York County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.22, -76.40.
Assembled 2026-10-06. Read the brief.
- 91st pct · 262nd of 3,063 US counties · median $234,566
- 84th pct · 21st of 133 Virginia counties · median $307,999
- 88th pct · 3rd of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $389,478
- 46th pct · 1,631st of 3,063 US counties · median +2.9%
- 41st pct · 78th of 133 Virginia counties · median +2.9%
- 47th pct · 10th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median +2.7%
- 85th pct · 198th of 1,399 US counties · median $1,496
- 71st pct · 23rd of 79 Virginia counties · median $1,757
- 50th pct · 7th of 13 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $2,064
- 73rd pct · 861st of 3,221 US counties · median 8,232
- 73rd pct · 36th of 133 Virginia counties · median 9,944
- 52nd pct · 9th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median 18,007
- 64th pct · 1,130th of 3,221 US counties · median $1,039
- 58th pct · 56th of 133 Virginia counties · median $1,048
- 47th pct · 10th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $1,158
- 93rd pct · 215th of 3,063 US counties · median 4.3
- 88th pct · 16th of 133 Virginia counties · median 5.4
- 76th pct · 5th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median 6.8
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 $465,740 (Aug 2026), +2.7% over one year, +26.6% over five
- 91st pct · 262nd of 3,063 US counties · median $234,566
- 84th pct · 21st of 133 Virginia counties · median $307,999
- 88th pct · 3rd of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $389,478
| Item | Value | Distance |
|---|---|---|
| York County, VA | $465,740 · +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 #
Typical rent $2,064/mo (Aug 2026), +5.8% over one year; price-to-rent 18.8
- 85th pct · 198th of 1,399 US counties · median $1,496
- 71st pct · 23rd of 79 Virginia counties · median $1,757
- 50th pct · 7th of 13 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $2,064
| Item | Value | Distance |
|---|---|---|
| York County, VA | $2,064/mo · +5.8% 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 $2,549 a month on $465,740 at 7.28%, against an average weekly wage worth $4,827 a month: 52.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $465,740 × 80% = $372,592, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,549/mo principal and interest
- wage share = payment / (avg weekly wage $1,114 × 52 / 12 = $4,827) = 53% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $465,740 / ($1,114 × 52) = 8.0
- price-to-rent = $465,740 / ($2,064 × 12) = 18.8
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 #
22,396 jobs at 1,754 employers (2026 Q1); +0.9% jobs and +2.0% average weekly wage over the year
- 73rd pct · 861st of 3,221 US counties · median 8,232
- 73rd pct · 36th of 133 Virginia counties · median 9,944
- 52nd pct · 9th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median 18,007
| Item | Value | Distance |
|---|---|---|
| York County, VA | 22,396 jobs · $1,114/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,376 | $697 | 1.55 | -3.4% |
| Accommodation and food services | 3,220 | $543 | 1.60 | -0.2% |
| Health care and social assistance | 2,937 | $1,284 | 0.87 | +5.9% |
| Professional and technical services | 1,699 | $1,866 | 1.10 | +11.7% |
| Construction | 1,666 | $1,287 | 1.42 | +1.3% |
| Administrative and waste services | 1,228 | $1,163 | 0.96 | -0.2% |
| Other services | 808 | $810 | 1.21 | +6.6% |
| Manufacturing | 565 | $1,375 | 0.31 | +9.9% |
| Arts, entertainment and recreation | 461 | $415 | 1.25 | +7.5% |
| Management of companies | 390 | $1,890 | 1.04 | -4.9% |
| Transportation and warehousing | 324 | $1,249 | 0.34 | -1.5% |
| Wholesale trade | 323 | $1,628 | 0.38 | +2.2% |
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.
Water #
Banks & federal dollars #
$1.0 bn in deposits at 11 offices of 7 banks (SOD June 2026); HHI 2,786, highly concentrated. $664.8 m federal obligations in FY2026 (direct payments $510.0 m, contracts $118.6 m), $29,682 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $422.3 m · 42.2% share · 3 offices | |
| Bank of America, National Association | $233.5 m · 23.3% share · 2 offices | |
| Truist Bank | $170.9 m · 17.1% share · 1 office | |
| York, VA | $664.8 m FY2026 · $29,682/job | |
| MULTIPLE RECIPIENTS | $509.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $422,258,000 | 42.2% | 3 |
| Bank of America, National Association | $233,526,000 | 23.3% | 2 |
| Truist Bank | $170,894,000 | 17.1% | 1 |
| TowneBank | $126,107,000 | 12.6% | 1 |
| Citizens and Farmers Bank | $34,018,000 | 3.4% | 1 |
| Woodforest National Bank | $7,364,000 | 0.7% | 2 |
| JPMorgan Chase Bank, National Association | $6,851,000 | 0.7% | 1 |
Deposit concentration is 2,786 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 42.2² + 23.3² + 17.1² + … (4 more) = 2,786
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 | $353,645,373 |
| Department of Veterans Affairs | $155,021,207 |
| Department of Defense | $71,156,313 |
| Department of Homeland Security | $46,235,139 |
| Department of Transportation | $18,920,906 |
| Department of Education | $10,528,934 |
| General Services Administration | $3,736,647 |
| Department of the Interior | $2,173,772 |
| Department of Health and Human Services | $1,382,903 |
| Railroad Retirement Board | $830,951 |
| Department of Agriculture | $615,062 |
| Federal Communications Commission | $336,773 |
That is $29,682 per covered job, against 22,396 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $664.8 m / 22,396 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,682
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 #
York County, VA: 9 findings, 1 at a watch level and 8 noted
watchYork County, VA's years of wages of 8.0 ranks 215th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 93.0111038536904 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
noteYork County, VA's average weekly wage was 2.0% 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 % = 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
noteYork County, VA's covered employment was 0.9% 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
- +0.9 % = 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
noteYork County, VA's typical asking rent rose 0.6% from $2,051 in July 2026 to $2,064 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.6% = (2063.621166415284 - 2050.988591495798) / 2050.988591495798 × 100
- 2063.621166415284 = Zillow ZORI, 2026-08
- 2050.988591495798 = Zillow ZORI, 2026-07
noteYork County, VA's typical home value rose 0.4% from $463,907 in July 2026 to $465,740 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (465740.29515159066 - 463906.7105990309) / 463906.7105990309 × 100
- 465740.29515159066 = Zillow ZHVI, 2026-08
- 463906.7105990309 = 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.