Addison County, VT

Home values #

Typical home $421,591 (Sep 2026), +0.5% over one year, +11.1% over five

• 88th pct · 352nd of 3,063 US counties · median $230,451
• 76th pct · 4th of 14 Vermont counties · median $371,639

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
• Vermont 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 $2,335 a month on $421,591 at 7.40%, against an average weekly wage worth $5,222 a month: 44.7% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $421,591 × 80% = $337,273, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,335/mo principal and interest
• wage share = payment / (avg weekly wage $1,205 × 52 / 12 = $5,222) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $421,591 / ($1,205 × 52) = 6.7

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 #

15,182 jobs at 1,796 employers (2026 Q1); -1.6% jobs and +3.1% average weekly wage over the year

• 64th pct · 1,130th of 3,221 US counties · median 8,232
• 46th pct · 8th of 14 Vermont counties · median 15,575

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 #

D0 abnormally dry

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 #

No reservoir gauges within 150 km (or the camera is above the gauge altitude)

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 #

69 gauges · 0 flooding · 10 with quality panels averaging 95 % · 31 stale

Sites found: 69, 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 #

6 wells in 0 named aquifers:

Sites found: 6, 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 (0.02)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.05 / 0.55

Banks & federal dollars #

$824.1 m in deposits at 13 offices of 6 banks (SOD June 2026); HHI 3,373, highly concentrated. $305.3 m federal obligations in FY2026 (direct payments $249.0 m, contracts $43.0 m), $20,109 per covered job

Deposit concentration is 3,373 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 = 54.1² + 12.7² + 9.8² + … (3 more) = 3,373

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.

That is $20,109 per covered job, against 15,182 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $305.3 m / 15,182 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,109

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.

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 #

Addison County, VT: 6 findings, 1 at a watch level and 5 noted

1. watchAddison County, VT's covered employment is -1.6% 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 = -1.6 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. noteAddison County, VT's average weekly wage was 3.1% 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

   • +3.1 % = 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

3. noteAddison County, VT's covered employment was 1.6% 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

   • -1.6 % = 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

4. noteAddison County, VT's typical home value fell 0.5% from $423,515 in August 2026 to $421,591 in September 2026, on Zillow ZHVI.

   Period 2026-09.
   Show the arithmetic

   • -0.5% = (421591.0675637673 - 423514.6361018811) / 423514.6361018811 × 100
   • 421591.0675637673 = Zillow ZHVI, 2026-09
   • 423514.6361018811 = Zillow ZHVI, 2026-08

5. noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Addison County, VT 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 6 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.