Spokane County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.62, -117.40.
Assembled 2026-10-19. Read the brief.
- 88th pct · 361st of 3,063 US counties · median $230,451
- 47th pct · 21st of 39 Washington counties · median $428,499
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 22nd pct · 2,360th of 3,062 US counties · median +2.9%
- 50th pct · 20th of 39 Washington counties · median +0.2%
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 50th pct · 675th of 1,358 US counties · median $1,506
- 26th pct · 20th of 27 Washington counties · median $1,705
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 95th pct · 139th of 3,221 US counties · median 8,232
- 92nd pct · 4th of 39 Washington counties · median 18,771
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 89th pct · 344th of 3,221 US counties · median $1,039
- 76th pct · 10th of 39 Washington counties · median $1,237
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 77th pct · 701st of 3,063 US counties · median 4.2
- 21st pct · 31st of 39 Washington counties · median 6.7
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley 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 $419,205 (Sep 2026), +0.2% over one year, +8.5% over five
- 88th pct · 361st of 3,063 US counties · median $230,451
- 47th pct · 21st of 39 Washington counties · median $428,499
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Spokane County, WA | $419,205 · +0.2% 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 #
Typical rent $1,510/mo (Sep 2026), +3.4% over one year; price-to-rent 23.1
- 50th pct · 675th of 1,358 US counties · median $1,506
- 26th pct · 20th of 27 Washington counties · median $1,705
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Spokane County, WA | $1,510/mo · +3.4% 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 $2,322 a month on $419,205 at 7.40%, against an average weekly wage worth $6,045 a month: 38.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $419,205 × 80% = $335,364, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,322/mo principal and interest
- wage share = payment / (avg weekly wage $1,395 × 52 / 12 = $6,045) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $419,205 / ($1,395 × 52) = 5.8
- price-to-rent = $419,205 / ($1,510 × 12) = 23.1
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 #
241,051 jobs at 15,959 employers (2026 Q1); -0.5% jobs and +4.3% average weekly wage over the year
- 95th pct · 139th of 3,221 US counties · median 8,232
- 92nd pct · 4th of 39 Washington counties · median 18,771
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Spokane County, WA | 241,051 jobs · $1,395/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 49,094 | $1,417 | 1.35 | +1.1% |
| Retail trade | 25,325 | $855 | 1.08 | -2.5% |
| Accommodation and food services | 19,563 | $585 | 0.90 | -0.4% |
| Manufacturing | 16,229 | $1,589 | 0.84 | +0.8% |
| Construction | 13,422 | $1,348 | 1.06 | +1.9% |
| Professional and technical services | 12,123 | $1,939 | 0.73 | +3.0% |
| Administrative and waste services | 11,776 | $1,144 | 0.86 | -4.0% |
| Transportation and warehousing | 10,890 | $1,131 | 1.07 | -0.7% |
| Wholesale trade | 10,432 | $1,722 | 1.13 | -0.4% |
| Finance and insurance | 8,639 | $2,803 | 0.88 | -6.4% |
| Other services | 6,708 | $984 | 0.93 | +0.6% |
| Educational services | 4,971 | $1,028 | 0.96 | -0.9% |
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 #
D3 extreme 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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$10.6 bn in deposits at 81 offices of 16 banks (SOD June 2026); HHI 1,657, moderately concentrated. $3.8 bn federal obligations in FY2026 (direct payments $3.4 bn, contracts $226.3 m), $15,926 per covered job
| Item | Value | Distance |
|---|---|---|
| Washington Trust Bank | $3.5 bn · 32.9% share · 16 offices | |
| Wells Fargo Bank, National Association | $1.3 bn · 12.0% share · 4 offices | |
| U.S. Bank National Association | $1.1 bn · 10.6% share · 10 offices | |
| Spokane, WA | $3.8 bn FY2026 · $15,926/job | |
| MULTIPLE RECIPIENTS | $3.3 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Washington Trust Bank | $3,472,179,000 | 32.9% | 16 |
| Wells Fargo Bank, National Association | $1,262,033,000 | 12.0% | 4 |
| U.S. Bank National Association | $1,120,768,000 | 10.6% | 10 |
| JPMorgan Chase Bank, National Association | $1,080,225,000 | 10.2% | 8 |
| Banner Bank | $945,452,000 | 9.0% | 9 |
| Bank of America, National Association | $892,279,000 | 8.5% | 5 |
| Columbia Bank | $519,222,000 | 4.9% | 6 |
| First Interstate Bank | $508,408,000 | 4.8% | 8 |
| RiverBank | $275,238,000 | 2.6% | 3 |
| Glacier Bank | $252,865,000 | 2.4% | 3 |
Deposit concentration is 1,657 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 32.9² + 12.0² + 10.6² + … (12 more) = 1,657
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 | $2,748,534,940 |
| Department of Veterans Affairs | $558,741,512 |
| Department of Housing and Urban Development | $123,117,969 |
| Department of Agriculture | $102,724,134 |
| Department of Transportation | $65,594,515 |
| Department of Education | $64,633,275 |
| Department of Defense | $56,395,442 |
| Department of Health and Human Services | $43,981,529 |
| Railroad Retirement Board | $39,780,162 |
| Environmental Protection Agency | $11,199,604 |
| Federal Communications Commission | $6,332,722 |
| Department of Justice | $5,890,708 |
That is $15,926 per covered job, against 241,051 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.8 bn / 241,051 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,926
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 #
Spokane County, WA: 11 findings, 4 at a watch level and 7 noted
watchSpokane County, WA's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSpokane County, WA's years of wages of 5.8 scores 77 on the 0-to-100 scale across US counties but 21 across Washington counties, a gap of 56 points.
Period 2026-09.Show the arithmetic
- 56 = |77 across US counties - 21 across Washington 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
watchSpokane County, WA's typical home value of $419,205 scores 88 on the 0-to-100 scale across US counties but 47 across Washington counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |88 across US counties - 47 across Washington counties|
position among the entities that published this metric this period; not an official level
watchSpokane County, WA's price-to-rent ratio of 23.1 scores 88 on the 0-to-100 scale across US counties but 50 across Washington counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |88 across US counties - 50 across Washington 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
noteSpokane County, WA's average weekly wage was 4.3% 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
- +4.3 % = 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 11 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.