Tioga County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.77, -77.26.
Assembled 2026-10-06. Read the brief.
- 45th pct · 1,684th of 3,063 US counties · median $234,566
- 45th pct · 37th of 67 Pennsylvania counties · median $233,681
- 47th pct · 1,612th of 3,063 US counties · median +2.9%
- 40th pct · 40th of 67 Pennsylvania counties · median +3.4%
- US counties: not published this period
- Pennsylvania counties: not published this period
- 58th pct · 1,322nd of 3,221 US counties · median 8,232
- 16th pct · 56th of 67 Pennsylvania counties · median 27,809
- 46th pct · 1,707th of 3,221 US counties · median $1,039
- 24th pct · 51st of 67 Pennsylvania counties · median $1,102
- 47th pct · 1,601st of 3,063 US counties · median 4.3
- 56th pct · 30th 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 $221,895 (Aug 2026), +2.7% over one year, +24.7% over five
- 45th pct · 1,684th of 3,063 US counties · median $234,566
- 45th pct · 37th of 67 Pennsylvania counties · median $233,681
| Item | Value | Distance |
|---|---|---|
| Tioga County, PA | $221,895 · +2.7% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Pennsylvania counties: not published this period
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 $1,215 a month on $221,895 at 7.28%, against an average weekly wage worth $4,442 a month: 27.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,895 × 80% = $177,516, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,215/mo principal and interest
- wage share = payment / (avg weekly wage $1,025 × 52 / 12 = $4,442) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,895 / ($1,025 × 52) = 4.2
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 #
12,004 jobs at 990 employers (2026 Q1); -0.4% jobs and +0.5% average weekly wage over the year
- 58th pct · 1,322nd of 3,221 US counties · median 8,232
- 16th pct · 56th of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Tioga County, PA | 12,004 jobs · $1,025/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,063 | $1,049 | 1.14 | -3.8% |
| Retail trade | 1,758 | $613 | 1.50 | +0.2% |
| Manufacturing | 1,620 | $1,193 | 1.68 | -0.1% |
| Accommodation and food services | 995 | $374 | 0.92 | +1.9% |
| Transportation and warehousing | 707 | $1,284 | 1.40 | +13.8% |
| Other services | 384 | $605 | 1.07 | -5.7% |
| Finance and insurance | 348 | $1,872 | 0.71 | +0.9% |
| Wholesale trade | 332 | $1,520 | 0.72 | +0.3% |
| Construction | 331 | $1,191 | 0.53 | +0.0% |
| Professional and technical services | 259 | $1,081 | 0.31 | +3.6% |
| Administrative and waste services | 237 | $1,082 | 0.35 | +23.4% |
| Mining, oil and gas | 194 | $1,705 | 4.54 | +8.4% |
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 #
$1.2 bn in deposits at 15 offices of 3 banks (SOD June 2026); HHI 3,693, highly concentrated. $307.1 m federal obligations in FY2026 (direct payments $280.2 m, grants $26.3 m), $25,587 per covered job
| Item | Value | Distance |
|---|---|---|
| First Citizens Community Bank | $537.3 m · 43.6% share · 5 offices | |
| Citizens & Northern Bank | $470.9 m · 38.2% share · 6 offices | |
| Northwest Bank | $223.9 m · 18.2% share · 4 offices | |
| Tioga, PA | $307.1 m FY2026 · $25,587/job | |
| MULTIPLE RECIPIENTS | $276.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Citizens Community Bank | $537,312,000 | 43.6% | 5 |
| Citizens & Northern Bank | $470,888,000 | 38.2% | 6 |
| Northwest Bank | $223,898,000 | 18.2% | 4 |
Deposit concentration is 3,693 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 43.6² + 38.2² + 18.2² = 3,693
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 | $242,916,617 |
| Department of Veterans Affairs | $33,263,945 |
| Department of Transportation | $15,148,609 |
| Department of Health and Human Services | $6,713,691 |
| Department of Housing and Urban Development | $5,861,217 |
| Department of Agriculture | $1,401,703 |
| Department of Defense | $667,494 |
| Railroad Retirement Board | $601,227 |
| Department of Justice | $349,147 |
| Federal Communications Commission | $181,166 |
| Department of the Interior | $42,047 |
| Small Business Administration | $0 |
That is $25,587 per covered job, against 12,004 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $307.1 m / 12,004 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,587
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 | -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 #
Tioga County, PA: 5 findings, 2 at a watch level and 3 noted
watchTioga County, PA's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchTioga County, PA's covered employment of 12,004 scores 59 on the 0-to-100 scale across US counties but 17 across Pennsylvania counties, a gap of 42 points.
Period 2026 Q1.Show the arithmetic
- 42 = |59 across US counties - 17 across Pennsylvania counties|
position among the entities that published this metric this period; not an official level
noteTioga County, PA's average weekly wage was 0.5% 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
- +0.5 % = 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
noteTioga County, PA's covered employment was 0.4% 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
- -0.4 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Tioga 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.