Snohomish County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 48.05, -121.77.
Assembled 2026-10-19. Read the brief.
- 98th pct · 62nd of 3,063 US counties · median $230,451
- 94th pct · 3rd of 39 Washington counties · median $428,499
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
- 10th pct · 2,737th of 3,062 US counties · median +2.9%
- 10th pct · 35th of 39 Washington counties · median +0.2%
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
- 90th pct · 131st of 1,358 US counties · median $1,506
- 92nd pct · 3rd of 27 Washington counties · median $1,705
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
- 96th pct · 105th of 3,221 US counties · median 8,232
- 94th pct · 3rd of 39 Washington counties · median 18,771
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
- 96th pct · 108th of 3,221 US counties · median $1,039
- 97th pct · 2nd of 39 Washington counties · median $1,237
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
- 93rd pct · 213th of 3,063 US counties · median 4.2
- 73rd pct · 11th of 39 Washington counties · median 6.7
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
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 $728,217 (Sep 2026), -1.8% over one year, +14.6% over five
- 98th pct · 62nd of 3,063 US counties · median $230,451
- 94th pct · 3rd of 39 Washington counties · median $428,499
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Snohomish County, WA | $728,217 · -1.8% 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 $2,198/mo (Sep 2026), +2.2% over one year; price-to-rent 27.6
- 90th pct · 131st of 1,358 US counties · median $1,506
- 92nd pct · 3rd of 27 Washington counties · median $1,705
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Snohomish County, WA | $2,198/mo · +2.2% 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 $4,034 a month on $728,217 at 7.40%, against an average weekly wage worth $7,622 a month: 52.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $728,217 × 80% = $582,574, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $4,034/mo principal and interest
- wage share = payment / (avg weekly wage $1,759 × 52 / 12 = $7,622) = 53% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $728,217 / ($1,759 × 52) = 8.0
- price-to-rent = $728,217 / ($2,198 × 12) = 27.6
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 #
300,220 jobs at 20,903 employers (2026 Q1); +0.9% jobs and +6.5% average weekly wage over the year
- 96th pct · 105th of 3,221 US counties · median 8,232
- 94th pct · 3rd of 39 Washington counties · median 18,771
- counties in the Seattle-Tacoma-Bellevue metro: Rank context is unavailable: the manifest lists 3 counties in the Seattle-Tacoma-Bellevue metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Snohomish County, WA | 300,220 jobs · $1,759/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 56,652 | $2,895 | 2.35 | +0.9% |
| Health care and social assistance | 38,462 | $1,408 | 0.85 | +2.7% |
| Retail trade | 33,866 | $929 | 1.16 | -0.7% |
| Accommodation and food services | 23,660 | $624 | 0.88 | +1.1% |
| Construction | 23,210 | $1,530 | 1.47 | -1.2% |
| Professional and technical services | 17,001 | $3,019 | 0.82 | +3.4% |
| Administrative and waste services | 13,427 | $1,121 | 0.79 | -3.1% |
| Wholesale trade | 8,716 | $2,137 | 0.76 | -3.0% |
| Finance and insurance | 8,545 | $2,752 | 0.70 | +2.0% |
| Transportation and warehousing | 8,085 | $1,225 | 0.64 | +0.0% |
| Other services | 7,948 | $1,042 | 0.89 | +2.7% |
| Arts, entertainment and recreation | 5,140 | $594 | 1.04 | +35.2% |
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 #
$20.1 bn in deposits at 140 offices of 22 banks (SOD June 2026); HHI 1,253, moderately concentrated. $4.7 bn federal obligations in FY2026 (direct payments $4.2 bn, contracts $343.7 m), $15,740 per covered job
| Item | Value | Distance |
|---|---|---|
| Coastal Community Bank | $4.7 bn · 23.2% share · 12 offices | |
| JPMorgan Chase Bank, National Association | $3.3 bn · 16.2% share · 17 offices | |
| Bank of America, National Association | $3.0 bn · 15.0% share · 16 offices | |
| Snohomish, WA | $4.7 bn FY2026 · $15,740/job | |
| MULTIPLE RECIPIENTS | $3.9 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Coastal Community Bank | $4,667,545,000 | 23.2% | 12 |
| JPMorgan Chase Bank, National Association | $3,258,426,000 | 16.2% | 17 |
| Bank of America, National Association | $3,019,714,000 | 15.0% | 16 |
| Wells Fargo Bank, National Association | $1,813,089,000 | 9.0% | 16 |
| U.S. Bank National Association | $1,692,142,000 | 8.4% | 14 |
| KeyBank National Association | $845,050,000 | 4.2% | 14 |
| 1st Security Bank of Washington | $798,779,000 | 4.0% | 4 |
| WaFd Bank | $595,582,000 | 3.0% | 9 |
| Mountain Pacific Bank | $530,833,000 | 2.6% | 2 |
| Columbia Bank | $526,839,000 | 2.6% | 8 |
Deposit concentration is 1,253 across 22 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 22 banks with deposits in the county = 23.2² + 16.2² + 15.0² + … (19 more) = 1,253
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 | $3,535,212,621 |
| Department of Veterans Affairs | $531,337,791 |
| Department of Housing and Urban Development | $186,152,459 |
| Department of Defense | $136,284,250 |
| Department of Transportation | $115,157,921 |
| Department of Agriculture | $59,141,461 |
| Department of the Interior | $47,379,222 |
| Environmental Protection Agency | $35,791,287 |
| Department of Education | $22,367,621 |
| Railroad Retirement Board | $17,627,990 |
| Department of Health and Human Services | $15,160,942 |
| Department of Commerce | $7,503,687 |
That is $15,740 per covered job, against 300,220 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.7 bn / 300,220 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,740
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 #
Snohomish County, WA: 17 findings, 4 at a watch level and 13 noted
watchSnohomish County, WA's price-to-rent ratio of 27.6 ranks 40th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 97.12601326455416 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchSnohomish County, WA's years of wages of 8.0 ranks 213th 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 = 93.0764206401045 >= 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
watchSnohomish County, WA's price-to-rent ratio is 27.6, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, 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: priceToRent = 27.61192154816559 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchSnohomish County, WA's typical home value is -1.8% 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 = -1.841368097756891 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteSnohomish County, WA's average weekly wage was 6.5% 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
- +6.5 % = 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
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.