Yamhill County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.25, -123.32.
Assembled 2026-10-19. Read the brief.
- 93rd pct · 195th of 3,063 US counties · median $230,451
- 80th pct · 8th of 36 Oregon counties · median $428,005
- 33rd pct · 5th of 7 counties in the Portland-Vancouver-Hillsboro metro · median $541,704
- 15th pct · 2,597th of 3,062 US counties · median +2.9%
- 8th pct · 33rd of 36 Oregon counties · median +0.4%
- 16th pct · 6th of 7 counties in the Portland-Vancouver-Hillsboro metro · median +0.2%
- 79th pct · 280th of 1,358 US counties · median $1,506
- 80th pct · 6th of 26 Oregon counties · median $1,770
- 80th pct · 2nd of 6 counties in the Portland-Vancouver-Hillsboro metro · median $1,886
- 80th pct · 614th of 3,221 US counties · median 8,232
- 77th pct · 9th of 36 Oregon counties · median 15,683
- 33rd pct · 5th of 7 counties in the Portland-Vancouver-Hillsboro metro · median 173,559
- 62nd pct · 1,209th of 3,221 US counties · median $1,039
- 57th pct · 16th of 36 Oregon counties · median $1,074
- 33rd pct · 5th of 7 counties in the Portland-Vancouver-Hillsboro metro · median $1,462
- 95th pct · 141st of 3,063 US counties · median 4.2
- 82nd pct · 7th of 36 Oregon counties · median 6.8
- 83rd pct · 2nd of 7 counties in the Portland-Vancouver-Hillsboro metro · median 8.0
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 $501,668 (Sep 2026), -0.8% over one year, +7.7% over five
- 93rd pct · 195th of 3,063 US counties · median $230,451
- 80th pct · 8th of 36 Oregon counties · median $428,005
- 33rd pct · 5th of 7 counties in the Portland-Vancouver-Hillsboro metro · median $541,704
| Item | Value | Distance |
|---|---|---|
| Yamhill County, OR | $501,668 · -0.8% 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 $1,915/mo (Sep 2026), +2.4% over one year; price-to-rent 21.8
- 79th pct · 280th of 1,358 US counties · median $1,506
- 80th pct · 6th of 26 Oregon counties · median $1,770
- 80th pct · 2nd of 6 counties in the Portland-Vancouver-Hillsboro metro · median $1,886
| Item | Value | Distance |
|---|---|---|
| Yamhill County, OR | $1,915/mo · +2.4% 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 $2,779 a month on $501,668 at 7.40%, against an average weekly wage worth $4,767 a month: 58.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $501,668 × 80% = $401,334, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,779/mo principal and interest
- wage share = payment / (avg weekly wage $1,100 × 52 / 12 = $4,767) = 58% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $501,668 / ($1,100 × 52) = 8.8
- price-to-rent = $501,668 / ($1,915 × 12) = 21.8
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 #
39,478 jobs at 3,506 employers (2026 Q1); -0.8% jobs and +1.8% average weekly wage over the year
- 80th pct · 614th of 3,221 US counties · median 8,232
- 77th pct · 9th of 36 Oregon counties · median 15,683
- 33rd pct · 5th of 7 counties in the Portland-Vancouver-Hillsboro metro · median 173,559
| Item | Value | Distance |
|---|---|---|
| Yamhill County, OR | 39,478 jobs · $1,100/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,491 | $1,028 | 1.26 | +4.8% |
| Manufacturing | 6,511 | $1,485 | 2.05 | +0.0% |
| Retail trade | 3,651 | $755 | 0.95 | -1.0% |
| Accommodation and food services | 3,493 | $569 | 0.98 | +0.5% |
| Agriculture, forestry, fishing | 3,478 | $906 | 12.20 | -5.4% |
| Educational services | 2,155 | $801 | 2.54 | +0.7% |
| Construction | 1,839 | $1,314 | 0.89 | -14.0% |
| Other services | 1,164 | $751 | 0.99 | -1.2% |
| Administrative and waste services | 1,151 | $761 | 0.51 | +5.5% |
| Professional and technical services | 1,088 | $1,574 | 0.40 | -4.6% |
| Wholesale trade | 671 | $1,574 | 0.44 | -6.5% |
| Finance and insurance | 627 | $1,749 | 0.39 | -10.0% |
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 #
$1.6 bn in deposits at 17 offices of 7 banks (SOD June 2026); HHI 2,214, highly concentrated. $732.3 m federal obligations in FY2026 (direct payments $678.1 m, grants $29.1 m), $18,550 per covered job
| Item | Value | Distance |
|---|---|---|
| First Federal Savings and Loan Association of McMinnville | $578.1 m · 35.3% share · 6 offices | |
| U.S. Bank National Association | $365.1 m · 22.3% share · 2 offices | |
| Columbia Bank | $263.2 m · 16.0% share · 3 offices | |
| Yamhill, OR | $732.3 m FY2026 · $18,550/job | |
| MULTIPLE RECIPIENTS | $634.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Federal Savings and Loan Association of McMinnville | $578,144,000 | 35.3% | 6 |
| U.S. Bank National Association | $365,080,000 | 22.3% | 2 |
| Columbia Bank | $263,169,000 | 16.0% | 3 |
| Wells Fargo Bank, National Association | $197,389,000 | 12.0% | 2 |
| KeyBank National Association | $99,405,000 | 6.1% | 2 |
| JPMorgan Chase Bank, National Association | $83,703,000 | 5.1% | 1 |
| Citizens Bank | $52,976,000 | 3.2% | 1 |
Deposit concentration is 2,214 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 = 35.3² + 22.3² + 16.0² + … (4 more) = 2,214
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 | $570,913,752 |
| Department of Veterans Affairs | $70,443,926 |
| Department of Transportation | $25,061,249 |
| Department of Housing and Urban Development | $22,364,472 |
| Department of Defense | $14,249,619 |
| Department of Education | $11,024,637 |
| Department of the Interior | $6,800,900 |
| Department of Agriculture | $5,556,978 |
| Department of Health and Human Services | $2,609,422 |
| Railroad Retirement Board | $1,983,556 |
| Department of Justice | $955,484 |
| Federal Communications Commission | $246,616 |
That is $18,550 per covered job, against 39,478 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $732.3 m / 39,478 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,550
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 #
Yamhill County, OR: 13 findings, 4 at a watch level and 9 noted
watchYamhill County, OR's years of wages of 8.8 ranks 141st 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 = 95.42782495101241 >= 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
watchYamhill County, OR's typical home value is -0.8% 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 = -0.8455131647298895 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchYamhill County, OR's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchYamhill County, OR's price-to-rent ratio of 21.8 scores 83 on the 0-to-100 scale across US counties but 52 across Oregon counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |83 across US counties - 52 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
noteYamhill County, OR's average weekly wage was 1.8% 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
- +1.8 % = 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.