Westchester County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.15, -73.75.
Assembled 2026-10-19. Read the brief.
- 99th pct · 30th of 3,063 US counties · median $230,451
- 96th pct · 3rd of 62 New York counties · median $254,056
- 90th pct · 3rd of 22 counties in the New York-Newark-Jersey City metro · median $680,195
- 90th pct · 290th of 3,062 US counties · median +2.9%
- 96th pct · 3rd of 62 New York counties · median +5.6%
- 100th pct · 1st of 22 counties in the New York-Newark-Jersey City metro · median +4.7%
- 98th pct · 24th of 1,358 US counties · median $1,506
- 89th pct · 6th of 49 New York counties · median $1,521
- 76th pct · 6th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
- 97th pct · 66th of 3,221 US counties · median 8,232
- 90th pct · 7th of 62 New York counties · median 32,139
- 66th pct · 8th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
- 98th pct · 47th of 3,221 US counties · median $1,039
- 98th pct · 2nd of 62 New York counties · median $1,250
- 80th pct · 5th of 22 counties in the New York-Newark-Jersey City metro · median $1,632
- 94th pct · 179th of 3,063 US counties · median 4.2
- 86th pct · 9th of 62 New York counties · median 4.1
- 47th pct · 12th 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 $877,732 (Sep 2026), +7.8% over one year, +31.2% over five
- 99th pct · 30th of 3,063 US counties · median $230,451
- 96th pct · 3rd of 62 New York counties · median $254,056
- 90th pct · 3rd of 22 counties in the New York-Newark-Jersey City metro · median $680,195
| Item | Value | Distance |
|---|---|---|
| Westchester County, NY | $877,732 · +7.8% 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 $3,097/mo (Sep 2026), +5.0% over one year; price-to-rent 23.6
- 98th pct · 24th of 1,358 US counties · median $1,506
- 89th pct · 6th of 49 New York counties · median $1,521
- 76th pct · 6th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
| Item | Value | Distance |
|---|---|---|
| Westchester County, NY | $3,097/mo · +5.0% 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 $4,862 a month on $877,732 at 7.40%, against an average weekly wage worth $8,732 a month: 55.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $877,732 × 80% = $702,185, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $4,862/mo principal and interest
- wage share = payment / (avg weekly wage $2,015 × 52 / 12 = $8,732) = 56% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $877,732 / ($2,015 × 52) = 8.4
- price-to-rent = $877,732 / ($3,097 × 12) = 23.6
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 #
425,591 jobs at 37,790 employers (2026 Q1); -0.9% jobs and +0.6% average weekly wage over the year
- 97th pct · 66th of 3,221 US counties · median 8,232
- 90th pct · 7th of 62 New York counties · median 32,139
- 66th pct · 8th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
| Item | Value | Distance |
|---|---|---|
| Westchester County, NY | 425,591 jobs · $2,015/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 82,973 | $1,482 | 1.30 | +4.4% |
| Retail trade | 42,589 | $982 | 1.03 | -7.5% |
| Accommodation and food services | 29,734 | $700 | 0.78 | +0.6% |
| Professional and technical services | 29,288 | $3,835 | 1.00 | -4.9% |
| Construction | 26,213 | $1,737 | 1.17 | -2.3% |
| Administrative and waste services | 22,519 | $1,343 | 0.93 | +0.3% |
| Other services | 19,086 | $1,011 | 1.50 | -2.6% |
| Transportation and warehousing | 17,333 | $1,319 | 0.97 | -0.9% |
| Educational services | 17,302 | $1,177 | 1.89 | +0.6% |
| Finance and insurance | 16,780 | $7,911 | 0.97 | -0.2% |
| Wholesale trade | 10,329 | $2,490 | 0.63 | -5.3% |
| Real estate and rental | 9,852 | $1,878 | 1.51 | -2.8% |
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 #
$274.0 bn in deposits at 244 offices of 31 banks (SOD June 2026); HHI 6,038, highly concentrated. $6.4 bn federal obligations in FY2026 (direct payments $5.4 bn, contracts $651.9 m), $15,039 per covered job
| Item | Value | Distance |
|---|---|---|
| Morgan Stanley Private Bank, National Association | $211.7 bn · 77.2% share · 1 office | |
| JPMorgan Chase Bank, National Association | $17.1 bn · 6.3% share · 63 offices | |
| Customers Bank | $12.1 bn · 4.4% share · 1 office | |
| Westchester, NY | $6.4 bn FY2026 · $15,039/job | |
| MULTIPLE RECIPIENTS | $5.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Morgan Stanley Private Bank, National Association | $211,668,000,000 | 77.2% | 1 |
| JPMorgan Chase Bank, National Association | $17,139,540,000 | 6.3% | 63 |
| Customers Bank | $12,060,012,000 | 4.4% | 1 |
| Citibank, National Association | $6,223,000,000 | 2.3% | 20 |
| Wells Fargo Bank, National Association | $4,538,966,000 | 1.7% | 24 |
| Emigrant Bank | $3,354,622,000 | 1.2% | 4 |
| Bank of America, National Association | $3,120,068,000 | 1.1% | 16 |
| TD Bank, National Association | $2,764,250,000 | 1.0% | 12 |
| Citizens Bank, National Association | $1,717,162,000 | 0.6% | 8 |
| Apple Bank | $1,351,756,000 | 0.5% | 6 |
Deposit concentration is 6,038 across 30 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 30 banks with deposits in the county = 77.2² + 6.3² + 4.4² + … (27 more) = 6,038
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 | $4,951,948,350 |
| Department of Health and Human Services | $373,079,587 |
| Department of Housing and Urban Development | $348,759,850 |
| Department of Veterans Affairs | $323,730,854 |
| Department of Transportation | $143,643,013 |
| Department of Defense | $82,457,122 |
| Department of Education | $66,172,559 |
| Department of Agriculture | $30,719,122 |
| Railroad Retirement Board | $28,727,870 |
| Department of Homeland Security | $15,745,695 |
| General Services Administration | $10,601,303 |
| Federal Communications Commission | $10,272,710 |
That is $15,039 per covered job, against 425,591 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $6.4 bn / 425,591 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,039
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 #
Westchester County, NY: 22 findings, 2 at a watch level and 20 noted
watchWestchester County, NY's years of wages of 8.4 ranks 179th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 94.18680600914435 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchWestchester County, NY's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWestchester County, NY's covered employment was 0.9% 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
- -0.9 % = 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
noteWestchester County, NY's typical home value rose 0.7% from $871,324 in August 2026 to $877,732 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.7% = (877731.6568072923 - 871324.4694589243) / 871324.4694589243 × 100
- 877731.6568072923 = Zillow ZHVI, 2026-09
- 871324.4694589243 = Zillow ZHVI, 2026-08
noteWestchester County, NY's average weekly wage was 0.6% 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
- +0.6 % = 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.