Douglas County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.29, -123.15.
Assembled 2026-10-19. Read the brief.
- 77th pct · 675th of 3,063 US counties · median $230,451
- 34th pct · 24th of 36 Oregon counties · median $428,005
- 21st pct · 2,394th of 3,062 US counties · median +2.9%
- 28th pct · 26th of 36 Oregon counties · median +0.4%
- 33rd pct · 909th of 1,358 US counties · median $1,506
- 8th pct · 24th of 26 Oregon counties · median $1,770
- 80th pct · 627th of 3,221 US counties · median 8,232
- 71st pct · 11th of 36 Oregon counties · median 15,683
- 56th pct · 1,395th of 3,221 US counties · median $1,039
- 45th pct · 20th of 36 Oregon counties · median $1,074
- 80th pct · 593rd of 3,063 US counties · median 4.2
- 34th pct · 24th of 36 Oregon counties · median 6.8
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 $339,328 (Sep 2026), +0.1% over one year, +14.7% over five
- 77th pct · 675th of 3,063 US counties · median $230,451
- 34th pct · 24th of 36 Oregon counties · median $428,005
| Item | Value | Distance |
|---|---|---|
| Douglas County, OR | $339,328 · +0.1% 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 $1,326/mo (Sep 2026), +2.8% over one year; price-to-rent 21.3
- 33rd pct · 909th of 1,358 US counties · median $1,506
- 8th pct · 24th of 26 Oregon counties · median $1,770
| Item | Value | Distance |
|---|---|---|
| Douglas County, OR | $1,326/mo · +2.8% 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 $1,880 a month on $339,328 at 7.40%, against an average weekly wage worth $4,637 a month: 40.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $339,328 × 80% = $271,462, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,880/mo principal and interest
- wage share = payment / (avg weekly wage $1,070 × 52 / 12 = $4,637) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $339,328 / ($1,070 × 52) = 6.1
- price-to-rent = $339,328 / ($1,326 × 12) = 21.3
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 #
37,959 jobs at 3,291 employers (2026 Q1); -0.7% jobs and +2.7% average weekly wage over the year
- 80th pct · 627th of 3,221 US counties · median 8,232
- 71st pct · 11th of 36 Oregon counties · median 15,683
| Item | Value | Distance |
|---|---|---|
| Douglas County, OR | 37,959 jobs · $1,070/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,055 | $1,184 | 1.24 | +5.3% |
| Retail trade | 4,367 | $694 | 1.18 | -2.8% |
| Manufacturing | 4,236 | $1,240 | 1.39 | -4.2% |
| Accommodation and food services | 3,255 | $440 | 0.95 | +0.6% |
| Construction | 1,638 | $1,151 | 0.82 | -0.8% |
| Administrative and waste services | 1,456 | $858 | 0.67 | -9.1% |
| Other services | 1,309 | $726 | 1.15 | -0.8% |
| Agriculture, forestry, fishing | 1,189 | $1,103 | 4.34 | -4.8% |
| Transportation and warehousing | 1,189 | $1,121 | 0.74 | -0.3% |
| Professional and technical services | 983 | $1,221 | 0.38 | -3.7% |
| Wholesale trade | 952 | $1,143 | 0.65 | +11.0% |
| Finance and insurance | 722 | $1,519 | 0.47 | +2.3% |
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 #
D2 severe 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 #
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$9.3 bn in deposits at 17 offices of 7 banks (SOD June 2026); HHI 8,145, highly concentrated. $1.6 bn federal obligations in FY2026 (direct payments $1.5 bn, contracts $72.8 m), $41,700 per covered job
| Item | Value | Distance |
|---|---|---|
| Columbia Bank | $8.4 bn · 90.1% share · 8 offices | |
| U.S. Bank National Association | $229.2 m · 2.5% share · 1 office | |
| Banner Bank | $226.4 m · 2.4% share · 3 offices | |
| Douglas, OR | $1.6 bn FY2026 · $41,700/job | |
| MULTIPLE RECIPIENTS | $1.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Columbia Bank | $8,393,417,000 | 90.1% | 8 |
| U.S. Bank National Association | $229,211,000 | 2.5% | 1 |
| Banner Bank | $226,381,000 | 2.4% | 3 |
| Wells Fargo Bank, National Association | $204,175,000 | 2.2% | 1 |
| JPMorgan Chase Bank, National Association | $94,625,000 | 1.0% | 1 |
| Oregon Pacific Banking Company dba Oregon Pacific Bank | $84,831,000 | 0.9% | 1 |
| First Interstate Bank | $78,597,000 | 0.8% | 2 |
Deposit concentration is 8,145 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 90.1² + 2.5² + 2.4² + … (4 more) = 8,145
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 | $785,384,514 |
| Department of Health and Human Services | $473,771,896 |
| Department of Veterans Affairs | $220,976,115 |
| Department of Agriculture | $34,886,545 |
| Department of Transportation | $28,122,937 |
| Department of the Interior | $13,362,795 |
| Department of Housing and Urban Development | $11,443,691 |
| Department of Education | $5,520,677 |
| Railroad Retirement Board | $4,336,078 |
| Federal Communications Commission | $2,165,242 |
| Department of Commerce | $1,263,411 |
| Department of Homeland Security | $533,299 |
That is $41,700 per covered job, against 37,959 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.6 bn / 37,959 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,700
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 #
Douglas County, OR: 12 findings, 4 at a watch level and 8 noted
watchDouglas County, OR's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDouglas County, OR's years of wages of 6.1 scores 81 on the 0-to-100 scale across US counties but 34 across Oregon counties, a gap of 46 points.
Period 2026-09.Show the arithmetic
- 46 = |81 across US counties - 34 across Oregon 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
watchDouglas County, OR's typical home value of $339,328 scores 78 on the 0-to-100 scale across US counties but 34 across Oregon counties, a gap of 44 points.
Period 2026-09.Show the arithmetic
- 44 = |78 across US counties - 34 across Oregon counties|
position among the entities that published this metric this period; not an official level
watchDouglas County, OR's price-to-rent ratio of 21.3 scores 81 on the 0-to-100 scale across US counties but 44 across Oregon counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |81 across US counties - 44 across Oregon counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteDouglas County, OR's average weekly wage was 2.7% 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
- +2.7 % = 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.