Hunterdon County, NJ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.57, -74.91.
Assembled 2026-10-19. Read the brief.
- 96th pct · 95th of 3,063 US counties · median $230,451
- 60th pct · 9th of 21 New Jersey counties · median $579,852
- 28th pct · 16th of 22 counties in the New York-Newark-Jersey City metro · median $680,195
- 52nd pct · 1,459th of 3,062 US counties · median +2.9%
- 40th pct · 13th of 21 New Jersey counties · median +3.1%
- 19th pct · 18th of 22 counties in the New York-Newark-Jersey City metro · median +4.7%
- 95th pct · 65th of 1,358 US counties · median $1,506
- 75th pct · 6th of 21 New Jersey counties · median $2,291
- 33rd pct · 15th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
- 83rd pct · 543rd of 3,221 US counties · median 8,232
- 20th pct · 17th of 21 New Jersey counties · median 188,702
- 9th pct · 20th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
- 95th pct · 136th of 3,221 US counties · median $1,039
- 65th pct · 8th of 21 New Jersey counties · median $1,446
- 61st pct · 9th of 22 counties in the New York-Newark-Jersey City metro · median $1,632
- 90th pct · 294th of 3,063 US counties · median 4.2
- 75th pct · 6th of 21 New Jersey counties · median 6.1
- 42nd pct · 13th 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 $627,345 (Sep 2026), +3.0% over one year, +26.8% over five
- 96th pct · 95th of 3,063 US counties · median $230,451
- 60th pct · 9th of 21 New Jersey counties · median $579,852
- 28th pct · 16th of 22 counties in the New York-Newark-Jersey City metro · median $680,195
| Item | Value | Distance |
|---|---|---|
| Hunterdon County, NJ | $627,345 · +3.0% 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 $2,598/mo (Sep 2026), +0.2% over one year; price-to-rent 20.1
- 95th pct · 65th of 1,358 US counties · median $1,506
- 75th pct · 6th of 21 New Jersey counties · median $2,291
- 33rd pct · 15th of 22 counties in the New York-Newark-Jersey City metro · median $2,825
| Item | Value | Distance |
|---|---|---|
| Hunterdon County, NJ | $2,598/mo · +0.2% 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 $3,475 a month on $627,345 at 7.40%, against an average weekly wage worth $7,202 a month: 48.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $627,345 × 80% = $501,876, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,475/mo principal and interest
- wage share = payment / (avg weekly wage $1,662 × 52 / 12 = $7,202) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $627,345 / ($1,662 × 52) = 7.3
- price-to-rent = $627,345 / ($2,598 × 12) = 20.1
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 #
46,590 jobs at 4,131 employers (2026 Q1); -1.5% jobs and +2.3% average weekly wage over the year
- 83rd pct · 543rd of 3,221 US counties · median 8,232
- 20th pct · 17th of 21 New Jersey counties · median 188,702
- 9th pct · 20th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
| Item | Value | Distance |
|---|---|---|
| Hunterdon County, NJ | 46,590 jobs · $1,662/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,438 | $1,450 | 0.92 | +0.0% |
| Retail trade | 5,853 | $927 | 1.29 | -1.5% |
| Accommodation and food services | 3,504 | $527 | 0.84 | -3.6% |
| Professional and technical services | 3,356 | $2,264 | 1.04 | -8.1% |
| Construction | 3,323 | $1,685 | 1.36 | -5.5% |
| Finance and insurance | 3,028 | $5,770 | 1.60 | +0.0% |
| Administrative and waste services | 2,096 | $1,239 | 0.79 | +13.4% |
| Other services | 2,046 | $763 | 1.47 | +0.8% |
| Wholesale trade | 1,375 | $1,737 | 0.77 | -1.7% |
| Arts, entertainment and recreation | 1,016 | $576 | 1.32 | -4.2% |
| Agriculture, forestry, fishing | 956 | $971 | 2.84 | +0.0% |
| Educational services | 802 | $487 | 0.80 | +10.8% |
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 #
$6.0 bn in deposits at 30 offices of 14 banks (SOD June 2026); HHI 1,337, moderately concentrated. $910.7 m federal obligations in FY2026 (direct payments $874.5 m, grants $31.5 m), $19,546 per covered job
| Item | Value | Distance |
|---|---|---|
| TD Bank, National Association | $1.5 bn · 25.3% share · 4 offices | |
| PNC Bank, National Association | $888.2 m · 14.7% share · 3 offices | |
| Unity Bank | $839.0 m · 13.9% share · 3 offices | |
| Hunterdon, NJ | $910.7 m FY2026 · $19,546/job | |
| MULTIPLE RECIPIENTS | $861.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TD Bank, National Association | $1,532,717,000 | 25.3% | 4 |
| PNC Bank, National Association | $888,242,000 | 14.7% | 3 |
| Unity Bank | $838,953,000 | 13.9% | 3 |
| Bank of America, National Association | $718,374,000 | 11.9% | 2 |
| Peapack Private Bank & Trust | $458,935,000 | 7.6% | 3 |
| Wells Fargo Bank, National Association | $300,273,000 | 5.0% | 2 |
| Fulton Bank, National Association | $216,725,000 | 3.6% | 1 |
| JPMorgan Chase Bank, National Association | $211,042,000 | 3.5% | 2 |
| Provident Bank | $194,990,000 | 3.2% | 1 |
| Northfield Bank | $182,210,000 | 3.0% | 3 |
Deposit concentration is 1,337 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 25.3² + 14.7² + 13.9² + … (11 more) = 1,337
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 | $817,612,243 |
| Department of Veterans Affairs | $43,913,731 |
| Department of Transportation | $27,933,273 |
| Department of Housing and Urban Development | $9,847,226 |
| Department of Defense | $4,445,572 |
| Railroad Retirement Board | $2,640,178 |
| Federal Communications Commission | $2,234,481 |
| Department of Agriculture | $1,575,489 |
| Department of Education | $685,108 |
| Department of Homeland Security | $343,342 |
| Department of Health and Human Services | $115,571 |
| Department of the Treasury | $108,736 |
That is $19,546 per covered job, against 46,590 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $910.7 m / 46,590 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,546
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 #
Hunterdon County, NJ: 18 findings, 5 at a watch level and 13 noted
watchHunterdon County, NJ'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
watchHunterdon County, NJ's years of wages of 7.3 ranks 294th 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 = 90.43109079033312 >= 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
watchHunterdon County, NJ's covered employment of 46,590 scores 83 on the 0-to-100 scale across US counties but 20 across New Jersey counties, a gap of 63 points.
Period 2026 Q1.Show the arithmetic
- 63 = |83 across US counties - 20 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchHunterdon County, NJ's typical home value of $627,345 scores 97 on the 0-to-100 scale across US counties but 60 across New Jersey counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |97 across US counties - 60 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchHunterdon County, NJ's average weekly wage of $1,662 scores 96 on the 0-to-100 scale across US counties but 65 across New Jersey counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |96 across US counties - 65 across New Jersey 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.