Orleans County, VT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.83, -72.25.
Assembled 2026-10-19. Read the brief.
- 68th pct · 978th of 3,063 US counties · median $230,451
- 7th pct · 13th of 14 Vermont counties · median $371,639
- 73rd pct · 816th of 3,062 US counties · median +2.9%
- 92nd pct · 2nd of 14 Vermont counties · median +1.0%
- US counties: not published this period
- Vermont counties: not published this period
- 55th pct · 1,441st of 3,221 US counties · median 8,232
- 23rd pct · 11th of 14 Vermont counties · median 15,575
- 42nd pct · 1,846th of 3,221 US counties · median $1,039
- 0th pct · 14th of 14 Vermont counties · median $1,183
- 74th pct · 792nd of 3,063 US counties · median 4.2
- 38th pct · 9th of 14 Vermont counties · median 5.8
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 $290,906 (Sep 2026), +4.9% over one year, +23.1% over five
- 68th pct · 978th of 3,063 US counties · median $230,451
- 7th pct · 13th of 14 Vermont counties · median $371,639
| Item | Value | Distance |
|---|---|---|
| Orleans County, VT | $290,906 · +4.9% 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
- Vermont 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 $1,611 a month on $290,906 at 7.40%, against an average weekly wage worth $4,364 a month: 36.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $290,906 × 80% = $232,725, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,611/mo principal and interest
- wage share = payment / (avg weekly wage $1,007 × 52 / 12 = $4,364) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $290,906 / ($1,007 × 52) = 5.6
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 #
10,092 jobs at 1,080 employers (2026 Q1); -1.1% jobs and +3.2% average weekly wage over the year
- 55th pct · 1,441st of 3,221 US counties · median 8,232
- 23rd pct · 11th of 14 Vermont counties · median 15,575
| Item | Value | Distance |
|---|---|---|
| Orleans County, VT | 10,092 jobs · $1,007/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,533 | $1,176 | 1.01 | -2.0% |
| Accommodation and food services | 1,478 | $575 | 1.63 | -0.5% |
| Retail trade | 1,426 | $718 | 1.45 | -2.2% |
| Manufacturing | 1,079 | $1,071 | 1.33 | +15.9% |
| Construction | 555 | $1,263 | 1.05 | -4.3% |
| Transportation and warehousing | 292 | $1,095 | 0.69 | -7.3% |
| Finance and insurance | 242 | $2,002 | 0.59 | -4.3% |
| Other services | 234 | $951 | 0.78 | -10.3% |
| Wholesale trade | 91 | $1,483 | 0.24 | -12.5% |
| Information | 85 | $1,029 | 0.46 | +7.6% |
| Educational services | 82 | $782 | 0.38 | -21.2% |
| Arts, entertainment and recreation | 72 | $507 | 0.43 | -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 #
D1 moderate 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$758.0 m in deposits at 7 offices of 3 banks (SOD June 2026); HHI 6,398, highly concentrated. $231.0 m federal obligations in FY2026 (direct payments $196.9 m, grants $21.1 m), $22,888 per covered job
| Item | Value | Distance |
|---|---|---|
| Community National Bank | $592.5 m · 78.2% share · 5 offices | |
| Passumpsic Savings Bank | $120.8 m · 15.9% share · 1 office | |
| Manufacturers and Traders Trust Company | $44.7 m · 5.9% share · 1 office | |
| Orleans, VT | $231.0 m FY2026 · $22,888/job | |
| MULTIPLE RECIPIENTS | $187.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community National Bank | $592,450,000 | 78.2% | 5 |
| Passumpsic Savings Bank | $120,837,000 | 15.9% | 1 |
| Manufacturers and Traders Trust Company | $44,692,000 | 5.9% | 1 |
Deposit concentration is 6,398 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 78.2² + 15.9² + 5.9² = 6,398
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 | $168,947,433 |
| Department of Veterans Affairs | $18,832,061 |
| Department of Agriculture | $13,109,945 |
| Department of Transportation | $10,309,494 |
| Department of Homeland Security | $7,060,816 |
| Department of Health and Human Services | $5,721,232 |
| General Services Administration | $4,450,133 |
| Railroad Retirement Board | $973,191 |
| Department of Housing and Urban Development | $584,952 |
| Federal Communications Commission | $457,820 |
| Department of State | $366,304 |
| Environmental Protection Agency | $70,695 |
That is $22,888 per covered job, against 10,092 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $231.0 m / 10,092 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,888
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 #
Orleans County, VT: 14 findings, 6 at a watch level and 8 noted
watchOrleans County, VT's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOrleans County, VT's typical home value of $290,906 scores 68 on the 0-to-100 scale across US counties but 8 across Vermont counties, a gap of 60 points.
Period 2026-09.Show the arithmetic
- 60 = |68 across US counties - 8 across Vermont counties|
position among the entities that published this metric this period; not an official level
watchOrleans County, VT's average weekly wage of $1,007 scores 43 on the 0-to-100 scale across US counties but 0 across Vermont counties, a gap of 43 points.
Period 2026 Q1.Show the arithmetic
- 43 = |43 across US counties - 0 across Vermont counties|
position among the entities that published this metric this period; not an official level
watchOrleans County, VT's years of wages of 5.6 scores 74 on the 0-to-100 scale across US counties but 38 across Vermont counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |74 across US counties - 38 across Vermont 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
watchOrleans County, VT's covered employment of -1.1% scores 35 on the 0-to-100 scale across US counties but 69 across Vermont counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |35 across US counties - 69 across Vermont 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.