Lake County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.79, -120.39.
Assembled 2026-10-19. Read the brief.
- 36th pct · 1,960th of 3,063 US counties · median $230,451
- 0th pct · 36th of 36 Oregon counties · median $428,005
- 4th pct · 2,918th of 3,062 US counties · median +2.9%
- 0th pct · 36th of 36 Oregon counties · median +0.4%
- US counties: not published this period
- Oregon counties: not published this period
- 19th pct · 2,585th of 3,221 US counties · median 8,232
- 11th pct · 32nd of 36 Oregon counties · median 15,683
- 51st pct · 1,572nd of 3,221 US counties · median $1,039
- 22nd pct · 28th of 36 Oregon counties · median $1,074
- 35th pct · 1,984th of 3,063 US counties · median 4.2
- 0th pct · 36th 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 $194,326 (Sep 2026), -4.5% over one year, +11.8% over five
- 36th pct · 1,960th of 3,063 US counties · median $230,451
- 0th pct · 36th of 36 Oregon counties · median $428,005
| Item | Value | Distance |
|---|---|---|
| Lake County, OR | $194,326 · -4.5% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Oregon counties: not published this period
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 $1,076 a month on $194,326 at 7.40%, against an average weekly wage worth $4,520 a month: 23.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $194,326 × 80% = $155,461, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,076/mo principal and interest
- wage share = payment / (avg weekly wage $1,043 × 52 / 12 = $4,520) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $194,326 / ($1,043 × 52) = 3.6
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 #
2,410 jobs at 348 employers (2026 Q1); +0.5% jobs and +7.2% average weekly wage over the year
- 19th pct · 2,585th of 3,221 US counties · median 8,232
- 11th pct · 32nd of 36 Oregon counties · median 15,683
| Item | Value | Distance |
|---|---|---|
| Lake County, OR | 2,410 jobs · $1,043/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 387 | $748 | 22.23 | +16.6% |
| Retail trade | 230 | $662 | 0.98 | -2.5% |
| Manufacturing | 201 | $1,068 | 1.04 | +0.0% |
| Health care and social assistance | 102 | $814 | 0.28 | -8.9% |
| Other services | 82 | $657 | 1.14 | +12.3% |
| Wholesale trade | 39 | $1,180 | 0.42 | +0.0% |
| Transportation and warehousing | 30 | $716 | 0.30 | -33.3% |
| Finance and insurance | 29 | $1,236 | 0.30 | -9.4% |
| Utilities | 12 | $1,622 | 1.26 | +0.0% |
| Educational services | 10 | $881 | 0.19 | -16.7% |
| Construction | withheld | |||
| Information | withheld |
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 | 84.0 ft (USGS, no capacity on file) | 147 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 #
9 gauges · 0 flooding · 2 with quality panels averaging 50 % · 8 stale
Sites found: 9, 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 |
|---|---|---|
| SUMMER LAKE WILDLIFE AREA NE GOLD POND | temp 21.0 °C · quality 50 % (3) · STALE | 35 km |
| SUMMER LAKE WILDLIFE AREA BULLGATE IMPOUNDMENT | temp 18.2 °C · quality 50 % (3) · STALE | 33 km |
| CHEWAUCAN RIVER NEAR PAISLEY,OREG. | flow 22.0 ft³/s · STALE | 19 km |
| CHEWAUCAN RIVER AT MOUTH NEAR VALLEY FALLS, OR | stage 7.66 ft | 32 km |
| ANA RIVER NEAR SUMMER LAKE, OR | flow 76.0 ft³/s · STALE | 37 km |
| HONEY CREEK NEAR PLUSH,OREG. | flow 0.20 ft³/s · STALE | 56 km |
| N FORK SPRAGUE RIVER AT POWER PLANT, NEAR BLY, OR | flow 33.0 ft³/s · STALE | 58 km |
| SILVER CREEK NEAR SILVER LAKE, OR | flow 0.90 ft³/s · STALE | 66 km |
| DEEP CREEK ABOVE ADEL,OREG. | flow 11.0 ft³/s · STALE | 74 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 #
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 #
moderate (0.34)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.50 / 0.55
Banks & federal dollars #
$70.2 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $96.5 m federal obligations in FY2026 (direct payments $60.7 m, contracts $31.4 m), $40,037 per covered job
| Item | Value | Distance |
|---|---|---|
| WaFd Bank | $70.2 m · 100.0% share · 1 office | |
| Lake, OR | $96.5 m FY2026 · $40,037/job | |
| MULTIPLE RECIPIENTS | $59.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| WaFd Bank | $70,169,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $49,802,341 |
| Department of Agriculture | $26,310,195 |
| Department of Veterans Affairs | $9,681,672 |
| Department of the Interior | $5,118,723 |
| Department of Transportation | $3,683,700 |
| Department of Health and Human Services | $640,000 |
| Environmental Protection Agency | $530,014 |
| Railroad Retirement Board | $350,019 |
| Federal Communications Commission | $185,152 |
| Department of Education | $138,364 |
| General Services Administration | $49,388 |
| Department of Justice | $0 |
That is $40,037 per covered job, against 2,410 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $96.5 m / 2,410 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,037
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 #
Lake County, OR: 13 findings, 4 at a watch level and 9 noted
watchLake County, OR's typical home value is -4.5% 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 = -4.486343276549359 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLake County, OR's typical home value is -1.3% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI 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: home.momPct = -1.2898374585133647 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchLake County, OR's typical home value of $194,326 scores 36 on the 0-to-100 scale across US counties but 0 across Oregon counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |36 across US counties - 0 across Oregon counties|
position among the entities that published this metric this period; not an official level
watchLake County, OR's years of wages of 3.6 scores 35 on the 0-to-100 scale across US counties but 0 across Oregon counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |35 across US counties - 0 across Oregon counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteLake County, OR's average weekly wage was 7.2% 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
- +7.2 % = 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
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.