Franklin County, MA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.58, -72.59.
Assembled 2026-10-19. Read the brief.
- 82nd pct · 538th of 3,063 US counties · median $230,451
- 7th pct · 13th of 14 Massachusetts counties · median $681,406
- 36th pct · 1,959th of 3,062 US counties · median +2.9%
- 23rd pct · 11th of 14 Massachusetts counties · median +2.7%
- 86th pct · 178th of 1,358 US counties · median $1,506
- 27th pct · 9th of 12 Massachusetts counties · median $2,499
- 74th pct · 811th of 3,221 US counties · median 8,232
- 15th pct · 12th of 14 Massachusetts counties · median 194,940
- 59th pct · 1,301st of 3,221 US counties · median $1,039
- 0th pct · 14th of 14 Massachusetts counties · median $1,471
- 84th pct · 468th of 3,063 US counties · median 4.2
- 38th pct · 9th of 14 Massachusetts counties · median 7.4
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 $369,047 (Sep 2026), +1.6% over one year, +26.2% over five
- 82nd pct · 538th of 3,063 US counties · median $230,451
- 7th pct · 13th of 14 Massachusetts counties · median $681,406
| Item | Value | Distance |
|---|---|---|
| Franklin County, MA | $369,047 · +1.6% 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 $2,099/mo (Sep 2026), +13.1% over one year; price-to-rent 14.7
- 86th pct · 178th of 1,358 US counties · median $1,506
- 27th pct · 9th of 12 Massachusetts counties · median $2,499
| Item | Value | Distance |
|---|---|---|
| Franklin County, MA | $2,099/mo · +13.1% 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 $2,044 a month on $369,047 at 7.40%, against an average weekly wage worth $4,702 a month: 43.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $369,047 × 80% = $295,238, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,044/mo principal and interest
- wage share = payment / (avg weekly wage $1,085 × 52 / 12 = $4,702) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $369,047 / ($1,085 × 52) = 6.5
- price-to-rent = $369,047 / ($2,099 × 12) = 14.7
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 #
24,632 jobs at 2,594 employers (2026 Q1); -0.2% jobs and +2.5% average weekly wage over the year
- 74th pct · 811th of 3,221 US counties · median 8,232
- 15th pct · 12th of 14 Massachusetts counties · median 194,940
| Item | Value | Distance |
|---|---|---|
| Franklin County, MA | 24,632 jobs · $1,085/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,412 | $931 | 1.19 | +5.9% |
| Manufacturing | 2,989 | $1,441 | 1.51 | -7.3% |
| Retail trade | 2,612 | $810 | 1.09 | -2.8% |
| Educational services | 1,472 | $1,153 | 2.78 | +1.2% |
| Other services | 642 | $756 | 0.87 | +0.0% |
| Transportation and warehousing | 602 | $1,538 | 0.58 | -4.0% |
| Administrative and waste services | 413 | $829 | 0.29 | +0.0% |
| Finance and insurance | 366 | $1,981 | 0.36 | +2.5% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | 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 #
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 #
$1.8 bn in deposits at 15 offices of 4 banks (SOD June 2026); HHI 3,987, highly concentrated. $566.7 m federal obligations in FY2026 (direct payments $508.1 m, grants $54.1 m), $23,008 per covered job
| Item | Value | Distance |
|---|---|---|
| Greenfield Savings Bank | $954.2 m · 54.2% share · 5 offices | |
| Greenfield Co-operative Bank | $537.8 m · 30.5% share · 6 offices | |
| Manufacturers and Traders Trust Company | $148.0 m · 8.4% share · 3 offices | |
| Franklin, MA | $566.7 m FY2026 · $23,008/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Greenfield Savings Bank | $954,247,000 | 54.2% | 5 |
| Greenfield Co-operative Bank | $537,824,000 | 30.5% | 6 |
| Manufacturers and Traders Trust Company | $148,018,000 | 8.4% | 3 |
| TD Bank, National Association | $120,908,000 | 6.9% | 1 |
Deposit concentration is 3,987 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 = 54.2² + 30.5² + 8.4² + … (1 more) = 3,987
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 $23,008 per covered job, against 24,632 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $566.7 m / 24,632 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,008
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 #
Franklin County, MA: 20 findings, 9 at a watch level and 11 noted
watchFranklin County, MA's typical asking rent is +13.1% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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 2026-09.Show the arithmetic
- test: rent.yoyPct = 13.109616032399469 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchFranklin County, MA's covered employment is -0.2% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFranklin County, MA's typical home value of $369,047 scores 82 on the 0-to-100 scale across US counties but 8 across Massachusetts counties, a gap of 75 points.
Period 2026-09.Show the arithmetic
- 75 = |82 across US counties - 8 across Massachusetts counties|
position among the entities that published this metric this period; not an official level
watchFranklin County, MA's typical asking rent of $2,099 scores 87 on the 0-to-100 scale across US counties but 27 across Massachusetts counties, a gap of 60 points.
Period 2026-09.Show the arithmetic
- 60 = |87 across US counties - 27 across Massachusetts counties|
position among the entities that published this metric this period; not an official level
watchFranklin County, MA's covered employment of 24,632 scores 75 on the 0-to-100 scale across US counties but 15 across Massachusetts counties, a gap of 59 points.
Period 2026 Q1.Show the arithmetic
- 59 = |75 across US counties - 15 across Massachusetts 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.