Umatilla County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.59, -118.73.
Assembled 2026-10-20. Read the brief.
- 72nd pct · 837th of 3,063 US counties · median $230,451
- 28th pct · 26th of 36 Oregon counties · median $428,005
- 49th pct · 1,542nd of 3,062 US counties · median +2.9%
- 85th pct · 6th of 36 Oregon counties · median +0.4%
- 52nd pct · 640th of 1,358 US counties · median $1,506
- 12th pct · 23rd of 26 Oregon counties · median $1,770
- 79th pct · 677th of 3,221 US counties · median 8,232
- 68th pct · 12th of 36 Oregon counties · median 15,683
- 69th pct · 990th of 3,221 US counties · median $1,039
- 60th pct · 15th of 36 Oregon counties · median $1,074
- 69th pct · 941st of 3,063 US counties · median 4.2
- 17th pct · 30th 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 $312,771 (Sep 2026), +2.8% over one year, +19.9% over five
- 72nd pct · 837th of 3,063 US counties · median $230,451
- 28th pct · 26th of 36 Oregon counties · median $428,005
| Item | Value | Distance |
|---|---|---|
| Umatilla County, OR | $312,771 · +2.8% 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 $1,536/mo (Sep 2026), +0.0% over one year; price-to-rent 17.0
- 52nd pct · 640th of 1,358 US counties · median $1,506
- 12th pct · 23rd of 26 Oregon counties · median $1,770
| Item | Value | Distance |
|---|---|---|
| Umatilla County, OR | $1,536/mo · +0.0% 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 $1,732 a month on $312,771 at 7.40%, against an average weekly wage worth $4,953 a month: 35.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $312,771 × 80% = $250,217, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,732/mo principal and interest
- wage share = payment / (avg weekly wage $1,143 × 52 / 12 = $4,953) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $312,771 / ($1,143 × 52) = 5.3
- price-to-rent = $312,771 / ($1,536 × 12) = 17.0
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 #
33,825 jobs at 2,371 employers (2026 Q1); +4.3% jobs and +3.4% average weekly wage over the year
- 79th pct · 677th of 3,221 US counties · median 8,232
- 68th pct · 12th of 36 Oregon counties · median 15,683
| Item | Value | Distance |
|---|---|---|
| Umatilla County, OR | 33,825 jobs · $1,143/wk · +4.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,647 | $1,294 | 0.91 | +4.1% |
| Retail trade | 3,227 | $732 | 0.98 | -2.1% |
| Agriculture, forestry, fishing | 2,815 | $817 | 11.52 | -7.5% |
| Accommodation and food services | 2,538 | $485 | 0.84 | -5.0% |
| Manufacturing | 2,453 | $1,171 | 0.90 | -4.0% |
| Administrative and waste services | 2,161 | $851 | 1.12 | +220.1% |
| Transportation and warehousing | 2,006 | $1,282 | 1.41 | -4.8% |
| Construction | 1,373 | $1,396 | 0.77 | -8.9% |
| Information | 1,170 | $2,104 | 1.88 | +39.6% |
| Wholesale trade | 1,084 | $1,245 | 0.84 | +12.3% |
| Other services | 727 | $816 | 0.72 | -6.8% |
| Professional and technical services | 543 | $1,374 | 0.23 | -1.1% |
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 #
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 (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$1.2 bn in deposits at 14 offices of 6 banks (SOD June 2026); HHI 3,107, highly concentrated. $730.2 m federal obligations in FY2026 (direct payments $452.7 m, contracts $253.6 m), $21,587 per covered job
| Item | Value | Distance |
|---|---|---|
| Banner Bank | $612.2 m · 49.1% share · 4 offices | |
| Columbia Bank | $234.7 m · 18.8% share · 2 offices | |
| U.S. Bank National Association | $184.3 m · 14.8% share · 2 offices | |
| Umatilla, OR | $730.2 m FY2026 · $21,587/job | |
| MULTIPLE RECIPIENTS | $411.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Banner Bank | $612,217,000 | 49.1% | 4 |
| Columbia Bank | $234,709,000 | 18.8% | 2 |
| U.S. Bank National Association | $184,346,000 | 14.8% | 2 |
| WaFd Bank | $100,180,000 | 8.0% | 2 |
| Bank of Eastern Oregon | $86,617,000 | 7.0% | 3 |
| BMO Bank National Association | $27,659,000 | 2.2% | 1 |
Deposit concentration is 3,107 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 = 49.1² + 18.8² + 14.8² + … (3 more) = 3,107
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 | $343,681,821 |
| Department of Agriculture | $131,016,503 |
| Department of Defense | $114,695,220 |
| Department of Veterans Affairs | $52,699,169 |
| Department of the Interior | $16,309,577 |
| Department of State | $15,497,472 |
| Railroad Retirement Board | $14,974,119 |
| Department of Transportation | $10,061,468 |
| Department of Health and Human Services | $7,842,810 |
| Department of Housing and Urban Development | $6,585,262 |
| Department of Education | $4,365,580 |
| Department of the Treasury | $3,868,351 |
That is $21,587 per covered job, against 33,825 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $730.2 m / 33,825 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,587
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 #
Umatilla County, OR: 15 findings, 5 at a watch level and 10 noted
watchUmatilla County, OR's years of wages of 5.3 scores 69 on the 0-to-100 scale across US counties but 17 across Oregon counties, a gap of 52 points.
Period 2026-09.Show the arithmetic
- 52 = |69 across US counties - 17 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
watchUmatilla County, OR's typical home value of $312,771 scores 73 on the 0-to-100 scale across US counties but 29 across Oregon counties, a gap of 44 points.
Period 2026-09.Show the arithmetic
- 44 = |73 across US counties - 29 across Oregon counties|
position among the entities that published this metric this period; not an official level
watchUmatilla County, OR's price-to-rent ratio of 17.0 scores 50 on the 0-to-100 scale across US counties but 8 across Oregon counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |50 across US counties - 8 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
watchUmatilla County, OR's typical asking rent of $1,536 scores 53 on the 0-to-100 scale across US counties but 12 across Oregon counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |53 across US counties - 12 across Oregon counties|
position among the entities that published this metric this period; not an official level
watchUmatilla County, OR's typical home value of +2.8% scores 50 on the 0-to-100 scale across US counties but 86 across Oregon counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |50 across US counties - 86 across Oregon counties|
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.