FIPS 08031, CO

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.76, -104.88.

Assembled 2026-10-02. Read the brief.

Typical home value
$531,802
as of August 2026
  • 94th pct · 161st of 3,063 US counties · median $234,566
Home value, one year
-2.0%
as of August 2026
  • 10th pct · 2,745th of 3,063 US counties · median +2.9%
Typical rent
$1,894
as of August 2026
  • 78th pct · 303rd of 1,399 US counties · median $1,496
Jobs
551,034
as of 2026 Q1-01
  • 98th pct · 49th of 3,221 US counties · median 8,232
Average weekly wage
$2,354
as of 2026 Q1-01
  • 99th pct · 23rd of 3,221 US counties · median $1,039
Years of wages per home
4.3
  • 51st pct · 1,489th 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $531,802 (Aug 2026), -2.0% over one year, -0.6% over five

  • 94th pct · 161st of 3,063 US counties · median $234,566
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.
ItemValueDistance
Denver County$531,802 · -2.0% 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $1,894/mo (Aug 2026), -0.4% over one year; price-to-rent 23.4

  • 78th pct · 303rd of 1,399 US counties · median $1,496
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
Denver County$1,894/mo · -0.4% 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 #

unavailableretrieved 2026-10-02There is no home value, mortgage rate or wage figure to put in the formula.

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 #

currentas of 2026 Q1retrieved 2026-10-02

551,034 jobs at 44,990 employers (2026 Q1); -1.1% jobs and +4.9% average weekly wage over the year

  • 98th pct · 49th of 3,221 US counties · median 8,232
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.
ItemValueDistance
Denver County551,034 jobs · $2,354/wk · -1.1% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Professional and technical services78,548$3,3042.07-1.0%
Health care and social assistance56,063$1,4210.68+1.2%
Accommodation and food services50,411$8481.02-1.2%
Transportation and warehousing35,835$2,2731.54+2.0%
Administrative and waste services33,784$1,3901.08+1.9%
Retail trade29,298$1,0070.55-4.3%
Finance and insurance28,782$5,7061.28-3.0%
Wholesale trade26,797$2,5771.27-4.1%
Construction21,755$2,0490.75+1.0%
Information18,015$4,6571.77-1.7%
Other services17,942$1,3201.09-1.8%
Manufacturing16,953$1,7460.38-5.4%

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 #

unavailableretrieved 2026-10-02County 08031 has no centroid in the offline manifest yet, and the water report is a search around a point.

Banks & federal dollars #

currentretrieved 2026-10-02

$61.1 bn in deposits at 163 offices of 45 banks (SOD June 2026); HHI 1,120, moderately concentrated. $5.9 bn federal obligations in FY2026 (direct payments $3.5 bn, contracts $2.4 bn), $10,782 per covered job

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.
ItemValueDistance
Wells Fargo Bank, National Association$12.2 bn · 20.0% share · 12 offices
U.S. Bank National Association$10.0 bn · 16.3% share · 14 offices
JPMorgan Chase Bank, National Association$9.6 bn · 15.7% share · 19 offices
Denver, CO$5.9 bn FY2026 · $10,782/job
MULTIPLE RECIPIENTS$2.9 bn · top recipient FY2026
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Wells Fargo Bank, National Association$12,187,911,00020.0%12
U.S. Bank National Association$9,967,533,00016.3%14
JPMorgan Chase Bank, National Association$9,571,042,00015.7%19
PNC Bank, National Association$4,543,411,0007.4%18
UMB Bank, National Association$4,123,719,0006.8%7
Bank of America, National Association$4,031,165,0006.6%7
KeyBank National Association$3,203,672,0005.2%8
BOKF, National Association$2,358,434,0003.9%4
First Western Trust Bank$1,515,613,0002.5%3
Zions Bancorporation, N.A.$1,390,965,0002.3%6

Deposit concentration is 1,120 across 43 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.

HHI = Σ (share %)² over 43 banks with deposits in the county = 20.0² + 16.3² + 15.7² + … (40 more) = 1,120

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 #

currentretrieved 2026-10-02

USAspending place-of-performance obligations for FY2026, by awarding agency.

USAspending, FY2026, place of performance in this county.
Awarding agencyObligations
Social Security Administration$2,198,260,041
Department of Defense$1,839,479,607
Department of Health and Human Services$710,075,715
Department of Education$662,526,684
Department of Housing and Urban Development$490,059,615
Department of Veterans Affairs$446,937,405
Department of Agriculture$158,851,471
Department of Transportation$94,491,287
Department of Homeland Security$62,384,702
Department of the Treasury$55,973,488
Environmental Protection Agency$26,925,315
General Services Administration$16,092,967

That is $10,782 per covered job, against 551,034 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $5.9 bn / 551,034 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,782

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 #

currentretrieved 2026-10-02

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrelunavailablenot published
30-year fixed mortgage rate · %unavailablenot published
Housing starts, annual rate · thousands of unitsunavailablenot published
Building permits, annual rate · thousands of unitsunavailablenot published
Case-Shiller US home price index · index, Jan 2000 = 100unavailablenot published
Unemployment rate · %unavailablenot published
US goods and services trade balance, monthly · $ millionsunavailablenot published
Retail sales excluding food services, monthly · $ millionsunavailablenot published

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 #

currentretrieved 2026-10-02

FIPS 08031, CO: 11 findings, 2 at a watch level and 9 noted

  1. watchFIPS 08031, CO's typical home value is -2.0% 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 = -1.9795424671154027 < 0

    arithmetic on Zillow ZHVI, county and metro files; not an official level

  2. watchFIPS 08031, CO's covered employment is -1.1% 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 = -1.1 < 0

    BLS QCEW over-the-year percent change, as published; not an official level

  3. noteFIPS 08031, CO's average weekly wage was 4.9% 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
    • +4.9 % = 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

  4. noteFIPS 08031, CO's covered employment was 1.1% 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
    • -1.1 % = 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

  5. noteFIPS 08031, CO's typical home value rose 0.3% from $530,300 in July 2026 to $531,802 in August 2026, on Zillow ZHVI.

    Period 2026-08.
    Show the arithmetic
    • +0.3% = (531802.1480723206 - 530300.1242110239) / 530300.1242110239 × 100
    • 531802.1480723206 = Zillow ZHVI, 2026-08
    • 530300.1242110239 = Zillow ZHVI, 2026-07

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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $531,802 / ($1,894 × 12) = 23.4
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 08031, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 08031, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change -2.0% / ±10% × 0.3, rent 1-yr change -0.4% / ±10% × 0.15, jobs over-the-year change -1.1% / ±3% × 0.3, avg weekly wage over-the-year change +4.9% / ±6% × 0.25
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:08031:2026 · period 2026-06-30 · retrieved 2026-10-02
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:08031:2026 · period 2026-06-30 · retrieved 2026-10-02 · HHI = Σ (share %)² over 43 banks with deposits in the county = 20.0² + 16.3² + 15.7² + … (40 more) = 1,120
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-02
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-02 · per job = FY2026 obligations $5.9 bn / 551,034 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,782
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_category:08031:FY2026 · period FY2026 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $531,802 / ($1,894 × 12) = 23.4.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 08031, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/08031.csv. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 08031, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/08031.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change -2.0% / ±10% × 0.3, rent 1-yr change -0.4% / ±10% × 0.15, jobs over-the-year change -1.1% / ±3% × 0.3, avg weekly wage over-the-year change +4.9% / ±6% × 0.25.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:08031:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A08031+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:08031:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-02. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 43 banks with deposits in the county = 20.0² + 16.3² + 15.7² + … (40 more) = 1,120.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-02.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: per job = FY2026 obligations $5.9 bn / 551,034 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,782.
  • U.S. Department of the Treasury. USAspending API. series spending_by_category:08031:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_category/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • County 08031 is not in the offline place manifest yet (21 of about 3,235 counties are), so its name and centroid have to come from upstream at request time.
  • FRED did not answer for the 30-year mortgage rate (MORTGAGE30US), so the monthly payment estimate is omitted rather than computed from a stale rate.
  • Mortgage rate not loaded (FRED), so the payment estimate is missing.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 2 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T01:37:32.522Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.