Orange County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.40, -74.31.
Assembled 2026-10-19. Read the brief.
- 91st pct · 256th of 3,063 US counties · median $230,451
- 78th pct · 14th of 62 New York counties · median $254,056
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 58th pct · 1,266th of 3,062 US counties · median +2.9%
- 8th pct · 57th of 62 New York counties · median +5.6%
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 92nd pct · 106th of 1,358 US counties · median $1,506
- 79th pct · 11th of 49 New York counties · median $1,521
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 93rd pct · 213th of 3,221 US counties · median 8,232
- 81st pct · 12th of 62 New York counties · median 32,139
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 82nd pct · 550th of 3,221 US counties · median $1,039
- 52nd pct · 30th of 62 New York counties · median $1,250
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 88th pct · 340th of 3,063 US counties · median 4.2
- 83rd pct · 11th of 62 New York counties · median 4.1
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
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 $467,501 (Sep 2026), +3.5% over one year, +35.8% over five
- 91st pct · 256th of 3,063 US counties · median $230,451
- 78th pct · 14th of 62 New York counties · median $254,056
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Orange County, NY | $467,501 · +3.5% 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 $2,301/mo (Sep 2026), +3.2% over one year; price-to-rent 16.9
- 92nd pct · 106th of 1,358 US counties · median $1,506
- 79th pct · 11th of 49 New York counties · median $1,521
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Orange County, NY | $2,301/mo · +3.2% 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 $2,590 a month on $467,501 at 7.40%, against an average weekly wage worth $5,529 a month: 46.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $467,501 × 80% = $374,001, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,590/mo principal and interest
- wage share = payment / (avg weekly wage $1,276 × 52 / 12 = $5,529) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $467,501 / ($1,276 × 52) = 7.0
- price-to-rent = $467,501 / ($2,301 × 12) = 16.9
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 #
152,577 jobs at 11,898 employers (2026 Q1); -0.8% jobs and +4.5% average weekly wage over the year
- 93rd pct · 213th of 3,221 US counties · median 8,232
- 81st pct · 12th of 62 New York counties · median 32,139
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Orange County, NY | 152,577 jobs · $1,276/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 25,406 | $1,193 | 1.11 | +0.0% |
| Retail trade | 20,161 | $810 | 1.36 | -2.7% |
| Accommodation and food services | 10,821 | $562 | 0.79 | -2.5% |
| Transportation and warehousing | 9,926 | $1,066 | 1.54 | -1.5% |
| Manufacturing | 8,185 | $1,464 | 0.67 | +3.4% |
| Wholesale trade | 7,523 | $1,701 | 1.29 | -1.8% |
| Construction | 7,439 | $1,397 | 0.93 | +4.3% |
| Administrative and waste services | 7,348 | $1,566 | 0.85 | -7.5% |
| Professional and technical services | 6,427 | $1,505 | 0.61 | +2.0% |
| Other services | 6,310 | $791 | 1.38 | -3.0% |
| Educational services | 3,237 | $634 | 0.99 | +1.4% |
| Finance and insurance | 2,593 | $2,419 | 0.42 | -5.0% |
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 #
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 #
$10.8 bn in deposits at 83 offices of 22 banks (SOD June 2026); HHI 1,076, moderately concentrated. $2.3 bn federal obligations in FY2026 (direct payments $2.0 bn, contracts $159.1 m), $14,881 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $2.4 bn · 22.6% share · 13 offices | |
| TD Bank, National Association | $1.5 bn · 13.9% share · 6 offices | |
| Orange Bank & Trust Company | $1.0 bn · 9.4% share · 6 offices | |
| Orange, NY | $2.3 bn FY2026 · $14,881/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $2,436,532,000 | 22.6% | 13 |
| TD Bank, National Association | $1,500,325,000 | 13.9% | 6 |
| Orange Bank & Trust Company | $1,018,361,000 | 9.4% | 6 |
| Manufacturers and Traders Trust Company | $818,278,000 | 7.6% | 7 |
| Walden Savings Bank | $767,610,000 | 7.1% | 10 |
| Bank of America, National Association | $757,536,000 | 7.0% | 3 |
| KeyBank National Association | $718,960,000 | 6.7% | 8 |
| Webster Bank, National Association | $676,992,000 | 6.3% | 4 |
| Citizens Bank, National Association | $436,027,000 | 4.0% | 3 |
| NorthEast Community Bank | $273,290,000 | 2.5% | 2 |
Deposit concentration is 1,076 across 22 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 22 banks with deposits in the county = 22.6² + 13.9² + 9.4² + … (19 more) = 1,076
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 $14,881 per covered job, against 152,577 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.3 bn / 152,577 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,881
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.
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 #
Orange County, NY: 12 findings, 3 at a watch level and 9 noted
watchOrange County, NY's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOrange County, NY's typical home value of +3.5% scores 59 on the 0-to-100 scale across US counties but 8 across New York counties, a gap of 50 points.
Period 2026-09.Show the arithmetic
- 50 = |59 across US counties - 8 across New York counties|
position among the entities that published this metric this period; not an official level
watchOrange County, NY's average weekly wage of $1,276 scores 83 on the 0-to-100 scale across US counties but 52 across New York counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |83 across US counties - 52 across New York counties|
position among the entities that published this metric this period; not an official level
noteOrange County, NY's average weekly wage was 4.5% 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
- +4.5 % = 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
noteOrange County, NY's covered employment was 0.8% 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
- -0.8 % = 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.