Deschutes County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.92, -121.23.
Assembled 2026-10-19. Read the brief.
- 97th pct · 83rd of 3,063 US counties · median $230,451
- 97th pct · 2nd of 36 Oregon counties · median $428,005
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 16th pct · 2,560th of 3,062 US counties · median +2.9%
- 11th pct · 32nd of 36 Oregon counties · median +0.4%
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 90th pct · 125th of 1,358 US counties · median $1,506
- 96th pct · 2nd of 26 Oregon counties · median $1,770
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 90th pct · 321st of 3,221 US counties · median 8,232
- 85th pct · 6th of 36 Oregon counties · median 15,683
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 87th pct · 388th of 3,221 US counties · median $1,039
- 85th pct · 6th of 36 Oregon counties · median $1,074
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 96th pct · 109th of 3,063 US counties · median 4.2
- 94th pct · 3rd of 36 Oregon counties · median 6.8
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
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 $658,505 (Sep 2026), -0.7% over one year, +4.6% over five
- 97th pct · 83rd of 3,063 US counties · median $230,451
- 97th pct · 2nd of 36 Oregon counties · median $428,005
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Deschutes County, OR | $658,505 · -0.7% 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 #
Typical rent $2,218/mo (Sep 2026), +3.2% over one year; price-to-rent 24.7
- 90th pct · 125th of 1,358 US counties · median $1,506
- 96th pct · 2nd of 26 Oregon counties · median $1,770
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Deschutes County, OR | $2,218/mo · +3.2% 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 $3,647 a month on $658,505 at 7.40%, against an average weekly wage worth $5,889 a month: 61.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $658,505 × 80% = $526,804, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,647/mo principal and interest
- wage share = payment / (avg weekly wage $1,359 × 52 / 12 = $5,889) = 62% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $658,505 / ($1,359 × 52) = 9.3
- price-to-rent = $658,505 / ($2,218 × 12) = 24.7
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 #
92,198 jobs at 10,931 employers (2026 Q1); -0.3% jobs and +4.2% average weekly wage over the year
- 90th pct · 321st of 3,221 US counties · median 8,232
- 85th pct · 6th of 36 Oregon counties · median 15,683
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Deschutes County, OR | 92,198 jobs · $1,359/wk · -0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 16,811 | $1,537 | 1.21 | +3.8% |
| Retail trade | 11,449 | $833 | 1.27 | -0.2% |
| Accommodation and food services | 10,891 | $673 | 1.31 | +0.1% |
| Construction | 7,383 | $1,519 | 1.53 | +0.1% |
| Manufacturing | 6,437 | $1,387 | 0.87 | -1.5% |
| Professional and technical services | 5,711 | $2,327 | 0.90 | -1.6% |
| Other services | 3,658 | $999 | 1.33 | +2.5% |
| Administrative and waste services | 3,501 | $1,155 | 0.67 | -8.6% |
| Arts, entertainment and recreation | 2,869 | $634 | 1.89 | +1.5% |
| Wholesale trade | 2,204 | $1,820 | 0.62 | -5.9% |
| Finance and insurance | 1,953 | $2,927 | 0.52 | -5.2% |
| Transportation and warehousing | 1,846 | $1,274 | 0.48 | -2.7% |
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 #
D3 extreme drought
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| PROWELL SPRINGS DIVERSION POOL, NEAR BEND, OR | 7.81 ft (USGS, no capacity on file) | 35 km |
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 #
44 gauges · 0 flooding · 15 with quality panels averaging 100 % · 32 stale
Sites found: 44, 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.
| Site | Reading | Distance |
|---|---|---|
| DESCHUTES R AT BENHAM FALLS NR BEND, OR | flow 1,360 ft³/s · STALE | 15 km |
| ARNOLD CANAL NEAR BEND,OREG. | flow 78.0 ft³/s · STALE | 15 km |
| CENTRAL OREG CA AB PILOT BTE CA NR BEND,OREG. | flow 420.0 ft³/s · STALE | 15 km |
| DESCHUTES COUNTY MUNICIPAL IMP DIST CANAL, BEND,OR | flow 1.90 ft³/s · STALE | 18 km |
| NORTH UNIT MAIN CANAL NEAR BEND,OREG. | flow 410.0 ft³/s · STALE | 19 km |
| SWALLEY CANAL NEAR BEND,OREG. | flow 78.0 ft³/s · STALE | 19 km |
| NORTH CANAL NEAR BEND,OREG. | flow 401.0 ft³/s · STALE | 19 km |
| DESCHUTES RIVER BELOW BEND,OREG. | flow 412.0 ft³/s · STALE | 20 km |
| PAULINA CREEK NEAR LAPINE, OR. | flow 14.0 ft³/s · STALE | 23 km |
| BRIDGE CREEK BELOW INTAKE, NEAR BEND, OR | flow 28.5 ft³/s · quality 100 % (1) | 30 km |
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 #
6 wells in 0 named aquifers:
Sites found: 6, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-434400121275801 | depth 28.4 ft · 2016-10-25 | 28 km |
| USGS-434202121301502 | depth 12.5 ft · 2000-04-24 | 33 km |
| USGS-434202121301503 | depth 12.4 ft · 2000-01-29 | 33 km |
| USGS-434202121301501 | depth 13.6 ft · 2002-04-28 | 33 km |
| USGS-434206121311701 | depth 10.9 ft · 2002-04-28 | 34 km |
| USGS-442242121405501 | depth 302.1 ft · 2026-10-17 | 63 km |
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 #
moderate (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$5.1 bn in deposits at 43 offices of 10 banks (SOD June 2026); HHI 1,465, moderately concentrated. $1.5 bn federal obligations in FY2026 (direct payments $1.4 bn, contracts $36.9 m), $15,823 per covered job
| Item | Value | Distance |
|---|---|---|
| First Interstate Bank | $1.1 bn · 22.5% share · 9 offices | |
| U.S. Bank National Association | $956.5 m · 18.9% share · 8 offices | |
| JPMorgan Chase Bank, National Association | $664.3 m · 13.1% share · 5 offices | |
| Deschutes, OR | $1.5 bn FY2026 · $15,823/job | |
| MULTIPLE RECIPIENTS | $1.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Interstate Bank | $1,139,585,000 | 22.5% | 9 |
| U.S. Bank National Association | $956,536,000 | 18.9% | 8 |
| JPMorgan Chase Bank, National Association | $664,280,000 | 13.1% | 5 |
| Wells Fargo Bank, National Association | $609,757,000 | 12.1% | 4 |
| WaFd Bank | $547,862,000 | 10.8% | 4 |
| Bank of America, National Association | $431,008,000 | 8.5% | 3 |
| Columbia Bank | $420,207,000 | 8.3% | 6 |
| Summit Bank | $234,863,000 | 4.6% | 2 |
| Washington Trust Bank | $35,611,000 | 0.7% | 1 |
| Idaho First Bank | $17,586,000 | 0.3% | 1 |
Deposit concentration is 1,465 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 22.5² + 18.9² + 13.1² + … (7 more) = 1,465
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 | $1,219,773,926 |
| Department of Veterans Affairs | $144,935,911 |
| Department of Agriculture | $22,557,204 |
| Department of Transportation | $17,581,189 |
| Department of Education | $11,554,222 |
| Department of Energy | $9,782,595 |
| Department of the Interior | $8,616,922 |
| Railroad Retirement Board | $5,556,150 |
| Department of Housing and Urban Development | $5,446,198 |
| Department of Health and Human Services | $5,170,763 |
| National Science Foundation | $2,595,951 |
| Department of Defense | $2,282,711 |
That is $15,823 per covered job, against 92,198 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.5 bn / 92,198 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,823
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 #
Deschutes County, OR: 15 findings, 4 at a watch level and 11 noted
watchDeschutes County, OR's years of wages of 9.3 ranks 109th 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 = 96.47289353363814 >= 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
watchDeschutes County, OR's price-to-rent ratio of 24.7 ranks 103rd of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 92.4834193072955 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchDeschutes County, OR's typical home value is -0.7% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.6520675027946251 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchDeschutes County, OR's covered employment is -0.3% 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 = -0.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDeschutes County, OR's average weekly wage was 4.2% 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
- +4.2 % = 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
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.