Chautauqua County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.30, -79.41.
Assembled 2026-10-19. Read the brief.
- 30th pct · 2,140th of 3,063 US counties · median $230,451
- 11th pct · 55th of 62 New York counties · median $254,056
- 72nd pct · 840th of 3,062 US counties · median +2.9%
- 29th pct · 44th of 62 New York counties · median +5.6%
- 12th pct · 1,191st of 1,358 US counties · median $1,506
- 2nd pct · 48th of 49 New York counties · median $1,521
- 82nd pct · 555th of 3,221 US counties · median 8,232
- 60th pct · 25th of 62 New York counties · median 32,139
- 55th pct · 1,442nd of 3,221 US counties · median $1,039
- 9th pct · 56th of 62 New York counties · median $1,250
- 27th pct · 2,206th of 3,063 US counties · median 4.2
- 19th pct · 50th of 62 New York counties · median 4.1
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 $180,657 (Sep 2026), +4.8% over one year, +37.5% over five
- 30th pct · 2,140th of 3,063 US counties · median $230,451
- 11th pct · 55th of 62 New York counties · median $254,056
| Item | Value | Distance |
|---|---|---|
| Chautauqua County, NY | $180,657 · +4.8% 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 $1,078/mo (Sep 2026), +8.6% over one year; price-to-rent 14.0
- 12th pct · 1,191st of 1,358 US counties · median $1,506
- 2nd pct · 48th of 49 New York counties · median $1,521
| Item | Value | Distance |
|---|---|---|
| Chautauqua County, NY | $1,078/mo · +8.6% 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 $1,001 a month on $180,657 at 7.40%, against an average weekly wage worth $4,602 a month: 21.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $180,657 × 80% = $144,525, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,001/mo principal and interest
- wage share = payment / (avg weekly wage $1,062 × 52 / 12 = $4,602) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $180,657 / ($1,062 × 52) = 3.3
- price-to-rent = $180,657 / ($1,078 × 12) = 14.0
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 #
45,244 jobs at 3,125 employers (2026 Q1); +0.4% jobs and +1.0% average weekly wage over the year
- 82nd pct · 555th of 3,221 US counties · median 8,232
- 60th pct · 25th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Chautauqua County, NY | 45,244 jobs · $1,062/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,572 | $1,396 | 2.08 | -3.7% |
| Health care and social assistance | 6,995 | $1,068 | 1.03 | +10.9% |
| Retail trade | 5,438 | $707 | 1.23 | -4.8% |
| Accommodation and food services | 4,242 | $440 | 1.04 | +2.8% |
| Construction | 1,510 | $1,153 | 0.64 | -1.5% |
| Other services | 1,484 | $637 | 1.10 | -4.6% |
| Administrative and waste services | 1,353 | $838 | 0.53 | -22.9% |
| Wholesale trade | 970 | $1,494 | 0.56 | -3.8% |
| Transportation and warehousing | 916 | $952 | 0.48 | +8.5% |
| Professional and technical services | 767 | $1,291 | 0.25 | -10.4% |
| Finance and insurance | 684 | $1,632 | 0.37 | -6.4% |
| Educational services | 655 | $832 | 0.67 | +5.3% |
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 #
D0 abnormally dry
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 #
$2.2 bn in deposits at 33 offices of 8 banks (SOD June 2026); HHI 1,778, moderately concentrated. $929.3 m federal obligations in FY2026 (direct payments $827.5 m, contracts $63.9 m), $20,539 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Bank, National Association | $571.4 m · 25.8% share · 9 offices | |
| Manufacturers and Traders Trust Company | $429.8 m · 19.4% share · 7 offices | |
| Northwest Bank | $355.9 m · 16.1% share · 5 offices | |
| Chautauqua, NY | $929.3 m FY2026 · $20,539/job | |
| MULTIPLE RECIPIENTS | $812.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Bank, National Association | $571,392,000 | 25.8% | 9 |
| Manufacturers and Traders Trust Company | $429,782,000 | 19.4% | 7 |
| Northwest Bank | $355,900,000 | 16.1% | 5 |
| Lake Shore Bank | $334,919,000 | 15.1% | 5 |
| KeyBank National Association | $315,991,000 | 14.3% | 3 |
| NBT Bank, National Association | $126,249,000 | 5.7% | 1 |
| Cattaraugus County Bank | $76,781,000 | 3.5% | 2 |
| Woodforest National Bank | $3,420,000 | 0.2% | 1 |
Deposit concentration is 1,778 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 25.8² + 19.4² + 16.1² + … (5 more) = 1,778
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 | $732,228,950 |
| Department of Veterans Affairs | $78,874,732 |
| Department of Defense | $54,092,931 |
| Department of Transportation | $19,772,657 |
| Department of Health and Human Services | $10,188,500 |
| Department of Labor | $9,715,926 |
| Department of Agriculture | $7,936,293 |
| Department of Housing and Urban Development | $7,059,150 |
| Department of Education | $5,350,293 |
| Environmental Protection Agency | $3,124,213 |
| Railroad Retirement Board | $2,292,975 |
| Department of Justice | $53,037 |
That is $20,539 per covered job, against 45,244 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $929.3 m / 45,244 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,539
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 #
Chautauqua County, NY: 12 findings, 4 at a watch level and 8 noted
watchChautauqua County, NY's typical asking rent is -2.4% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, 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: rent.momPct = -2.355235411623877 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchChautauqua County, NY's typical asking rent is +8.6% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; convention chosen for this dashboard, 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: rent.yoyPct = 8.623316079801185 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchChautauqua County, NY's average weekly wage of $1,062 scores 55 on the 0-to-100 scale across US counties but 10 across New York counties, a gap of 45 points.
Period 2026 Q1.Show the arithmetic
- 45 = |55 across US counties - 10 across New York counties|
position among the entities that published this metric this period; not an official level
watchChautauqua County, NY's typical home value of +4.8% scores 73 on the 0-to-100 scale across US counties but 30 across New York counties, a gap of 43 points.
Period 2026-09.Show the arithmetic
- 43 = |73 across US counties - 30 across New York counties|
position among the entities that published this metric this period; not an official level
noteChautauqua County, NY's typical asking rent fell 2.4% from $1,103 in August 2026 to $1,078 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -2.4% = (1077.5 - 1103.4897821119519) / 1103.4897821119519 × 100
- 1077.5 = Zillow ZORI, 2026-09
- 1103.4897821119519 = Zillow ZORI, 2026-08
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.