Washington County, RI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.40, -71.62.
Assembled 2026-10-19. Read the brief.
- 97th pct · 74th of 3,063 US counties · median $230,451
- 75th pct · 2nd of 5 Rhode Island counties · median $650,424
- 80th pct · 2nd of 6 counties in the Providence-Warwick metro · median $598,058
- 81st pct · 576th of 3,062 US counties · median +2.9%
- 75th pct · 2nd of 5 Rhode Island counties · median +4.4%
- 80th pct · 2nd of 6 counties in the Providence-Warwick metro · median +4.0%
- 93rd pct · 86th of 1,358 US counties · median $1,506
- 50th pct · 3rd of 5 Rhode Island counties · median $2,460
- 60th pct · 3rd of 6 counties in the Providence-Warwick metro · median $2,326
- 85th pct · 461st of 3,221 US counties · median 8,232
- 50th pct · 3rd of 5 Rhode Island counties · median 57,458
- 40th pct · 4th of 6 counties in the Providence-Warwick metro · median 66,158
- 85th pct · 480th of 3,221 US counties · median $1,039
- 25th pct · 4th of 5 Rhode Island counties · median $1,319
- 20th pct · 5th of 6 counties in the Providence-Warwick metro · median $1,323
- 97th pct · 78th of 3,063 US counties · median 4.2
- 100th pct · 1st of 5 Rhode Island counties · median 9.9
- 100th pct · 1st of 6 counties in the Providence-Warwick metro · median 8.9
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 $683,840 (Sep 2026), +5.9% over one year, +38.3% over five
- 97th pct · 74th of 3,063 US counties · median $230,451
- 75th pct · 2nd of 5 Rhode Island counties · median $650,424
- 80th pct · 2nd of 6 counties in the Providence-Warwick metro · median $598,058
| Item | Value | Distance |
|---|---|---|
| Washington County, RI | $683,840 · +5.9% 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 $2,460/mo (Sep 2026), +5.4% over one year; price-to-rent 23.2
- 93rd pct · 86th of 1,358 US counties · median $1,506
- 50th pct · 3rd of 5 Rhode Island counties · median $2,460
- 60th pct · 3rd of 6 counties in the Providence-Warwick metro · median $2,326
| Item | Value | Distance |
|---|---|---|
| Washington County, RI | $2,460/mo · +5.4% 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 $3,788 a month on $683,840 at 7.40%, against an average weekly wage worth $5,646 a month: 67.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $683,840 × 80% = $547,072, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,788/mo principal and interest
- wage share = payment / (avg weekly wage $1,303 × 52 / 12 = $5,646) = 67% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $683,840 / ($1,303 × 52) = 10.1
- price-to-rent = $683,840 / ($2,460 × 12) = 23.2
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 #
57,458 jobs at 5,919 employers (2026 Q1); +1.8% jobs and +2.8% average weekly wage over the year
- 85th pct · 461st of 3,221 US counties · median 8,232
- 50th pct · 3rd of 5 Rhode Island counties · median 57,458
- 40th pct · 4th of 6 counties in the Providence-Warwick metro · median 66,158
| Item | Value | Distance |
|---|---|---|
| Washington County, RI | 57,458 jobs · $1,303/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 13,065 | $1,552 | 2.83 | +7.2% |
| Health care and social assistance | 7,128 | $1,147 | 0.82 | -0.7% |
| Retail trade | 6,309 | $767 | 1.13 | -2.0% |
| Accommodation and food services | 5,913 | $553 | 1.15 | +6.2% |
| Professional and technical services | 2,101 | $2,305 | 0.53 | -1.2% |
| Administrative and waste services | 1,885 | $1,137 | 0.58 | -6.2% |
| Other services | 1,705 | $865 | 0.99 | +1.4% |
| Wholesale trade | 1,535 | $2,317 | 0.70 | +4.4% |
| Transportation and warehousing | 1,522 | $1,038 | 0.63 | +5.8% |
| Arts, entertainment and recreation | 1,219 | $739 | 1.29 | +1.3% |
| Finance and insurance | 1,126 | $2,535 | 0.48 | +0.0% |
| Real estate and rental | 1,065 | $833 | 1.21 | +0.0% |
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 #
$5.9 bn in deposits at 31 offices of 9 banks (SOD June 2026); HHI 3,841, highly concentrated. $1.2 bn federal obligations in FY2026 (direct payments $1.0 bn, grants $159.1 m), $21,685 per covered job
| Item | Value | Distance |
|---|---|---|
| The Washington Trust Company, of Westerly | $3.4 bn · 58.3% share · 10 offices | |
| Citizens Bank, National Association | $990.2 m · 16.8% share · 6 offices | |
| Bank of America, National Association | $616.2 m · 10.4% share · 3 offices | |
| Washington, RI | $1.2 bn FY2026 · $21,685/job | |
| MULTIPLE RECIPIENTS | $977.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Washington Trust Company, of Westerly | $3,445,732,000 | 58.3% | 10 |
| Citizens Bank, National Association | $990,168,000 | 16.8% | 6 |
| Bank of America, National Association | $616,225,000 | 10.4% | 3 |
| Beacon Bank and Trust | $312,747,000 | 5.3% | 4 |
| BankNewport | $197,609,000 | 3.3% | 2 |
| Santander Bank, N.A. | $106,764,000 | 1.8% | 1 |
| Centreville Bank | $104,752,000 | 1.8% | 2 |
| JPMorgan Chase Bank, National Association | $73,165,000 | 1.2% | 2 |
| Dime Bank | $59,637,000 | 1.0% | 1 |
Deposit concentration is 3,841 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 58.3² + 16.8² + 10.4² + … (6 more) = 3,841
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 | $906,333,254 |
| Department of Veterans Affairs | $68,990,410 |
| Department of Commerce | $45,566,258 |
| Department of Transportation | $45,520,046 |
| Department of Defense | $43,358,425 |
| Department of Health and Human Services | $28,024,893 |
| National Science Foundation | $27,771,586 |
| Department of Housing and Urban Development | $23,868,332 |
| Department of Education | $14,346,129 |
| Department of Agriculture | $8,208,041 |
| Department of Homeland Security | $8,141,769 |
| Department of Labor | $7,508,219 |
That is $21,685 per covered job, against 57,458 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.2 bn / 57,458 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,685
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 #
Washington County, RI: 20 findings, 5 at a watch level and 15 noted
watchWashington County, RI's years of wages of 10.1 ranks 78th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 97.48530372305683 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchWashington County, RI's years of wages is 10.1, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 10.092683406314594 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchWashington County, RI's average weekly wage of $1,303 scores 85 on the 0-to-100 scale across US counties but 25 across Rhode Island counties, a gap of 60 points.
Period 2026 Q1.Show the arithmetic
- 60 = |85 across US counties - 25 across Rhode Island counties|
position among the entities that published this metric this period; not an official level
watchWashington County, RI's typical asking rent of $2,460 scores 94 on the 0-to-100 scale across US counties but 50 across Rhode Island counties, a gap of 44 points.
Period 2026-09.Show the arithmetic
- 44 = |94 across US counties - 50 across Rhode Island counties|
position among the entities that published this metric this period; not an official level
watchWashington County, RI's covered employment of 57,458 scores 86 on the 0-to-100 scale across US counties but 50 across Rhode Island counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |86 across US counties - 50 across Rhode Island counties|
position among the entities that published this metric this period; not an official level
Read all 12 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.