Lamoille County, VT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.61, -72.63.
Assembled 2026-10-19. Read the brief.
- 93rd pct · 214th of 3,063 US counties · median $230,451
- 92nd pct · 2nd of 14 Vermont counties · median $371,639
- 28th pct · 2,189th of 3,062 US counties · median +2.9%
- 30th pct · 10th of 14 Vermont counties · median +1.0%
- 56th pct · 585th of 1,358 US counties · median $1,506
- 25th pct · 7th of 9 Vermont counties · median $1,741
- 61st pct · 1,252nd of 3,221 US counties · median 8,232
- 38th pct · 9th of 14 Vermont counties · median 15,575
- 72nd pct · 878th of 3,221 US counties · median $1,039
- 46th pct · 8th of 14 Vermont counties · median $1,183
- 93rd pct · 205th of 3,063 US counties · median 4.2
- 92nd pct · 2nd of 14 Vermont counties · median 5.8
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 $489,639 (Sep 2026), +0.9% over one year, +7.8% over five
- 93rd pct · 214th of 3,063 US counties · median $230,451
- 92nd pct · 2nd of 14 Vermont counties · median $371,639
| Item | Value | Distance |
|---|---|---|
| Lamoille County, VT | $489,639 · +0.9% 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 $1,589/mo (Sep 2026), +3.3% over one year; price-to-rent 25.7
- 56th pct · 585th of 1,358 US counties · median $1,506
- 25th pct · 7th of 9 Vermont counties · median $1,741
| Item | Value | Distance |
|---|---|---|
| Lamoille County, VT | $1,589/mo · +3.3% 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 $2,712 a month on $489,639 at 7.40%, against an average weekly wage worth $5,070 a month: 53.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $489,639 × 80% = $391,711, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,712/mo principal and interest
- wage share = payment / (avg weekly wage $1,170 × 52 / 12 = $5,070) = 53% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $489,639 / ($1,170 × 52) = 8.0
- price-to-rent = $489,639 / ($1,589 × 12) = 25.7
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 #
12,865 jobs at 1,547 employers (2026 Q1); +0.5% jobs and +2.8% average weekly wage over the year
- 61st pct · 1,252nd of 3,221 US counties · median 8,232
- 38th pct · 9th of 14 Vermont counties · median 15,575
| Item | Value | Distance |
|---|---|---|
| Lamoille County, VT | 12,865 jobs · $1,170/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 3,754 | $841 | 3.25 | +2.3% |
| Health care and social assistance | 1,671 | $1,375 | 0.86 | +1.0% |
| Retail trade | 1,564 | $750 | 1.25 | +1.7% |
| Construction | 795 | $1,207 | 1.18 | -3.4% |
| Professional and technical services | 494 | $3,161 | 0.56 | -4.1% |
| Administrative and waste services | 373 | $1,446 | 0.51 | +2.8% |
| Other services | 324 | $991 | 0.84 | +0.0% |
| Finance and insurance | 252 | $2,708 | 0.48 | -2.3% |
| Educational services | 218 | $804 | 0.79 | -4.0% |
| Real estate and rental | 172 | $1,094 | 0.87 | -8.0% |
| Arts, entertainment and recreation | 147 | $697 | 0.69 | -2.6% |
| Wholesale trade | 137 | $1,839 | 0.28 | -8.1% |
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 #
D1 moderate drought
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$945.0 m in deposits at 10 offices of 5 banks (SOD June 2026); HHI 4,187, highly concentrated. $157.6 m federal obligations in FY2026 (direct payments $149.7 m, grants $7.5 m), $12,250 per covered job
| Item | Value | Distance |
|---|---|---|
| Union Bank | $528.2 m · 55.9% share · 4 offices | |
| TD Bank, National Association | $298.6 m · 31.6% share · 2 offices | |
| Manufacturers and Traders Trust Company | $66.6 m · 7.0% share · 2 offices | |
| Lamoille, VT | $157.6 m FY2026 · $12,250/job | |
| MULTIPLE RECIPIENTS | $147.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Union Bank | $528,246,000 | 55.9% | 4 |
| TD Bank, National Association | $298,576,000 | 31.6% | 2 |
| Manufacturers and Traders Trust Company | $66,577,000 | 7.0% | 2 |
| Community Bank, National Association | $29,599,000 | 3.1% | 1 |
| Community National Bank | $22,049,000 | 2.3% | 1 |
Deposit concentration is 4,187 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 55.9² + 31.6² + 7.0² + … (2 more) = 4,187
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 | $136,386,902 |
| Department of Veterans Affairs | $10,256,686 |
| Department of Transportation | $5,621,119 |
| Department of Health and Human Services | $1,925,015 |
| Department of Agriculture | $1,501,528 |
| Department of Housing and Urban Development | $891,983 |
| General Services Administration | $367,840 |
| Federal Communications Commission | $356,836 |
| Railroad Retirement Board | $280,743 |
| Small Business Administration | $3,881 |
| Department of Defense | $1,300 |
| Department of the Interior | $0 |
That is $12,250 per covered job, against 12,865 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $157.6 m / 12,865 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,250
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 · % | 73.84 | 2026-10-19 | not published |
| 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 #
Lamoille County, VT: 16 findings, 6 at a watch level and 10 noted
watchLamoille County, VT's price-to-rent ratio of 25.7 ranks 77th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 94.39941046425939 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchLamoille County, VT's years of wages of 8.0 ranks 205th 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 = 93.33768778576093 >= 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
watchLamoille County, VT's price-to-rent ratio is 25.7, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 25.680378410211695 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchLamoille County, VT's typical asking rent rose 5.5% from $1,505 in August 2026 to $1,589 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +5.5% = (1588.888888888889 - 1505.4279472164505) / 1505.4279472164505 × 100
- 1588.888888888889 = Zillow ZORI, 2026-09
- 1505.4279472164505 = Zillow ZORI, 2026-08
watchLamoille County, VT's momentum index of 0.24 scores 52 on the 0-to-100 scale across US counties but 92 across Vermont counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |52 across US counties - 92 across Vermont counties|
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
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.