Livingston County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.73, -77.78.
Assembled 2026-10-19. Read the brief.
- 56th pct · 1,343rd of 3,063 US counties · median $230,451
- 42nd pct · 36th of 62 New York counties · median $254,056
- 25th pct · 4th of 5 counties in the Rochester metro · median $253,487
- 63rd pct · 1,113th of 3,062 US counties · median +2.9%
- 14th pct · 53rd of 62 New York counties · median +5.6%
- 0th pct · 5th of 5 counties in the Rochester metro · median +5.8%
- 77th pct · 310th of 1,358 US counties · median $1,506
- 66th pct · 17th of 49 New York counties · median $1,521
- counties in the Rochester metro: only 4 of counties in the Rochester metro published this metric; fewer than 5 is too few to rank
- 71st pct · 918th of 3,221 US counties · median 8,232
- 34th pct · 41st of 62 New York counties · median 32,139
- 25th pct · 4th of 5 counties in the Rochester metro · median 28,308
- 63rd pct · 1,188th of 3,221 US counties · median $1,039
- 16th pct · 52nd of 62 New York counties · median $1,250
- 0th pct · 5th of 5 counties in the Rochester metro · median $1,202
- 52nd pct · 1,460th of 3,063 US counties · median 4.2
- 57th pct · 27th of 62 New York counties · median 4.1
- 75th pct · 2nd of 5 counties in the Rochester metro · median 4.1
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 $247,627 (Sep 2026), +4.0% over one year, +35.3% over five
- 56th pct · 1,343rd of 3,063 US counties · median $230,451
- 42nd pct · 36th of 62 New York counties · median $254,056
- 25th pct · 4th of 5 counties in the Rochester metro · median $253,487
| Item | Value | Distance |
|---|---|---|
| Livingston County, NY | $247,627 · +4.0% 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 $1,865/mo (Sep 2026), n/a over one year; price-to-rent 11.1
- 77th pct · 310th of 1,358 US counties · median $1,506
- 66th pct · 17th of 49 New York counties · median $1,521
- counties in the Rochester metro: only 4 of counties in the Rochester metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Livingston County, NY | $1,865/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 $1,372 a month on $247,627 at 7.40%, against an average weekly wage worth $4,780 a month: 28.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $247,627 × 80% = $198,101, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,372/mo principal and interest
- wage share = payment / (avg weekly wage $1,103 × 52 / 12 = $4,780) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $247,627 / ($1,103 × 52) = 4.3
- price-to-rent = $247,627 / ($1,865 × 12) = 11.1
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 #
20,233 jobs at 1,494 employers (2026 Q1); +5.3% jobs and +0.9% average weekly wage over the year
- 71st pct · 918th of 3,221 US counties · median 8,232
- 34th pct · 41st of 62 New York counties · median 32,139
- 25th pct · 4th of 5 counties in the Rochester metro · median 28,308
| Item | Value | Distance |
|---|---|---|
| Livingston County, NY | 20,233 jobs · $1,103/wk · +5.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,414 | $976 | 0.79 | +26.0% |
| Retail trade | 2,314 | $705 | 1.17 | +0.0% |
| Accommodation and food services | 1,896 | $441 | 1.04 | +1.0% |
| Manufacturing | 1,613 | $1,206 | 0.99 | +2.0% |
| Construction | 1,252 | $1,625 | 1.18 | +14.3% |
| Administrative and waste services | 738 | $1,051 | 0.64 | +16.4% |
| Other services | 706 | $674 | 1.17 | +2.2% |
| Transportation and warehousing | 688 | $1,074 | 0.81 | +5.4% |
| Professional and technical services | 378 | $1,020 | 0.27 | +0.0% |
| Finance and insurance | 216 | $1,070 | 0.26 | +10.2% |
| Management of companies | 158 | $1,163 | 0.47 | +0.0% |
| Information | 124 | $1,047 | 0.33 | -20.0% |
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 #
$1.2 bn in deposits at 14 offices of 5 banks (SOD June 2026); HHI 2,787, highly concentrated. $430.0 m federal obligations in FY2026 (direct payments $398.8 m, contracts $20.5 m), $21,254 per covered job
| Item | Value | Distance |
|---|---|---|
| Five Star Bank | $442.8 m · 36.6% share · 5 offices | |
| Tompkins Community Bank | $325.2 m · 26.9% share · 3 offices | |
| Community Bank, National Association | $311.9 m · 25.8% share · 4 offices | |
| Livingston, NY | $430.0 m FY2026 · $21,254/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Five Star Bank | $442,796,000 | 36.6% | 5 |
| Tompkins Community Bank | $325,243,000 | 26.9% | 3 |
| Community Bank, National Association | $311,881,000 | 25.8% | 4 |
| KeyBank National Association | $84,549,000 | 7.0% | 1 |
| Manufacturers and Traders Trust Company | $46,070,000 | 3.8% | 1 |
Deposit concentration is 2,787 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 36.6² + 26.9² + 25.8² + … (2 more) = 2,787
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 $21,254 per covered job, against 20,233 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $430.0 m / 20,233 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,254
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 #
Livingston County, NY: 19 findings, 4 at a watch level and 15 noted
watchLivingston County, NY's typical asking rent is -2.3% 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 = -2.2553222623895257 <= -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
watchLivingston County, NY's typical home value of +4.0% scores 64 on the 0-to-100 scale across US counties but 15 across New York counties, a gap of 49 points.
Period 2026-09.Show the arithmetic
- 49 = |64 across US counties - 15 across New York counties|
position among the entities that published this metric this period; not an official level
watchLivingston County, NY's average weekly wage of $1,103 scores 63 on the 0-to-100 scale across US counties but 16 across New York counties, a gap of 47 points.
Period 2026 Q1.Show the arithmetic
- 47 = |63 across US counties - 16 across New York counties|
position among the entities that published this metric this period; not an official level
watchLivingston County, NY's covered employment of 20,233 scores 72 on the 0-to-100 scale across US counties but 34 across New York counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |72 across US counties - 34 across New York counties|
position among the entities that published this metric this period; not an official level
noteLivingston County, NY's covered employment was 5.3% 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
- +5.3 % = 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.