Montour County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.03, -76.67.
Assembled 2026-10-19. Read the brief.
- 64th pct · 1,085th of 3,063 US counties · median $230,451
- 68th pct · 22nd of 67 Pennsylvania counties · median $231,558
- 67th pct · 995th of 3,062 US counties · median +2.9%
- 74th pct · 18th of 67 Pennsylvania counties · median +3.3%
- 44th pct · 759th of 1,358 US counties · median $1,506
- 64th pct · 18th of 49 Pennsylvania counties · median $1,322
- 68th pct · 1,022nd of 3,221 US counties · median 8,232
- 39th pct · 41st of 67 Pennsylvania counties · median 27,809
- 97th pct · 87th of 3,221 US counties · median $1,039
- 96th pct · 3rd of 67 Pennsylvania counties · median $1,102
- 19th pct · 2,460th of 3,063 US counties · median 4.2
- 25th pct · 50th 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 $276,877 (Sep 2026), +4.3% over one year, +18.2% over five
- 64th pct · 1,085th of 3,063 US counties · median $230,451
- 68th pct · 22nd of 67 Pennsylvania counties · median $231,558
| Item | Value | Distance |
|---|---|---|
| Montour County, PA | $276,877 · +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 $1,440/mo (Sep 2026), +16.9% over one year; price-to-rent 16.0
- 44th pct · 759th of 1,358 US counties · median $1,506
- 64th pct · 18th of 49 Pennsylvania counties · median $1,322
| Item | Value | Distance |
|---|---|---|
| Montour County, PA | $1,440/mo · +16.9% 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 $1,534 a month on $276,877 at 7.40%, against an average weekly wage worth $7,852 a month: 19.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $276,877 × 80% = $221,502, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,534/mo principal and interest
- wage share = payment / (avg weekly wage $1,812 × 52 / 12 = $7,852) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $276,877 / ($1,812 × 52) = 2.9
- price-to-rent = $276,877 / ($1,440 × 12) = 16.0
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 #
17,413 jobs at 487 employers (2026 Q1); +1.0% jobs and +4.4% average weekly wage over the year
- 68th pct · 1,022nd of 3,221 US counties · median 8,232
- 39th pct · 41st of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Montour County, PA | 17,413 jobs · $1,812/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,577 | $2,169 | 3.66 | +5.2% |
| Finance and insurance | 1,016 | $1,837 | 1.43 | -15.1% |
| Retail trade | 871 | $810 | 0.51 | +9.4% |
| Accommodation and food services | 587 | $423 | 0.38 | -7.0% |
| Manufacturing | 561 | $1,109 | 0.40 | -19.3% |
| Other services | 309 | $1,115 | 0.59 | -1.9% |
| Professional and technical services | 280 | $1,911 | 0.23 | +4.1% |
| Construction | 145 | $1,025 | 0.16 | +10.7% |
| Transportation and warehousing | 105 | $824 | 0.14 | -8.7% |
| Arts, entertainment and recreation | 70 | $399 | 0.24 | -17.6% |
| Educational services | 44 | $1,125 | 0.12 | +2.3% |
| Information | 16 | $372 | 0.05 | +14.3% |
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 #
$379.8 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 2,996, highly concentrated. $1.8 bn federal obligations in FY2026 (direct payments $1.7 bn, grants $17.2 m), $101,461 per covered job
| Item | Value | Distance |
|---|---|---|
| Fulton Bank, National Association | $188.1 m · 49.5% share · 2 offices | |
| Journey Bank | $48.2 m · 12.7% share · 1 office | |
| Northwest Bank | $45.6 m · 12.0% share · 1 office | |
| Montour, PA | $1.8 bn FY2026 · $101,461/job | |
| MULTIPLE RECIPIENTS | $1.7 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fulton Bank, National Association | $188,097,000 | 49.5% | 2 |
| Journey Bank | $48,187,000 | 12.7% | 1 |
| Northwest Bank | $45,629,000 | 12.0% | 1 |
| Manufacturers and Traders Trust Company | $40,690,000 | 10.7% | 1 |
| First Commonwealth Bank | $37,315,000 | 9.8% | 1 |
| First Keystone Community Bank | $19,916,000 | 5.2% | 1 |
Deposit concentration is 2,996 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 49.5² + 12.7² + 12.0² + … (3 more) = 2,996
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 |
|---|---|
| Department of Health and Human Services | $1,641,080,092 |
| Social Security Administration | $108,972,140 |
| Department of Veterans Affairs | $11,744,856 |
| Department of Transportation | $3,043,825 |
| Department of Housing and Urban Development | $1,916,631 |
| Department of Agriculture | $980,500 |
| Railroad Retirement Board | $213,798 |
| Department of Defense | $14,800 |
| Small Business Administration | $0 |
| Department of Justice | $0 |
| Federal Communications Commission | -$1,232,804 |
That is $101,461 per covered job, against 17,413 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.8 bn / 17,413 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $101,461
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 #
Montour County, PA: 11 findings, 1 at a watch level and 10 noted
watchMontour County, PA's typical asking rent is +16.9% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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: rent.yoyPct = 16.913173374848224 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
noteMontour County, PA's average weekly wage was 4.4% 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
- +4.4 % = 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
noteMontour County, PA's covered employment was 1.0% 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
- +1 % = 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
noteMontour County, PA's typical asking rent fell 0.4% from $1,446 in August 2026 to $1,440 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.4% = (1440.2777777777776 - 1445.6432305447752) / 1445.6432305447752 × 100
- 1440.2777777777776 = Zillow ZORI, 2026-09
- 1445.6432305447752 = Zillow ZORI, 2026-08
noteMontour County, PA's typical home value rose 0.3% from $276,026 in August 2026 to $276,877 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (276877.10667869827 - 276026.1225082323) / 276026.1225082323 × 100
- 276877.10667869827 = Zillow ZHVI, 2026-09
- 276026.1225082323 = 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.