Grand Isle County, VT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.80, -73.30.
Assembled 2026-10-19. Read the brief.
- 91st pct · 276th of 3,063 US counties · median $230,451
- 84th pct · 3rd of 14 Vermont counties · median $371,639
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
- 64th pct · 1,090th of 3,062 US counties · median +2.9%
- 84th pct · 3rd of 14 Vermont counties · median +1.0%
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Vermont counties: not published this period
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
- 8th pct · 2,946th of 3,221 US counties · median 8,232
- 7th pct · 13th of 14 Vermont counties · median 15,575
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
- 52nd pct · 1,525th of 3,221 US counties · median $1,039
- 7th pct · 13th of 14 Vermont counties · median $1,183
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
- 93rd pct · 185th of 3,063 US counties · median 4.2
- 100th pct · 1st of 14 Vermont counties · median 5.8
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington 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 $452,828 (Sep 2026), +4.0% over one year, +16.9% over five
- 91st pct · 276th of 3,063 US counties · median $230,451
- 84th pct · 3rd of 14 Vermont counties · median $371,639
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Grand Isle County, VT | $452,828 · +4.0% 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
- Vermont counties: not published this period
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
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 $2,508 a month on $452,828 at 7.40%, against an average weekly wage worth $4,550 a month: 55.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $452,828 × 80% = $362,263, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,508/mo principal and interest
- wage share = payment / (avg weekly wage $1,050 × 52 / 12 = $4,550) = 55% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $452,828 / ($1,050 × 52) = 8.3
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 #
1,218 jobs at 308 employers (2026 Q1); +3.3% jobs and +2.2% average weekly wage over the year
- 8th pct · 2,946th of 3,221 US counties · median 8,232
- 7th pct · 13th of 14 Vermont counties · median 15,575
- counties in the Burlington-South Burlington metro: Rank context is unavailable: the manifest lists 3 counties in the Burlington-South Burlington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Grand Isle County, VT | 1,218 jobs · $1,050/wk · +3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 113 | $650 | 0.95 | -13.7% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | withheld | |||
| Management of companies | withheld |
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 #
61 gauges · 0 flooding · 5 with quality panels averaging 100 % · 24 stale
Sites found: 61, 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 |
|---|---|---|
| Lake Champlain at St. Albans Bay Flood Inundation Mapping Site | observation not current | 10 km |
| MILL RIVER AT GEORGIA SHORE RD, NR ST ALBANS, VT | flow 5.76 ft³/s | 13 km |
| JEWETT BROOK AT VT 38, NEAR ST. ALBANS, VT | flow 2.24 ft³/s | 13 km |
| LITTLE CHAZY RIVER NEAR CHAZY NY | flow 49.2 ft³/s | 14 km |
| STONE BRIDGE BROOK NEAR GEORGIA PLAINS, VT | flow 2.00 ft³/s · STALE | 14 km |
| Lake Champlain at Plattsburgh Bay Flood Inundation Mapping site | observation not current | 16 km |
| STEVENS BROOK AT KELLOGG ROAD, NEAR ST. ALBANS, VT | flow 5.26 ft³/s · STALE | 16 km |
| STEVENS BROOK AT LEMNAH DRIVE, AT ST ALBANS, VT | flow 1.77 ft³/s · STALE | 17 km |
| MISSISQUOI RIVER AT SWANTON, VT | flow 780.0 ft³/s · no flooding | 19 km |
| SARANAC RIVER AT PLATTSBURGH NY | flow 1,210 ft³/s · no flooding | 19 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 #
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.
| Site | Reading | Distance |
|---|---|---|
| USGS-445052073350201 | depth 23.4 ft · 2026-10-18 | 23 km |
| USGS-445805073380501 | depth 1.79 ft · 2026-10-18 | 32 km |
| USGS-441644073315101 | depth 18.6 ft · 2026-10-18 | 61 km |
| USGS-445511074103902 | depth 30.8 ft · 2026-10-18 | 70 km |
| USGS-445511074103901 | depth 2.26 ft · 2026-10-18 | 70 km |
| USGS-441834073545601 | depth 9.06 ft · 2026-10-18 | 73 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$51.1 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $65.0 m federal obligations in FY2026 (direct payments $63.4 m, contracts $1.6 m), $53,382 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Bank, National Association | $51.1 m · 100.0% share · 1 office | |
| Grand Isle, VT | $65.0 m FY2026 · $53,382/job | |
| MULTIPLE RECIPIENTS | $62.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Bank, National Association | $51,109,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $57,294,672 |
| Department of Veterans Affairs | $4,606,791 |
| General Services Administration | $1,581,791 |
| Department of Agriculture | $748,330 |
| Railroad Retirement Board | $446,739 |
| Department of Housing and Urban Development | $297,574 |
| Federal Communications Commission | $35,880 |
| Department of Transportation | $3,939 |
| Department of Homeland Security | $3,351 |
| Small Business Administration | $0 |
| Department of Health and Human Services | $0 |
That is $53,382 per covered job, against 1,218 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $65.0 m / 1,218 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $53,382
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 #
Grand Isle County, VT: 12 findings, 2 at a watch level and 10 noted
watchGrand Isle County, VT's years of wages of 8.3 ranks 185th 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 = 93.99085564990203 >= 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
watchGrand Isle County, VT's average weekly wage of $1,050 scores 53 on the 0-to-100 scale across US counties but 8 across Vermont counties, a gap of 45 points.
Period 2026 Q1.Show the arithmetic
- 45 = |53 across US counties - 8 across Vermont counties|
position among the entities that published this metric this period; not an official level
noteGrand Isle County, VT's covered employment was 3.3% 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
- +3.3 % = 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
noteGrand Isle County, VT's average weekly wage was 2.2% 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
- +2.2 % = 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
noteGrand Isle County, VT's covered employment of +3.3% ranks 1st of 14 Vermont counties, against a median of -1.6%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 14 Vermont counties that published jobs.yoy.emp
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.