Tuolumne County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.02, -119.96.
Assembled 2026-10-20. Read the brief.
- 84th pct · 473rd of 3,063 US counties · median $230,451
- 28th pct · 42nd of 58 California counties · median $494,569
- 13th pct · 2,647th of 3,062 US counties · median +2.9%
- 10th pct · 52nd of 58 California counties · median +0.4%
- 52nd pct · 644th of 1,358 US counties · median $1,506
- 4th pct · 46th of 48 California counties · median $2,448
- 69th pct · 995th of 3,221 US counties · median 8,232
- 28th pct · 42nd of 58 California counties · median 74,865
- 70th pct · 935th of 3,221 US counties · median $1,039
- 36th pct · 37th of 58 California counties · median $1,206
- 83rd pct · 502nd of 3,063 US counties · median 4.2
- 26th pct · 43rd of 58 California counties · median 7.2
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 $385,440 (Sep 2026), -1.2% over one year, -0.2% over five
- 84th pct · 473rd of 3,063 US counties · median $230,451
- 28th pct · 42nd of 58 California counties · median $494,569
| Item | Value | Distance |
|---|---|---|
| Tuolumne County, CA | $385,440 · -1.2% 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 $1,533/mo (Sep 2026), +0.5% over one year; price-to-rent 21.0
- 52nd pct · 644th of 1,358 US counties · median $1,506
- 4th pct · 46th of 48 California counties · median $2,448
| Item | Value | Distance |
|---|---|---|
| Tuolumne County, CA | $1,533/mo · +0.5% 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 $2,135 a month on $385,440 at 7.40%, against an average weekly wage worth $5,005 a month: 42.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $385,440 × 80% = $308,352, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,135/mo principal and interest
- wage share = payment / (avg weekly wage $1,155 × 52 / 12 = $5,005) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $385,440 / ($1,155 × 52) = 6.4
- price-to-rent = $385,440 / ($1,533 × 12) = 21.0
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 #
18,182 jobs at 1,946 employers (2026 Q1); +0.7% jobs and +2.1% average weekly wage over the year
- 69th pct · 995th of 3,221 US counties · median 8,232
- 28th pct · 42nd of 58 California counties · median 74,865
| Item | Value | Distance |
|---|---|---|
| Tuolumne County, CA | 18,182 jobs · $1,155/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,949 | $1,227 | 1.08 | +1.8% |
| Retail trade | 2,058 | $827 | 1.16 | -10.0% |
| Accommodation and food services | 1,893 | $616 | 1.16 | +1.9% |
| Construction | 823 | $1,469 | 0.86 | +9.0% |
| Administrative and waste services | 669 | $1,091 | 0.65 | +6.9% |
| Arts, entertainment and recreation | 592 | $671 | 1.98 | +0.7% |
| Other services | 378 | $783 | 0.70 | -6.2% |
| Finance and insurance | 217 | $1,557 | 0.29 | +0.9% |
| Wholesale trade | 200 | $1,808 | 0.29 | +39.9% |
| Real estate and rental | 174 | $890 | 0.62 | -9.8% |
| Agriculture, forestry, fishing | 167 | $1,205 | 1.27 | +7.1% |
| Educational services | 158 | $766 | 0.40 | +1.3% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.5 bn in deposits at 13 offices of 11 banks (SOD June 2026); HHI 1,487, moderately concentrated. $440.1 m federal obligations in FY2026 (direct payments $416.3 m, contracts $14.8 m), $24,208 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $367.9 m · 24.5% share · 2 offices | |
| Bank of America, National Association | $270.6 m · 18.0% share · 1 office | |
| Oak Valley Community Bank | $258.0 m · 17.2% share · 2 offices | |
| Tuolumne, CA | $440.1 m FY2026 · $24,208/job | |
| MULTIPLE RECIPIENTS | $404.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $367,895,000 | 24.5% | 2 |
| Bank of America, National Association | $270,625,000 | 18.0% | 1 |
| Oak Valley Community Bank | $257,970,000 | 17.2% | 2 |
| Columbia Bank | $162,935,000 | 10.9% | 1 |
| Bank of Stockton | $127,750,000 | 8.5% | 1 |
| U.S. Bank National Association | $66,943,000 | 4.5% | 1 |
| PNC Bank, National Association | $60,999,000 | 4.1% | 1 |
| El Dorado Savings Bank, F.S.B. | $58,209,000 | 3.9% | 1 |
| UMB Bank, National Association | $45,251,000 | 3.0% | 1 |
| Mechanics Bank | $41,719,000 | 2.8% | 1 |
Deposit concentration is 1,487 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 24.5² + 18.0² + 17.2² + … (8 more) = 1,487
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 | $363,766,471 |
| Department of Veterans Affairs | $39,728,587 |
| Department of Agriculture | $15,289,612 |
| Department of Education | $5,438,063 |
| Department of Transportation | $5,257,806 |
| Department of the Interior | $5,020,981 |
| Department of Housing and Urban Development | $1,054,547 |
| Railroad Retirement Board | $1,050,713 |
| Environmental Protection Agency | $1,042,736 |
| Department of Justice | $942,750 |
| Department of Health and Human Services | $929,279 |
| Federal Communications Commission | $413,158 |
That is $24,208 per covered job, against 18,182 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $440.1 m / 18,182 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,208
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 #
Tuolumne County, CA: 14 findings, 6 at a watch level and 8 noted
watchTuolumne County, CA's typical home value is -1.2% 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 = -1.2036393362506854 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchTuolumne County, CA's years of wages of 6.4 scores 84 on the 0-to-100 scale across US counties but 26 across California counties, a gap of 57 points.
Period 2026-09.Show the arithmetic
- 57 = |84 across US counties - 26 across California 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
watchTuolumne County, CA's typical home value of $385,440 scores 85 on the 0-to-100 scale across US counties but 28 across California counties, a gap of 57 points.
Period 2026-09.Show the arithmetic
- 57 = |85 across US counties - 28 across California counties|
position among the entities that published this metric this period; not an official level
watchTuolumne County, CA's typical asking rent of $1,533 scores 53 on the 0-to-100 scale across US counties but 4 across California counties, a gap of 48 points.
Period 2026-09.Show the arithmetic
- 48 = |53 across US counties - 4 across California counties|
position among the entities that published this metric this period; not an official level
watchTuolumne County, CA's covered employment of 18,182 scores 69 on the 0-to-100 scale across US counties but 28 across California counties, a gap of 41 points.
Period 2026 Q1.Show the arithmetic
- 41 = |69 across US counties - 28 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.