El Dorado County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.79, -120.53.
Assembled 2026-10-19. Read the brief.
- 97th pct · 87th of 3,063 US counties · median $230,451
- 66th pct · 20th of 58 California counties · median $494,569
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 28th pct · 2,198th of 3,062 US counties · median +2.9%
- 61st pct · 23rd of 58 California counties · median +0.4%
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 94th pct · 80th of 1,358 US counties · median $1,506
- 55th pct · 22nd of 48 California counties · median $2,448
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 85th pct · 454th of 3,221 US counties · median 8,232
- 45th pct · 32nd of 58 California counties · median 74,865
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 86th pct · 443rd of 3,221 US counties · median $1,039
- 64th pct · 21st of 58 California counties · median $1,206
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 96th pct · 102nd of 3,063 US counties · median 4.2
- 73rd pct · 16th of 58 California counties · median 7.2
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom 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 $648,637 (Sep 2026), +0.8% over one year, +2.3% over five
- 97th pct · 87th of 3,063 US counties · median $230,451
- 66th pct · 20th of 58 California counties · median $494,569
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| El Dorado County, CA | $648,637 · +0.8% 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 $2,498/mo (Sep 2026), +4.4% over one year; price-to-rent 21.6
- 94th pct · 80th of 1,358 US counties · median $1,506
- 55th pct · 22nd of 48 California counties · median $2,448
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| El Dorado County, CA | $2,498/mo · +4.4% 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 $3,593 a month on $648,637 at 7.40%, against an average weekly wage worth $5,720 a month: 62.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $648,637 × 80% = $518,909, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,593/mo principal and interest
- wage share = payment / (avg weekly wage $1,320 × 52 / 12 = $5,720) = 63% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $648,637 / ($1,320 × 52) = 9.4
- price-to-rent = $648,637 / ($2,498 × 12) = 21.6
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 #
58,503 jobs at 7,025 employers (2026 Q1); +0.3% jobs and +2.5% average weekly wage over the year
- 85th pct · 454th of 3,221 US counties · median 8,232
- 45th pct · 32nd of 58 California counties · median 74,865
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| El Dorado County, CA | 58,503 jobs · $1,320/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,621 | $1,188 | 0.98 | +5.1% |
| Accommodation and food services | 7,262 | $670 | 1.38 | -0.3% |
| Retail trade | 6,258 | $794 | 1.10 | -0.5% |
| Construction | 4,999 | $1,643 | 1.63 | -10.3% |
| Administrative and waste services | 3,122 | $1,265 | 0.94 | -1.9% |
| Professional and technical services | 2,780 | $1,882 | 0.69 | +1.3% |
| Manufacturing | 2,625 | $1,430 | 0.56 | +1.7% |
| Arts, entertainment and recreation | 2,541 | $600 | 2.64 | +4.9% |
| Finance and insurance | 2,129 | $3,096 | 0.89 | -4.4% |
| Other services | 2,008 | $901 | 1.15 | +0.5% |
| Real estate and rental | 979 | $1,097 | 1.09 | -2.3% |
| Educational services | 899 | $1,163 | 0.71 | +27.9% |
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 #
19 USGS reservoir gauges, no capacity figures to weight
Sites found: 19, 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.
| Site | Reading | Distance |
|---|---|---|
| DONNER LK NR TRUCKEE CA | 6,801 Acre-ft (USGS, no capacity on file) | 64 km |
| MARLETTE LAKE NR CARSON CITY, NV | 18.3 ft (USGS, no capacity on file) | 69 km |
| DONNELL LK NR DARDANELLE CA | 17,960 Acre-ft (USGS, no capacity on file) | 71 km |
| PROSSER C RES NR TRUCKEE CA | 12,660 Acre-ft (USGS, no capacity on file) | 74 km |
| BEARDSLEY LAKE NEAR STRAWBERRY CA | 54,130 Acre-ft (USGS, no capacity on file) | 76 km |
| BOCA RES NR TRUCKEE CA | 11,810 Acre-ft (USGS, no capacity on file) | 77 km |
| INDEPENDENCE LK NR TRUCKEE CA | 14,920 Acre-ft (USGS, no capacity on file) | 77 km |
| STAMPEDE RES NR BOCA CA | 142,000 Acre-ft (USGS, no capacity on file) | 85 km |
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 #
70 gauges · 0 flooding · 22 with quality panels averaging 100 % · 38 stale
Sites found: 70, 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 |
|---|---|---|
| PILOT C AB STUMPY MEADOWS RES CA | flow 2.74 ft³/s · STALE | 12 km |
| PILOT C BL MUTTON CANYON NR GEORGETOWN CA | flow 2.36 ft³/s · STALE | 18 km |
| SF AMERICAN R NR PILOT HILL CA | temp 12.7 °C · quality 100 % (1) | 41 km |
| DEER C NR CAMERON PARK CA | flow 7.83 ft³/s · STALE | 44 km |
| UPPER TRUCKEE RV AT HWY 50 ABV MEYERS, CA | flow 10.6 ft³/s | 44 km |
| UPPER TRUCKEE RV AT S UPPER TRUCKEE RD NR MEYERS | flow 17.9 ft³/s · STALE | 45 km |
| NF AMERICAN R A NORTH FORK DAM CA | flow 70.8 ft³/s | 46 km |
| ANGORA CK NR MOUTH AT LAKE TAHOE GOLF COURSE | flow 2.10 ft³/s · STALE | 46 km |
| GENERAL C NR MEEKS BAY CA | flow 0.89 ft³/s · quality 100 % (2) | 47 km |
| NF AMERICAN R A AUBURN DAM SITE NR AUBURN CA | temp 15.6 °C · quality 100 % (1) | 47 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 #
17 wells in 0 named aquifers:
Sites found: 17, 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-390744120091910 | depth -0.87 ft · 2016-06-26 | 50 km |
| USGS-390746120091710 | depth -1.69 ft · 2016-06-26 | 50 km |
| USGS-390746120091730 | depth -3.12 ft · 2016-06-26 | 50 km |
| USGS-390751120091110 | depth -1.45 ft · 2016-06-26 | 51 km |
| USGS-390752120091214 | depth -0.72 ft · 2020-10-06 | 51 km |
| USGS-390752120091204 | depth -0.62 ft · 2020-10-06 | 51 km |
| USGS-390752120091203 | depth 0.60 ft · 2020-10-06 | 51 km |
| USGS-390752120091202 | depth 1.55 ft · 2020-10-06 | 51 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 #
$4.1 bn in deposits at 36 offices of 9 banks (SOD June 2026); HHI 1,791, moderately concentrated. $1.4 bn federal obligations in FY2026 (direct payments $1.3 bn, grants $51.6 m), $24,557 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $1.1 bn · 27.7% share · 7 offices | |
| El Dorado Savings Bank, F.S.B. | $747.7 m · 18.3% share · 10 offices | |
| JPMorgan Chase Bank, National Association | $713.7 m · 17.4% share · 5 offices | |
| El Dorado, CA | $1.4 bn FY2026 · $24,557/job | |
| MULTIPLE RECIPIENTS | $1.3 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $1,133,962,000 | 27.7% | 7 |
| El Dorado Savings Bank, F.S.B. | $747,691,000 | 18.3% | 10 |
| JPMorgan Chase Bank, National Association | $713,700,000 | 17.4% | 5 |
| Bank of America, National Association | $591,883,000 | 14.5% | 5 |
| U.S. Bank National Association | $473,616,000 | 11.6% | 3 |
| Columbia Bank | $226,002,000 | 5.5% | 3 |
| BMO Bank National Association | $103,811,000 | 2.5% | 1 |
| Mechanics Bank | $64,621,000 | 1.6% | 1 |
| River City Bank | $35,190,000 | 0.9% | 1 |
Deposit concentration is 1,791 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 27.7² + 18.3² + 17.4² + … (6 more) = 1,791
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 | $1,198,728,712 |
| Department of Veterans Affairs | $123,592,633 |
| Department of Transportation | $39,190,148 |
| Department of Agriculture | $26,254,535 |
| Department of Defense | $16,806,166 |
| Department of Health and Human Services | $11,019,051 |
| Department of Housing and Urban Development | $9,182,379 |
| Railroad Retirement Board | $3,832,404 |
| Department of Education | $3,823,474 |
| Federal Communications Commission | $1,813,543 |
| Department of Justice | $909,880 |
| Environmental Protection Agency | $571,668 |
That is $24,557 per covered job, against 58,503 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.4 bn / 58,503 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,557
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 #
El Dorado County, CA: 14 findings, 5 at a watch level and 9 noted
watchEl Dorado County, CA's years of wages of 9.4 ranks 102nd 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 = 96.70150228608753 >= 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
watchEl Dorado County, CA's covered employment of 58,503 scores 86 on the 0-to-100 scale across US counties but 46 across California counties, a gap of 40 points.
Period 2026 Q1.Show the arithmetic
- 40 = |86 across US counties - 46 across California counties|
position among the entities that published this metric this period; not an official level
watchEl Dorado County, CA's typical asking rent of $2,498 scores 94 on the 0-to-100 scale across US counties but 55 across California counties, a gap of 39 points.
Period 2026-09.Show the arithmetic
- 39 = |94 across US counties - 55 across California counties|
position among the entities that published this metric this period; not an official level
watchEl Dorado County, CA's typical home value of +0.8% scores 28 on the 0-to-100 scale across US counties but 61 across California counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |28 across US counties - 61 across California counties|
position among the entities that published this metric this period; not an official level
watchEl Dorado County, CA's typical home value of $648,637 scores 97 on the 0-to-100 scale across US counties but 67 across California counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |97 across US counties - 67 across California counties|
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.