Monroe County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.25, -77.70.
Assembled 2026-10-19. Read the brief.
- 66th pct · 1,016th of 3,063 US counties · median $230,451
- 55th pct · 28th of 62 New York counties · median $254,056
- 75th pct · 2nd of 5 counties in the Rochester metro · median $253,487
- 71st pct · 886th of 3,062 US counties · median +2.9%
- 22nd pct · 48th of 62 New York counties · median +5.6%
- 25th pct · 4th of 5 counties in the Rochester metro · median +5.8%
- 50th pct · 669th of 1,358 US counties · median $1,506
- 47th pct · 26th 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
- 97th pct · 71st of 3,221 US counties · median 8,232
- 88th pct · 8th of 62 New York counties · median 32,139
- 100th pct · 1st of 5 counties in the Rochester metro · median 28,308
- 88th pct · 357th of 3,221 US counties · median $1,039
- 71st pct · 18th of 62 New York counties · median $1,250
- 100th pct · 1st of 5 counties in the Rochester metro · median $1,202
- 45th pct · 1,682nd of 3,063 US counties · median 4.2
- 42nd pct · 36th of 62 New York counties · median 4.1
- 25th pct · 4th 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 $285,680 (Sep 2026), +4.7% over one year, +41.5% over five
- 66th pct · 1,016th of 3,063 US counties · median $230,451
- 55th pct · 28th of 62 New York counties · median $254,056
- 75th pct · 2nd of 5 counties in the Rochester metro · median $253,487
| Item | Value | Distance |
|---|---|---|
| Monroe County, NY | $285,680 · +4.7% 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 $1,515/mo (Sep 2026), +2.6% over one year; price-to-rent 15.7
- 50th pct · 669th of 1,358 US counties · median $1,506
- 47th pct · 26th 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 |
|---|---|---|
| Monroe County, NY | $1,515/mo · +2.6% 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 $1,582 a month on $285,680 at 7.40%, against an average weekly wage worth $5,989 a month: 26.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $285,680 × 80% = $228,544, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,582/mo principal and interest
- wage share = payment / (avg weekly wage $1,382 × 52 / 12 = $5,989) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $285,680 / ($1,382 × 52) = 4.0
- price-to-rent = $285,680 / ($1,515 × 12) = 15.7
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 #
383,098 jobs at 19,738 employers (2026 Q1); -0.5% jobs and +2.5% average weekly wage over the year
- 97th pct · 71st of 3,221 US counties · median 8,232
- 88th pct · 8th of 62 New York counties · median 32,139
- 100th pct · 1st of 5 counties in the Rochester metro · median 28,308
| Item | Value | Distance |
|---|---|---|
| Monroe County, NY | 383,098 jobs · $1,382/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 77,620 | $1,258 | 1.35 | +1.9% |
| Retail trade | 33,714 | $796 | 0.90 | -3.2% |
| Manufacturing | 33,285 | $1,756 | 1.08 | -4.6% |
| Educational services | 28,767 | $1,732 | 3.49 | -3.4% |
| Accommodation and food services | 26,236 | $516 | 0.76 | -1.0% |
| Professional and technical services | 21,165 | $1,926 | 0.80 | -1.5% |
| Administrative and waste services | 18,068 | $1,033 | 0.83 | -0.9% |
| Transportation and warehousing | 16,548 | $997 | 1.02 | +5.4% |
| Construction | 15,342 | $1,625 | 0.76 | -0.9% |
| Finance and insurance | 11,694 | $2,780 | 0.75 | -3.3% |
| Wholesale trade | 11,254 | $2,417 | 0.77 | -0.2% |
| Other services | 10,724 | $907 | 0.94 | -0.9% |
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 #
$20.3 bn in deposits at 136 offices of 16 banks (SOD June 2026); HHI 1,380, moderately concentrated. $9.5 bn federal obligations in FY2026 (direct payments $7.9 bn, contracts $1.2 bn), $24,923 per covered job
| Item | Value | Distance |
|---|---|---|
| Manufacturers and Traders Trust Company | $4.6 bn · 22.5% share · 25 offices | |
| KeyBank National Association | $3.3 bn · 16.2% share · 19 offices | |
| JPMorgan Chase Bank, National Association | $3.1 bn · 15.5% share · 18 offices | |
| Monroe, NY | $9.5 bn FY2026 · $24,923/job | |
| MULTIPLE RECIPIENTS | $7.6 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $4,579,747,000 | 22.5% | 25 |
| KeyBank National Association | $3,301,837,000 | 16.2% | 19 |
| JPMorgan Chase Bank, National Association | $3,146,701,000 | 15.5% | 18 |
| The Canandaigua National Bank and Trust Company | $2,539,196,000 | 12.5% | 18 |
| Bank of America, National Association | $1,694,378,000 | 8.3% | 10 |
| Citizens Bank, National Association | $1,659,077,000 | 8.2% | 16 |
| Five Star Bank | $1,374,120,000 | 6.8% | 8 |
| Genesee Regional Bank | $1,075,736,000 | 5.3% | 3 |
| Tompkins Community Bank | $385,856,000 | 1.9% | 3 |
| The Upstate National Bank | $178,725,000 | 0.9% | 1 |
Deposit concentration is 1,380 across 16 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 22.5² + 16.2² + 15.5² + … (13 more) = 1,380
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 | $4,240,466,266 |
| Department of Health and Human Services | $3,360,173,032 |
| Department of Defense | $1,026,231,462 |
| Department of Veterans Affairs | $285,815,575 |
| Department of Housing and Urban Development | $163,275,833 |
| Department of Energy | $123,823,384 |
| Department of Transportation | $78,888,166 |
| Department of Education | $75,756,887 |
| Department of the Treasury | $59,024,164 |
| National Aeronautics and Space Administration | $37,592,246 |
| National Science Foundation | $35,059,353 |
| Department of Homeland Security | $21,606,356 |
That is $24,923 per covered job, against 383,098 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $9.5 bn / 383,098 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,923
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 #
Monroe County, NY: 11 findings, 2 at a watch level and 9 noted
watchMonroe County, NY's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMonroe County, NY's typical home value of +4.7% scores 71 on the 0-to-100 scale across US counties but 23 across New York counties, a gap of 48 points.
Period 2026-09.Show the arithmetic
- 48 = |71 across US counties - 23 across New York counties|
position among the entities that published this metric this period; not an official level
noteMonroe County, NY's average weekly wage was 2.5% 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
- +2.5 % = 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
noteMonroe County, NY's covered employment was 0.5% lower 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
- -0.5 % = 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
noteMonroe County, NY's typical asking rent rose 0.4% from $1,509 in August 2026 to $1,515 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.4% = (1514.99580295997 - 1509.1895278894144) / 1509.1895278894144 × 100
- 1514.99580295997 = Zillow ZORI, 2026-09
- 1509.1895278894144 = Zillow ZORI, 2026-08
Read all 11 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.