Lane County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.93, -122.90.
Assembled 2026-10-19. Read the brief.
- 90th pct · 277th of 3,063 US counties · median $230,451
- 65th pct · 13th of 36 Oregon counties · median $428,005
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
- 29th pct · 2,148th of 3,062 US counties · median +2.9%
- 60th pct · 15th of 36 Oregon counties · median +0.4%
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
- 71st pct · 394th of 1,358 US counties · median $1,506
- 52nd pct · 13th of 26 Oregon counties · median $1,770
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
- 93rd pct · 208th of 3,221 US counties · median 8,232
- 88th pct · 5th of 36 Oregon counties · median 15,683
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
- 77th pct · 734th of 3,221 US counties · median $1,039
- 71st pct · 11th of 36 Oregon counties · median $1,074
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
- 90th pct · 306th of 3,063 US counties · median 4.2
- 57th pct · 16th of 36 Oregon counties · median 6.8
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield 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 $452,807 (Sep 2026), +1.0% over one year, +11.7% over five
- 90th pct · 277th of 3,063 US counties · median $230,451
- 65th pct · 13th of 36 Oregon counties · median $428,005
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lane County, OR | $452,807 · +1.0% 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 $1,771/mo (Sep 2026), +2.1% over one year; price-to-rent 21.3
- 71st pct · 394th of 1,358 US counties · median $1,506
- 52nd pct · 13th of 26 Oregon counties · median $1,770
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lane County, OR | $1,771/mo · +2.1% 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 $2,508 a month on $452,807 at 7.40%, against an average weekly wage worth $5,239 a month: 47.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $452,807 × 80% = $362,246, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,508/mo principal and interest
- wage share = payment / (avg weekly wage $1,209 × 52 / 12 = $5,239) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $452,807 / ($1,209 × 52) = 7.2
- price-to-rent = $452,807 / ($1,771 × 12) = 21.3
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 #
154,787 jobs at 12,605 employers (2026 Q1); -1.5% jobs and +4.1% average weekly wage over the year
- 93rd pct · 208th of 3,221 US counties · median 8,232
- 88th pct · 5th of 36 Oregon counties · median 15,683
- counties in the Eugene-Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Eugene-Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lane County, OR | 154,787 jobs · $1,209/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 30,113 | $1,337 | 1.29 | +1.5% |
| Retail trade | 18,275 | $763 | 1.21 | -2.0% |
| Accommodation and food services | 15,087 | $500 | 1.08 | -0.3% |
| Manufacturing | 13,677 | $1,376 | 1.10 | -2.2% |
| Construction | 6,857 | $1,321 | 0.85 | -2.6% |
| Professional and technical services | 6,235 | $1,567 | 0.58 | -1.1% |
| Administrative and waste services | 6,076 | $912 | 0.69 | -5.7% |
| Wholesale trade | 5,436 | $1,540 | 0.92 | -4.7% |
| Other services | 5,370 | $830 | 1.16 | -1.0% |
| Finance and insurance | 4,019 | $2,363 | 0.64 | -6.5% |
| Management of companies | 3,237 | $1,786 | 1.25 | +1.3% |
| Transportation and warehousing | 3,055 | $1,059 | 0.47 | -7.2% |
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 #
D2 severe 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 |
|---|---|---|
| PROWELL SPRINGS DIVERSION POOL, NEAR BEND, OR | 7.80 ft (USGS, no capacity on file) | 102 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 #
109 gauges · 0 flooding · 83 with quality panels averaging 100 % · 39 stale
Sites found: 109, 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 |
|---|---|---|
| MIDDLE FORK WILLAMETTE RIVER NEAR DEXTER, OR | flow 1,240 ft³/s · quality 100 % (3) | 5 km |
| DEXTER DAM TAILWATER AT DEXTER, OR | stage 637.2 ft | 7 km |
| MIDDLE FORK WILLAMETTE RIVER AT JASPER, OR | flow 1,590 ft³/s · quality 100 % (3) · no flooding | 8 km |
| COAST FORK WILLAMETTE RIVER NEAR GOSHEN, OR | flow 719.0 ft³/s · quality 100 % (1) · no flooding | 8 km |
| FALL CREEK BLW WINBERRY CREEK, NEAR FALL CREEK, OR | flow 200.0 ft³/s · quality 100 % (3) · observation not current | 10 km |
| Reservoir at Lookout Point nr Lowell | no readings | 11 km |
| MF WILLAMETTE R BLW LOOKOUT POINT DAM NR LOWELL OR | turb. 1.10 FNU · quality 100 % (3) | 11 km |
| LOOKOUT POINT DAM TAILWATER NEAR LOWELL, OR | stage 692.7 ft | 12 km |
| CEDAR CREEK AT SPRINGFIELD, OR | flow 4.86 ft³/s · quality 100 % (2) | 15 km |
| CAMP CRK AT CAMP CRK RD BRIDGE, NR SPRINGFIELD, OR | flow 2.25 ft³/s · quality 100 % (4) | 16 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-440341122584002 | depth 10.3 ft · 1998-03-22 | 16 km |
| USGS-440341122584001 | depth 18.8 ft · 1998-12-16 | 16 km |
| USGS-435024123053401 | depth 5.77 ft · 1999-10-03 | 19 km |
| USGS-440951123023501 | depth 6.00 ft · 1999-12-07 | 29 km |
| USGS-441023123044001 | depth 5.46 ft · 1998-07-28 | 31 km |
| USGS-440915123145601 | depth 1.78 ft · 2002-04-10 | 38 km |
| USGS-442455123020101 | depth 75.1 ft · 2002-04-10 | 55 km |
| USGS-442929122504801 | depth 10.2 ft · 1999-07-21 | 63 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$6.8 bn in deposits at 54 offices of 14 banks (SOD June 2026); HHI 1,230, moderately concentrated. $3.5 bn federal obligations in FY2026 (direct payments $3.3 bn, grants $176.7 m), $22,587 per covered job
| Item | Value | Distance |
|---|---|---|
| Columbia Bank | $1.4 bn · 20.5% share · 8 offices | |
| U.S. Bank National Association | $1.2 bn · 17.5% share · 11 offices | |
| Wells Fargo Bank, National Association | $723.7 m · 10.6% share · 4 offices | |
| Lane, OR | $3.5 bn FY2026 · $22,587/job | |
| MULTIPLE RECIPIENTS | $3.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Columbia Bank | $1,399,301,000 | 20.5% | 8 |
| U.S. Bank National Association | $1,198,180,000 | 17.5% | 11 |
| Wells Fargo Bank, National Association | $723,676,000 | 10.6% | 4 |
| Summit Bank | $706,949,000 | 10.3% | 1 |
| JPMorgan Chase Bank, National Association | $646,490,000 | 9.5% | 4 |
| Banner Bank | $584,190,000 | 8.5% | 8 |
| Oregon Pacific Banking Company dba Oregon Pacific Bank | $517,026,000 | 7.6% | 2 |
| Bank of America, National Association | $389,943,000 | 5.7% | 2 |
| KeyBank National Association | $353,996,000 | 5.2% | 6 |
| WaFd Bank | $99,363,000 | 1.5% | 2 |
Deposit concentration is 1,230 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 20.5² + 17.5² + 10.6² + … (11 more) = 1,230
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 | $2,152,885,429 |
| Department of Health and Human Services | $783,898,466 |
| Department of Veterans Affairs | $280,939,205 |
| Department of Education | $70,764,428 |
| Department of Housing and Urban Development | $56,512,562 |
| Department of Transportation | $32,833,666 |
| Department of Agriculture | $29,204,873 |
| Railroad Retirement Board | $23,265,590 |
| Department of Defense | $21,683,452 |
| National Science Foundation | $15,304,048 |
| Environmental Protection Agency | $10,846,836 |
| Department of the Interior | $4,973,001 |
That is $22,587 per covered job, against 154,787 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.5 bn / 154,787 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,587
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 #
Lane County, OR: 12 findings, 5 at a watch level and 7 noted
watchLane County, OR's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLane County, OR's years of wages of 7.2 ranks 306th 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 = 90.03919007184847 >= 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
watchLane County, OR's price-to-rent ratio of 21.3 scores 81 on the 0-to-100 scale across US counties but 40 across Oregon counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |81 across US counties - 40 across Oregon counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchLane County, OR's years of wages of 7.2 scores 90 on the 0-to-100 scale across US counties but 57 across Oregon counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |90 across US counties - 57 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
watchLane County, OR's typical home value of +1.0% scores 30 on the 0-to-100 scale across US counties but 60 across Oregon counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |30 across US counties - 60 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.