Grays Harbor County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.11, -123.83.
Assembled 2026-10-19. Read the brief.
- 73rd pct · 827th of 3,063 US counties · median $230,451
- 13th pct · 34th of 39 Washington counties · median $428,499
- 9th pct · 2,773rd of 3,062 US counties · median +2.9%
- 2nd pct · 38th of 39 Washington counties · median +0.2%
- 47th pct · 708th of 1,358 US counties · median $1,506
- 23rd pct · 21st of 27 Washington counties · median $1,705
- 74th pct · 832nd of 3,221 US counties · median 8,232
- 52nd pct · 19th of 39 Washington counties · median 18,771
- 70th pct · 963rd of 3,221 US counties · median $1,039
- 39th pct · 24th of 39 Washington counties · median $1,237
- 69th pct · 944th of 3,063 US counties · median 4.2
- 15th pct · 33rd of 39 Washington counties · median 6.7
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 $314,086 (Sep 2026), -2.1% over one year, +1.9% over five
- 73rd pct · 827th of 3,063 US counties · median $230,451
- 13th pct · 34th of 39 Washington counties · median $428,499
| Item | Value | Distance |
|---|---|---|
| Grays Harbor County, WA | $314,086 · -2.1% 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 $1,487/mo (Sep 2026), +3.3% over one year; price-to-rent 17.6
- 47th pct · 708th of 1,358 US counties · median $1,506
- 23rd pct · 21st of 27 Washington counties · median $1,705
| Item | Value | Distance |
|---|---|---|
| Grays Harbor County, WA | $1,487/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 $1,740 a month on $314,086 at 7.40%, against an average weekly wage worth $4,979 a month: 34.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $314,086 × 80% = $251,269, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,740/mo principal and interest
- wage share = payment / (avg weekly wage $1,149 × 52 / 12 = $4,979) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $314,086 / ($1,149 × 52) = 5.3
- price-to-rent = $314,086 / ($1,487 × 12) = 17.6
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 #
23,620 jobs at 1,837 employers (2026 Q1); +1.2% jobs and +2.2% average weekly wage over the year
- 74th pct · 832nd of 3,221 US counties · median 8,232
- 52nd pct · 19th of 39 Washington counties · median 18,771
| Item | Value | Distance |
|---|---|---|
| Grays Harbor County, WA | 23,620 jobs · $1,149/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,352 | $975 | 0.94 | +5.2% |
| Retail trade | 2,457 | $815 | 1.07 | -1.5% |
| Accommodation and food services | 2,393 | $549 | 1.13 | -0.4% |
| Manufacturing | 2,305 | $1,257 | 1.21 | -4.9% |
| Construction | 1,451 | $1,401 | 1.17 | +8.2% |
| Administrative and waste services | 704 | $991 | 0.52 | -6.8% |
| Other services | 642 | $651 | 0.91 | +1.9% |
| Finance and insurance | 514 | $1,446 | 0.53 | +1.2% |
| Transportation and warehousing | 483 | $2,056 | 0.49 | +3.4% |
| Professional and technical services | 375 | $1,594 | 0.23 | +2.5% |
| Real estate and rental | 225 | $804 | 0.62 | -9.3% |
| Arts, entertainment and recreation | 180 | $429 | 0.46 | +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.
Water #
Banks & federal dollars #
$1.4 bn in deposits at 22 offices of 7 banks (SOD June 2026); HHI 2,609, highly concentrated. $731.9 m federal obligations in FY2026 (direct payments $617.2 m, contracts $66.6 m), $30,984 per covered job
| Item | Value | Distance |
|---|---|---|
| Timberland Bank | $498.1 m · 34.8% share · 6 offices | |
| Bank of the Pacific | $450.9 m · 31.5% share · 6 offices | |
| 1st Security Bank of Washington | $264.9 m · 18.5% share · 6 offices | |
| Grays Harbor, WA | $731.9 m FY2026 · $30,984/job | |
| MULTIPLE RECIPIENTS | $575.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Timberland Bank | $498,082,000 | 34.8% | 6 |
| Bank of the Pacific | $450,853,000 | 31.5% | 6 |
| 1st Security Bank of Washington | $264,909,000 | 18.5% | 6 |
| Columbia Bank | $88,622,000 | 6.2% | 1 |
| U.S. Bank National Association | $61,172,000 | 4.3% | 1 |
| KeyBank National Association | $44,196,000 | 3.1% | 1 |
| First Interstate Bank | $25,216,000 | 1.8% | 1 |
Deposit concentration is 2,609 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 34.8² + 31.5² + 18.5² + … (4 more) = 2,609
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 | $507,636,795 |
| Department of Veterans Affairs | $65,734,392 |
| Department of the Interior | $53,800,274 |
| Department of Defense | $37,736,539 |
| Department of Transportation | $22,230,044 |
| Department of Housing and Urban Development | $11,252,238 |
| Department of Education | $7,848,674 |
| Environmental Protection Agency | $7,102,252 |
| Department of Commerce | $6,281,830 |
| Department of Agriculture | $3,511,466 |
| Department of Health and Human Services | $2,750,461 |
| Railroad Retirement Board | $2,748,677 |
That is $30,984 per covered job, against 23,620 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $731.9 m / 23,620 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,984
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 #
Grays Harbor County, WA: 16 findings, 6 at a watch level and 10 noted
watchGrays Harbor County, WA's typical home value is -2.1% 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 = -2.1380642615575134 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchGrays Harbor County, WA's typical asking rent is -1.1% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.0667048725577122 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchGrays Harbor County, WA's typical home value of $314,086 scores 73 on the 0-to-100 scale across US counties but 13 across Washington counties, a gap of 60 points.
Period 2026-09.Show the arithmetic
- 60 = |73 across US counties - 13 across Washington counties|
position among the entities that published this metric this period; not an official level
watchGrays Harbor County, WA's price-to-rent ratio of 17.6 scores 55 on the 0-to-100 scale across US counties but 0 across Washington counties, a gap of 55 points.
Period 2026-09.Show the arithmetic
- 55 = |55 across US counties - 0 across Washington counties|
- 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
watchGrays Harbor County, WA's years of wages of 5.3 scores 69 on the 0-to-100 scale across US counties but 16 across Washington counties, a gap of 53 points.
Period 2026-09.Show the arithmetic
- 53 = |69 across US counties - 16 across Washington counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
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.