Clatsop County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.02, -123.70.
Assembled 2026-10-19. Read the brief.
- 94th pct · 174th of 3,063 US counties · median $230,451
- 85th pct · 6th of 36 Oregon counties · median $428,005
- 24th pct · 2,314th of 3,062 US counties · median +2.9%
- 51st pct · 18th of 36 Oregon counties · median +0.4%
- 68th pct · 428th of 1,358 US counties · median $1,506
- 44th pct · 15th of 26 Oregon counties · median $1,770
- 69th pct · 982nd of 3,221 US counties · median 8,232
- 54th pct · 17th of 36 Oregon counties · median 15,683
- 51st pct · 1,566th of 3,221 US counties · median $1,039
- 25th pct · 27th of 36 Oregon counties · median $1,074
- 96th pct · 99th of 3,063 US counties · median 4.2
- 97th pct · 2nd of 36 Oregon counties · median 6.8
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 $518,689 (Sep 2026), +0.4% over one year, +13.9% over five
- 94th pct · 174th of 3,063 US counties · median $230,451
- 85th pct · 6th of 36 Oregon counties · median $428,005
| Item | Value | Distance |
|---|---|---|
| Clatsop County, OR | $518,689 · +0.4% 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 $1,745/mo (Sep 2026), +3.0% over one year; price-to-rent 24.8
- 68th pct · 428th of 1,358 US counties · median $1,506
- 44th pct · 15th of 26 Oregon counties · median $1,770
| Item | Value | Distance |
|---|---|---|
| Clatsop County, OR | $1,745/mo · +3.0% 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 $2,873 a month on $518,689 at 7.40%, against an average weekly wage worth $4,524 a month: 63.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $518,689 × 80% = $414,951, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,873/mo principal and interest
- wage share = payment / (avg weekly wage $1,044 × 52 / 12 = $4,524) = 64% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $518,689 / ($1,044 × 52) = 9.6
- price-to-rent = $518,689 / ($1,745 × 12) = 24.8
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 #
18,485 jobs at 1,825 employers (2026 Q1); -0.8% jobs and +4.4% average weekly wage over the year
- 69th pct · 982nd of 3,221 US counties · median 8,232
- 54th pct · 17th of 36 Oregon counties · median 15,683
| Item | Value | Distance |
|---|---|---|
| Clatsop County, OR | 18,485 jobs · $1,044/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 4,337 | $603 | 2.61 | +1.2% |
| Health care and social assistance | 2,811 | $1,338 | 1.01 | +3.3% |
| Retail trade | 2,808 | $735 | 1.56 | -3.9% |
| Manufacturing | 1,794 | $1,702 | 1.21 | +1.8% |
| Administrative and waste services | 654 | $774 | 0.62 | -1.8% |
| Other services | 532 | $773 | 0.96 | -0.9% |
| Professional and technical services | 360 | $1,042 | 0.28 | +0.0% |
| Real estate and rental | 280 | $673 | 0.99 | +10.2% |
| Transportation and warehousing | 268 | $1,315 | 0.34 | -6.3% |
| Arts, entertainment and recreation | 241 | $644 | 0.79 | -2.4% |
| Finance and insurance | 225 | $1,444 | 0.30 | -12.1% |
| Wholesale trade | 179 | $1,540 | 0.25 | +1.1% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
45 gauges · 0 flooding · 15 with quality panels averaging 100 % · 7 stale
Sites found: 45, 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.
| Site | Reading | Distance |
|---|---|---|
| South Fork Necanicum River above Seaside | no readings | 18 km |
| NEHALEM RIVER AT JEWELL, OR | flow 39.6 ft³/s · quality 100 % (1) · observation not current | 19 km |
| Columbia River at Tongue Pt near Astoria | no readings | 21 km |
| West Fork Ecola Creek near Cannon Beach | no readings | 24 km |
| Columbia River at Wauna | no flooding | 27 km |
| USGS-461518123285700 | DO 9.70 mg/l · quality 100 % (4) · STALE | 31 km |
| USGS-460939123201600 | turb. 2.40 FNU · quality 100 % (5) · STALE | 32 km |
| Columbia River at Skamokawa | no readings | 33 km |
| Elochoman River above Cathlamet | no readings | 35 km |
| NEHALEM RIVER NEAR FOSS, OR | flow 92.8 ft³/s · quality 100 % (1) · no flooding | 36 km |
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 #
1 wells in 0 named aquifers:
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-453628123012101 | depth 104.3 ft · 2002-03-13 | 70 km |
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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$788.3 m in deposits at 10 offices of 5 banks (SOD June 2026); HHI 2,792, highly concentrated. $428.8 m federal obligations in FY2026 (direct payments $323.2 m, contracts $83.9 m), $23,195 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $327.8 m · 41.6% share · 3 offices | |
| Columbia Bank | $187.8 m · 23.8% share · 3 offices | |
| Wells Fargo Bank, National Association | $142.6 m · 18.1% share · 1 office | |
| Clatsop, OR | $428.8 m FY2026 · $23,195/job | |
| MULTIPLE RECIPIENTS | $305.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $327,786,000 | 41.6% | 3 |
| Columbia Bank | $187,755,000 | 23.8% | 3 |
| Wells Fargo Bank, National Association | $142,559,000 | 18.1% | 1 |
| Bank of the Pacific | $96,444,000 | 12.2% | 2 |
| First Interstate Bank | $33,710,000 | 4.3% | 1 |
Deposit concentration is 2,792 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 = 41.6² + 23.8² + 18.1² + … (2 more) = 2,792
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 | $265,523,779 |
| Department of Homeland Security | $55,746,466 |
| Department of Veterans Affairs | $39,058,132 |
| Department of Transportation | $21,555,111 |
| Department of Labor | $21,059,995 |
| Department of Housing and Urban Development | $14,550,357 |
| Department of Defense | $3,193,192 |
| Department of Education | $2,470,985 |
| Environmental Protection Agency | $2,000,000 |
| Railroad Retirement Board | $1,212,913 |
| Department of Agriculture | $1,202,502 |
| Federal Communications Commission | $573,650 |
That is $23,195 per covered job, against 18,485 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $428.8 m / 18,485 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,195
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 #
Clatsop County, OR: 11 findings, 3 at a watch level and 8 noted
watchClatsop County, OR's years of wages of 9.6 ranks 99th 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 = 96.79947746570868 >= 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
watchClatsop County, OR's price-to-rent ratio of 24.8 ranks 100th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 92.7044952100221 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchClatsop County, OR'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
noteClatsop County, OR's average weekly wage was 4.4% 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
- +4.4 % = 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
noteClatsop County, OR'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 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.