Clarion County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.20, -79.42.
Assembled 2026-10-19. Read the brief.
- 13th pct · 2,654th of 3,063 US counties · median $230,451
- 12th pct · 59th of 67 Pennsylvania counties · median $231,558
- 11th pct · 2,720th of 3,062 US counties · median +2.9%
- 6th pct · 63rd of 67 Pennsylvania counties · median +3.3%
- US counties: not published this period
- Pennsylvania counties: not published this period
- 59th pct · 1,304th of 3,221 US counties · median 8,232
- 18th pct · 55th of 67 Pennsylvania counties · median 27,809
- 28th pct · 2,298th of 3,221 US counties · median $1,039
- 10th pct · 60th of 67 Pennsylvania counties · median $1,102
- 17th pct · 2,519th of 3,063 US counties · median 4.2
- 22nd pct · 52nd of 67 Pennsylvania counties · median 3.7
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 $140,548 (Sep 2026), -1.8% over one year, +13.6% over five
- 13th pct · 2,654th of 3,063 US counties · median $230,451
- 12th pct · 59th of 67 Pennsylvania counties · median $231,558
| Item | Value | Distance |
|---|---|---|
| Clarion County, PA | $140,548 · -1.8% 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
- Pennsylvania 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 $779 a month on $140,548 at 7.40%, against an average weekly wage worth $4,099 a month: 19.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $140,548 × 80% = $112,438, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $779/mo principal and interest
- wage share = payment / (avg weekly wage $946 × 52 / 12 = $4,099) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $140,548 / ($946 × 52) = 2.9
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 #
12,238 jobs at 1,074 employers (2026 Q1); +0.7% jobs and +2.0% average weekly wage over the year
- 59th pct · 1,304th of 3,221 US counties · median 8,232
- 18th pct · 55th of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Clarion County, PA | 12,238 jobs · $946/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,316 | $977 | 1.26 | -5.5% |
| Manufacturing | 1,715 | $1,160 | 1.74 | +6.7% |
| Retail trade | 1,538 | $647 | 1.29 | -0.1% |
| Accommodation and food services | 1,192 | $363 | 1.08 | +4.5% |
| Other services | 620 | $736 | 1.70 | -2.4% |
| Construction | 594 | $1,246 | 0.93 | +17.9% |
| Finance and insurance | 375 | $1,344 | 0.75 | +4.2% |
| Transportation and warehousing | 308 | $865 | 0.60 | -12.3% |
| Administrative and waste services | 242 | $725 | 0.35 | +30.1% |
| Professional and technical services | 220 | $900 | 0.26 | +6.8% |
| Wholesale trade | 196 | $1,178 | 0.42 | -5.8% |
| Mining, oil and gas | 171 | $1,436 | 3.92 | -0.6% |
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 #
$979.9 m in deposits at 15 offices of 6 banks (SOD June 2026); HHI 1,773, moderately concentrated. $256.6 m federal obligations in FY2026 (direct payments $244.6 m, grants $11.3 m), $20,965 per covered job
| Item | Value | Distance |
|---|---|---|
| First United National Bank | $218.8 m · 22.3% share · 3 offices | |
| S&T Bank | $199.9 m · 20.4% share · 2 offices | |
| Clarion County Community Bank | $180.0 m · 18.4% share · 3 offices | |
| Clarion, PA | $256.6 m FY2026 · $20,965/job | |
| MULTIPLE RECIPIENTS | $238.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United National Bank | $218,806,000 | 22.3% | 3 |
| S&T Bank | $199,935,000 | 20.4% | 2 |
| Clarion County Community Bank | $180,024,000 | 18.4% | 3 |
| Northwest Bank | $145,295,000 | 14.8% | 2 |
| The Farmers National Bank of Canfield | $140,490,000 | 14.3% | 3 |
| PNC Bank, National Association | $95,360,000 | 9.7% | 2 |
Deposit concentration is 1,773 across 6 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 22.3² + 20.4² + 18.4² + … (3 more) = 1,773
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 | $217,066,266 |
| Department of Veterans Affairs | $20,154,110 |
| Department of Transportation | $10,932,546 |
| Department of Housing and Urban Development | $4,201,260 |
| Department of Agriculture | $2,256,556 |
| Railroad Retirement Board | $1,308,450 |
| Federal Communications Commission | $250,124 |
| Department of Health and Human Services | $169,583 |
| Department of Defense | $149,223 |
| Department of Education | $86,983 |
| Small Business Administration | $0 |
That is $20,965 per covered job, against 12,238 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $256.6 m / 12,238 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,965
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 #
Clarion County, PA: 8 findings, 2 at a watch level and 6 noted
watchClarion County, PA's typical home value is -1.8% 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 = -1.764400647873909 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchClarion County, PA's covered employment of 12,238 scores 60 on the 0-to-100 scale across US counties but 18 across Pennsylvania counties, a gap of 41 points.
Period 2026 Q1.Show the arithmetic
- 41 = |60 across US counties - 18 across Pennsylvania counties|
position among the entities that published this metric this period; not an official level
noteClarion County, PA's average weekly wage was 2.0% 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 % = 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
noteClarion County, PA's covered employment was 0.7% 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
- +0.7 % = 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
noteClarion County, PA's typical home value fell 0.5% from $141,216 in August 2026 to $140,548 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.5% = (140547.9785033284 - 141216.47884048373) / 141216.47884048373 × 100
- 140547.9785033284 = Zillow ZHVI, 2026-09
- 141216.47884048373 = Zillow ZHVI, 2026-08
Read all 8 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.