Salem County, NJ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.57, -75.36.
Assembled 2026-10-19. Read the brief.
- 69th pct · 924th of 3,063 US counties · median $230,451
- 5th pct · 20th of 21 New Jersey counties · median $579,852
- 10th pct · 10th of 11 counties in the Philadelphia-Camden-Wilmington metro · median $381,762
- 53rd pct · 1,430th of 3,062 US counties · median +2.9%
- 45th pct · 12th of 21 New Jersey counties · median +3.1%
- 70th pct · 4th of 11 counties in the Philadelphia-Camden-Wilmington metro · median +2.6%
- 68th pct · 425th of 1,358 US counties · median $1,506
- 5th pct · 20th of 21 New Jersey counties · median $2,291
- 0th pct · 11th of 11 counties in the Philadelphia-Camden-Wilmington metro · median $2,013
- 73rd pct · 863rd of 3,221 US counties · median 8,232
- 0th pct · 21st of 21 New Jersey counties · median 188,702
- 0th pct · 11th of 11 counties in the Philadelphia-Camden-Wilmington metro · median 217,338
- 90th pct · 306th of 3,221 US counties · median $1,039
- 45th pct · 12th of 21 New Jersey counties · median $1,446
- 40th pct · 7th of 11 counties in the Philadelphia-Camden-Wilmington metro · median $1,505
- 45th pct · 1,669th of 3,063 US counties · median 4.2
- 5th pct · 20th of 21 New Jersey counties · median 6.1
- 20th pct · 9th of 11 counties in the Philadelphia-Camden-Wilmington metro · median 4.8
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 $297,450 (Sep 2026), +3.1% over one year, +33.3% over five
- 69th pct · 924th of 3,063 US counties · median $230,451
- 5th pct · 20th of 21 New Jersey counties · median $579,852
- 10th pct · 10th of 11 counties in the Philadelphia-Camden-Wilmington metro · median $381,762
| Item | Value | Distance |
|---|---|---|
| Salem County, NJ | $297,450 · +3.1% 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 $1,747/mo (Sep 2026), n/a over one year; price-to-rent 14.2
- 68th pct · 425th of 1,358 US counties · median $1,506
- 5th pct · 20th of 21 New Jersey counties · median $2,291
- 0th pct · 11th of 11 counties in the Philadelphia-Camden-Wilmington metro · median $2,013
| Item | Value | Distance |
|---|---|---|
| Salem County, NJ | $1,747/mo · n/a 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 $1,648 a month on $297,450 at 7.40%, against an average weekly wage worth $6,205 a month: 26.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $297,450 × 80% = $237,960, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,648/mo principal and interest
- wage share = payment / (avg weekly wage $1,432 × 52 / 12 = $6,205) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $297,450 / ($1,432 × 52) = 4.0
- price-to-rent = $297,450 / ($1,747 × 12) = 14.2
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 #
22,302 jobs at 1,592 employers (2026 Q1); +3.6% jobs and +2.8% average weekly wage over the year
- 73rd pct · 863rd of 3,221 US counties · median 8,232
- 0th pct · 21st of 21 New Jersey counties · median 188,702
- 0th pct · 11th of 11 counties in the Philadelphia-Camden-Wilmington metro · median 217,338
| Item | Value | Distance |
|---|---|---|
| Salem County, NJ | 22,302 jobs · $1,432/wk · +3.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 3,909 | $1,140 | 4.16 | +5.4% |
| Health care and social assistance | 2,998 | $1,609 | 0.89 | +4.2% |
| Retail trade | 1,920 | $704 | 0.88 | +3.5% |
| Accommodation and food services | 1,513 | $472 | 0.76 | +10.4% |
| Professional and technical services | 684 | $2,572 | 0.44 | +0.0% |
| Other services | 442 | $755 | 0.66 | -7.5% |
| Administrative and waste services | 441 | $1,007 | 0.35 | +11.4% |
| Educational services | 233 | $1,345 | 0.49 | -4.5% |
| Arts, entertainment and recreation | 121 | $524 | 0.33 | -7.6% |
| Management of companies | 11 | $1,062 | 0.03 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld |
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 #
$1.4 bn in deposits at 21 offices of 6 banks (SOD June 2026); HHI 2,410, highly concentrated. $493.1 m federal obligations in FY2026 (direct payments $432.7 m, grants $44.2 m), $22,108 per covered job
| Item | Value | Distance |
|---|---|---|
| Fulton Bank, National Association | $527.7 m · 38.9% share · 5 offices | |
| The Pennsville National Bank | $251.6 m · 18.6% share · 5 offices | |
| The First National Bank of Elmer | $220.2 m · 16.3% share · 4 offices | |
| Salem, NJ | $493.1 m FY2026 · $22,108/job | |
| MULTIPLE RECIPIENTS | $417.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fulton Bank, National Association | $527,719,000 | 38.9% | 5 |
| The Pennsville National Bank | $251,636,000 | 18.6% | 5 |
| The First National Bank of Elmer | $220,215,000 | 16.3% | 4 |
| Franklin Bank | $194,222,000 | 14.3% | 4 |
| TD Bank, National Association | $107,102,000 | 7.9% | 2 |
| Century Savings Bank | $54,150,000 | 4.0% | 1 |
Deposit concentration is 2,410 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 38.9² + 18.6² + 16.3² + … (3 more) = 2,410
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 | $374,883,748 |
| Department of Veterans Affairs | $43,279,162 |
| Department of Commerce | $22,764,260 |
| Department of Transportation | $17,987,848 |
| Department of Defense | $14,492,913 |
| Department of Housing and Urban Development | $6,854,934 |
| Department of Agriculture | $6,799,237 |
| Department of Education | $3,224,209 |
| Railroad Retirement Board | $973,446 |
| Federal Communications Commission | $949,521 |
| Department of Health and Human Services | $539,754 |
| General Services Administration | $299,955 |
That is $22,108 per covered job, against 22,302 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $493.1 m / 22,302 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,108
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 #
Salem County, NJ: 26 findings, 5 at a watch level and 21 noted
watchSalem County, NJ's covered employment of 22,302 scores 73 on the 0-to-100 scale across US counties but 0 across New Jersey counties, a gap of 73 points.
Period 2026 Q1.Show the arithmetic
- 73 = |73 across US counties - 0 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchSalem County, NJ's typical home value of $297,450 scores 70 on the 0-to-100 scale across US counties but 5 across New Jersey counties, a gap of 65 points.
Period 2026-09.Show the arithmetic
- 65 = |70 across US counties - 5 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchSalem County, NJ's typical asking rent of $1,747 scores 69 on the 0-to-100 scale across US counties but 5 across New Jersey counties, a gap of 64 points.
Period 2026-09.Show the arithmetic
- 64 = |69 across US counties - 5 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchSalem County, NJ's average weekly wage of $1,432 scores 90 on the 0-to-100 scale across US counties but 45 across New Jersey counties, a gap of 45 points.
Period 2026 Q1.Show the arithmetic
- 45 = |90 across US counties - 45 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchSalem County, NJ's years of wages of 4.0 scores 46 on the 0-to-100 scale across US counties but 5 across New Jersey counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |46 across US counties - 5 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
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.