FIPS 04007, AZ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.80, -110.81.
Assembled 2026-10-02. Read the brief.
- 84th pct · 489th of 3,063 US counties · median $234,566
- 17th pct · 2,518th of 3,063 US counties · median +2.9%
- US counties: not published this period
- 65th pct · 1,111th of 3,221 US counties · median 8,232
- 73rd pct · 853rd of 3,221 US counties · median $1,039
- 82nd pct · 551st of 3,063 US counties · median 4.3
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 $385,560 (Aug 2026), -0.5% over one year, +15.9% over five
- 84th pct · 489th of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Gila County | $385,560 · -0.5% 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
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 $2,110 a month on $385,560 at 7.28%, against an average weekly wage worth $5,096 a month: 41.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $385,560 × 80% = $308,448, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,110/mo principal and interest
- wage share = payment / (avg weekly wage $1,176 × 52 / 12 = $5,096) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $385,560 / ($1,176 × 52) = 6.3
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 #
15,506 jobs at 1,114 employers (2026 Q1); +1.0% jobs and +2.2% average weekly wage over the year
- 65th pct · 1,111th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Gila County | 15,506 jobs · $1,176/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,099 | $661 | 1.39 | +4.6% |
| Accommodation and food services | 1,777 | $480 | 1.28 | -2.9% |
| Health care and social assistance | 1,478 | $1,185 | 0.63 | +1.9% |
| Manufacturing | 1,174 | $2,329 | 0.94 | -3.0% |
| Construction | 782 | $1,148 | 0.96 | +7.7% |
| Professional and technical services | 278 | $1,364 | 0.26 | -10.3% |
| Finance and insurance | 215 | $1,267 | 0.34 | -3.2% |
| Transportation and warehousing | 200 | $1,277 | 0.31 | -3.8% |
| Other services | 184 | $698 | 0.40 | +0.0% |
| Educational services | 143 | $732 | 0.43 | +37.5% |
| Arts, entertainment and recreation | 129 | $746 | 0.51 | -13.4% |
| Real estate and rental | 125 | $929 | 0.53 | -8.1% |
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.
Water #
Banks & federal dollars #
$926.2 m in deposits at 10 offices of 7 banks (SOD June 2026); HHI 1,957, highly concentrated. $622.7 m federal obligations in FY2026 (direct payments $499.8 m, grants $112.0 m), $40,159 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $301.8 m · 32.6% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $165.1 m · 17.8% share · 1 office | |
| WaFd Bank | $149.8 m · 16.2% share · 2 offices | |
| Gila, AZ | $622.7 m FY2026 · $40,159/job | |
| MULTIPLE RECIPIENTS | $467.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $301,842,000 | 32.6% | 2 |
| JPMorgan Chase Bank, National Association | $165,143,000 | 17.8% | 1 |
| WaFd Bank | $149,750,000 | 16.2% | 2 |
| Zions Bancorporation, N.A. | $109,638,000 | 11.8% | 1 |
| BMO Bank National Association | $92,120,000 | 9.9% | 2 |
| Enterprise Bank & Trust | $73,003,000 | 7.9% | 1 |
| PNC Bank, National Association | $34,732,000 | 3.7% | 1 |
Deposit concentration is 1,957 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 32.6² + 17.8² + 16.2² + … (4 more) = 1,957
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 | $420,587,209 |
| Department of Agriculture | $68,826,553 |
| Department of Veterans Affairs | $44,054,486 |
| Department of the Interior | $27,384,728 |
| Department of Transportation | $19,596,415 |
| Department of Education | $18,569,124 |
| Department of Housing and Urban Development | $10,523,912 |
| Department of Health and Human Services | $4,648,436 |
| Railroad Retirement Board | $2,992,842 |
| Department of Homeland Security | $2,992,577 |
| Federal Communications Commission | $1,004,262 |
| Small Business Administration | $809,840 |
That is $40,159 per covered job, against 15,506 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $622.7 m / 15,506 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,159
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +0.1% |
| 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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 · % | 4.10 | 2026-08-01 | +0.0% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
FIPS 04007, AZ: 5 findings, 1 at a watch level and 4 noted
watchFIPS 04007, AZ's typical home value is -0.5% 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 2026-08.Show the arithmetic
- test: home.yoyPct = -0.46055730917195375 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteFIPS 04007, AZ's average weekly wage was 2.2% 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
- +2.2 % = 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
noteFIPS 04007, AZ's covered employment was 1.0% 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 % = 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 FIPS 04007, AZ is due between 2026-09-25 and 2026-10-09, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-09-25 to 2026-10-09, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering FIPS 04007, AZ is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.