Fresno County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.76, -119.66.
Assembled 2026-10-19. Read the brief.
- 86th pct · 403rd of 3,063 US counties · median $230,451
- 33rd pct · 39th of 58 California counties · median $494,569
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
- 30th pct · 2,127th of 3,062 US counties · median +2.9%
- 66th pct · 20th of 58 California counties · median +0.4%
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
- 85th pct · 197th of 1,358 US counties · median $1,506
- 34th pct · 32nd of 48 California counties · median $2,448
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
- 98th pct · 64th of 3,221 US counties · median 8,232
- 84th pct · 10th of 58 California counties · median 74,865
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
- 72nd pct · 873rd of 3,221 US counties · median $1,039
- 40th pct · 35th of 58 California counties · median $1,206
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
- 85th pct · 444th of 3,063 US counties · median 4.2
- 33rd pct · 39th of 58 California counties · median 7.2
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
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 $404,056 (Sep 2026), +1.1% over one year, +17.6% over five
- 86th pct · 403rd of 3,063 US counties · median $230,451
- 33rd pct · 39th of 58 California counties · median $494,569
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Fresno County, CA | $404,056 · +1.1% 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 $2,052/mo (Sep 2026), +3.5% over one year; price-to-rent 16.4
- 85th pct · 197th of 1,358 US counties · median $1,506
- 34th pct · 32nd of 48 California counties · median $2,448
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Fresno County, CA | $2,052/mo · +3.5% 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 $2,238 a month on $404,056 at 7.40%, against an average weekly wage worth $5,079 a month: 44.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $404,056 × 80% = $323,245, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,238/mo principal and interest
- wage share = payment / (avg weekly wage $1,172 × 52 / 12 = $5,079) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $404,056 / ($1,172 × 52) = 6.6
- price-to-rent = $404,056 / ($2,052 × 12) = 16.4
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 #
428,761 jobs at 47,326 employers (2026 Q1); +3.1% jobs and +1.9% average weekly wage over the year
- 98th pct · 64th of 3,221 US counties · median 8,232
- 84th pct · 10th of 58 California counties · median 74,865
- counties in the Fresno metro: Rank context is unavailable: the manifest lists 2 counties in the Fresno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Fresno County, CA | 428,761 jobs · $1,172/wk · +3.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 87,273 | $1,148 | 1.35 | +5.1% |
| Retail trade | 38,035 | $810 | 0.91 | -1.3% |
| Agriculture, forestry, fishing | 35,338 | $777 | 11.41 | +9.5% |
| Accommodation and food services | 33,438 | $596 | 0.87 | +3.6% |
| Manufacturing | 23,866 | $1,265 | 0.69 | -3.0% |
| Construction | 22,278 | $1,567 | 0.99 | +2.6% |
| Transportation and warehousing | 18,034 | $1,053 | 1.00 | +12.9% |
| Administrative and waste services | 17,069 | $941 | 0.70 | +3.5% |
| Wholesale trade | 14,465 | $1,704 | 0.88 | -6.3% |
| Other services | 12,418 | $881 | 0.97 | -2.3% |
| Professional and technical services | 11,629 | $1,450 | 0.39 | -0.4% |
| Educational services | 8,647 | $628 | 0.94 | +50.7% |
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 #
$19.5 bn in deposits at 111 offices of 22 banks (SOD June 2026); HHI 1,060, moderately concentrated. $5.0 bn federal obligations in FY2026 (direct payments $4.4 bn, contracts $281.2 m), $11,625 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $3.6 bn · 18.3% share · 11 offices | |
| Bank of America, National Association | $3.1 bn · 15.7% share · 13 offices | |
| JPMorgan Chase Bank, National Association | $2.4 bn · 12.4% share · 11 offices | |
| Fresno, CA | $5.0 bn FY2026 · $11,625/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $3,570,793,000 | 18.3% | 11 |
| Bank of America, National Association | $3,063,661,000 | 15.7% | 13 |
| JPMorgan Chase Bank, National Association | $2,429,099,000 | 12.4% | 11 |
| Community West Bank | $2,332,804,000 | 11.9% | 18 |
| FFB Bank | $1,388,534,000 | 7.1% | 1 |
| Citibank, National Association | $1,195,000,000 | 6.1% | 8 |
| BMO Bank National Association | $1,036,303,000 | 5.3% | 7 |
| U.S. Bank National Association | $1,019,538,000 | 5.2% | 9 |
| UMB Bank, National Association | $735,203,000 | 3.8% | 1 |
| Westamerica Bank | $553,630,000 | 2.8% | 11 |
Deposit concentration is 1,060 across 22 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 22 banks with deposits in the county = 18.3² + 15.7² + 12.4² + … (19 more) = 1,060
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 #
That is $11,625 per covered job, against 428,761 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $5.0 bn / 428,761 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,625
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| 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 | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Fresno County, CA: 12 findings, 6 at a watch level and 6 noted
watchFresno County, CA's typical home value of $404,056 scores 87 on the 0-to-100 scale across US counties but 33 across California counties, a gap of 54 points.
Period 2026-09.Show the arithmetic
- 54 = |87 across US counties - 33 across California counties|
position among the entities that published this metric this period; not an official level
watchFresno County, CA's years of wages of 6.6 scores 86 on the 0-to-100 scale across US counties but 33 across California counties, a gap of 52 points.
Period 2026-09.Show the arithmetic
- 52 = |86 across US counties - 33 across California 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
watchFresno County, CA's typical asking rent of $2,052 scores 86 on the 0-to-100 scale across US counties but 34 across California counties, a gap of 52 points.
Period 2026-09.Show the arithmetic
- 52 = |86 across US counties - 34 across California counties|
position among the entities that published this metric this period; not an official level
watchFresno County, CA's typical home value of +1.1% scores 31 on the 0-to-100 scale across US counties but 67 across California counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |31 across US counties - 67 across California counties|
position among the entities that published this metric this period; not an official level
watchFresno County, CA's average weekly wage of $1,172 scores 73 on the 0-to-100 scale across US counties but 40 across California counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |73 across US counties - 40 across California 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.