Pacific County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.56, -123.78.
Assembled 2026-10-07. Read the brief.
- 76th pct · 721st of 3,063 US counties · median $234,566
- 18th pct · 32nd of 39 Washington counties · median $433,836
- 16th pct · 2,553rd of 3,063 US counties · median +2.9%
- 15th pct · 33rd of 39 Washington counties · median +0.4%
- 62nd pct · 531st of 1,399 US counties · median $1,496
- 32nd pct · 20th of 29 Washington counties · median $1,767
- 43rd pct · 1,813th of 3,221 US counties · median 8,232
- 21st pct · 31st of 39 Washington counties · median 18,771
- 40th pct · 1,924th of 3,221 US counties · median $1,039
- 5th pct · 37th of 39 Washington counties · median $1,237
- 83rd pct · 509th of 3,063 US counties · median 4.3
- 39th pct · 24th 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 $334,110 (Aug 2026), -0.7% over one year, +14.3% over five
- 76th pct · 721st of 3,063 US counties · median $234,566
- 18th pct · 32nd of 39 Washington counties · median $433,836
| Item | Value | Distance |
|---|---|---|
| Pacific County, WA | $334,110 · -0.7% 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 $1,645/mo (Aug 2026), n/a over one year; price-to-rent 16.9
- 62nd pct · 531st of 1,399 US counties · median $1,496
- 32nd pct · 20th of 29 Washington counties · median $1,767
| Item | Value | Distance |
|---|---|---|
| Pacific County, WA | $1,645/mo · n/a 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 $1,829 a month on $334,110 at 7.28%, against an average weekly wage worth $4,316 a month: 42.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $334,110 × 80% = $267,288, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,829/mo principal and interest
- wage share = payment / (avg weekly wage $996 × 52 / 12 = $4,316) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $334,110 / ($996 × 52) = 6.5
- price-to-rent = $334,110 / ($1,645 × 12) = 16.9
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 #
6,369 jobs at 686 employers (2026 Q1); +2.2% jobs and +2.5% average weekly wage over the year
- 43rd pct · 1,813th of 3,221 US counties · median 8,232
- 21st pct · 31st of 39 Washington counties · median 18,771
| Item | Value | Distance |
|---|---|---|
| Pacific County, WA | 6,369 jobs · $996/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 855 | $469 | 1.49 | +2.3% |
| Manufacturing | 729 | $932 | 1.42 | +7.8% |
| Retail trade | 626 | $677 | 1.01 | -4.9% |
| Construction | 254 | $976 | 0.76 | +3.7% |
| Administrative and waste services | 211 | $815 | 0.58 | -9.1% |
| Professional and technical services | 187 | $1,540 | 0.43 | +19.9% |
| Other services | 168 | $758 | 0.88 | +8.4% |
| Finance and insurance | 156 | $1,618 | 0.60 | -0.6% |
| Real estate and rental | 53 | $649 | 0.54 | -19.7% |
| Information | 47 | $1,114 | 0.40 | +14.6% |
| Arts, entertainment and recreation | 47 | $461 | 0.45 | +11.9% |
| Transportation and warehousing | 37 | $795 | 0.14 | +37.0% |
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 #
$366.9 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 3,580, highly concentrated. $245.0 m federal obligations in FY2026 (direct payments $232.3 m, contracts $8.9 m), $38,466 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of the Pacific | $193.6 m · 52.8% share · 3 offices | |
| Connect Community Bank | $69.7 m · 19.0% share · 2 offices | |
| KeyBank National Association | $67.6 m · 18.4% share · 1 office | |
| Pacific, WA | $245.0 m FY2026 · $38,466/job | |
| MULTIPLE RECIPIENTS | $229.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of the Pacific | $193,573,000 | 52.8% | 3 |
| Connect Community Bank | $69,726,000 | 19.0% | 2 |
| KeyBank National Association | $67,645,000 | 18.4% | 1 |
| First Interstate Bank | $35,985,000 | 9.8% | 1 |
Deposit concentration is 3,580 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 = 52.8² + 19.0² + 18.4² + … (1 more) = 3,580
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 | $209,520,138 |
| Department of Veterans Affairs | $18,235,821 |
| Department of Defense | $6,641,330 |
| Department of Homeland Security | $2,314,083 |
| Department of the Interior | $2,265,434 |
| Department of Agriculture | $2,119,894 |
| Department of Transportation | $1,527,748 |
| Railroad Retirement Board | $1,202,517 |
| Department of Housing and Urban Development | $829,488 |
| Federal Communications Commission | $187,932 |
| Department of Education | $158,882 |
| Department of Health and Human Services | $120,000 |
That is $38,466 per covered job, against 6,369 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $245.0 m / 6,369 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,466
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 | 11.67 | 2026-10-06 | -8.0% |
| 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 | 2026-10-07 | +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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Pacific County, WA: 15 findings, 5 at a watch level and 10 noted
watchPacific County, WA's typical home value is -0.7% 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 = -0.6674278525166515 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchPacific County, WA's typical home value of $334,110 scores 76 on the 0-to-100 scale across US counties but 18 across Washington counties, a gap of 58 points.
Period 2026-08.Show the arithmetic
- 58 = |76 across US counties - 18 across Washington counties|
position among the entities that published this metric this period; not an official level
watchPacific County, WA's price-to-rent ratio of 16.9 scores 48 on the 0-to-100 scale across US counties but 0 across Washington counties, a gap of 48 points.
Period 2026-08.Show the arithmetic
- 48 = |48 across US counties - 0 across Washington counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchPacific County, WA's years of wages of 6.5 scores 83 on the 0-to-100 scale across US counties but 39 across Washington counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |83 across US counties - 39 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
watchPacific County, WA's average weekly wage of $996 scores 40 on the 0-to-100 scale across US counties but 5 across Washington counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |40 across US counties - 5 across Washington counties|
position among the entities that published this metric this period; not an official level
Read all 12 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.