Westmoreland County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.31, -79.47.
Assembled 2026-10-06. Read the brief.
- 42nd pct · 1,762nd of 3,063 US counties · median $234,566
- 40th pct · 40th of 67 Pennsylvania counties · median $233,681
- 57th pct · 4th of 8 counties in the Pittsburgh metro · median $212,590
- 18th pct · 2,506th of 3,063 US counties · median +2.9%
- 10th pct · 60th of 67 Pennsylvania counties · median +3.4%
- 42nd pct · 5th of 8 counties in the Pittsburgh metro · median -0.2%
- 10th pct · 1,257th of 1,399 US counties · median $1,496
- 25th pct · 36th of 48 Pennsylvania counties · median $1,349
- 33rd pct · 5th of 7 counties in the Pittsburgh metro · median $1,082
- 92nd pct · 251st of 3,221 US counties · median 8,232
- 80th pct · 14th of 67 Pennsylvania counties · median 27,809
- 85th pct · 2nd of 8 counties in the Pittsburgh metro · median 68,448
- 71st pct · 920th of 3,221 US counties · median $1,039
- 63rd pct · 25th of 67 Pennsylvania counties · median $1,102
- 42nd pct · 5th of 8 counties in the Pittsburgh metro · median $1,211
- 33rd pct · 2,041st of 3,063 US counties · median 4.3
- 45th pct · 37th of 67 Pennsylvania counties · median 3.8
- 85th pct · 2nd of 8 counties in the Pittsburgh metro · median 3.0
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 $215,422 (Aug 2026), -0.4% over one year, +9.4% over five
- 42nd pct · 1,762nd of 3,063 US counties · median $234,566
- 40th pct · 40th of 67 Pennsylvania counties · median $233,681
- 57th pct · 4th of 8 counties in the Pittsburgh metro · median $212,590
| Item | Value | Distance |
|---|---|---|
| Westmoreland County, PA | $215,422 · -0.4% 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 $1,031/mo (Aug 2026), +5.6% over one year; price-to-rent 17.4
- 10th pct · 1,257th of 1,399 US counties · median $1,496
- 25th pct · 36th of 48 Pennsylvania counties · median $1,349
- 33rd pct · 5th of 7 counties in the Pittsburgh metro · median $1,082
| Item | Value | Distance |
|---|---|---|
| Westmoreland County, PA | $1,031/mo · +5.6% 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 $1,179 a month on $215,422 at 7.28%, against an average weekly wage worth $5,027 a month: 23.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $215,422 × 80% = $172,338, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,179/mo principal and interest
- wage share = payment / (avg weekly wage $1,160 × 52 / 12 = $5,027) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $215,422 / ($1,160 × 52) = 3.6
- price-to-rent = $215,422 / ($1,031 × 12) = 17.4
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 #
126,728 jobs at 9,137 employers (2026 Q1); -0.7% jobs and +2.6% average weekly wage over the year
- 92nd pct · 251st of 3,221 US counties · median 8,232
- 80th pct · 14th of 67 Pennsylvania counties · median 27,809
- 85th pct · 2nd of 8 counties in the Pittsburgh metro · median 68,448
| Item | Value | Distance |
|---|---|---|
| Westmoreland County, PA | 126,728 jobs · $1,160/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 19,024 | $1,114 | 1.00 | -2.1% |
| Manufacturing | 17,608 | $1,561 | 1.73 | +0.6% |
| Retail trade | 16,513 | $756 | 1.34 | -0.2% |
| Accommodation and food services | 12,513 | $397 | 1.10 | -1.7% |
| Transportation and warehousing | 7,791 | $1,168 | 1.46 | -5.7% |
| Construction | 6,624 | $1,324 | 1.00 | +2.8% |
| Wholesale trade | 5,310 | $1,472 | 1.09 | -0.3% |
| Professional and technical services | 5,260 | $1,679 | 0.60 | +4.6% |
| Administrative and waste services | 5,107 | $1,019 | 0.71 | -2.6% |
| Other services | 5,067 | $678 | 1.34 | +2.7% |
| Finance and insurance | 2,859 | $2,348 | 0.55 | -3.7% |
| Arts, entertainment and recreation | 2,256 | $679 | 1.08 | +3.5% |
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 #
$10.7 bn in deposits at 114 offices of 21 banks (SOD June 2026); HHI 1,348, moderately concentrated. $2.7 bn federal obligations in FY2026 (direct payments $2.6 bn, grants $87.3 m), $21,609 per covered job
| Item | Value | Distance |
|---|---|---|
| PNC Bank, National Association | $2.8 bn · 25.8% share · 11 offices | |
| S&T Bank | $1.5 bn · 13.8% share · 10 offices | |
| First Commonwealth Bank | $1.3 bn · 12.5% share · 15 offices | |
| Westmoreland, PA | $2.7 bn FY2026 · $21,609/job | |
| MULTIPLE RECIPIENTS | $2.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| PNC Bank, National Association | $2,751,029,000 | 25.8% | 11 |
| S&T Bank | $1,476,432,000 | 13.8% | 10 |
| First Commonwealth Bank | $1,335,027,000 | 12.5% | 15 |
| First National Bank of Pennsylvania | $1,315,962,000 | 12.3% | 12 |
| Citizens Bank, National Association | $1,092,976,000 | 10.2% | 9 |
| Dollar Bank, Federal Savings Bank | $632,644,000 | 5.9% | 7 |
| KeyBank National Association | $406,256,000 | 3.8% | 6 |
| Somerset Trust Company | $350,725,000 | 3.3% | 17 |
| Commercial Bank and Trust of PA | $307,655,000 | 2.9% | 7 |
| Mid Penn Bank | $208,339,000 | 2.0% | 2 |
Deposit concentration is 1,348 across 21 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 21 banks with deposits in the county = 25.8² + 13.8² + 12.5² + … (18 more) = 1,348
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 | $2,342,210,885 |
| Department of Veterans Affairs | $174,396,279 |
| Department of Transportation | $53,394,881 |
| Department of Housing and Urban Development | $42,669,143 |
| Department of Defense | $39,550,491 |
| Department of Energy | $25,445,671 |
| Railroad Retirement Board | $20,475,315 |
| Department of Health and Human Services | $15,194,040 |
| Department of Education | $13,800,809 |
| National Aeronautics and Space Administration | $4,057,927 |
| Department of Agriculture | $3,343,687 |
| Federal Communications Commission | $2,785,917 |
That is $21,609 per covered job, against 126,728 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.7 bn / 126,728 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,609
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 #
Westmoreland County, PA: 9 findings, 2 at a watch level and 7 noted
watchWestmoreland County, PA's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWestmoreland County, PA's typical home value is -0.4% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.3749333430832001 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteWestmoreland County, PA's average weekly wage was 2.6% 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
- +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
noteWestmoreland County, PA's covered employment was 0.7% 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
- -0.7 % = 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
noteWestmoreland County, PA's typical home value rose 0.5% from $214,296 in July 2026 to $215,422 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (215422.0386929894 - 214295.9765584326) / 214295.9765584326 × 100
- 215422.0386929894 = Zillow ZHVI, 2026-08
- 214295.9765584326 = Zillow ZHVI, 2026-07
Read all 9 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.