Centre County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.91, -77.85.
Assembled 2026-10-19. Read the brief.
- 79th pct · 615th of 3,063 US counties · median $230,451
- 89th pct · 8th of 67 Pennsylvania counties · median $231,558
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
- 44th pct · 1,699th of 3,062 US counties · median +2.9%
- 36th pct · 43rd of 67 Pennsylvania counties · median +3.3%
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
- 80th pct · 261st of 1,358 US counties · median $1,506
- 91st pct · 5th of 49 Pennsylvania counties · median $1,322
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
- 87th pct · 404th of 3,221 US counties · median 8,232
- 71st pct · 20th of 67 Pennsylvania counties · median 27,809
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
- 83rd pct · 538th of 3,221 US counties · median $1,039
- 74th pct · 18th of 67 Pennsylvania counties · median $1,102
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
- 69th pct · 925th of 3,063 US counties · median 4.2
- 83rd pct · 12th of 67 Pennsylvania counties · median 3.7
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College 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 $351,727 (Sep 2026), +2.4% over one year, +21.0% over five
- 79th pct · 615th of 3,063 US counties · median $230,451
- 89th pct · 8th of 67 Pennsylvania counties · median $231,558
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Centre County, PA | $351,727 · +2.4% 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 $1,947/mo (Sep 2026), +2.1% over one year; price-to-rent 15.1
- 80th pct · 261st of 1,358 US counties · median $1,506
- 91st pct · 5th of 49 Pennsylvania counties · median $1,322
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Centre County, PA | $1,947/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 $1,948 a month on $351,727 at 7.40%, against an average weekly wage worth $5,542 a month: 35.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $351,727 × 80% = $281,381, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,948/mo principal and interest
- wage share = payment / (avg weekly wage $1,279 × 52 / 12 = $5,542) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $351,727 / ($1,279 × 52) = 5.3
- price-to-rent = $351,727 / ($1,947 × 12) = 15.1
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 #
68,570 jobs at 3,682 employers (2026 Q1); +0.3% jobs and +2.5% average weekly wage over the year
- 87th pct · 404th of 3,221 US counties · median 8,232
- 71st pct · 20th of 67 Pennsylvania counties · median 27,809
- counties in the State College metro: Rank context is unavailable: the manifest lists 1 counties in the State College metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Centre County, PA | 68,570 jobs · $1,279/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,012 | $1,301 | 0.97 | +6.4% |
| Accommodation and food services | 7,172 | $436 | 1.16 | +3.3% |
| Retail trade | 6,999 | $646 | 1.05 | -0.1% |
| Manufacturing | 4,376 | $1,354 | 0.79 | +2.4% |
| Professional and technical services | 2,983 | $2,001 | 0.63 | +0.7% |
| Construction | 2,935 | $1,507 | 0.82 | +9.1% |
| Other services | 2,050 | $762 | 1.00 | +2.0% |
| Administrative and waste services | 1,563 | $786 | 0.40 | +3.9% |
| Transportation and warehousing | 1,358 | $882 | 0.47 | +8.6% |
| Finance and insurance | 1,288 | $2,770 | 0.46 | -1.5% |
| Arts, entertainment and recreation | 1,102 | $453 | 0.98 | +28.7% |
| Information | 977 | $2,216 | 0.77 | +1.6% |
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 #
$4.6 bn in deposits at 43 offices of 16 banks (SOD June 2026); HHI 1,344, moderately concentrated. $1.7 bn federal obligations in FY2026 (direct payments $832.7 m, contracts $493.8 m), $24,297 per covered job
| Item | Value | Distance |
|---|---|---|
| PNC Bank, National Association | $1.1 bn · 24.0% share · 5 offices | |
| First National Bank of Pennsylvania | $861.7 m · 18.7% share · 9 offices | |
| Kish Bank | $578.1 m · 12.6% share · 4 offices | |
| Centre, PA | $1.7 bn FY2026 · $24,297/job | |
| THE PENNSYLVANIA STATE UNIVERSITY | $716.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| PNC Bank, National Association | $1,103,604,000 | 24.0% | 5 |
| First National Bank of Pennsylvania | $861,716,000 | 18.7% | 9 |
| Kish Bank | $578,122,000 | 12.6% | 4 |
| Northwest Bank | $462,218,000 | 10.0% | 4 |
| Manufacturers and Traders Trust Company | $321,043,000 | 7.0% | 4 |
| Citizens Bank, National Association | $309,190,000 | 6.7% | 3 |
| Old Dominion National Bank | $230,234,000 | 5.0% | 1 |
| Truist Bank | $190,657,000 | 4.1% | 2 |
| Fulton Bank, National Association | $125,311,000 | 2.7% | 1 |
| CNB Bank | $119,853,000 | 2.6% | 3 |
Deposit concentration is 1,344 across 16 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 24.0² + 18.7² + 12.6² + … (13 more) = 1,344
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 | $642,085,011 |
| Department of Defense | $493,689,983 |
| Department of Education | $113,110,156 |
| Department of Transportation | $96,156,792 |
| Department of Health and Human Services | $90,505,433 |
| Department of Veterans Affairs | $66,446,048 |
| National Science Foundation | $56,399,220 |
| Department of Agriculture | $53,075,386 |
| Department of Energy | $21,194,844 |
| National Aeronautics and Space Administration | $13,746,431 |
| Department of Housing and Urban Development | $8,807,476 |
| Department of the Interior | $4,329,086 |
That is $24,297 per covered job, against 68,570 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.7 bn / 68,570 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,297
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 #
Centre County, PA: 7 findings, 7 noted
noteCentre County, PA's average weekly wage was 2.5% 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
- +2.5 % = 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
noteCentre County, PA's typical asking rent rose 1.1% from $1,926 in August 2026 to $1,947 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.1% = (1947.313190730838 - 1926.2478106742326) / 1926.2478106742326 × 100
- 1947.313190730838 = Zillow ZORI, 2026-09
- 1926.2478106742326 = Zillow ZORI, 2026-08
noteCentre County, PA's covered employment was 0.3% 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
- +0.3 % = 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
noteCentre County, PA's typical asking rent of $1,947 ranks 5th of 49 Pennsylvania counties, against a median of $1,322.
Period 2026-09.Show the arithmetic
- 92 on the 0-to-100 scale across 49 Pennsylvania counties that published rent.latest
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Centre County, PA is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 7 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.