Gilpin County, CO

Home values #

Typical home $533,595 (Aug 2026), -4.2% over one year, +8.5% over five

• 94th pct · 160th of 3,063 US counties · median $234,566
• 67th pct · 21st of 62 Colorado counties · median $450,011
• 44th pct · 6th of 10 counties in the Denver-Aurora-Centennial metro · median $544,485

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
• Colorado counties: not published this period
• counties in the Denver-Aurora-Centennial metro: 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 $2,921 a month on $533,595 at 7.28%, against an average weekly wage worth $5,490 a month: 53.2% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $533,595 × 80% = $426,876, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,921/mo principal and interest
• wage share = payment / (avg weekly wage $1,267 × 52 / 12 = $5,490) = 53% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $533,595 / ($1,267 × 52) = 8.1

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 #

4,694 jobs at 230 employers (2026 Q1); -0.4% jobs and +3.3% average weekly wage over the year

• 35th pct · 2,077th of 3,221 US counties · median 8,232
• 49th pct · 33rd of 64 Colorado counties · median 4,853
• 22nd pct · 8th of 10 counties in the Denver-Aurora-Centennial metro · median 94,239

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 #

2 USGS reservoir gauges, no capacity figures to weight

Sites found: 2, 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 #

233 gauges · 0 flooding · 34 with quality panels averaging 98 % · 96 stale

Sites found: 233, 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 #

12 wells in 0 named aquifers:

Sites found: 12, 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 (0.32)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.02 / 0.55

Banks & federal dollars #

FDIC publishes no Summary of Deposits rows for this county. $34.8 m federal obligations in FY2026 (direct payments $34.2 m, grants $538,326), $7,413 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.

Federal obligations #

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

That is $7,413 per covered job, against 4,694 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $34.8 m / 4,694 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,413

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.

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 #

Gilpin County, CO: 10 findings, 3 at a watch level and 7 noted

1. watchGilpin County, CO's typical home value is -4.2% 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 = -4.154459345708078 < 0

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

2. watchGilpin County, CO's years of wages of 8.1 ranks 208th 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 = 93.23971260613978 >= 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

3. watchGilpin County, CO's covered employment is -0.4% 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 = -0.4 < 0

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

4. noteGilpin County, CO's average weekly wage was 3.3% 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

   • +3.3 % = 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

5. noteGilpin County, CO's covered employment was 0.4% 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

   • -0.4 % = 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 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.