Clearfield County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.01, -78.48.
Assembled 2026-10-19. Read the brief.
- 15th pct · 2,601st of 3,063 US counties · median $230,451
- 15th pct · 57th of 67 Pennsylvania counties · median $231,558
- 67th pct · 992nd of 3,062 US counties · median +2.9%
- 75th pct · 17th of 67 Pennsylvania counties · median +3.3%
- 5th pct · 1,282nd of 1,358 US counties · median $1,506
- 14th pct · 42nd of 49 Pennsylvania counties · median $1,322
- 77th pct · 735th of 3,221 US counties · median 8,232
- 53rd pct · 32nd of 67 Pennsylvania counties · median 27,809
- 52nd pct · 1,512th of 3,221 US counties · median $1,039
- 31st pct · 46th of 67 Pennsylvania counties · median $1,102
- 13th pct · 2,635th of 3,063 US counties · median 4.2
- 15th pct · 57th 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 $144,352 (Sep 2026), +4.3% over one year, -9.7% over five
- 15th pct · 2,601st of 3,063 US counties · median $230,451
- 15th pct · 57th of 67 Pennsylvania counties · median $231,558
| Item | Value | Distance |
|---|---|---|
| Clearfield County, PA | $144,352 · +4.3% 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 $968/mo (Sep 2026), n/a over one year; price-to-rent 12.4
- 5th pct · 1,282nd of 1,358 US counties · median $1,506
- 14th pct · 42nd of 49 Pennsylvania counties · median $1,322
| Item | Value | Distance |
|---|---|---|
| Clearfield County, PA | $968/mo · n/a 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 $800 a month on $144,352 at 7.40%, against an average weekly wage worth $4,559 a month: 17.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $144,352 × 80% = $115,482, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $800/mo principal and interest
- wage share = payment / (avg weekly wage $1,052 × 52 / 12 = $4,559) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $144,352 / ($1,052 × 52) = 2.6
- price-to-rent = $144,352 / ($968 × 12) = 12.4
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 #
29,051 jobs at 1,993 employers (2026 Q1); -0.4% jobs and +3.6% average weekly wage over the year
- 77th pct · 735th of 3,221 US counties · median 8,232
- 53rd pct · 32nd of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Clearfield County, PA | 29,051 jobs · $1,052/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,383 | $1,197 | 1.46 | +2.0% |
| Retail trade | 4,105 | $666 | 1.45 | -2.5% |
| Transportation and warehousing | 2,622 | $1,164 | 2.14 | -0.3% |
| Manufacturing | 2,583 | $1,164 | 1.11 | -1.3% |
| Accommodation and food services | 2,190 | $363 | 0.84 | +2.5% |
| Other services | 1,404 | $680 | 1.62 | +2.2% |
| Administrative and waste services | 1,088 | $1,049 | 0.66 | -2.9% |
| Management of companies | 775 | $1,495 | 1.59 | +7.3% |
| Finance and insurance | 680 | $1,865 | 0.57 | -1.2% |
| Construction | 660 | $1,140 | 0.43 | +1.4% |
| Wholesale trade | 578 | $1,255 | 0.52 | +4.5% |
| Professional and technical services | 503 | $1,066 | 0.25 | +4.4% |
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 #
$2.9 bn in deposits at 24 offices of 8 banks (SOD June 2026); HHI 3,581, highly concentrated. $551.8 m federal obligations in FY2026 (direct payments $521.5 m, grants $28.7 m), $18,995 per covered job
| Item | Value | Distance |
|---|---|---|
| CNB Bank | $1.6 bn · 57.1% share · 9 offices | |
| First Commonwealth Bank | $262.8 m · 9.2% share · 4 offices | |
| Mid Penn Bank | $255.2 m · 8.9% share · 4 offices | |
| Clearfield, PA | $551.8 m FY2026 · $18,995/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| CNB Bank | $1,629,306,000 | 57.1% | 9 |
| First Commonwealth Bank | $262,797,000 | 9.2% | 4 |
| Mid Penn Bank | $255,182,000 | 8.9% | 4 |
| S&T Bank | $239,375,000 | 8.4% | 1 |
| Northwest Bank | $192,770,000 | 6.8% | 3 |
| PNC Bank, National Association | $161,914,000 | 5.7% | 1 |
| NEXTIER BANK, NATIONAL ASSOCIATION | $77,935,000 | 2.7% | 1 |
| The Farmers National Bank of Canfield | $34,547,000 | 1.2% | 1 |
Deposit concentration is 3,581 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 57.1² + 9.2² + 8.9² + … (5 more) = 3,581
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 #
That is $18,995 per covered job, against 29,051 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $551.8 m / 29,051 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,995
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 #
Clearfield County, PA: 11 findings, 1 at a watch level and 10 noted
watchClearfield County, PA's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteClearfield County, PA's average weekly wage was 3.6% 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
- +3.6 % = 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
noteClearfield County, PA's typical asking rent rose 1.9% from $950 in August 2026 to $968 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.9% = (967.7777777777778 - 950.14895891772) / 950.14895891772 × 100
- 967.7777777777778 = Zillow ZORI, 2026-09
- 950.14895891772 = Zillow ZORI, 2026-08
noteClearfield County, PA's covered employment was 0.4% lower 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
- -0.4 % = 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
noteClearfield County, PA's typical home value fell 0.3% from $144,777 in August 2026 to $144,352 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (144352.27682692517 - 144776.9888682315) / 144776.9888682315 × 100
- 144352.27682692517 = Zillow ZHVI, 2026-09
- 144776.9888682315 = Zillow ZHVI, 2026-08
Read all 11 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.