Fremont County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.46, -105.42.
Assembled 2026-10-06. Read the brief.
- 77th pct · 685th of 3,063 US counties · median $234,566
- 40th pct · 37th of 62 Colorado counties · median $450,011
- 13th pct · 2,649th of 3,063 US counties · median +2.9%
- 32nd pct · 42nd of 62 Colorado counties · median +0.2%
- 36th pct · 883rd of 1,399 US counties · median $1,496
- 14th pct · 30th of 35 Colorado counties · median $1,975
- 62nd pct · 1,194th of 3,221 US counties · median 8,232
- 69th pct · 20th of 64 Colorado counties · median 4,853
- 70th pct · 952nd of 3,221 US counties · median $1,039
- 60th pct · 26th of 64 Colorado counties · median $1,075
- 74th pct · 771st of 3,063 US counties · median 4.3
- 37th pct · 39th 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 $339,666 (Aug 2026), -1.3% over one year, +15.5% over five
- 77th pct · 685th of 3,063 US counties · median $234,566
- 40th pct · 37th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Fremont County, CO | $339,666 · -1.3% 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 $1,359/mo (Aug 2026), +3.5% over one year; price-to-rent 20.8
- 36th pct · 883rd of 1,399 US counties · median $1,496
- 14th pct · 30th of 35 Colorado counties · median $1,975
| Item | Value | Distance |
|---|---|---|
| Fremont County, CO | $1,359/mo · +3.5% 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 $1,859 a month on $339,666 at 7.28%, against an average weekly wage worth $4,988 a month: 37.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $339,666 × 80% = $271,732, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,859/mo principal and interest
- wage share = payment / (avg weekly wage $1,151 × 52 / 12 = $4,988) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $339,666 / ($1,151 × 52) = 5.7
- price-to-rent = $339,666 / ($1,359 × 12) = 20.8
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 #
13,976 jobs at 1,148 employers (2026 Q1); -2.6% jobs and +4.2% average weekly wage over the year
- 62nd pct · 1,194th of 3,221 US counties · median 8,232
- 69th pct · 20th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Fremont County, CO | 13,976 jobs · $1,151/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,144 | $995 | 1.02 | +1.6% |
| Retail trade | 1,546 | $737 | 1.14 | -4.1% |
| Accommodation and food services | 1,200 | $474 | 0.96 | -3.1% |
| Construction | 697 | $1,190 | 0.95 | -4.7% |
| Manufacturing | 680 | $1,462 | 0.60 | +10.2% |
| Professional and technical services | 461 | $1,397 | 0.48 | -1.1% |
| Other services | 293 | $755 | 0.70 | -14.8% |
| Transportation and warehousing | 273 | $826 | 0.46 | -7.1% |
| Administrative and waste services | 256 | $1,017 | 0.32 | -9.5% |
| Finance and insurance | 214 | $1,405 | 0.38 | -7.8% |
| Arts, entertainment and recreation | 210 | $538 | 0.91 | -16.0% |
| Wholesale trade | 177 | $1,218 | 0.33 | -23.0% |
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| TAYLOR PARK RESERVOIR AT TAYLOR PARK, CO. | 51,520 Acre-ft (USGS, no capacity on file) | 110 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 #
91 gauges · 0 flooding · 31 with quality panels averaging 93 % · 38 stale
Sites found: 91, 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 |
|---|---|---|
| FOUNTAIN CREEK AT PUEBLO, CO. | flow 157.0 ft³/s · quality 50 % (3) · out of service | 74 km |
| B DITCH DRAIN NEAR SECURITY, CO. | flow 0.02 ft³/s · quality 50 % (2) · STALE | 66 km |
| CLOVER DITCH DRAIN AT QUINN ST NR WIDEFIELD, CO | flow 2.02 ft³/s · quality 50 % (2) | 65 km |
| Arkansas River at Parkdale | no flooding | 6 km |
| ARKANSAS RIVER AT CANON CITY, CO. | flow 304.0 ft³/s · quality 100 % (2) · no flooding | 15 km |
| FOURMILE CREEK NEAR CANON CITY, CO. | flow 10.0 ft³/s · STALE | 20 km |
| FOURMILE CREEK BELOW CRIPPLE CREEK NEAR VICTOR, CO | flow 4.15 ft³/s | 29 km |
| Grape Creek near Westcliffe | no flooding | 30 km |
| ARKANSAS RIVER AT PORTLAND, CO. | flow 373.0 ft³/s · quality 100 % (2) · no flooding | 36 km |
| BEAVER CR ABV UPPER BEAVER CEMETERY NR PENROSE, CO | flow 14.0 ft³/s | 37 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 #
22 wells in 2 named aquifers: Alluvial aquifers, Rio Grande aquifer system
Sites found: 22, 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 |
|---|---|---|
| USGS-381814105374301 | level 7,367 ft · 2019-11-11 | 24 km |
| SC02107307DDD | level 7,700 ft · 2019-11-11 | 28 km |
| NA04601223BAD | level 8,061 ft · 2019-11-11 | 30 km |
| Alluvial aquifers | level 8,431 ft · 2019-08-12 | 33 km |
| Alluvial aquifers | level 7,841 ft · 2019-11-14 | 37 km |
| Rio Grande aquifer system | level 7,900 ft · 2019-11-12 | 38 km |
| Alluvial aquifers | level 8,447 ft · 2019-11-12 | 40 km |
| Alluvial aquifers | level 8,581 ft · 2019-11-13 | 43 km |
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 (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.07 / 0.55
Banks & federal dollars #
$769.3 m in deposits at 10 offices of 9 banks (SOD June 2026); HHI 1,540, moderately concentrated. $377.3 m federal obligations in FY2026 (direct payments $338.1 m, contracts $24.0 m), $26,993 per covered job
| Item | Value | Distance |
|---|---|---|
| Sunflower Bank, National Association | $181.5 m · 23.6% share · 1 office | |
| Glacier Bank | $156.8 m · 20.4% share · 2 offices | |
| Wells Fargo Bank, National Association | $130.9 m · 17.0% share · 1 office | |
| Fremont, CO | $377.3 m FY2026 · $26,993/job | |
| MULTIPLE RECIPIENTS | $336.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Sunflower Bank, National Association | $181,453,000 | 23.6% | 1 |
| Glacier Bank | $156,808,000 | 20.4% | 2 |
| Wells Fargo Bank, National Association | $130,917,000 | 17.0% | 1 |
| High Country Bank | $66,652,000 | 8.7% | 1 |
| PB&T Bank | $65,728,000 | 8.5% | 1 |
| U.S. Bank National Association | $58,814,000 | 7.6% | 1 |
| Rocky Mountain Bank & Trust | $48,988,000 | 6.4% | 1 |
| First Interstate Bank | $34,035,000 | 4.4% | 1 |
| InBank | $25,857,000 | 3.4% | 1 |
Deposit concentration is 1,540 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 23.6² + 20.4² + 17.0² + … (6 more) = 1,540
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 | $278,300,903 |
| Department of Veterans Affairs | $61,637,925 |
| Department of Justice | $22,882,826 |
| Department of Transportation | $5,587,408 |
| Department of Health and Human Services | $2,872,730 |
| Railroad Retirement Board | $2,494,634 |
| Department of Agriculture | $1,386,895 |
| Department of the Interior | $1,121,140 |
| Department of Housing and Urban Development | $731,908 |
| Federal Communications Commission | $233,947 |
| Small Business Administration | $0 |
That is $26,993 per covered job, against 13,976 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $377.3 m / 13,976 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,993
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 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 #
Fremont County, CO: 10 findings, 5 at a watch level and 5 noted
watchFremont County, CO's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFremont County, CO's typical home value is -1.3% 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 = -1.2627435053549803 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchFremont County, CO's price-to-rent ratio of 20.8 scores 78 on the 0-to-100 scale across US counties but 29 across Colorado counties, a gap of 48 points.
Period 2026-08.Show the arithmetic
- 48 = |78 across US counties - 29 across Colorado 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
watchFremont County, CO's years of wages of 5.7 scores 75 on the 0-to-100 scale across US counties but 38 across Colorado counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |75 across US counties - 38 across Colorado 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
watchFremont County, CO's typical home value of $339,666 scores 78 on the 0-to-100 scale across US counties but 41 across Colorado counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |78 across US counties - 41 across Colorado counties|
position among the entities that published this metric this period; not an official level
Read all 10 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.