Clinton County, NY

Home values #

Typical home $230,451 (Sep 2026), +6.0% over one year, +31.8% over five

• 50th pct · 1,532nd of 3,063 US counties · median $230,451
• 34th pct · 41st of 62 New York counties · median $254,056

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 $1,279/mo (Sep 2026), n/a over one year; price-to-rent 15.0

• 28th pct · 971st of 1,358 US counties · median $1,506
• 20th pct · 39th of 49 New York counties · median $1,521

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 $1,276 a month on $230,451 at 7.40%, against an average weekly wage worth $5,144 a month: 24.8% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $230,451 × 80% = $184,361, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,276/mo principal and interest
• wage share = payment / (avg weekly wage $1,187 × 52 / 12 = $5,144) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $230,451 / ($1,187 × 52) = 3.7
• price-to-rent = $230,451 / ($1,279 × 12) = 15.0

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 #

31,541 jobs at 1,944 employers (2026 Q1); +0.7% jobs and +1.9% average weekly wage over the year

• 78th pct · 704th of 3,221 US counties · median 8,232
• 49th pct · 32nd of 62 New York counties · median 32,139

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 #

No reservoir gauges within 150 km (or the camera is above the gauge altitude)

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 #

54 gauges · 0 flooding · 8 with quality panels averaging 94 % · 26 stale

Sites found: 54, 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 #

6 wells in 0 named aquifers:

Sites found: 6, 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 (0.02)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55

Banks & federal dollars #

$2.1 bn in deposits at 19 offices of 8 banks (SOD June 2026); HHI 2,420, highly concentrated. $566.2 m federal obligations in FY2026 (direct payments $530.5 m, grants $22.9 m), $17,951 per covered job

Deposit concentration is 2,420 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 = 37.6² + 24.5² + 14.8² + … (5 more) = 2,420

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.

That is $17,951 per covered job, against 31,541 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $566.2 m / 31,541 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,951

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.

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 #

Clinton County, NY: 9 findings, 3 at a watch level and 6 noted

1. watchClinton County, NY's typical asking rent is -3.3% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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.momPct = -3.313225667767646 <= -1
   • month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

   arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level

2. watchClinton County, NY's typical asking rent fell 3.3% from $1,323 in August 2026 to $1,279 in September 2026, on Zillow ZORI.

   Period 2026-09.
   Show the arithmetic

   • -3.3% = (1279.1666666666667 - 1323.000664259654) / 1323.000664259654 × 100
   • 1279.1666666666667 = Zillow ZORI, 2026-09
   • 1323.000664259654 = Zillow ZORI, 2026-08

3. watchClinton County, NY's average weekly wage of $1,187 scores 75 on the 0-to-100 scale across US counties but 36 across New York counties, a gap of 39 points.

   Period 2026 Q1.
   Show the arithmetic

   • 39 = |75 across US counties - 36 across New York counties|

   position among the entities that published this metric this period; not an official level

4. noteClinton County, NY's average weekly wage was 1.9% 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

   • +1.9 % = 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

5. noteClinton County, NY's covered employment was 0.7% 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

   • +0.7 % = 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 9 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.