Susquehanna County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.82, -75.80.
Assembled 2026-10-19. Read the brief.
- 54th pct · 1,389th of 3,063 US counties · median $230,451
- 65th pct · 24th of 67 Pennsylvania counties · median $231,558
- 75th pct · 754th of 3,062 US counties · median +2.9%
- 89th pct · 8th of 67 Pennsylvania counties · median +3.3%
- US counties: not published this period
- Pennsylvania counties: not published this period
- 50th pct · 1,587th of 3,221 US counties · median 8,232
- 10th pct · 60th of 67 Pennsylvania counties · median 27,809
- 61st pct · 1,232nd of 3,221 US counties · median $1,039
- 45th pct · 37th of 67 Pennsylvania counties · median $1,102
- 51st pct · 1,495th of 3,063 US counties · median 4.2
- 59th pct · 28th of 67 Pennsylvania counties · median 3.7
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 $243,887 (Sep 2026), +5.2% over one year, +20.7% over five
- 54th pct · 1,389th of 3,063 US counties · median $230,451
- 65th pct · 24th of 67 Pennsylvania counties · median $231,558
| Item | Value | Distance |
|---|---|---|
| Susquehanna County, PA | $243,887 · +5.2% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Pennsylvania 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 #
Principal and interest of $1,351 a month on $243,887 at 7.40%, against an average weekly wage worth $4,754 a month: 28.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $243,887 × 80% = $195,110, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,351/mo principal and interest
- wage share = payment / (avg weekly wage $1,097 × 52 / 12 = $4,754) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $243,887 / ($1,097 × 52) = 4.3
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 #
8,425 jobs at 950 employers (2026 Q1); -1.8% jobs and +4.7% average weekly wage over the year
- 50th pct · 1,587th of 3,221 US counties · median 8,232
- 10th pct · 60th of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Susquehanna County, PA | 8,425 jobs · $1,097/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,132 | $806 | 0.89 | -1.9% |
| Retail trade | 1,114 | $685 | 1.36 | -5.9% |
| Accommodation and food services | 800 | $370 | 1.06 | +5.4% |
| Mining, oil and gas | 417 | $1,409 | 13.90 | -11.7% |
| Construction | 415 | $1,243 | 0.94 | +3.5% |
| Manufacturing | 414 | $1,048 | 0.61 | -3.9% |
| Professional and technical services | 412 | $1,716 | 0.71 | +2.2% |
| Transportation and warehousing | 341 | $1,160 | 0.96 | +3.3% |
| Other services | 275 | $529 | 1.09 | -1.1% |
| Wholesale trade | 241 | $1,138 | 0.75 | -15.1% |
| Arts, entertainment and recreation | 222 | $435 | 1.60 | -1.3% |
| Finance and insurance | 201 | $1,518 | 0.59 | +2.0% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
9 USGS reservoir gauges, no capacity figures to weight
Sites found: 9, 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 |
|---|---|---|
| USGS-01534180 | 1,574 ft (USGS, no capacity on file) | 30 km |
| USGS-01534490 | 1,108 ft (USGS, no capacity on file) | 40 km |
| USGS-01428900 | 1,125 ft (USGS, no capacity on file) | 47 km |
| USGS-01429400 | 990.0 ft (USGS, no capacity on file) | 50 km |
| USGS-01447780 | 1,305 ft (USGS, no capacity on file) | 79 km |
| USGS-01449790 | 628.1 ft (USGS, no capacity on file) | 109 km |
| USGS-01517900 | 1,081 ft (USGS, no capacity on file) | 111 km |
| USGS-01518498 | 1,086 ft (USGS, no capacity on file) | 112 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 #
71 gauges · 0 flooding · 20 with quality panels averaging 100 % · 14 stale
Sites found: 71, 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-01513550 | flow 5.64 ft³/s | 23 km |
| USGS-01503000 | flow 1,490 ft³/s | 24 km |
| USGS-01534000 | flow 293.0 ft³/s | 30 km |
| USGS-01502731 | flow 1,120 ft³/s | 31 km |
| USGS-01533400 | flow 3,210 ft³/s | 31 km |
| USGS-01534300 | flow 53.9 ft³/s | 31 km |
| USGS-01503500 | stage 2.72 ft | 32 km |
| OQUAGA CREEK AT MCCLURE NY | flow 45.3 ft³/s · quality 100 % (1) | 36 km |
| USGS-01513500 | flow 2,260 ft³/s | 37 km |
| USGS-01532940 | stage 11.5 ft | 37 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 #
24 wells in 0 named aquifers:
Sites found: 24, 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-415320075450401 | depth 67.8 ft · 2026-10-18 | 9 km |
| USGS-415323077451301 | depth 38.4 ft · 2017-10-17 | 9 km |
| USGS-413346075421301 | depth 62.0 ft · 2026-10-18 | 30 km |
| USGS-413010075425301 | depth 51.1 ft · 1974-12-18 | 36 km |
| USGS-421138075511301 | depth 27.8 ft · 2026-10-18 | 42 km |
| USGS-421157075535401 | depth 68.2 ft · 2026-10-18 | 43 km |
| USGS-414333075153201 | depth 26.4 ft · 2026-10-18 | 46 km |
| USGS-412826076083301 | depth 23.6 ft · 2011-09-07 | 48 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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.2 bn in deposits at 14 offices of 6 banks (SOD June 2026); HHI 2,681, highly concentrated. $318.6 m federal obligations in FY2026 (direct payments $279.4 m, grants $39.2 m), $37,816 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Security Bank and Trust Company | $466.1 m · 40.3% share · 4 offices | |
| NBT Bank, National Association | $285.1 m · 24.7% share · 4 offices | |
| First National Bank of Pennsylvania | $179.3 m · 15.5% share · 2 offices | |
| Susquehanna, PA | $318.6 m FY2026 · $37,816/job | |
| MULTIPLE RECIPIENTS | $274.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Security Bank and Trust Company | $466,053,000 | 40.3% | 4 |
| NBT Bank, National Association | $285,108,000 | 24.7% | 4 |
| First National Bank of Pennsylvania | $179,305,000 | 15.5% | 2 |
| The Honesdale National Bank | $145,785,000 | 12.6% | 2 |
| Community Bank, National Association | $79,698,000 | 6.9% | 1 |
| PS Bank | $0 | 0.0% | 1 |
Deposit concentration is 2,681 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 40.3² + 24.7² + 15.5² + … (2 more) = 2,681
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 | $246,160,132 |
| Department of Transportation | $33,820,225 |
| Department of Veterans Affairs | $25,354,192 |
| Department of Health and Human Services | $5,372,317 |
| Railroad Retirement Board | $2,969,390 |
| Department of Housing and Urban Development | $2,923,071 |
| Department of Agriculture | $1,576,918 |
| Federal Communications Commission | $296,053 |
| Department of Education | $123,601 |
| Small Business Administration | $0 |
| Department of Defense | $0 |
That is $37,816 per covered job, against 8,425 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $318.6 m / 8,425 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,816
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 #
Susquehanna County, PA: 6 findings, 2 at a watch level and 4 noted
watchSusquehanna County, PA's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSusquehanna County, PA's covered employment of 8,425 scores 51 on the 0-to-100 scale across US counties but 11 across Pennsylvania counties, a gap of 40 points.
Period 2026 Q1.Show the arithmetic
- 40 = |51 across US counties - 11 across Pennsylvania counties|
position among the entities that published this metric this period; not an official level
noteSusquehanna County, PA's average weekly wage was 4.7% 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
- +4.7 % = 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
noteSusquehanna County, PA's covered employment was 1.8% lower 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Susquehanna County, PA is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.