Hudson County, NJ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.73, -74.08.
Assembled 2026-10-19. Read the brief.
- 97th pct · 91st of 3,063 US counties · median $230,451
- 70th pct · 7th of 21 New Jersey counties · median $579,852
- 38th pct · 14th of 22 counties in the New York-Newark-Jersey City metro · median $680,195
- 34th pct · 2,013th of 3,062 US counties · median +2.9%
- 10th pct · 19th of 21 New Jersey counties · median +3.1%
- 0th pct · 22nd of 22 counties in the New York-Newark-Jersey City metro · median +4.7%
- 98th pct · 28th of 1,358 US counties · median $1,506
- 100th pct · 1st of 21 New Jersey counties · median $2,291
- 71st pct · 7th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
- 96th pct · 119th of 3,221 US counties · median 8,232
- 80th pct · 5th of 21 New Jersey counties · median 188,702
- 47th pct · 12th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
- 99th pct · 25th of 3,221 US counties · median $1,039
- 90th pct · 3rd of 21 New Jersey counties · median $1,446
- 85th pct · 4th of 22 counties in the New York-Newark-Jersey City metro · median $1,632
- 70th pct · 903rd of 3,063 US counties · median 4.2
- 25th pct · 16th of 21 New Jersey counties · median 6.1
- 9th pct · 20th of 22 counties in the New York-Newark-Jersey City metro · median 8.4
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 $636,059 (Sep 2026), +1.5% over one year, +15.5% over five
- 97th pct · 91st of 3,063 US counties · median $230,451
- 70th pct · 7th of 21 New Jersey counties · median $579,852
- 38th pct · 14th of 22 counties in the New York-Newark-Jersey City metro · median $680,195
| Item | Value | Distance |
|---|---|---|
| Hudson County, NJ | $636,059 · +1.5% 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 $3,015/mo (Sep 2026), +3.0% over one year; price-to-rent 17.6
- 98th pct · 28th of 1,358 US counties · median $1,506
- 100th pct · 1st of 21 New Jersey counties · median $2,291
- 71st pct · 7th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
| Item | Value | Distance |
|---|---|---|
| Hudson County, NJ | $3,015/mo · +3.0% 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 $3,523 a month on $636,059 at 7.40%, against an average weekly wage worth $9,941 a month: 35.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $636,059 × 80% = $508,847, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,523/mo principal and interest
- wage share = payment / (avg weekly wage $2,294 × 52 / 12 = $9,941) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $636,059 / ($2,294 × 52) = 5.3
- price-to-rent = $636,059 / ($3,015 × 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 #
269,588 jobs at 20,602 employers (2026 Q1); -1.2% jobs and +4.7% average weekly wage over the year
- 96th pct · 119th of 3,221 US counties · median 8,232
- 80th pct · 5th of 21 New Jersey counties · median 188,702
- 47th pct · 12th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
| Item | Value | Distance |
|---|---|---|
| Hudson County, NJ | 269,588 jobs · $2,294/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Finance and insurance | 36,737 | $6,660 | 3.34 | -1.6% |
| Health care and social assistance | 34,875 | $1,080 | 0.86 | +0.8% |
| Retail trade | 24,160 | $848 | 0.92 | +1.6% |
| Transportation and warehousing | 22,262 | $1,416 | 1.96 | -0.7% |
| Accommodation and food services | 20,553 | $673 | 0.85 | +0.4% |
| Professional and technical services | 13,981 | $3,025 | 0.75 | -5.8% |
| Administrative and waste services | 13,790 | $1,128 | 0.90 | -9.2% |
| Wholesale trade | 12,597 | $2,116 | 1.22 | -5.2% |
| Manufacturing | 9,089 | $1,894 | 0.42 | -4.9% |
| Other services | 7,231 | $1,300 | 0.90 | -4.5% |
| Information | 6,506 | $3,333 | 1.31 | -1.0% |
| Real estate and rental | 5,517 | $1,595 | 1.33 | -2.6% |
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 #
$50.1 bn in deposits at 126 offices of 29 banks (SOD June 2026); HHI 3,598, highly concentrated. $5.1 bn federal obligations in FY2026 (direct payments $4.8 bn, grants $225.3 m), $19,051 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $29.4 bn · 58.6% share · 13 offices | |
| JPMorgan Chase Bank, National Association | $3.8 bn · 7.6% share · 12 offices | |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | $3.3 bn · 6.6% share · 1 office | |
| Hudson, NJ | $5.1 bn FY2026 · $19,051/job | |
| MULTIPLE RECIPIENTS | $4.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $29,373,393,000 | 58.6% | 13 |
| JPMorgan Chase Bank, National Association | $3,813,831,000 | 7.6% | 12 |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | $3,323,101,000 | 6.6% | 1 |
| TD Bank, National Association | $2,108,805,000 | 4.2% | 9 |
| Kearny Bank | $1,621,015,000 | 3.2% | 3 |
| Wells Fargo Bank, National Association | $1,327,682,000 | 2.6% | 11 |
| Capital One, National Association | $1,284,968,000 | 2.6% | 2 |
| Provident Bank | $1,244,098,000 | 2.5% | 12 |
| BCB Community Bank | $1,215,767,000 | 2.4% | 9 |
| Valley National Bank | $963,106,000 | 1.9% | 9 |
Deposit concentration is 3,598 across 26 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 26 banks with deposits in the county = 58.6² + 7.6² + 6.6² + … (23 more) = 3,598
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 |
|---|---|
| Department of Health and Human Services | $2,563,397,551 |
| Social Security Administration | $1,773,445,109 |
| Department of Housing and Urban Development | $337,309,939 |
| Department of Veterans Affairs | $147,301,698 |
| Department of Transportation | $83,812,731 |
| Department of Education | $70,108,450 |
| Department of Justice | $53,229,577 |
| Department of Defense | $45,524,404 |
| Department of Homeland Security | $22,483,473 |
| Railroad Retirement Board | $15,375,729 |
| Department of the Interior | $7,927,611 |
| Federal Communications Commission | $5,184,501 |
That is $19,051 per covered job, against 269,588 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $5.1 bn / 269,588 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,051
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 #
Hudson County, NJ: 17 findings, 2 at a watch level and 15 noted
watchHudson County, NJ's covered employment is -1.2% 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 = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHudson County, NJ's years of wages of 5.3 scores 71 on the 0-to-100 scale across US counties but 25 across New Jersey counties, a gap of 46 points.
Period 2026-09.Show the arithmetic
- 46 = |71 across US counties - 25 across New Jersey 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
noteHudson County, NJ's average weekly wage was 4.7% 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
- +4.7 % = 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
noteHudson County, NJ's covered employment was 1.2% 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
- -1.2 % = 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
noteHudson County, NJ's typical home value of +1.5% ranks 22nd of 22 counties in the New York-Newark-Jersey City metro, against a median of +4.7%.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 22 counties in the New York-Newark-Jersey City metro that published home.yoyPct
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.