Rutland County, VT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.61, -73.06.
Assembled 2026-10-19. Read the brief.
- 73rd pct · 813th of 3,063 US counties · median $230,451
- 23rd pct · 11th of 14 Vermont counties · median $371,639
- 51st pct · 1,480th of 3,062 US counties · median +2.9%
- 76th pct · 4th of 14 Vermont counties · median +1.0%
- 72nd pct · 375th of 1,358 US counties · median $1,506
- 62nd pct · 4th of 9 Vermont counties · median $1,741
- 75th pct · 795th of 3,221 US counties · median 8,232
- 84th pct · 3rd of 14 Vermont counties · median 15,575
- 75th pct · 791st of 3,221 US counties · median $1,039
- 53rd pct · 7th of 14 Vermont counties · median $1,183
- 66th pct · 1,024th of 3,063 US counties · median 4.2
- 7th pct · 13th 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 $315,512 (Sep 2026), +3.0% over one year, +20.1% over five
- 73rd pct · 813th of 3,063 US counties · median $230,451
- 23rd pct · 11th of 14 Vermont counties · median $371,639
| Item | Value | Distance |
|---|---|---|
| Rutland County, VT | $315,512 · +3.0% 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 $1,799/mo (Sep 2026), n/a over one year; price-to-rent 14.6
- 72nd pct · 375th of 1,358 US counties · median $1,506
- 62nd pct · 4th of 9 Vermont counties · median $1,741
| Item | Value | Distance |
|---|---|---|
| Rutland County, VT | $1,799/mo · n/a 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 $1,748 a month on $315,512 at 7.40%, against an average weekly wage worth $5,178 a month: 33.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $315,512 × 80% = $252,410, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,748/mo principal and interest
- wage share = payment / (avg weekly wage $1,195 × 52 / 12 = $5,178) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $315,512 / ($1,195 × 52) = 5.1
- price-to-rent = $315,512 / ($1,799 × 12) = 14.6
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 #
25,265 jobs at 2,637 employers (2026 Q1); -1.5% jobs and +1.1% average weekly wage over the year
- 75th pct · 795th of 3,221 US counties · median 8,232
- 84th pct · 3rd of 14 Vermont counties · median 15,575
| Item | Value | Distance |
|---|---|---|
| Rutland County, VT | 25,265 jobs · $1,195/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,221 | $1,254 | 1.11 | -0.8% |
| Accommodation and food services | 3,681 | $639 | 1.62 | -0.7% |
| Retail trade | 3,364 | $765 | 1.37 | -4.1% |
| Manufacturing | 2,498 | $1,608 | 1.23 | +0.4% |
| Administrative and waste services | 961 | $1,151 | 0.67 | -3.9% |
| Professional and technical services | 814 | $1,818 | 0.47 | -6.2% |
| Other services | 753 | $772 | 1.00 | -3.5% |
| Wholesale trade | 722 | $1,688 | 0.75 | -7.1% |
| Management of companies | 510 | $3,615 | 1.21 | +12.6% |
| Finance and insurance | 422 | $2,052 | 0.41 | +0.0% |
| Mining, oil and gas | 300 | $1,429 | 3.33 | +6.0% |
| Real estate and rental | 287 | $900 | 0.74 | +2.9% |
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 #
$1.2 bn in deposits at 15 offices of 9 banks (SOD June 2026); HHI 1,624, moderately concentrated. $488.1 m federal obligations in FY2026 (direct payments $459.9 m, grants $26.5 m), $19,321 per covered job
| Item | Value | Distance |
|---|---|---|
| TD Bank, National Association | $348.3 m · 28.0% share · 2 offices | |
| Citizens Bank, National Association | $181.1 m · 14.6% share · 1 office | |
| Manufacturers and Traders Trust Company | $178.3 m · 14.4% share · 2 offices | |
| Rutland, VT | $488.1 m FY2026 · $19,321/job | |
| MULTIPLE RECIPIENTS | $448.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TD Bank, National Association | $348,326,000 | 28.0% | 2 |
| Citizens Bank, National Association | $181,098,000 | 14.6% | 1 |
| Manufacturers and Traders Trust Company | $178,341,000 | 14.4% | 2 |
| Bar Harbor Bank & Trust | $158,009,000 | 12.7% | 3 |
| Community Bank, National Association | $147,763,000 | 11.9% | 3 |
| Beacon Bank and Trust | $117,974,000 | 9.5% | 1 |
| The Bank of Bennington | $42,520,000 | 3.4% | 1 |
| The National Bank of Middlebury | $37,062,000 | 3.0% | 1 |
| KeyBank National Association | $31,503,000 | 2.5% | 1 |
Deposit concentration is 1,624 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 28.0² + 14.6² + 14.4² + … (6 more) = 1,624
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 | $415,501,996 |
| Department of Veterans Affairs | $31,734,374 |
| Department of Transportation | $21,965,257 |
| Department of Health and Human Services | $6,289,547 |
| Department of Housing and Urban Development | $6,234,841 |
| Department of Agriculture | $3,735,347 |
| Railroad Retirement Board | $1,144,636 |
| Federal Communications Commission | $633,913 |
| Department of Defense | $429,185 |
| Department of Justice | $375,000 |
| Department of Homeland Security | $55,601 |
| General Services Administration | $27,189 |
That is $19,321 per covered job, against 25,265 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $488.1 m / 25,265 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,321
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 #
Rutland County, VT: 12 findings, 3 at a watch level and 9 noted
watchRutland County, VT's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchRutland County, VT's years of wages of 5.1 scores 67 on the 0-to-100 scale across US counties but 8 across Vermont counties, a gap of 59 points.
Period 2026-09.Show the arithmetic
- 59 = |67 across US counties - 8 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
watchRutland County, VT's typical home value of $315,512 scores 73 on the 0-to-100 scale across US counties but 23 across Vermont counties, a gap of 50 points.
Period 2026-09.Show the arithmetic
- 50 = |73 across US counties - 23 across Vermont counties|
position among the entities that published this metric this period; not an official level
noteRutland County, VT's covered employment was 1.5% 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
- -1.5 % = 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
noteRutland County, VT's average weekly wage was 1.1% 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
- +1.1 % = 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.