York County, SC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.97, -81.18.
Assembled 2026-10-19. Read the brief.
- 84th pct · 489th of 3,063 US counties · median $230,451
- 91st pct · 5th of 46 South Carolina counties · median $213,114
- 60th pct · 5th of 11 counties in the Charlotte-Concord-Gastonia metro · median $380,437
- 12th pct · 2,693rd of 3,062 US counties · median +2.9%
- 20th pct · 37th of 46 South Carolina counties · median +1.2%
- 10th pct · 10th of 11 counties in the Charlotte-Concord-Gastonia metro · median -0.3%
- 61st pct · 521st of 1,358 US counties · median $1,506
- 58th pct · 11th of 25 South Carolina counties · median $1,574
- 25th pct · 7th of 9 counties in the Charlotte-Concord-Gastonia metro · median $1,732
- 91st pct · 285th of 3,221 US counties · median 8,232
- 86th pct · 7th of 46 South Carolina counties · median 18,411
- 90th pct · 2nd of 11 counties in the Charlotte-Concord-Gastonia metro · median 79,207
- 85th pct · 470th of 3,221 US counties · median $1,039
- 84th pct · 8th of 46 South Carolina counties · median $1,061
- 70th pct · 4th of 11 counties in the Charlotte-Concord-Gastonia metro · median $1,230
- 75th pct · 758th of 3,063 US counties · median 4.2
- 84th pct · 8th of 46 South Carolina counties · median 4.0
- 60th pct · 5th of 11 counties in the Charlotte-Concord-Gastonia metro · median 5.3
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 $383,056 (Sep 2026), -1.5% over one year, +20.1% over five
- 84th pct · 489th of 3,063 US counties · median $230,451
- 91st pct · 5th of 46 South Carolina counties · median $213,114
- 60th pct · 5th of 11 counties in the Charlotte-Concord-Gastonia metro · median $380,437
| Item | Value | Distance |
|---|---|---|
| York County, SC | $383,056 · -1.5% 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 $1,643/mo (Sep 2026), +2.4% over one year; price-to-rent 19.4
- 61st pct · 521st of 1,358 US counties · median $1,506
- 58th pct · 11th of 25 South Carolina counties · median $1,574
- 25th pct · 7th of 9 counties in the Charlotte-Concord-Gastonia metro · median $1,732
| Item | Value | Distance |
|---|---|---|
| York County, SC | $1,643/mo · +2.4% 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 $2,122 a month on $383,056 at 7.40%, against an average weekly wage worth $5,659 a month: 37.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $383,056 × 80% = $306,445, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,122/mo principal and interest
- wage share = payment / (avg weekly wage $1,306 × 52 / 12 = $5,659) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $383,056 / ($1,306 × 52) = 5.6
- price-to-rent = $383,056 / ($1,643 × 12) = 19.4
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 #
106,414 jobs at 9,088 employers (2026 Q1); +0.8% jobs and +2.8% average weekly wage over the year
- 91st pct · 285th of 3,221 US counties · median 8,232
- 86th pct · 7th of 46 South Carolina counties · median 18,411
- 90th pct · 2nd of 11 counties in the Charlotte-Concord-Gastonia metro · median 79,207
| Item | Value | Distance |
|---|---|---|
| York County, SC | 106,414 jobs · $1,306/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 12,959 | $802 | 1.25 | +1.8% |
| Health care and social assistance | 12,329 | $1,031 | 0.77 | +0.9% |
| Accommodation and food services | 11,753 | $437 | 1.23 | -4.1% |
| Manufacturing | 11,204 | $1,607 | 1.31 | +3.7% |
| Wholesale trade | 4,880 | $2,098 | 1.20 | -3.2% |
| Professional and technical services | 4,841 | $1,931 | 0.66 | -3.8% |
| Administrative and waste services | 4,781 | $1,098 | 0.79 | +0.4% |
| Transportation and warehousing | 4,723 | $1,398 | 1.05 | +4.7% |
| Construction | 4,684 | $1,633 | 0.84 | +1.4% |
| Management of companies | 3,857 | $3,535 | 2.16 | +9.6% |
| Finance and insurance | 3,077 | $2,195 | 0.71 | -0.7% |
| Other services | 3,020 | $898 | 0.95 | -2.8% |
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.
Water #
Banks & federal dollars #
$4.6 bn in deposits at 46 offices of 17 banks (SOD June 2026); HHI 1,308, moderately concentrated. $1.8 bn federal obligations in FY2026 (direct payments $1.7 bn, grants $41.1 m), $16,579 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $994.9 m · 21.6% share · 7 offices | |
| SouthState Bank, National Association | $877.7 m · 19.1% share · 5 offices | |
| Bank of America, National Association | $597.2 m · 13.0% share · 5 offices | |
| York, SC | $1.8 bn FY2026 · $16,579/job | |
| MULTIPLE RECIPIENTS | $1.7 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $994,904,000 | 21.6% | 7 |
| SouthState Bank, National Association | $877,722,000 | 19.1% | 5 |
| Bank of America, National Association | $597,197,000 | 13.0% | 5 |
| First-Citizens Bank & Trust Company | $506,917,000 | 11.0% | 5 |
| Truist Bank | $378,762,000 | 8.2% | 4 |
| TD Bank, National Association | $314,643,000 | 6.8% | 2 |
| Bank of York | $274,231,000 | 6.0% | 4 |
| United Bank | $190,719,000 | 4.1% | 2 |
| First Horizon Bank | $150,012,000 | 3.3% | 1 |
| Fifth Third Bank, National Association | $67,643,000 | 1.5% | 1 |
Deposit concentration is 1,308 across 17 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 17 banks with deposits in the county = 21.6² + 19.1² + 13.0² + … (14 more) = 1,308
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 | $1,405,154,574 |
| Department of Veterans Affairs | $242,091,055 |
| Department of Education | $28,597,281 |
| Department of Housing and Urban Development | $20,425,013 |
| Department of Health and Human Services | $15,318,693 |
| Department of Transportation | $15,153,580 |
| Department of Energy | $13,402,679 |
| Department of Defense | $8,649,633 |
| Railroad Retirement Board | $6,114,427 |
| Department of the Interior | $3,527,718 |
| National Science Foundation | $2,635,947 |
| Department of Agriculture | $2,119,476 |
That is $16,579 per covered job, against 106,414 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.8 bn / 106,414 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,579
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, SC: 12 findings, 1 at a watch level and 11 noted
watchYork County, SC's typical home value is -1.5% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -1.4980773523212243 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteYork County, SC's average weekly wage was 2.8% 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
- +2.8 % = 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, SC's covered employment was 0.8% 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
- +0.8 % = 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, SC's typical home value fell 0.5% from $384,928 in August 2026 to $383,056 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.5% = (383056.30250448384 - 384927.5780353127) / 384927.5780353127 × 100
- 383056.30250448384 = Zillow ZHVI, 2026-09
- 384927.5780353127 = Zillow ZHVI, 2026-08
noteYork County, SC's price-to-rent ratio of 19.4 ranks 3rd of 25 South Carolina counties, against a median of 16.0.
Period 2026-09.Show the arithmetic
- 92 on the 0-to-100 scale across 25 South Carolina counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
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.