Warren County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.83, -79.30.
Assembled 2026-10-19. Read the brief.
- 12th pct · 2,672nd of 3,063 US counties · median $230,451
- 10th pct · 60th of 67 Pennsylvania counties · median $231,558
- 40th pct · 1,825th of 3,062 US counties · median +2.9%
- 31st pct · 46th of 67 Pennsylvania counties · median +3.3%
- US counties: not published this period
- Pennsylvania counties: not published this period
- 60th pct · 1,283rd of 3,221 US counties · median 8,232
- 21st pct · 53rd of 67 Pennsylvania counties · median 27,809
- 50th pct · 1,587th of 3,221 US counties · median $1,039
- 30th pct · 47th of 67 Pennsylvania counties · median $1,102
- 12th pct · 2,680th of 3,063 US counties · median 4.2
- 13th pct · 58th 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 $139,074 (Sep 2026), +2.1% over one year, +21.7% over five
- 12th pct · 2,672nd of 3,063 US counties · median $230,451
- 10th pct · 60th of 67 Pennsylvania counties · median $231,558
| Item | Value | Distance |
|---|---|---|
| Warren County, PA | $139,074 · +2.1% 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 $770 a month on $139,074 at 7.40%, against an average weekly wage worth $4,511 a month: 17.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $139,074 × 80% = $111,260, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $770/mo principal and interest
- wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $139,074 / ($1,041 × 52) = 2.6
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 #
12,537 jobs at 912 employers (2026 Q1); -3.3% jobs and +4.6% average weekly wage over the year
- 60th pct · 1,283rd of 3,221 US counties · median 8,232
- 21st pct · 53rd of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Warren County, PA | 12,537 jobs · $1,041/wk · -3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,402 | $852 | 1.27 | -2.2% |
| Manufacturing | 2,340 | $1,115 | 2.32 | -2.9% |
| Retail trade | 1,496 | $648 | 1.22 | -4.3% |
| Accommodation and food services | 822 | $340 | 0.73 | -2.6% |
| Finance and insurance | 612 | $2,263 | 1.20 | +0.0% |
| Other services | 501 | $389 | 1.34 | +1.0% |
| Management of companies | 475 | $2,448 | 2.26 | +0.0% |
| Transportation and warehousing | 473 | $975 | 0.90 | -3.1% |
| Professional and technical services | 229 | $1,108 | 0.26 | +0.0% |
| Educational services | 218 | $1,073 | 0.81 | -18.4% |
| Mining, oil and gas | 207 | $917 | 4.64 | +3.5% |
| Construction | 205 | $983 | 0.31 | -14.9% |
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 #
$2.7 bn in deposits at 10 offices of 6 banks (SOD June 2026); HHI 7,975, highly concentrated. $336.6 m federal obligations in FY2026 (direct payments $279.1 m, contracts $33.5 m), $26,849 per covered job
| Item | Value | Distance |
|---|---|---|
| Northwest Bank | $2.4 bn · 89.1% share · 4 offices | |
| PNC Bank, National Association | $147.9 m · 5.5% share · 1 office | |
| CNB Bank | $68.9 m · 2.5% share · 1 office | |
| Warren, PA | $336.6 m FY2026 · $26,849/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Northwest Bank | $2,412,076,000 | 89.1% | 4 |
| PNC Bank, National Association | $147,920,000 | 5.5% | 1 |
| CNB Bank | $68,851,000 | 2.5% | 1 |
| KeyBank National Association | $67,605,000 | 2.5% | 2 |
| Hamlin Bank and Trust Company | $7,308,000 | 0.3% | 1 |
| Woodforest National Bank | $4,436,000 | 0.2% | 1 |
Deposit concentration is 7,975 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 = 89.1² + 5.5² + 2.5² + … (3 more) = 7,975
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 $26,849 per covered job, against 12,537 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $336.6 m / 12,537 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,849
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 #
Warren County, PA: 9 findings, 1 at an alert level, 2 at a watch level and 6 noted
alertWarren County, PA's covered employment is -3.3% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchWarren County, PA's covered employment is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWarren County, PA's covered employment of 12,537 scores 60 on the 0-to-100 scale across US counties but 21 across Pennsylvania counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |60 across US counties - 21 across Pennsylvania counties|
position among the entities that published this metric this period; not an official level
noteWarren County, PA's average weekly wage was 4.6% 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
- +4.6 % = 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
noteWarren County, PA's covered employment was 3.3% 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
- -3.3 % = 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
Read all 9 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.