Sacramento County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.45, -121.34.
Assembled 2026-10-20. Read the brief.
- 94th pct · 171st of 3,063 US counties · median $230,451
- 54th pct · 27th of 58 California counties · median $494,569
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 17th pct · 2,541st of 3,062 US counties · median +2.9%
- 24th pct · 44th of 58 California counties · median +0.4%
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 89th pct · 145th of 1,358 US counties · median $1,506
- 44th pct · 27th of 48 California counties · median $2,448
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 99th pct · 30th of 3,221 US counties · median 8,232
- 87th pct · 8th of 58 California counties · median 74,865
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 95th pct · 150th of 3,221 US counties · median $1,039
- 84th pct · 10th of 58 California counties · median $1,206
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 81st pct · 578th of 3,063 US counties · median 4.2
- 19th pct · 47th of 58 California counties · median 7.2
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom 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 $521,128 (Sep 2026), -0.5% over one year, +3.0% over five
- 94th pct · 171st of 3,063 US counties · median $230,451
- 54th pct · 27th of 58 California counties · median $494,569
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sacramento County, CA | $521,128 · -0.5% 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 $2,170/mo (Sep 2026), +1.7% over one year; price-to-rent 20.0
- 89th pct · 145th of 1,358 US counties · median $1,506
- 44th pct · 27th of 48 California counties · median $2,448
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sacramento County, CA | $2,170/mo · +1.7% 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 $2,887 a month on $521,128 at 7.40%, against an average weekly wage worth $7,085 a month: 40.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $521,128 × 80% = $416,903, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,887/mo principal and interest
- wage share = payment / (avg weekly wage $1,635 × 52 / 12 = $7,085) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $521,128 / ($1,635 × 52) = 6.1
- price-to-rent = $521,128 / ($2,170 × 12) = 20.0
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 #
735,990 jobs at 79,699 employers (2026 Q1); +0.9% jobs and +2.6% average weekly wage over the year
- 99th pct · 30th of 3,221 US counties · median 8,232
- 87th pct · 8th of 58 California counties · median 74,865
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sacramento County, CA | 735,990 jobs · $1,635/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 135,578 | $1,354 | 1.22 | +5.8% |
| Retail trade | 59,852 | $847 | 0.83 | -1.2% |
| Accommodation and food services | 55,908 | $603 | 0.85 | +0.7% |
| Construction | 43,012 | $1,738 | 1.11 | -2.5% |
| Professional and technical services | 40,802 | $2,722 | 0.80 | +0.2% |
| Administrative and waste services | 39,025 | $1,167 | 0.93 | -1.6% |
| Other services | 23,795 | $1,184 | 1.08 | +0.3% |
| Transportation and warehousing | 23,193 | $1,063 | 0.75 | +3.4% |
| Manufacturing | 21,963 | $1,688 | 0.37 | -2.3% |
| Finance and insurance | 19,338 | $2,793 | 0.64 | +6.8% |
| Wholesale trade | 15,060 | $1,789 | 0.53 | -4.8% |
| Educational services | 13,042 | $947 | 0.82 | +6.0% |
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 #
D0 abnormally dry
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 #
$73.1 bn in deposits at 174 offices of 30 banks (SOD June 2026); HHI 2,941, highly concentrated. $14.7 bn federal obligations in FY2026 (direct payments $7.8 bn, grants $6.1 bn), $19,992 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $37.3 bn · 51.1% share · 16 offices | |
| Wells Fargo Bank, National Association | $8.2 bn · 11.2% share · 32 offices | |
| Bank of America, National Association | $6.2 bn · 8.4% share · 24 offices | |
| Sacramento, CA | $14.7 bn FY2026 · $19,992/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $37,332,078,000 | 51.1% | 16 |
| Wells Fargo Bank, National Association | $8,175,997,000 | 11.2% | 32 |
| Bank of America, National Association | $6,169,094,000 | 8.4% | 24 |
| JPMorgan Chase Bank, National Association | $6,068,540,000 | 8.3% | 26 |
| River City Bank | $5,177,255,000 | 7.1% | 4 |
| Five Star Bank | $1,711,531,000 | 2.3% | 3 |
| BMO Bank National Association | $1,407,375,000 | 1.9% | 9 |
| Citibank, National Association | $1,048,000,000 | 1.4% | 5 |
| Farmers & Merchants Bank of Central California | $778,910,000 | 1.1% | 6 |
| First-Citizens Bank & Trust Company | $754,917,000 | 1.0% | 2 |
Deposit concentration is 2,941 across 30 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 30 banks with deposits in the county = 51.1² + 11.2² + 8.4² + … (27 more) = 2,941
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 $19,992 per covered job, against 735,990 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $14.7 bn / 735,990 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,992
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.
Public companies #
5 public companies file with the SEC from a business address here (FIVE STAR BANCORP, Alto Ingredients, Inc., SPACSphere Acquisition Corp., and 2 more). The snapshot was pulled 2026-10-20; 4 of 5 carry financial facts. The county's jobs mix maps to 10 GICS sectors, led by Health Care.
| Item | Value | Distance |
|---|---|---|
| FIVE STAR BANCORP | FSBC · Nasdaq · Financials · RANCHO CORDOVA, CA 95670 | |
| Alto Ingredients, Inc. | ALTO · Nasdaq · Materials · SACRAMENTO, CA 95814 | |
| SPACSphere Acquisition Corp. | SSAC · Nasdaq · Information Technology · SACRAMENTO, CA 95826 | |
| DevvStream Corp. | DEVSF · OTC · Financials · SACRAMENTO, CA 95816 | |
| SPACCircle Acquisition Corp. | SCQC · Financials · SACRAMENTO, CA 95826 |
Snapshot pulled 2026-10-20: 5 filers, 4 with financial facts.
Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 · % | 72.20 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Sacramento County, CA: 12 findings, 4 at a watch level and 8 noted
watchSacramento County, CA's typical home value is -0.5% 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 2026-09.Show the arithmetic
- test: home.yoyPct = -0.543321741887409 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchSacramento County, CA's years of wages of 6.1 scores 81 on the 0-to-100 scale across US counties but 19 across California counties, a gap of 62 points.
Period 2026-09.Show the arithmetic
- 62 = |81 across US counties - 19 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
watchSacramento County, CA's typical asking rent of $2,170 scores 89 on the 0-to-100 scale across US counties but 45 across California counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |89 across US counties - 45 across California counties|
position among the entities that published this metric this period; not an official level
watchSacramento County, CA's typical home value of $521,128 scores 94 on the 0-to-100 scale across US counties but 54 across California counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |94 across US counties - 54 across California counties|
position among the entities that published this metric this period; not an official level
noteSacramento County, CA'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
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.