Hillsborough County, NH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.91, -71.72.
Assembled 2026-10-20. Read the brief.
- 94th pct · 175th of 3,063 US counties · median $230,451
- 88th pct · 2nd of 10 New Hampshire counties · median $496,284
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
- 42nd pct · 1,766th of 3,062 US counties · median +2.9%
- 11th pct · 9th of 10 New Hampshire counties · median +3.0%
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
- 89th pct · 149th of 1,358 US counties · median $1,506
- 66th pct · 4th of 10 New Hampshire counties · median $2,108
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
- 94th pct · 164th of 3,221 US counties · median 8,232
- 100th pct · 1st of 10 New Hampshire counties · median 37,786
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
- 95th pct · 132nd of 3,221 US counties · median $1,039
- 100th pct · 1st of 10 New Hampshire counties · median $1,282
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
- 79th pct · 637th of 3,063 US counties · median 4.2
- 22nd pct · 8th of 10 New Hampshire counties · median 6.7
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua 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 $517,347 (Sep 2026), +2.2% over one year, +34.9% over five
- 94th pct · 175th of 3,063 US counties · median $230,451
- 88th pct · 2nd of 10 New Hampshire counties · median $496,284
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hillsborough County, NH | $517,347 · +2.2% 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 $2,165/mo (Sep 2026), +3.6% over one year; price-to-rent 19.9
- 89th pct · 149th of 1,358 US counties · median $1,506
- 66th pct · 4th of 10 New Hampshire counties · median $2,108
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hillsborough County, NH | $2,165/mo · +3.6% 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 $2,866 a month on $517,347 at 7.40%, against an average weekly wage worth $7,228 a month: 39.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $517,347 × 80% = $413,878, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,866/mo principal and interest
- wage share = payment / (avg weekly wage $1,668 × 52 / 12 = $7,228) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $517,347 / ($1,668 × 52) = 6.0
- price-to-rent = $517,347 / ($2,165 × 12) = 19.9
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 #
196,120 jobs at 12,314 employers (2026 Q1); -1.5% jobs and +1.2% average weekly wage over the year
- 94th pct · 164th of 3,221 US counties · median 8,232
- 100th pct · 1st of 10 New Hampshire counties · median 37,786
- counties in the Manchester-Nashua metro: Rank context is unavailable: the manifest lists 1 counties in the Manchester-Nashua metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hillsborough County, NH | 196,120 jobs · $1,668/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 31,766 | $1,358 | 1.08 | -1.0% |
| Manufacturing | 24,554 | $2,577 | 1.56 | -0.5% |
| Retail trade | 24,096 | $869 | 1.26 | -2.0% |
| Accommodation and food services | 15,548 | $575 | 0.88 | +0.2% |
| Professional and technical services | 13,724 | $3,050 | 1.01 | +0.4% |
| Administrative and waste services | 10,220 | $1,256 | 0.92 | -0.8% |
| Finance and insurance | 9,529 | $3,310 | 1.19 | +3.8% |
| Construction | 8,797 | $1,608 | 0.86 | +1.3% |
| Other services | 7,088 | $972 | 1.21 | -1.0% |
| Wholesale trade | 5,901 | $2,556 | 0.79 | -4.4% |
| Educational services | 4,515 | $1,316 | 1.07 | -15.3% |
| Arts, entertainment and recreation | 4,389 | $579 | 1.36 | +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 #
No drought class at this point (USDM covers the United States only)
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 #
$15.4 bn in deposits at 91 offices of 24 banks (SOD June 2026); HHI 1,888, highly concentrated. $3.8 bn federal obligations in FY2026 (direct payments $2.7 bn, contracts $1.1 bn), $19,535 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank, National Association | $4.6 bn · 29.6% share · 13 offices | |
| TD Bank, National Association | $3.6 bn · 23.6% share · 16 offices | |
| Bank of America, National Association | $3.0 bn · 19.8% share · 6 offices | |
| Hillsborough, NH | $3.8 bn FY2026 · $19,535/job | |
| MULTIPLE RECIPIENTS | $2.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank, National Association | $4,553,103,000 | 29.6% | 13 |
| TD Bank, National Association | $3,626,826,000 | 23.6% | 16 |
| Bank of America, National Association | $3,046,026,000 | 19.8% | 6 |
| Primary Bank | $597,973,000 | 3.9% | 3 |
| Manufacturers and Traders Trust Company | $588,155,000 | 3.8% | 6 |
| Santander Bank, N.A. | $478,412,000 | 3.1% | 4 |
| Rockland Trust Company | $435,967,000 | 2.8% | 4 |
| Eastern Bank | $287,557,000 | 1.9% | 3 |
| Bar Harbor Bank & Trust | $282,226,000 | 1.8% | 6 |
| The Millyard Bank | $276,195,000 | 1.8% | 2 |
Deposit concentration is 1,888 across 24 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 24 banks with deposits in the county = 29.6² + 23.6² + 19.8² + … (21 more) = 1,888
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 | $2,273,055,630 |
| Department of Defense | $998,860,198 |
| Department of Veterans Affairs | $249,599,986 |
| Department of Housing and Urban Development | $148,570,431 |
| Department of Transportation | $87,000,741 |
| Department of Health and Human Services | $34,558,408 |
| Department of Labor | $11,301,437 |
| Department of Education | $9,871,249 |
| Railroad Retirement Board | $6,147,755 |
| National Aeronautics and Space Administration | $5,615,592 |
| Department of Homeland Security | $3,695,244 |
| General Services Administration | $2,473,211 |
That is $19,535 per covered job, against 196,120 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.8 bn / 196,120 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,535
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Hillsborough County, NH: 15 findings, 3 at a watch level and 12 noted
watchHillsborough County, NH's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHillsborough County, NH's years of wages of 6.0 scores 79 on the 0-to-100 scale across US counties but 22 across New Hampshire counties, a gap of 57 points.
Period 2026-09.Show the arithmetic
- 57 = |79 across US counties - 22 across New Hampshire 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
watchHillsborough County, NH's typical home value of +2.2% scores 42 on the 0-to-100 scale across US counties but 11 across New Hampshire counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |42 across US counties - 11 across New Hampshire counties|
position among the entities that published this metric this period; not an official level
noteHillsborough County, NH's covered employment was 1.5% 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
- -1.5 % = 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
noteHillsborough County, NH's average weekly wage was 1.2% 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
- +1.2 % = 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.