Josephine County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.39, -123.57.
Assembled 2026-10-19. Read the brief.
- 85th pct · 459th of 3,063 US counties · median $230,451
- 40th pct · 22nd of 36 Oregon counties · median $428,005
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
- 20th pct · 2,448th of 3,062 US counties · median +2.9%
- 22nd pct · 28th of 36 Oregon counties · median +0.4%
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
- 57th pct · 578th of 1,358 US counties · median $1,506
- 16th pct · 22nd of 26 Oregon counties · median $1,770
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
- 77th pct · 718th of 3,221 US counties · median 8,232
- 65th pct · 13th of 36 Oregon counties · median 15,683
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
- 39th pct · 1,930th of 3,221 US counties · median $1,039
- 8th pct · 33rd of 36 Oregon counties · median $1,074
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
- 91st pct · 261st of 3,063 US counties · median 4.2
- 65th pct · 13th of 36 Oregon counties · median 6.8
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass 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 $388,433 (Sep 2026), -0.1% over one year, +2.5% over five
- 85th pct · 459th of 3,063 US counties · median $230,451
- 40th pct · 22nd of 36 Oregon counties · median $428,005
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Josephine County, OR | $388,433 · -0.1% 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 $1,595/mo (Sep 2026), +3.5% over one year; price-to-rent 20.3
- 57th pct · 578th of 1,358 US counties · median $1,506
- 16th pct · 22nd of 26 Oregon counties · median $1,770
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Josephine County, OR | $1,595/mo · +3.5% 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 $2,152 a month on $388,433 at 7.40%, against an average weekly wage worth $4,312 a month: 49.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $388,433 × 80% = $310,746, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,152/mo principal and interest
- wage share = payment / (avg weekly wage $995 × 52 / 12 = $4,312) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $388,433 / ($995 × 52) = 7.5
- price-to-rent = $388,433 / ($1,595 × 12) = 20.3
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 #
30,377 jobs at 2,584 employers (2026 Q1); -0.8% jobs and +3.1% average weekly wage over the year
- 77th pct · 718th of 3,221 US counties · median 8,232
- 65th pct · 13th of 36 Oregon counties · median 15,683
- counties in the Grants Pass metro: Rank context is unavailable: the manifest lists 1 counties in the Grants Pass metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Josephine County, OR | 30,377 jobs · $995/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,051 | $1,006 | 2.20 | +2.2% |
| Retail trade | 3,919 | $752 | 1.32 | -1.7% |
| Accommodation and food services | 2,890 | $472 | 1.06 | +0.8% |
| Manufacturing | 2,670 | $1,074 | 1.09 | -2.9% |
| Other services | 1,020 | $692 | 1.12 | +2.6% |
| Finance and insurance | 935 | $1,646 | 0.76 | +3.2% |
| Administrative and waste services | 757 | $972 | 0.44 | -2.3% |
| Professional and technical services | 662 | $1,311 | 0.32 | -5.4% |
| Wholesale trade | 518 | $1,207 | 0.45 | -4.6% |
| Transportation and warehousing | 405 | $935 | 0.32 | -3.1% |
| Real estate and rental | 301 | $2,164 | 0.65 | -22.2% |
| Management of companies | 293 | $2,063 | 0.58 | +24.2% |
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 #
D1 moderate drought
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| KENO RESERVOIR AT KENO, OR | 83.9 ft (USGS, no capacity on file) | 137 km |
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 #
41 gauges · 0 flooding · 14 with quality panels averaging 100 % · 6 stale
Sites found: 41, 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 |
|---|---|---|
| APPLEGATE RIVER NEAR WILDERVILLE, OR | flow 132.0 ft³/s · quality 100 % (1) · no flooding | 14 km |
| ILLINOIS RIVER NEAR KERBY, OR | flow 33.0 ft³/s · quality 100 % (1) · no flooding | 19 km |
| ROGUE RIVER AT GRANTS PASS, OR | flow 1,140 ft³/s · quality 100 % (1) · no flooding | 21 km |
| SUCKER CREEK BLW LITTLE GRAYBACK CK, NR HOLLAND,OR | flow 19.2 ft³/s | 26 km |
| E F ILLINOIS RIVER NEAR TAKILMA,OREG. | flow 6.20 ft³/s · STALE | 36 km |
| Evans Creek at Wimer | no readings | 39 km |
| APPLEGATE RIVER NEAR APPLEGATE, OR | flow 111.0 ft³/s · quality 100 % (1) · no flooding | 39 km |
| GRAVE CREEK AT PEASE BRIDGE,NEAR PLACER,OREG. | flow 34.0 ft³/s · STALE | 41 km |
| Cow Creek at Glendale | no flooding | 41 km |
| ELK CREEK NEAR OBRIEN,OREG. | flow 1.40 ft³/s · STALE | 42 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 1 named aquifer: Other 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 |
|---|---|---|
| Other aquifers | depth 35.5 ft · 2025-01-10 | 50 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$2.0 bn in deposits at 16 offices of 10 banks (SOD June 2026); HHI 1,186, moderately concentrated. $816.2 m federal obligations in FY2026 (direct payments $797.1 m, contracts $9.8 m), $26,870 per covered job
| Item | Value | Distance |
|---|---|---|
| Evergreen Federal Bank | $357.0 m · 17.9% share · 2 offices | |
| Columbia Bank | $279.4 m · 14.0% share · 2 offices | |
| U.S. Bank National Association | $265.3 m · 13.3% share · 1 office | |
| Josephine, OR | $816.2 m FY2026 · $26,870/job | |
| MULTIPLE RECIPIENTS | $774.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Evergreen Federal Bank | $356,998,000 | 17.9% | 2 |
| Columbia Bank | $279,435,000 | 14.0% | 2 |
| U.S. Bank National Association | $265,275,000 | 13.3% | 1 |
| JPMorgan Chase Bank, National Association | $214,019,000 | 10.7% | 1 |
| Wells Fargo Bank, National Association | $199,716,000 | 10.0% | 1 |
| First Interstate Bank | $189,582,000 | 9.5% | 2 |
| Banner Bank | $179,950,000 | 9.0% | 2 |
| WaFd Bank | $176,733,000 | 8.9% | 3 |
| People's Bank of Commerce | $85,763,000 | 4.3% | 1 |
| KeyBank National Association | $44,082,000 | 2.2% | 1 |
Deposit concentration is 1,186 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 17.9² + 14.0² + 13.3² + … (7 more) = 1,186
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 | $609,501,651 |
| Department of Veterans Affairs | $106,023,890 |
| Department of Health and Human Services | $60,143,435 |
| Department of Education | $13,143,964 |
| Department of Agriculture | $10,663,892 |
| Department of Housing and Urban Development | $8,555,805 |
| Department of Transportation | $4,216,314 |
| Railroad Retirement Board | $2,086,476 |
| Department of the Interior | $1,183,119 |
| Federal Communications Commission | $688,430 |
| Department of Justice | $11,320 |
| Small Business Administration | $0 |
That is $26,870 per covered job, against 30,377 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $816.2 m / 30,377 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,870
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 #
Josephine County, OR: 15 findings, 8 at a watch level and 7 noted
watchJosephine County, OR's years of wages of 7.5 ranks 261st 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 = 91.5088177661659 >= 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
watchJosephine 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
watchJosephine County, OR's typical asking rent is -1.4% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, 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: rent.momPct = -1.4165631387604336 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchJosephine County, OR's typical home value is -0.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.1249555583185155 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchJosephine County, OR's typical home value of $388,433 scores 85 on the 0-to-100 scale across US counties but 40 across Oregon counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |85 across US counties - 40 across Oregon counties|
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.