New York County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.78, -73.97.
Assembled 2026-10-19. Read the brief.
- 99th pct · 12th of 3,063 US counties · median $230,451
- 100th pct · 1st of 62 New York counties · median $254,056
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median $680,195
- 54th pct · 1,394th of 3,062 US counties · median +2.9%
- 1st pct · 61st of 62 New York counties · median +5.6%
- 28th pct · 16th of 22 counties in the New York-Newark-Jersey City metro · median +4.7%
- 99th pct · 3rd of 1,358 US counties · median $1,506
- 100th pct · 1st of 49 New York counties · median $1,521
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median $2,825
- 99th pct · 3rd of 3,221 US counties · median 8,232
- 100th pct · 1st of 62 New York counties · median 32,139
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median 283,785
- 100th pct · 1st of 3,221 US counties · median $1,039
- 100th pct · 1st of 62 New York counties · median $1,250
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median $1,632
- 64th pct · 1,101st of 3,063 US counties · median 4.2
- 67th pct · 21st of 62 New York counties · median 4.1
- 4th pct · 21st 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 $1.2 m (Sep 2026), +3.2% over one year, -10.3% over five
- 99th pct · 12th of 3,063 US counties · median $230,451
- 100th pct · 1st of 62 New York counties · median $254,056
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median $680,195
| Item | Value | Distance |
|---|---|---|
| New York County, NY | $1.2 m · +3.2% 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 $4,779/mo (Sep 2026), +5.7% over one year; price-to-rent 21.8
- 99th pct · 3rd of 1,358 US counties · median $1,506
- 100th pct · 1st of 49 New York counties · median $1,521
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median $2,825
| Item | Value | Distance |
|---|---|---|
| New York County, NY | $4,779/mo · +5.7% 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 $6,909 a month on $1,247,381 at 7.40%, against an average weekly wage worth $21,242 a month: 32.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $1.2 m × 80% = $997,905, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $6,909/mo principal and interest
- wage share = payment / (avg weekly wage $4,902 × 52 / 12 = $21,242) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $1.2 m / ($4,902 × 52) = 4.9
- price-to-rent = $1.2 m / ($4,779 × 12) = 21.8
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 #
2.50 m jobs at 129,854 employers (2026 Q1); +0.5% jobs and +8.2% average weekly wage over the year
- 99th pct · 3rd of 3,221 US counties · median 8,232
- 100th pct · 1st of 62 New York counties · median 32,139
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median 283,785
| Item | Value | Distance |
|---|---|---|
| New York County, NY | 2.50 m jobs · $4,902/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Professional and technical services | 371,357 | $4,542 | 2.15 | +0.3% |
| Finance and insurance | 336,114 | $17,703 | 3.30 | +2.8% |
| Health care and social assistance | 265,697 | $1,704 | 0.71 | -2.3% |
| Accommodation and food services | 214,911 | $1,074 | 0.96 | +1.8% |
| Information | 189,488 | $6,013 | 4.11 | +1.4% |
| Administrative and waste services | 145,990 | $2,205 | 1.03 | -0.5% |
| Educational services | 128,917 | $2,512 | 2.40 | -2.4% |
| Retail trade | 122,958 | $1,647 | 0.50 | +0.4% |
| Other services | 92,502 | $1,852 | 1.24 | -1.6% |
| Real estate and rental | 83,666 | $2,956 | 2.18 | -1.6% |
| Wholesale trade | 68,685 | $3,639 | 0.72 | -1.3% |
| Management of companies | 65,918 | $5,557 | 1.58 | -1.8% |
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 #
$1.91 tn in deposits at 503 offices of 83 banks (SOD June 2026); HHI 2,370, highly concentrated. $29.7 bn federal obligations in FY2026 (direct payments $22.6 bn, grants $5.0 bn), $11,881 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $833.6 bn · 43.6% share · 115 offices | |
| Goldman Sachs Bank USA | $279.1 bn · 14.6% share · 1 office | |
| The Bank of New York Mellon | $255.9 bn · 13.4% share · 3 offices | |
| New York, NY | $29.7 bn FY2026 · $11,881/job | |
| MULTIPLE RECIPIENTS | $18.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $833,609,048,000 | 43.6% | 115 |
| Goldman Sachs Bank USA | $279,116,000,000 | 14.6% | 1 |
| The Bank of New York Mellon | $255,943,000,000 | 13.4% | 3 |
| HSBC Bank USA, National Association | $100,286,756,000 | 5.2% | 3 |
| Bank of America, National Association | $91,187,052,000 | 4.8% | 49 |
| Citibank, National Association | $61,749,000,000 | 3.2% | 62 |
| Wells Fargo Bank, National Association | $45,875,437,000 | 2.4% | 28 |
| Deutsche Bank Trust Company Americas | $28,146,000,000 | 1.5% | 1 |
| Bank of China | $22,556,365,000 | 1.2% | 1 |
| City National Bank | $19,077,524,000 | 1.0% | 5 |
Deposit concentration is 2,370 across 78 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 78 banks with deposits in the county = 43.6² + 14.6² + 13.4² + … (75 more) = 2,370
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 |
|---|---|
| Department of Health and Human Services | $14,473,038,130 |
| Social Security Administration | $6,524,212,168 |
| Department of Housing and Urban Development | $6,018,359,181 |
| Department of Defense | $912,046,933 |
| Department of Veterans Affairs | $355,299,741 |
| Department of Education | $329,718,477 |
| General Services Administration | $252,087,870 |
| Federal Communications Commission | $154,099,573 |
| Department of Homeland Security | $131,855,529 |
| National Science Foundation | $120,503,022 |
| Department of the Treasury | $55,394,714 |
| Department of Transportation | $54,712,432 |
That is $11,881 per covered job, against 2,499,641 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $29.7 bn / 2.50 m covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,881
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.
Public companies #
1 public company files with the SEC from a business address here (JPMorgan Chase & Co). These rows are a committed fixture, not a pull: the snapshot has never been refreshed, so every financial fact is null and the list is not a complete census of filers in this county. The county's jobs mix maps to 10 GICS sectors, led by Communication Services.
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase & Co | JPM · NYSE · Financials · New York, NY 10179 |
This is a committed fixture, not a pull: 1 filers are named and their financial facts are empty until the snapshot is refreshed. An absent company is not evidence that none is headquartered here.
Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
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 #
New York County, NY: 22 findings, 1 at a watch level and 21 noted
watchNew York County, NY's typical home value of +3.2% scores 54 on the 0-to-100 scale across US counties but 2 across New York counties, a gap of 53 points.
Period 2026-09.Show the arithmetic
- 53 = |54 across US counties - 2 across New York counties|
position among the entities that published this metric this period; not an official level
noteNew York County, NY's average weekly wage was 8.2% 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
- +8.2 % = 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
noteNew York County, NY's covered employment was 0.5% 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
- +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
noteNew York County, NY's typical home value rose 0.3% from $1,243,086 in August 2026 to $1,247,381 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (1247380.9707456464 - 1243086.107605688) / 1243086.107605688 × 100
- 1247380.9707456464 = Zillow ZHVI, 2026-09
- 1243086.107605688 = Zillow ZHVI, 2026-08
noteNew York County, NY's typical home value of $1,247,381 ranks 1st of 62 New York counties, against a median of $254,056.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 62 New York counties that published home.latest
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.