York County, ME
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.43, -70.67.
Assembled 2026-10-19. Read the brief.
- 94th pct · 163rd of 3,063 US counties · median $230,451
- 93rd pct · 2nd of 16 Maine counties · median $322,387
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
- 38th pct · 1,895th of 3,062 US counties · median +2.9%
- 60th pct · 7th of 16 Maine counties · median +1.4%
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
- 88th pct · 153rd of 1,358 US counties · median $1,506
- 91st pct · 2nd of 13 Maine counties · median $1,801
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
- 88th pct · 382nd of 3,221 US counties · median 8,232
- 93rd pct · 2nd of 16 Maine counties · median 16,807
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
- 88th pct · 378th of 3,221 US counties · median $1,039
- 93rd pct · 2nd of 16 Maine counties · median $1,117
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
- 90th pct · 277th of 3,063 US counties · median 4.2
- 93rd pct · 2nd of 16 Maine counties · median 5.8
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland 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 $525,406 (Sep 2026), +1.9% over one year, +27.9% over five
- 94th pct · 163rd of 3,063 US counties · median $230,451
- 93rd pct · 2nd of 16 Maine counties · median $322,387
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| York County, ME | $525,406 · +1.9% 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 $2,152/mo (Sep 2026), +2.5% over one year; price-to-rent 20.3
- 88th pct · 153rd of 1,358 US counties · median $1,506
- 91st pct · 2nd of 13 Maine counties · median $1,801
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| York County, ME | $2,152/mo · +2.5% 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 $2,910 a month on $525,406 at 7.40%, against an average weekly wage worth $5,932 a month: 49.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $525,406 × 80% = $420,325, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,910/mo principal and interest
- wage share = payment / (avg weekly wage $1,369 × 52 / 12 = $5,932) = 49% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $525,406 / ($1,369 × 52) = 7.4
- price-to-rent = $525,406 / ($2,152 × 12) = 20.3
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 #
74,075 jobs at 8,430 employers (2026 Q1); -0.7% jobs and +9.1% average weekly wage over the year
- 88th pct · 382nd of 3,221 US counties · median 8,232
- 93rd pct · 2nd of 16 Maine counties · median 16,807
- counties in the Portland-South Portland metro: Rank context is unavailable: the manifest lists 3 counties in the Portland-South Portland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| York County, ME | 74,075 jobs · $1,369/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,647 | $1,156 | 0.96 | +2.5% |
| Retail trade | 9,421 | $774 | 1.31 | +0.1% |
| Manufacturing | 8,497 | $1,649 | 1.43 | +0.2% |
| Accommodation and food services | 7,862 | $631 | 1.18 | -1.7% |
| Professional and technical services | 3,036 | $2,154 | 0.59 | -6.9% |
| Administrative and waste services | 1,961 | $1,060 | 0.47 | +1.6% |
| Other services | 1,940 | $869 | 0.88 | -0.1% |
| Finance and insurance | 1,659 | $2,126 | 0.55 | +4.2% |
| Educational services | 1,548 | $1,133 | 0.97 | -6.4% |
| Transportation and warehousing | 1,378 | $1,078 | 0.44 | -0.8% |
| Wholesale trade | 1,365 | $1,935 | 0.48 | -2.2% |
| Arts, entertainment and recreation | 1,033 | $756 | 0.85 | +7.7% |
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 #
$5.8 bn in deposits at 61 offices of 13 banks (SOD June 2026); HHI 1,285, moderately concentrated. $1.9 bn federal obligations in FY2026 (direct payments $1.6 bn, contracts $261.6 m), $25,520 per covered job
| Item | Value | Distance |
|---|---|---|
| Kennebunk Savings Bank | $1.3 bn · 22.9% share · 12 offices | |
| Saco & Biddeford Savings Institution | $775.6 m · 13.3% share · 3 offices | |
| Manufacturers and Traders Trust Company | $762.7 m · 13.1% share · 8 offices | |
| York, ME | $1.9 bn FY2026 · $25,520/job | |
| MULTIPLE RECIPIENTS | $1.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Kennebunk Savings Bank | $1,340,620,000 | 22.9% | 12 |
| Saco & Biddeford Savings Institution | $775,607,000 | 13.3% | 3 |
| Manufacturers and Traders Trust Company | $762,697,000 | 13.1% | 8 |
| Partners Bank of New England | $746,684,000 | 12.8% | 8 |
| TD Bank, National Association | $621,150,000 | 10.6% | 5 |
| Maine Community Bank | $454,993,000 | 7.8% | 5 |
| Bangor Savings Bank | $277,509,000 | 4.8% | 7 |
| Bank of America, National Association | $263,499,000 | 4.5% | 2 |
| The Camden National Bank | $259,954,000 | 4.4% | 3 |
| KeyBank National Association | $160,995,000 | 2.8% | 3 |
Deposit concentration is 1,285 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 22.9² + 13.3² + 13.1² + … (10 more) = 1,285
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 | $1,363,450,735 |
| Department of Defense | $259,214,215 |
| Department of Veterans Affairs | $159,989,499 |
| Department of Transportation | $55,010,817 |
| Department of Housing and Urban Development | $22,554,697 |
| Department of Health and Human Services | $16,537,149 |
| Department of Education | $6,541,159 |
| Railroad Retirement Board | $3,347,057 |
| Department of Agriculture | $2,635,719 |
| Department of Commerce | $2,432,444 |
| Federal Communications Commission | $800,589 |
| General Services Administration | $470,135 |
That is $25,520 per covered job, against 74,075 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.9 bn / 74,075 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,520
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 #
York County, ME: 16 findings, 3 at a watch level and 13 noted
watchYork County, ME's years of wages of 7.4 ranks 277th 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 = 90.98628347485304 >= 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
watchYork County, ME's covered employment is -0.7% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchYork County, ME's momentum index of 0.27 scores 56 on the 0-to-100 scale across US counties but 93 across Maine counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |56 across US counties - 93 across Maine 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
noteYork County, ME's average weekly wage was 9.1% 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
- +9.1 % = 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
noteYork County, ME's covered employment was 0.7% lower 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
- -0.7 % = 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
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.