Archuleta County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.20, -107.05.
Assembled 2026-10-06. Read the brief.
- 95th pct · 130th of 3,063 US counties · median $234,566
- 73rd pct · 17th of 62 Colorado counties · median $450,011
- 15th pct · 2,591st of 3,063 US counties · median +2.9%
- 37th pct · 39th of 62 Colorado counties · median +0.2%
- 82nd pct · 242nd of 1,399 US counties · median $1,496
- 52nd pct · 17th of 35 Colorado counties · median $1,975
- 35th pct · 2,090th of 3,221 US counties · median 8,232
- 47th pct · 34th of 64 Colorado counties · median 4,853
- 33rd pct · 2,145th of 3,221 US counties · median $1,039
- 23rd pct · 49th of 64 Colorado counties · median $1,075
- 98th pct · 47th of 3,063 US counties · median 4.3
- 81st pct · 12th of 62 Colorado counties · median 6.5
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 $571,873 (Aug 2026), -0.9% over one year, +20.4% over five
- 95th pct · 130th of 3,063 US counties · median $234,566
- 73rd pct · 17th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Archuleta County, CO | $571,873 · -0.9% 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 #
Typical rent $1,988/mo (Aug 2026), n/a over one year; price-to-rent 24.0
- 82nd pct · 242nd of 1,399 US counties · median $1,496
- 52nd pct · 17th of 35 Colorado counties · median $1,975
| Item | Value | Distance |
|---|---|---|
| Archuleta County, CO | $1,988/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 $3,130 a month on $571,873 at 7.28%, against an average weekly wage worth $4,182 a month: 74.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $571,873 × 80% = $457,499, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,130/mo principal and interest
- wage share = payment / (avg weekly wage $965 × 52 / 12 = $4,182) = 75% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $571,873 / ($965 × 52) = 11.4
- price-to-rent = $571,873 / ($1,988 × 12) = 24.0
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 #
4,624 jobs at 714 employers (2026 Q1); -3.4% jobs and -0.3% average weekly wage over the year
- 35th pct · 2,090th of 3,221 US counties · median 8,232
- 47th pct · 34th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Archuleta County, CO | 4,624 jobs · $965/wk · -3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,015 | $640 | 2.44 | -2.6% |
| Retail trade | 776 | $762 | 1.72 | +1.6% |
| Health care and social assistance | 520 | $810 | 0.75 | +0.4% |
| Construction | 359 | $981 | 1.48 | -27.3% |
| Real estate and rental | 188 | $933 | 2.65 | -3.1% |
| Other services | 182 | $888 | 1.32 | +0.0% |
| Professional and technical services | 132 | $1,749 | 0.41 | -3.6% |
| Administrative and waste services | 109 | $762 | 0.41 | -8.4% |
| Finance and insurance | 94 | $1,351 | 0.50 | +4.4% |
| Manufacturing | 51 | $673 | 0.14 | +0.0% |
| Wholesale trade | 37 | $2,568 | 0.21 | -17.8% |
| Arts, entertainment and recreation | 37 | $626 | 0.49 | -32.7% |
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 #
D2 severe 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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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.
| Site | Reading | Distance |
|---|---|---|
| VALLECITO RESERVOIR NEAR BAYFIELD, CO. | 40,320 Acre-ft (USGS, no capacity on file) | 51 km |
| LEMON RESERVOIR NEAR DURANGO CO | 22,470 Acre-ft (USGS, no capacity on file) | 58 km |
| SILVER JACK RESERVOIR NEAR CIMARRON, CO | 1,152 Acre-ft (USGS, no capacity on file) | 122 km |
| RIDGWAY RESERVOIR NEAR RIDGWAY, CO | 64,850 Acre-ft (USGS, no capacity on file) | 131 km |
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 #
45 gauges · 0 flooding · 5 with quality panels averaging 98 % · 19 stale
Sites found: 45, 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.
| Site | Reading | Distance |
|---|---|---|
| SAN JUAN RIVER NEAR CO RD 119 AT PAGOSA SPRINGS CO | temp 11.3 °C · quality 100 % (2) | 7 km |
| SAN JUAN RIVER AT PAGOSA SPRINGS, CO | flow 360.0 ft³/s · no flooding | 8 km |
| Rio Blanco Near Blanco Dam | no readings | 21 km |
| WEST FORK SAN JUAN RIVER NEAR PAGOSA SPRINGS, CO | flow 35.0 ft³/s · STALE | 25 km |
| NAVAJO RIVER AT EDITH, CO. | flow 97.0 ft³/s · STALE | 26 km |
| NAVAJO RIVER NEAR DULCE, NM | flow 30.0 ft³/s · STALE | 28 km |
| EF SAN JUAN R AB SAND CREEK, NR PAGOSA SPGS, CO. | flow 17.0 ft³/s · STALE | 28 km |
| W FK SAN JUAN R AT W FK CAMPGR NR PAGOSA SPR, CO | flow 73.0 ft³/s · STALE | 30 km |
| WOLF CR AT WOLF CR CAMPGR NR PAGOSA SPR, CO | flow 21.0 ft³/s · STALE | 30 km |
| WINDY PASS CR NR PAGOSA SPR, CO. | flow 0.01 ft³/s · STALE | 30 km |
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 (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.03 / 0.55
Banks & federal dollars #
$469.0 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 1,994, highly concentrated. $137.7 m federal obligations in FY2026 (direct payments $116.1 m, grants $17.0 m), $29,775 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $121.4 m · 25.9% share · 1 office | |
| Bank of Colorado | $108.7 m · 23.2% share · 1 office | |
| Glacier Bank | $93.3 m · 19.9% share · 1 office | |
| Archuleta, CO | $137.7 m FY2026 · $29,775/job | |
| MULTIPLE RECIPIENTS | $114.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $121,390,000 | 25.9% | 1 |
| Bank of Colorado | $108,727,000 | 23.2% | 1 |
| Glacier Bank | $93,277,000 | 19.9% | 1 |
| TBK BANK, SSB | $77,126,000 | 16.4% | 2 |
| First Southwest Bank | $46,488,000 | 9.9% | 1 |
| RG Bank, A Savings and Loan Association | $21,957,000 | 4.7% | 1 |
Deposit concentration is 1,994 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 25.9² + 23.2² + 19.9² + … (3 more) = 1,994
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 | $103,154,086 |
| Department of Transportation | $15,081,270 |
| Department of Veterans Affairs | $10,691,198 |
| Department of Agriculture | $6,818,481 |
| Department of the Interior | $707,645 |
| Department of Housing and Urban Development | $564,362 |
| Railroad Retirement Board | $276,307 |
| Department of Health and Human Services | $208,282 |
| Federal Communications Commission | $179,949 |
That is $29,775 per covered job, against 4,624 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $137.7 m / 4,624 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,775
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 73.00 | 2026-10-06 | +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 | 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 · % | 4.20 | 2026-09-01 | +2.4% |
| 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 #
Archuleta County, CO: 16 findings, 1 at an alert level, 7 at a watch level and 8 noted
alertArchuleta County, CO's covered employment is -3.4% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchArchuleta County, CO's years of wages of 11.4 ranks 47th 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 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 98.4977139124755 >= 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
watchArchuleta County, CO's covered employment is -3.4% 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 = -3.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchArchuleta County, CO's years of wages is 11.4, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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 2026-08.Show the arithmetic
- test: yearsOfWages = 11.396440650113824 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchArchuleta County, CO's price-to-rent ratio of 24.0 ranks 125th of 1,399 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 2026-08.Show the arithmetic
- test: priceToRent percentile = 91.13018597997139 >= 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
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.