York County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.92, -76.73.
Assembled 2026-10-19. Read the brief.
- 71st pct · 865th of 3,063 US counties · median $230,451
- 78th pct · 15th of 67 Pennsylvania counties · median $231,558
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
- 57th pct · 1,316th of 3,062 US counties · median +2.9%
- 51st pct · 33rd of 67 Pennsylvania counties · median +3.3%
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
- 38th pct · 840th of 1,358 US counties · median $1,506
- 58th pct · 21st of 49 Pennsylvania counties · median $1,322
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
- 94th pct · 182nd of 3,221 US counties · median 8,232
- 86th pct · 10th of 67 Pennsylvania counties · median 27,809
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
- 85th pct · 470th of 3,221 US counties · median $1,039
- 81st pct · 13th of 67 Pennsylvania counties · median $1,102
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
- 56th pct · 1,321st of 3,063 US counties · median 4.2
- 65th pct · 24th of 67 Pennsylvania counties · median 3.7
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover 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 $309,136 (Sep 2026), +3.4% over one year, +32.8% over five
- 71st pct · 865th of 3,063 US counties · median $230,451
- 78th pct · 15th of 67 Pennsylvania counties · median $231,558
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| York County, PA | $309,136 · +3.4% 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 $1,380/mo (Sep 2026), +4.2% over one year; price-to-rent 18.7
- 38th pct · 840th of 1,358 US counties · median $1,506
- 58th pct · 21st of 49 Pennsylvania counties · median $1,322
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| York County, PA | $1,380/mo · +4.2% 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 $1,712 a month on $309,136 at 7.40%, against an average weekly wage worth $5,659 a month: 30.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $309,136 × 80% = $247,309, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,712/mo principal and interest
- wage share = payment / (avg weekly wage $1,306 × 52 / 12 = $5,659) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $309,136 / ($1,306 × 52) = 4.6
- price-to-rent = $309,136 / ($1,380 × 12) = 18.7
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 #
183,070 jobs at 9,503 employers (2026 Q1); +0.7% jobs and +2.4% average weekly wage over the year
- 94th pct · 182nd of 3,221 US counties · median 8,232
- 86th pct · 10th of 67 Pennsylvania counties · median 27,809
- counties in the York-Hanover metro: Rank context is unavailable: the manifest lists 1 counties in the York-Hanover metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| York County, PA | 183,070 jobs · $1,306/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 31,748 | $1,542 | 2.16 | -0.8% |
| Health care and social assistance | 29,104 | $1,506 | 1.06 | +5.2% |
| Retail trade | 19,694 | $695 | 1.10 | -1.0% |
| Transportation and warehousing | 13,785 | $1,033 | 1.79 | -1.3% |
| Accommodation and food services | 13,533 | $431 | 0.82 | +0.7% |
| Construction | 11,519 | $1,640 | 1.20 | +1.3% |
| Administrative and waste services | 7,958 | $901 | 0.76 | +8.5% |
| Professional and technical services | 7,352 | $1,766 | 0.58 | +0.9% |
| Other services | 6,384 | $803 | 1.17 | -3.6% |
| Wholesale trade | 6,232 | $1,512 | 0.89 | -2.7% |
| Management of companies | 3,661 | $2,154 | 1.19 | -0.1% |
| Finance and insurance | 3,322 | $2,064 | 0.45 | +0.2% |
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 #
5 USGS reservoir gauges, no capacity figures to weight
Sites found: 5, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-01574700 | 373.2 ft (USGS, no capacity on file) | 2 km |
| Blue Marsh Lake near Bernville, PA | 288.1 ft (USGS, no capacity on file) | 78 km |
| USGS-01563100 | 786.1 ft (USGS, no capacity on file) | 123 km |
| Beltzville Lake near Parryville, PA | 628.1 ft (USGS, no capacity on file) | 138 km |
| USGS-01547480 | 630.1 ft (USGS, no capacity on file) | 146 km |
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 #
162 gauges · 0 flooding · 37 with quality panels averaging 99 % · 61 stale
Sites found: 162, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-01589485 | flow -17.6 ft³/s · quality 80 % (5) · STALE | 72 km |
| USGS-01575000 | flow 13.0 ft³/s · STALE | 2 km |
| USGS-01575500 | flow 76.8 ft³/s | 4 km |
| USGS-01575585 | flow 198.0 ft³/s · STALE | 11 km |
| USGS-01574500 | flow 13.9 ft³/s | 12 km |
| USGS-01575598 | flow 152.0 ft³/s · quality 100 % (3) | 16 km |
| USGS-01574000 | flow 200.0 ft³/s · quality 100 % (3) | 18 km |
| USGS-01576007 | flow 25.4 ft³/s · quality 100 % (5) | 19 km |
| USGS-01576045 | flow 5.81 ft³/s · quality 100 % (3) | 20 km |
| USGS-01576003 | turb. 35.4 FNU · quality 90 % (5) | 22 km |
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 #
76 wells in 0 named aquifers:
Sites found: 76, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-395855076401701 | depth 20.5 ft · 1977-06-17 | 8 km |
| USGS-394937076390701 | depth 22.4 ft · 2005-09-29 | 12 km |
| USGS-400320076451501 | depth 18.7 ft · 1995-04-25 | 15 km |
| USGS-394445076353401 | depth 6.49 ft · 1991-10-22 | 23 km |
| USGS-394443076353701 | depth 5.70 ft · 1991-10-22 | 23 km |
| USGS-394446076352901 | depth 17.4 ft · 1991-10-22 | 23 km |
| USGS-394444076353301 | depth 16.6 ft · 1991-10-22 | 23 km |
| USGS-394442076353501 | depth 15.6 ft · 1991-11-05 | 23 km |
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 + 0.2×0.01 / 0.55
Banks & federal dollars #
$9.4 bn in deposits at 91 offices of 15 banks (SOD June 2026); HHI 1,477, moderately concentrated. $4.9 bn federal obligations in FY2026 (direct payments $2.8 bn, contracts $1.9 bn), $26,769 per covered job
| Item | Value | Distance |
|---|---|---|
| Manufacturers and Traders Trust Company | $2.7 bn · 28.1% share · 24 offices | |
| Orrstown Bank | $1.4 bn · 14.6% share · 14 offices | |
| Fulton Bank, National Association | $1.3 bn · 13.4% share · 7 offices | |
| York, PA | $4.9 bn FY2026 · $26,769/job | |
| MULTIPLE RECIPIENTS | $2.8 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $2,650,299,000 | 28.1% | 24 |
| Orrstown Bank | $1,374,205,000 | 14.6% | 14 |
| Fulton Bank, National Association | $1,260,845,000 | 13.4% | 7 |
| Truist Bank | $904,835,000 | 9.6% | 10 |
| ACNB Bank | $772,021,000 | 8.2% | 9 |
| PNC Bank, National Association | $695,662,000 | 7.4% | 4 |
| Wells Fargo Bank, National Association | $608,683,000 | 6.4% | 5 |
| Santander Bank, N.A. | $453,669,000 | 4.8% | 5 |
| First National Bank of Pennsylvania | $393,084,000 | 4.2% | 5 |
| Citizens Bank, National Association | $170,056,000 | 1.8% | 1 |
Deposit concentration is 1,477 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 28.1² + 14.6² + 13.4² + … (11 more) = 1,477
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 | $2,508,800,383 |
| Department of Defense | $1,839,113,381 |
| Department of Veterans Affairs | $270,499,922 |
| Department of Transportation | $176,731,227 |
| Department of Housing and Urban Development | $27,111,879 |
| Department of Health and Human Services | $21,057,287 |
| Department of Homeland Security | $17,795,321 |
| Railroad Retirement Board | $12,619,136 |
| Department of Education | $12,336,773 |
| Department of Agriculture | $10,030,977 |
| Department of Justice | $2,570,736 |
| Federal Communications Commission | $1,766,168 |
That is $26,769 per covered job, against 183,070 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.9 bn / 183,070 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,769
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 #
York County, PA: 7 findings, 7 noted
noteYork County, PA's average weekly wage was 2.4% 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
- +2.4 % = 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
noteYork 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
noteYork County, PA's typical home value rose 0.4% from $307,879 in August 2026 to $309,136 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (309136.3715063753 - 307879.378081493) / 307879.378081493 × 100
- 309136.3715063753 = Zillow ZHVI, 2026-09
- 307879.378081493 = Zillow ZHVI, 2026-08
noteYork County, PA's covered employment of 183,070 ranks 182nd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering York 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.