Monmouth County, NJ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.29, -74.15.
Assembled 2026-10-19. Read the brief.
- 98th pct · 45th of 3,063 US counties · median $230,451
- 95th pct · 2nd of 21 New Jersey counties · median $579,852
- 80th pct · 5th of 22 counties in the New York-Newark-Jersey City metro · median $680,195
- 88th pct · 358th of 3,062 US counties · median +2.9%
- 95th pct · 2nd of 21 New Jersey counties · median +3.1%
- 95th pct · 2nd of 22 counties in the New York-Newark-Jersey City metro · median +4.7%
- 96th pct · 44th of 1,358 US counties · median $1,506
- 85th pct · 4th of 21 New Jersey counties · median $2,291
- 52nd pct · 11th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
- 96th pct · 120th of 3,221 US counties · median 8,232
- 75th pct · 6th of 21 New Jersey counties · median 188,702
- 42nd pct · 13th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
- 91st pct · 286th of 3,221 US counties · median $1,039
- 50th pct · 11th of 21 New Jersey counties · median $1,446
- 42nd pct · 13th of 22 counties in the New York-Newark-Jersey City metro · median $1,632
- 97th pct · 67th of 3,063 US counties · median 4.2
- 95th pct · 2nd of 21 New Jersey counties · median 6.1
- 85th pct · 4th of 22 counties in the New York-Newark-Jersey City metro · median 8.4
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 $786,951 (Sep 2026), +7.2% over one year, +39.9% over five
- 98th pct · 45th of 3,063 US counties · median $230,451
- 95th pct · 2nd of 21 New Jersey counties · median $579,852
- 80th pct · 5th of 22 counties in the New York-Newark-Jersey City metro · median $680,195
| Item | Value | Distance |
|---|---|---|
| Monmouth County, NJ | $786,951 · +7.2% 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 $2,827/mo (Sep 2026), +4.4% over one year; price-to-rent 23.2
- 96th pct · 44th of 1,358 US counties · median $1,506
- 85th pct · 4th of 21 New Jersey counties · median $2,291
- 52nd pct · 11th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
| Item | Value | Distance |
|---|---|---|
| Monmouth County, NJ | $2,827/mo · +4.4% 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 $4,359 a month on $786,951 at 7.40%, against an average weekly wage worth $6,266 a month: 69.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $786,951 × 80% = $629,560, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $4,359/mo principal and interest
- wage share = payment / (avg weekly wage $1,446 × 52 / 12 = $6,266) = 70% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $786,951 / ($1,446 × 52) = 10.5
- price-to-rent = $786,951 / ($2,827 × 12) = 23.2
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 #
267,846 jobs at 22,625 employers (2026 Q1); -2.0% jobs and -5.6% average weekly wage over the year
- 96th pct · 120th of 3,221 US counties · median 8,232
- 75th pct · 6th of 21 New Jersey counties · median 188,702
- 42nd pct · 13th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
| Item | Value | Distance |
|---|---|---|
| Monmouth County, NJ | 267,846 jobs · $1,446/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 56,125 | $1,351 | 1.39 | -2.5% |
| Retail trade | 35,412 | $818 | 1.36 | -0.1% |
| Accommodation and food services | 27,624 | $565 | 1.15 | +0.5% |
| Professional and technical services | 19,031 | $2,628 | 1.03 | -4.5% |
| Construction | 15,979 | $1,728 | 1.14 | -0.5% |
| Administrative and waste services | 13,339 | $1,350 | 0.88 | -1.8% |
| Other services | 11,637 | $821 | 1.45 | -0.4% |
| Manufacturing | 8,933 | $1,446 | 0.41 | -0.1% |
| Finance and insurance | 7,973 | $4,035 | 0.73 | -10.1% |
| Wholesale trade | 7,361 | $1,837 | 0.72 | +0.7% |
| Arts, entertainment and recreation | 7,342 | $630 | 1.67 | -0.3% |
| Educational services | 5,880 | $994 | 1.02 | -7.3% |
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 #
$30.6 bn in deposits at 181 offices of 23 banks (SOD June 2026); HHI 894, unconcentrated. $5.0 bn federal obligations in FY2026 (direct payments $4.0 bn, contracts $885.6 m), $18,630 per covered job
| Item | Value | Distance |
|---|---|---|
| TD Bank, National Association | $4.3 bn · 14.1% share · 14 offices | |
| Bank of America, National Association | $3.8 bn · 12.5% share · 14 offices | |
| Wells Fargo Bank, National Association | $3.5 bn · 11.5% share · 19 offices | |
| Monmouth, NJ | $5.0 bn FY2026 · $18,630/job | |
| MULTIPLE RECIPIENTS | $3.9 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TD Bank, National Association | $4,319,996,000 | 14.1% | 14 |
| Bank of America, National Association | $3,817,428,000 | 12.5% | 14 |
| Wells Fargo Bank, National Association | $3,508,103,000 | 11.5% | 19 |
| JPMorgan Chase Bank, National Association | $3,487,364,000 | 11.4% | 18 |
| Santander Bank, N.A. | $3,087,453,000 | 10.1% | 15 |
| PNC Bank, National Association | $2,048,020,000 | 6.7% | 14 |
| OceanFirst Bank, National Association | $1,935,293,000 | 6.3% | 6 |
| Manasquan Bank | $1,928,131,000 | 6.3% | 9 |
| Valley National Bank | $1,164,107,000 | 3.8% | 10 |
| Provident Bank | $1,078,273,000 | 3.5% | 11 |
Deposit concentration is 894 across 23 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 23 banks with deposits in the county = 14.1² + 12.5² + 11.5² + … (20 more) = 894
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 | $3,640,621,503 |
| Department of Veterans Affairs | $835,918,589 |
| Department of Defense | $209,003,265 |
| Department of Housing and Urban Development | $132,281,224 |
| Department of Transportation | $75,904,213 |
| Railroad Retirement Board | $24,003,873 |
| Department of Education | $19,046,066 |
| Department of Justice | $18,274,107 |
| Department of Health and Human Services | $10,970,618 |
| Department of the Interior | $7,956,816 |
| Department of Homeland Security | $5,859,922 |
| Federal Communications Commission | $5,243,878 |
That is $18,630 per covered job, against 267,846 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $5.0 bn / 267,846 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,630
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 #
Monmouth County, NJ: 23 findings, 5 at a watch level and 18 noted
watchMonmouth County, NJ's years of wages of 10.5 ranks 67th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 97.84454604833442 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchMonmouth County, NJ's average weekly wage is -5.6% 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 = -5.6 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchMonmouth County, NJ's covered employment is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMonmouth County, NJ's years of wages is 10.5, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 10.465880871958491 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchMonmouth County, NJ's average weekly wage of $1,446 scores 91 on the 0-to-100 scale across US counties but 50 across New Jersey counties, a gap of 41 points.
Period 2026 Q1.Show the arithmetic
- 41 = |91 across US counties - 50 across New Jersey 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.