Coos County, NH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.65, -71.29.
Assembled 2026-10-19. Read the brief.
- 57th pct · 1,291st of 3,063 US counties · median $230,451
- 0th pct · 10th of 10 New Hampshire counties · median $496,284
- 9th pct · 2,756th of 3,062 US counties · median +2.9%
- 0th pct · 10th of 10 New Hampshire counties · median +3.0%
- 30th pct · 947th of 1,358 US counties · median $1,506
- 0th pct · 10th of 10 New Hampshire counties · median $2,108
- 57th pct · 1,381st of 3,221 US counties · median 8,232
- 0th pct · 10th of 10 New Hampshire counties · median 37,786
- 55th pct · 1,421st of 3,221 US counties · median $1,039
- 11th pct · 9th of 10 New Hampshire counties · median $1,282
- 57th pct · 1,313th of 3,063 US counties · median 4.2
- 0th pct · 10th of 10 New Hampshire 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 $252,787 (Sep 2026), -2.0% over one year, +34.6% over five
- 57th pct · 1,291st of 3,063 US counties · median $230,451
- 0th pct · 10th of 10 New Hampshire counties · median $496,284
| Item | Value | Distance |
|---|---|---|
| Coos County, NH | $252,787 · -2.0% 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 $1,292/mo (Sep 2026), n/a over one year; price-to-rent 16.3
- 30th pct · 947th of 1,358 US counties · median $1,506
- 0th pct · 10th of 10 New Hampshire counties · median $2,108
| Item | Value | Distance |
|---|---|---|
| Coos County, NH | $1,292/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 $1,400 a month on $252,787 at 7.40%, against an average weekly wage worth $4,619 a month: 30.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $252,787 × 80% = $202,229, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,400/mo principal and interest
- wage share = payment / (avg weekly wage $1,066 × 52 / 12 = $4,619) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $252,787 / ($1,066 × 52) = 4.6
- price-to-rent = $252,787 / ($1,292 × 12) = 16.3
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 #
11,096 jobs at 1,032 employers (2026 Q1); -3.9% jobs and -0.4% average weekly wage over the year
- 57th pct · 1,381st of 3,221 US counties · median 8,232
- 0th pct · 10th of 10 New Hampshire counties · median 37,786
| Item | Value | Distance |
|---|---|---|
| Coos County, NH | 11,096 jobs · $1,066/wk · -3.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,733 | $1,426 | 1.04 | -4.6% |
| Accommodation and food services | 1,556 | $696 | 1.56 | -9.3% |
| Administrative and waste services | 440 | $1,277 | 0.70 | -2.9% |
| Arts, entertainment and recreation | 399 | $707 | 2.18 | -2.4% |
| Construction | 394 | $1,426 | 0.68 | -14.0% |
| Transportation and warehousing | 236 | $1,026 | 0.50 | -5.6% |
| Wholesale trade | 175 | $1,416 | 0.41 | -4.9% |
| Finance and insurance | 156 | $1,666 | 0.35 | +0.6% |
| Real estate and rental | 110 | $1,184 | 0.65 | +6.8% |
| Educational services | 86 | $913 | 0.36 | -3.4% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$730.2 m in deposits at 12 offices of 8 banks (SOD June 2026); HHI 1,851, highly concentrated. $298.7 m federal obligations in FY2026 (direct payments $277.8 m, grants $14.8 m), $26,919 per covered job
| Item | Value | Distance |
|---|---|---|
| The Camden National Bank | $191.1 m · 26.2% share · 2 offices | |
| Passumpsic Savings Bank | $180.8 m · 24.8% share · 3 offices | |
| Bangor Savings Bank | $110.4 m · 15.1% share · 1 office | |
| Coos, NH | $298.7 m FY2026 · $26,919/job | |
| MULTIPLE RECIPIENTS | $269.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Camden National Bank | $191,117,000 | 26.2% | 2 |
| Passumpsic Savings Bank | $180,802,000 | 24.8% | 3 |
| Bangor Savings Bank | $110,406,000 | 15.1% | 1 |
| Citizens Bank, National Association | $95,557,000 | 13.1% | 1 |
| Bank of New Hampshire | $79,169,000 | 10.8% | 2 |
| Mascoma Bank | $32,558,000 | 4.5% | 1 |
| Union Bank | $24,058,000 | 3.3% | 1 |
| Bar Harbor Bank & Trust | $16,555,000 | 2.3% | 1 |
Deposit concentration is 1,851 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 26.2² + 24.8² + 15.1² + … (5 more) = 1,851
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 | $238,927,407 |
| Department of Veterans Affairs | $28,913,799 |
| Department of Transportation | $9,283,248 |
| Department of Housing and Urban Development | $5,253,057 |
| Department of Health and Human Services | $4,375,302 |
| Department of Justice | $3,628,423 |
| Department of Agriculture | $3,206,388 |
| Department of the Interior | $1,989,501 |
| Railroad Retirement Board | $1,101,280 |
| Department of Education | $1,101,020 |
| Department of Defense | $597,050 |
| Federal Communications Commission | $318,569 |
That is $26,919 per covered job, against 11,096 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $298.7 m / 11,096 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,919
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 #
Coos County, NH: 28 findings, 1 at an alert level, 11 at a watch level and 16 noted
alertCoos County, NH's covered employment is -3.9% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -3.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchCoos County, NH's covered employment is -3.9% 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 = -3.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCoos County, NH's typical home value is -2.0% 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 = -1.9916270011387034 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCoos County, NH's average weekly wage is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchCoos County, NH's momentum index is -0.44, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.44284173729509146 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, 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.