Union County, PA

Home values #

Typical home $296,401 (Aug 2026), +5.6% over one year, +30.4% over five

• 68th pct · 960th of 3,063 US counties · median $234,566
• 72nd pct · 19th of 67 Pennsylvania counties · median $233,681

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 $1,388/mo (Aug 2026), n/a over one year; price-to-rent 17.8

• 40th pct · 838th of 1,399 US counties · median $1,496
• 55th pct · 22nd of 48 Pennsylvania counties · median $1,349

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 $1,622 a month on $296,401 at 7.28%, against an average weekly wage worth $5,191 a month: 31.3% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $296,401 × 80% = $237,120, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,622/mo principal and interest
• wage share = payment / (avg weekly wage $1,198 × 52 / 12 = $5,191) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $296,401 / ($1,198 × 52) = 4.8
• price-to-rent = $296,401 / ($1,388 × 12) = 17.8

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 #

16,805 jobs at 1,032 employers (2026 Q1); -2.6% jobs and +4.9% average weekly wage over the year

• 67th pct · 1,052nd of 3,221 US counties · median 8,232
• 36th pct · 43rd of 67 Pennsylvania counties · median 27,809

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 #

13 USGS reservoir gauges, no capacity figures to weight

Sites found: 13, 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 #

74 gauges · 0 flooding · 5 with quality panels averaging 100 % · 11 stale

Sites found: 74, 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 #

43 wells in 0 named aquifers:

Sites found: 43, 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 + 0.2×0.00 / 0.55

Banks & federal dollars #

$1.1 bn in deposits at 16 offices of 9 banks (SOD June 2026); HHI 2,242, highly concentrated. $253.7 m federal obligations in FY2026 (direct payments $238.4 m, contracts $9.9 m), $15,099 per covered job

Deposit concentration is 2,242 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 8 banks with deposits in the county = 35.0² + 26.1² + 10.5² + … (5 more) = 2,242

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.

That is $15,099 per covered job, against 16,805 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $253.7 m / 16,805 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,099

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.

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 #

Union County, PA: 8 findings, 2 at a watch level and 6 noted

1. watchUnion County, PA's covered employment is -2.6% 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 = -2.6 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. watchUnion County, PA's covered employment of 16,805 scores 67 on the 0-to-100 scale across US counties but 36 across Pennsylvania counties, a gap of 31 points.

   Period 2026 Q1.
   Show the arithmetic

   • 31 = |67 across US counties - 36 across Pennsylvania counties|

   position among the entities that published this metric this period; not an official level

3. noteUnion County, PA's average weekly wage was 4.9% 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

   • +4.9 % = 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

4. noteUnion County, PA's covered employment was 2.6% 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

   • -2.6 % = 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

5. noteUnion County, PA's typical asking rent rose 1.9% from $1,362 in July 2026 to $1,388 in August 2026, on Zillow ZORI.

   Period 2026-08.
   Show the arithmetic

   • +1.9% = (1388.3333333333333 - 1362.0500614738253) / 1362.0500614738253 × 100
   • 1388.3333333333333 = Zillow ZORI, 2026-08
   • 1362.0500614738253 = Zillow ZORI, 2026-07

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.