Lincoln County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.58, -118.42.
Assembled 2026-10-06. Read the brief.
- 73rd pct · 799th of 3,063 US counties · median $234,566
- 13th pct · 34th of 39 Washington counties · median $433,836
- 12th pct · 2,673rd of 3,063 US counties · median +2.9%
- 10th pct · 35th of 39 Washington counties · median +0.4%
- US counties: not published this period
- Washington counties: not published this period
- 21st pct · 2,530th of 3,221 US counties · median 8,232
- 10th pct · 35th of 39 Washington counties · median 18,771
- 49th pct · 1,625th of 3,221 US counties · median $1,039
- 7th pct · 36th of 39 Washington counties · median $1,237
- 78th pct · 665th of 3,063 US counties · median 4.3
- 31st pct · 27th of 39 Washington counties · median 6.7
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 $320,606 (Aug 2026), -1.4% over one year, +16.3% over five
- 73rd pct · 799th of 3,063 US counties · median $234,566
- 13th pct · 34th of 39 Washington counties · median $433,836
| Item | Value | Distance |
|---|---|---|
| Lincoln County, WA | $320,606 · -1.4% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Washington 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 $1,755 a month on $320,606 at 7.28%, against an average weekly wage worth $4,494 a month: 39.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $320,606 × 80% = $256,485, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,755/mo principal and interest
- wage share = payment / (avg weekly wage $1,037 × 52 / 12 = $4,494) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $320,606 / ($1,037 × 52) = 5.9
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 #
2,639 jobs at 442 employers (2026 Q1); +0.8% jobs and -1.2% average weekly wage over the year
- 21st pct · 2,530th of 3,221 US counties · median 8,232
- 10th pct · 35th of 39 Washington counties · median 18,771
| Item | Value | Distance |
|---|---|---|
| Lincoln County, WA | 2,639 jobs · $1,037/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 283 | $1,091 | 2.05 | -8.1% |
| Wholesale trade | 195 | $1,181 | 1.93 | +1.6% |
| Retail trade | 179 | $620 | 0.70 | +30.7% |
| Accommodation and food services | 123 | $413 | 0.52 | -1.6% |
| Professional and technical services | 117 | $1,461 | 0.64 | -1.7% |
| Administrative and waste services | 55 | $608 | 0.37 | +37.5% |
| Other services | 46 | $874 | 0.58 | +0.0% |
| Finance and insurance | 25 | $1,451 | 0.23 | -21.9% |
| Arts, entertainment and recreation | 15 | $78 | 0.35 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld |
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 #
D1 moderate drought
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| LAKE CHELAN AT CHELAN, WA | 1,097 ft (USGS, no capacity on file) | 126 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 #
15 gauges · 0 flooding · 1 with quality panels averaging 100 % · 5 stale
Sites found: 15, 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 |
|---|---|---|
| COAL CREEK AT MOHLER, WA | flow 0.98 ft³/s | 21 km |
| CRAB CREEK AT ROCKY FORD ROAD NEAR RITZVILLE, WA | flow 11.0 ft³/s · STALE | 31 km |
| WILSON CREEK BELOW CORBETT DRAW NEAR ALMIRA, WA | flow 0.29 ft³/s | 39 km |
| BLUE CREEK NEAR MOUTH NEAR WELLPINIT, WA | flow 1.20 ft³/s · STALE | 41 km |
| CRAB CREEK AT IRBY, WA | flow 1.49 ft³/s | 41 km |
| MIDNITE MINE DRAINAGE NEAR WELLPINIT, WA | flow 1.10 ft³/s · STALE | 45 km |
| BLUE CR AB MIDNITE MINE DRAINAGE NR WELLPINIT, WA | flow 0.11 ft³/s · STALE | 45 km |
| CHAMOKANE CREEK BELOW FALLS NEAR LONG LAKE, WA | flow 24.9 ft³/s | 52 km |
| SANPOIL RIVER ABOVE JACK CREEK AT KELLER, WA | flow 16.2 ft³/s · quality 100 % (1) | 59 km |
| CRAB CREEK NEAR STRATFORD, WA | flow 0.00 ft³/s | 61 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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-473442118162201 | depth 43.6 ft · 2026-10-04 | 11 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$400.1 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 3,386, highly concentrated. $130.3 m federal obligations in FY2026 (direct payments $112.5 m, grants $12.0 m), $49,385 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $179.7 m · 44.9% share · 1 office | |
| Glacier Bank | $134.9 m · 33.7% share · 3 offices | |
| KeyBank National Association | $48.2 m · 12.1% share · 1 office | |
| Lincoln, WA | $130.3 m FY2026 · $49,385/job | |
| MULTIPLE RECIPIENTS | $95.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $179,658,000 | 44.9% | 1 |
| Glacier Bank | $134,887,000 | 33.7% | 3 |
| KeyBank National Association | $48,209,000 | 12.1% | 1 |
| WaFd Bank | $37,309,000 | 9.3% | 1 |
Deposit concentration is 3,386 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 44.9² + 33.7² + 12.1² + … (1 more) = 3,386
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 | $81,223,776 |
| Department of Agriculture | $17,274,753 |
| Department of Veterans Affairs | $13,045,624 |
| Department of Transportation | $12,923,221 |
| Department of the Interior | $4,762,003 |
| Railroad Retirement Board | $755,695 |
| Department of Education | $144,587 |
| Federal Communications Commission | $122,905 |
| Department of Housing and Urban Development | $73,171 |
| Small Business Administration | $0 |
That is $49,385 per covered job, against 2,639 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $130.3 m / 2,639 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $49,385
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 #
Lincoln County, WA: 11 findings, 5 at a watch level and 6 noted
watchLincoln County, WA's typical home value is -1.4% 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 = -1.3728676033928882 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLincoln County, WA's average weekly wage is -1.2% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -1.2 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchLincoln County, WA's typical home value of $320,606 scores 74 on the 0-to-100 scale across US counties but 13 across Washington counties, a gap of 61 points.
Period 2026-08.Show the arithmetic
- 61 = |74 across US counties - 13 across Washington counties|
position among the entities that published this metric this period; not an official level
watchLincoln County, WA's years of wages of 5.9 scores 78 on the 0-to-100 scale across US counties but 32 across Washington counties, a gap of 47 points.
Period 2026-08.Show the arithmetic
- 47 = |78 across US counties - 32 across Washington counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchLincoln County, WA's average weekly wage of $1,037 scores 50 on the 0-to-100 scale across US counties but 8 across Washington counties, a gap of 42 points.
Period 2026 Q1.Show the arithmetic
- 42 = |50 across US counties - 8 across Washington counties|
position among the entities that published this metric this period; not an official level
Read all 11 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.