Monroe County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.06, -75.33.
Assembled 2026-10-06. Read the brief.
- 72nd pct · 857th of 3,063 US counties · median $234,566
- 80th pct · 14th of 67 Pennsylvania counties · median $233,681
- 36th pct · 1,945th of 3,063 US counties · median +2.9%
- 21st pct · 53rd of 67 Pennsylvania counties · median +3.4%
- 82nd pct · 252nd of 1,399 US counties · median $1,496
- 91st pct · 5th of 48 Pennsylvania counties · median $1,349
- 85th pct · 469th of 3,221 US counties · median 8,232
- 66th pct · 23rd of 67 Pennsylvania counties · median 27,809
- 65th pct · 1,105th of 3,221 US counties · median $1,039
- 57th pct · 29th of 67 Pennsylvania counties · median $1,102
- 70th pct · 906th of 3,063 US counties · median 4.3
- 86th pct · 10th of 67 Pennsylvania counties · median 3.8
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $312,769 (Aug 2026), +1.7% over one year, +24.5% over five
- 72nd pct · 857th of 3,063 US counties · median $234,566
- 80th pct · 14th of 67 Pennsylvania counties · median $233,681
| Item | Value | Distance |
|---|---|---|
| Monroe County, PA | $312,769 · +1.7% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,971/mo (Aug 2026), +4.9% over one year; price-to-rent 13.2
- 82nd pct · 252nd of 1,399 US counties · median $1,496
- 91st pct · 5th of 48 Pennsylvania counties · median $1,349
| Item | Value | Distance |
|---|---|---|
| Monroe County, PA | $1,971/mo · +4.9% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,712 a month on $312,769 at 7.28%, against an average weekly wage worth $4,845 a month: 35.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $312,769 × 80% = $250,215, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,712/mo principal and interest
- wage share = payment / (avg weekly wage $1,118 × 52 / 12 = $4,845) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $312,769 / ($1,118 × 52) = 5.4
- price-to-rent = $312,769 / ($1,971 × 12) = 13.2
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
56,422 jobs at 3,754 employers (2026 Q1); +0.2% jobs and +3.6% average weekly wage over the year
- 85th pct · 469th of 3,221 US counties · median 8,232
- 66th pct · 23rd of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Monroe County, PA | 56,422 jobs · $1,118/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,199 | $1,107 | 1.20 | +10.0% |
| Accommodation and food services | 9,762 | $574 | 1.93 | +0.3% |
| Retail trade | 8,319 | $660 | 1.51 | -0.3% |
| Manufacturing | 4,830 | $2,126 | 1.06 | -0.2% |
| Transportation and warehousing | 2,850 | $1,254 | 1.20 | -4.7% |
| Other services | 2,029 | $799 | 1.20 | -0.6% |
| Construction | 1,662 | $1,078 | 0.56 | -3.1% |
| Administrative and waste services | 1,497 | $884 | 0.47 | -19.6% |
| Professional and technical services | 1,385 | $1,334 | 0.36 | +4.0% |
| Arts, entertainment and recreation | 1,067 | $570 | 1.15 | -2.8% |
| Wholesale trade | 888 | $1,920 | 0.41 | +18.2% |
| Finance and insurance | 775 | $1,844 | 0.34 | -7.1% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$3.6 bn in deposits at 42 offices of 14 banks (SOD June 2026); HHI 1,595, moderately concentrated. $1.3 bn federal obligations in FY2026 (direct payments $1.1 bn, grants $120.6 m), $23,131 per covered job
| Item | Value | Distance |
|---|---|---|
| PNC Bank, National Association | $932.2 m · 26.2% share · 6 offices | |
| CNB Bank | $835.6 m · 23.5% share · 8 offices | |
| Wells Fargo Bank, National Association | $431.2 m · 12.1% share · 3 offices | |
| Monroe, PA | $1.3 bn FY2026 · $23,131/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| PNC Bank, National Association | $932,195,000 | 26.2% | 6 |
| CNB Bank | $835,554,000 | 23.5% | 8 |
| Wells Fargo Bank, National Association | $431,223,000 | 12.1% | 3 |
| First Northern Bank and Trust Company | $335,555,000 | 9.4% | 5 |
| Citizens Bank, National Association | $228,533,000 | 6.4% | 2 |
| First Keystone Community Bank | $206,557,000 | 5.8% | 4 |
| Wayne Bank | $148,326,000 | 4.2% | 4 |
| NBT Bank, National Association | $112,401,000 | 3.2% | 3 |
| Peoples Security Bank and Trust Company | $89,979,000 | 2.5% | 1 |
| Truist Bank | $80,857,000 | 2.3% | 1 |
Deposit concentration is 1,595 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 26.2² + 23.5² + 12.1² + … (11 more) = 1,595
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
That is $23,131 per covered job, against 56,422 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.3 bn / 56,422 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,131
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.69 | 2026-10-05 | +3.3% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-06 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Monroe County, PA: 5 findings, 5 noted
noteMonroe County, PA's average weekly wage was 3.6% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +3.6 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteMonroe County, PA's covered employment was 0.2% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.2 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteMonroe County, PA's typical asking rent of $1,971 ranks 5th of 48 Pennsylvania counties, against a median of $1,349.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 48 Pennsylvania counties that published rent.latest
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Monroe County, PA is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZORI typical rent (monthly) covering Monroe County, PA is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.