Northumberland County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.85, -76.71.
Assembled 2026-10-06. Read the brief.
- 26th pct · 2,252nd of 3,063 US counties · median $234,566
- 28th pct · 48th of 67 Pennsylvania counties · median $233,681
- 37th pct · 1,923rd of 3,063 US counties · median +2.9%
- 22nd pct · 52nd of 67 Pennsylvania counties · median +3.4%
- 9th pct · 1,269th of 1,399 US counties · median $1,496
- 23rd pct · 37th of 48 Pennsylvania counties · median $1,349
- 75th pct · 786th of 3,221 US counties · median 8,232
- 46th pct · 36th of 67 Pennsylvania counties · median 27,809
- 62nd pct · 1,193rd of 3,221 US counties · median $1,039
- 50th pct · 34th of 67 Pennsylvania counties · median $1,102
- 21st pct · 2,396th of 3,063 US counties · median 4.3
- 31st pct · 46th 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 $176,367 (Aug 2026), +1.8% over one year, +15.0% over five
- 26th pct · 2,252nd of 3,063 US counties · median $234,566
- 28th pct · 48th of 67 Pennsylvania counties · median $233,681
| Item | Value | Distance |
|---|---|---|
| Northumberland County, PA | $176,367 · +1.8% 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 $1,017/mo (Aug 2026), +14.7% over one year; price-to-rent 14.4
- 9th pct · 1,269th of 1,399 US counties · median $1,496
- 23rd pct · 37th of 48 Pennsylvania counties · median $1,349
| Item | Value | Distance |
|---|---|---|
| Northumberland County, PA | $1,017/mo · +14.7% 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 $965 a month on $176,367 at 7.28%, against an average weekly wage worth $4,775 a month: 20.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $176,367 × 80% = $141,094, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $965/mo principal and interest
- wage share = payment / (avg weekly wage $1,102 × 52 / 12 = $4,775) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $176,367 / ($1,102 × 52) = 3.1
- price-to-rent = $176,367 / ($1,017 × 12) = 14.4
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 #
25,938 jobs at 1,864 employers (2026 Q1); -0.8% jobs and +1.9% average weekly wage over the year
- 75th pct · 786th of 3,221 US counties · median 8,232
- 46th pct · 36th of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Northumberland County, PA | 25,938 jobs · $1,102/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,855 | $1,250 | 1.85 | -4.3% |
| Retail trade | 2,753 | $674 | 1.09 | +4.3% |
| Transportation and warehousing | 2,585 | $1,184 | 2.36 | -3.3% |
| Accommodation and food services | 1,374 | $350 | 0.59 | -2.9% |
| Construction | 1,079 | $1,222 | 0.79 | +0.2% |
| Other services | 1,011 | $611 | 1.30 | +1.1% |
| Wholesale trade | 827 | $1,214 | 0.83 | +2.1% |
| Administrative and waste services | 604 | $820 | 0.41 | -20.4% |
| Agriculture, forestry, fishing | 454 | $858 | 2.42 | -3.4% |
| Finance and insurance | 448 | $1,469 | 0.42 | -1.1% |
| Arts, entertainment and recreation | 286 | $1,143 | 0.67 | +10.0% |
| Real estate and rental | 237 | $770 | 0.60 | +28.8% |
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 #
15 USGS reservoir gauges, no capacity figures to weight
Sites found: 15, 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.
| Site | Reading | Distance |
|---|---|---|
| Blue Marsh Lake near Bernville, PA | 290.0 ft (USGS, no capacity on file) | 78 km |
| USGS-01547480 | 630.0 ft (USGS, no capacity on file) | 79 km |
| Francis E. Walter Reservoir near White Haven, PA | 1,355 ft (USGS, no capacity on file) | 88 km |
| Beltzville Lake near Parryville, PA | 628.1 ft (USGS, no capacity on file) | 90 km |
| USGS-01574700 | 372.1 ft (USGS, no capacity on file) | 103 km |
| USGS-01544800 | 842.4 ft (USGS, no capacity on file) | 116 km |
| USGS-01563100 | 786.3 ft (USGS, no capacity on file) | 119 km |
| USGS-01517900 | 1,082 ft (USGS, no capacity on file) | 122 km |
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 #
85 gauges · 0 flooding · 11 with quality panels averaging 100 % · 24 stale
Sites found: 85, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-01553990 | stage 8.70 ft | 8 km |
| USGS-01554000 | flow 7,840 ft³/s · no flooding | 10 km |
| USGS-01540500 | flow 3,830 ft³/s · quality 100 % (4) · no flooding | 14 km |
| USGS-01553850 | flow 23.0 ft³/s | 16 km |
| USGS-01553500 | flow 3,760 ft³/s · no flooding | 19 km |
| USGS-01555400 | flow 8.10 ft³/s · STALE | 21 km |
| USGS-01553240 | stage 1.72 ft · no flooding | 23 km |
| USGS-01553700 | flow 6.97 ft³/s · no flooding | 24 km |
| Fishing Creek at Bloomsburg | out of service | 27 km |
| USGS-01538700 | flow 3,260 ft³/s · no flooding | 28 km |
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 #
44 wells in 0 named aquifers:
Sites found: 44, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-405738076343501 | depth 10.4 ft · 2005-04-03 | 17 km |
| USGS-404239076362001 | depth 19.5 ft · 2026-10-05 | 18 km |
| USGS-405924076280801 | depth 9.13 ft · 1982-07-27 | 25 km |
| USGS-405957076275503 | depth 16.1 ft · 1981-07-08 | 26 km |
| USGS-410001076265601 | depth 18.6 ft · 1984-07-25 | 27 km |
| USGS-410000076261801 | depth 6.08 ft · 1982-08-23 | 28 km |
| USGS-410033076264901 | depth 83.3 ft · 1983-08-23 | 28 km |
| USGS-410727076402901 | depth 30.5 ft · 2026-10-05 | 30 km |
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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.7 bn in deposits at 24 offices of 13 banks (SOD June 2026); HHI 1,059, moderately concentrated. $623.1 m federal obligations in FY2026 (direct payments $587.9 m, grants $26.4 m), $24,023 per covered job
| Item | Value | Distance |
|---|---|---|
| Central Penn Bank & Trust | $286.3 m · 16.9% share · 4 offices | |
| Manufacturers and Traders Trust Company | $221.8 m · 13.1% share · 4 offices | |
| Truist Bank | $212.1 m · 12.5% share · 2 offices | |
| Northumberland, PA | $623.1 m FY2026 · $24,023/job | |
| MULTIPLE RECIPIENTS | $577.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Central Penn Bank & Trust | $286,272,000 | 16.9% | 4 |
| Manufacturers and Traders Trust Company | $221,782,000 | 13.1% | 4 |
| Truist Bank | $212,125,000 | 12.5% | 2 |
| The Turbotville National Bank | $202,040,000 | 11.9% | 1 |
| First National Bank of Pennsylvania | $170,616,000 | 10.1% | 3 |
| UNB Bank | $134,836,000 | 8.0% | 1 |
| Journey Bank | $124,367,000 | 7.3% | 2 |
| Citizens & Northern Bank | $92,935,000 | 5.5% | 2 |
| Milton Savings Bank | $70,964,000 | 4.2% | 1 |
| Fulton Bank, National Association | $67,187,000 | 4.0% | 1 |
Deposit concentration is 1,059 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 16.9² + 13.1² + 12.5² + … (10 more) = 1,059
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 #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $526,474,312 |
| Department of Veterans Affairs | $46,294,377 |
| Department of Transportation | $20,060,583 |
| Department of Agriculture | $13,340,391 |
| Department of Housing and Urban Development | $11,495,097 |
| Railroad Retirement Board | $4,624,936 |
| Department of Defense | $683,643 |
| Department of Justice | $426,342 |
| Federal Communications Commission | $345,979 |
| Department of Homeland Security | $19,417 |
| Small Business Administration | -$14,096 |
| Department of Health and Human Services | -$653,183 |
That is $24,023 per covered job, against 25,938 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $623.1 m / 25,938 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,023
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Northumberland County, PA: 8 findings, 3 at a watch level and 5 noted
watchNorthumberland County, PA's typical asking rent is +14.7% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: rent.yoyPct = 14.739877064651353 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchNorthumberland County, PA's covered employment is -0.8% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchNorthumberland County, PA's typical asking rent rose 3.8% from $980 in July 2026 to $1,017 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +3.8% = (1017.3333333333334 - 979.9214614923388) / 979.9214614923388 × 100
- 1017.3333333333334 = Zillow ZORI, 2026-08
- 979.9214614923388 = Zillow ZORI, 2026-07
noteNorthumberland County, PA's average weekly wage was 1.9% 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
- +1.9 % = 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
noteNorthumberland County, PA's covered employment was 0.8% lower 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
- -0.8 % = 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
Read all 8 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.