Lewis County, NY

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.78, -75.44.

Assembled 2026-10-21. Read the brief.

Typical home value
$198,555
as of September 2026
  • 37th pct · 1,908th of 3,063 US counties · median $230,451
  • 13th pct · 54th of 62 New York counties · median $254,056
Home value, one year
+4.7%
as of September 2026
  • 71st pct · 880th of 3,062 US counties · median +2.9%
  • 24th pct · 47th of 62 New York counties · median +5.6%
Typical rent
not published
  • US counties: not published this period
  • New York counties: not published this period
Jobs
7,076
as of 2026 Q1-01
  • 46th pct · 1,730th of 3,221 US counties · median 8,232
  • 3rd pct · 60th of 62 New York counties · median 32,139
Average weekly wage
$1,104
as of 2026 Q1-01
  • 63rd pct · 1,182nd of 3,221 US counties · median $1,039
  • 18th pct · 51st of 62 New York counties · median $1,250
Years of wages per home
3.5
  • 32nd pct · 2,081st of 3,063 US counties · median 4.2
  • 26th pct · 46th 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 #

currentas of 2026 Q1retrieved 2026-10-21

Typical home $198,555 (Sep 2026), +4.7% over one year, +30.5% over five

  • 37th pct · 1,908th of 3,063 US counties · median $230,451
  • 13th pct · 54th of 62 New York counties · median $254,056
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.
ItemValueDistance
Lewis County, NY$198,555 · +4.7% 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 #

currentas of 2026 Q1retrieved 2026-10-21

Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)

  • US counties: not published this period
  • New York counties: not published this period

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 #

unavailableretrieved 2026-10-21There is no home value, mortgage rate or wage figure to put in the formula.

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 #

currentas of 2026 Q1retrieved 2026-10-21

7,076 jobs at 596 employers (2026 Q1); +1.9% jobs and +2.3% average weekly wage over the year

  • 46th pct · 1,730th of 3,221 US counties · median 8,232
  • 3rd pct · 60th of 62 New York counties · median 32,139
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.
ItemValueDistance
Lewis County, NY7,076 jobs · $1,104/wk · +1.9% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Manufacturing1,228$1,4082.16+8.1%
Retail trade775$6781.12-5.1%
Accommodation and food services466$4490.73-8.3%
Other services280$6881.32+6.1%
Construction210$1,1670.57-16.0%
Wholesale trade125$1,1700.46+0.8%
Professional and technical services123$1,0110.25+0.0%
Transportation and warehousing113$1,3550.38-7.4%
Arts, entertainment and recreation109$2870.94+55.7%
Finance and insurance63$1,3230.22-11.3%
Unclassified49$7683.25+0.0%
Utilities46$2,5731.65+27.8%

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 #

currentretrieved 2026-10-21

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 #

unavailableretrieved 2026-10-21this source was not loaded for this page

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 #

unavailableretrieved 2026-10-21this source was not loaded for this page

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 #

currentretrieved 2026-10-21

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 #

currentretrieved 2026-10-21

low (0.00)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35

Banks & federal dollars #

currentretrieved 2026-10-21

$367.2 m in deposits at 6 offices of 3 banks (SOD June 2026); HHI 5,726, highly concentrated. $173.5 m federal obligations in FY2026 (direct payments $155.1 m, grants $16.4 m), $24,516 per covered job

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.
ItemValueDistance
Community Bank, National Association$262.8 m · 71.6% share · 4 offices
KeyBank National Association$88.7 m · 24.2% share · 1 office
Carthage Savings and Loan, National Association$15.6 m · 4.3% share · 1 office
Lewis, NY$173.5 m FY2026 · $24,516/job
MULTIPLE RECIPIENTS$151.5 m · top recipient FY2026
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Community Bank, National Association$262,824,00071.6%4
KeyBank National Association$88,725,00024.2%1
Carthage Savings and Loan, National Association$15,629,0004.3%1

Deposit concentration is 5,726 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 3 banks with deposits in the county = 71.6² + 24.2² + 4.3² = 5,726

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 #

currentretrieved 2026-10-21

USAspending place-of-performance obligations for FY2026, by awarding agency.

USAspending, FY2026, place of performance in this county.
Awarding agencyObligations
Social Security Administration$133,678,001
Department of Veterans Affairs$17,678,447
Department of Transportation$16,210,054
Department of Agriculture$2,877,581
Department of Defense$1,960,920
Department of Housing and Urban Development$941,933
Railroad Retirement Board$161,360
Department of Education$159,363
Department of Commerce$10,000
Small Business Administration$0
Department of Homeland Security$0
Environmental Protection Agency-$200,000

That is $24,516 per covered job, against 7,076 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $173.5 m / 7,076 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,516

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 #

currentretrieved 2026-10-21

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.542026-10-20-4.9%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %72.202026-10-21+0.0%
Laredo truck crossings, monthly · trucks255,129.002026-09-01-1.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships5.002026-10-20-28.6%
Shanghai to Los Angeles container rate · $ per 40 ft box7,848.002026-09-01+14.9%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrelunavailablenot published
30-year fixed mortgage rate · %unavailablenot published
Housing starts, annual rate · thousands of unitsunavailablenot published
Building permits, annual rate · thousands of unitsunavailablenot published
Case-Shiller US home price index · index, Jan 2000 = 100unavailablenot published
Unemployment rate · %unavailablenot published
US goods and services trade balance, monthly · $ millionsunavailablenot published
Retail sales excluding food services, monthly · $ millionsunavailablenot published

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 #

currentretrieved 2026-10-21

Lewis County, NY: 8 findings, 3 at a watch level and 5 noted

  1. watchLewis County, NY's typical home value of +4.7% scores 71 on the 0-to-100 scale across US counties but 25 across New York counties, a gap of 47 points.

    Period 2026-09.
    Show the arithmetic
    • 47 = |71 across US counties - 25 across New York counties|

    position among the entities that published this metric this period; not an official level

  2. watchLewis County, NY's average weekly wage of $1,104 scores 63 on the 0-to-100 scale across US counties but 18 across New York counties, a gap of 45 points.

    Period 2026 Q1.
    Show the arithmetic
    • 45 = |63 across US counties - 18 across New York counties|

    position among the entities that published this metric this period; not an official level

  3. watchLewis County, NY's covered employment of 7,076 scores 46 on the 0-to-100 scale across US counties but 3 across New York counties, a gap of 43 points.

    Period 2026 Q1.
    Show the arithmetic
    • 43 = |46 across US counties - 3 across New York counties|

    position among the entities that published this metric this period; not an official level

  4. noteLewis County, NY's average weekly wage was 2.3% 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
    • +2.3 % = 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

  5. noteLewis County, NY's covered employment was 1.9% 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
    • +1.9 % = 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 8 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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-21
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-09 · retrieved 2026-10-21
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-09 · retrieved 2026-10-21
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 36049, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-21
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 36049, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-21
  • publishedWorld Port Index (Pub 150)National Geospatial-Intelligence Agencyopen the source
    Pub 150 World Port Index · retrieved 2026-10-21
  • publishedBorder Crossing Entry DataU.S. Bureau of Transportation Statisticsopen the source
    keg4-3bc2 border crossing entry data · period 2026-09 · retrieved 2026-10-21
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-21 · momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +4.7% / ±10% × 0.3, jobs over-the-year change +1.9% / ±3% × 0.3, avg weekly wage over-the-year change +2.3% / ±6% × 0.25
  • publishedU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    USDM_current · retrieved 2026-10-21
  • estimateU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    · retrieved 2026-10-21 · supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35 = 0.00; terms drought (D0 / 4)
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:36049:2026 · period 2026-06-30 · retrieved 2026-10-21
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:36049:2026 · period 2026-06-30 · retrieved 2026-10-21 · HHI = Σ (share %)² over 3 banks with deposits in the county = 71.6² + 24.2² + 4.3² = 5,726
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-21
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-21 · per job = FY2026 obligations $173.5 m / 7,076 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,516
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_category:36049:FY2026 · period FY2026 · retrieved 2026-10-21
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-21 · momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-21 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-21 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-21.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-09. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-21.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-09. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-21.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 36049, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/36049.csv. accessed 2026-10-21.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 36049, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/36049.csv. accessed 2026-10-21.
  • National Geospatial-Intelligence Agency. World Port Index (Pub 150). series Pub 150 World Port Index. https://msi.nga.mil/Publications/WPI. accessed 2026-10-21.
  • U.S. Bureau of Transportation Statistics. Border Crossing Entry Data. series keg4-3bc2 border crossing entry data. period 2026-09. https://data.bts.gov/resource/keg4-3bc2.json. accessed 2026-10-21.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-21. estimate computed by Embedding Atlas: momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +4.7% / ±10% × 0.3, jobs over-the-year change +1.9% / ±3% × 0.3, avg weekly wage over-the-year change +2.3% / ±6% × 0.25.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. series USDM_current. https://droughtmonitor.unl.edu/CurrentMap.aspx. accessed 2026-10-21.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. https://droughtmonitor.unl.edu/. accessed 2026-10-21. estimate computed by Embedding Atlas: supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35 = 0.00; terms drought (D0 / 4).
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:36049:2026. period 2026-06-30. https://api.fdic.gov/banks/sod?filters=STCNTYBR%3A36049+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE%2CMSABR%2CMSANAMB&format=json&limit=10000. accessed 2026-10-21.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:36049:2026. period 2026-06-30. https://api.fdic.gov/banks/docs/. accessed 2026-10-21. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 3 banks with deposits in the county = 71.6² + 24.2² + 4.3² = 5,726.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-21.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-21. estimate computed by Embedding Atlas: per job = FY2026 obligations $173.5 m / 7,076 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,516.
  • U.S. Department of the Treasury. USAspending API. series spending_by_category:36049:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_category/. accessed 2026-10-21.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-21. estimate computed by Embedding Atlas: momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-21. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-21. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • FRED did not answer for the 30-year mortgage rate (MORTGAGE30US), so the monthly payment estimate is omitted rather than computed from a stale rate.
  • Mortgage rate not loaded (FRED), so the payment estimate is missing.
  • Water rows are everything within 75 km of this place's internal point (150 km for reservoirs), not everything inside its boundary: lib/water searches discs, and every row prints its own distance.
  • Server report: satellite turbidity is only computed in a browser, so that term is absent here.
  • USGS gauges did not answer.
  • USGS wells did not answer.
  • Stress uses 1 of 4 terms (drought); missing terms are left out, not assumed.
  • Groundwater has no trend term: one latest level cannot say whether an aquifer is being drawn down.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 21 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-21T15:59:07.704Z. Place identity tables pulled 2026-10-01.