Grand County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.11, -106.11.
Assembled 2026-10-06. Read the brief.
- 98th pct · 59th of 3,063 US counties · median $234,566
- 90th pct · 7th of 62 Colorado counties · median $450,011
- 15th pct · 2,588th of 3,063 US counties · median +2.9%
- 39th pct · 38th of 62 Colorado counties · median +0.2%
- 95th pct · 68th of 1,399 US counties · median $1,496
- 85th pct · 6th of 35 Colorado counties · median $1,975
- 51st pct · 1,573rd of 3,221 US counties · median 8,232
- 61st pct · 25th of 64 Colorado counties · median 4,853
- 52nd pct · 1,525th of 3,221 US counties · median $1,039
- 42nd pct · 37th of 64 Colorado counties · median $1,075
- 99th pct · 25th of 3,063 US counties · median 4.3
- 90th pct · 7th 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 $743,232 (Aug 2026), -0.9% over one year, +11.3% over five
- 98th pct · 59th of 3,063 US counties · median $234,566
- 90th pct · 7th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Grand County, CO | $743,232 · -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 $2,567/mo (Aug 2026), +3.8% over one year; price-to-rent 24.1
- 95th pct · 68th of 1,399 US counties · median $1,496
- 85th pct · 6th of 35 Colorado counties · median $1,975
| Item | Value | Distance |
|---|---|---|
| Grand County, CO | $2,567/mo · +3.8% 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 $4,068 a month on $743,232 at 7.28%, against an average weekly wage worth $4,550 a month: 89.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $743,232 × 80% = $594,586, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $4,068/mo principal and interest
- wage share = payment / (avg weekly wage $1,050 × 52 / 12 = $4,550) = 89% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $743,232 / ($1,050 × 52) = 13.6
- price-to-rent = $743,232 / ($2,567 × 12) = 24.1
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 #
8,555 jobs at 1,013 employers (2026 Q1); +1.9% jobs and +2.9% average weekly wage over the year
- 51st pct · 1,573rd of 3,221 US counties · median 8,232
- 61st pct · 25th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Grand County, CO | 8,555 jobs · $1,050/wk · +1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,868 | $804 | 2.43 | +3.0% |
| Arts, entertainment and recreation | 1,762 | $752 | 12.51 | +5.7% |
| Retail trade | 789 | $848 | 0.95 | -8.4% |
| Construction | 775 | $1,275 | 1.73 | +3.3% |
| Real estate and rental | 336 | $1,037 | 2.56 | -11.6% |
| Health care and social assistance | 216 | $875 | 0.17 | -0.9% |
| Administrative and waste services | 212 | $951 | 0.44 | -1.9% |
| Manufacturing | 197 | $824 | 0.29 | +6.5% |
| Professional and technical services | 195 | $2,109 | 0.33 | -3.9% |
| Other services | 187 | $1,039 | 0.73 | +19.1% |
| Finance and insurance | 100 | $3,547 | 0.29 | +5.3% |
| Transportation and warehousing | 77 | $858 | 0.21 | -20.6% |
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 #
D4 exceptional 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 |
|---|---|---|
| WOLFORD MTN RESERVOIR NR KREMMLING, CO | 19,420 Acre-ft (USGS, no capacity on file) | 26 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 #
173 gauges · 0 flooding · 46 with quality panels averaging 98 % · 73 stale
Sites found: 173, 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 |
|---|---|---|
| COLORADO RIVER AT HOT SULPHUR SPRINGS, CO. | flow 80.0 ft³/s · observation not current · STALE | 4 km |
| COLORADO RIVER AT WINDY GAP, NEAR GRANBY, CO. | flow 67.4 ft³/s · no flooding | 9 km |
| WILLIAMS FORK BELOW WILLIAMS FORK RESERVOIR, CO | flow 79.2 ft³/s · no flooding | 12 km |
| Fraser River (CO) at Granby | observation not current | 12 km |
| Willow Creek (CO) at Willow Creek Reservoir | no readings | 12 km |
| Williams Fork (CO) at Williams Fork Reservoir | observation not current | 14 km |
| WILLIAMS FORK NEAR PARSHALL, CO | flow 6.61 ft³/s | 14 km |
| WILLOW CREEK BELOW WILLOW CREEK RESERVOIR, CO. | flow 7.40 ft³/s · no flooding | 15 km |
| Colorado River near Granby | no flooding | 18 km |
| TROUBLESOME CREEK NEAR PEARMONT, CO. | flow 14.0 ft³/s · STALE | 21 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-395648105485300 | level 8,572 ft · 2023-10-17 | 31 km |
| USGS-395605105473100 | level 8,656 ft · 2023-10-17 | 34 km |
| USGS-395448105453701 | level 9,516 ft · 2023-10-17 | 37 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 (0.64)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$425.3 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 2,170, highly concentrated. $85.9 m federal obligations in FY2026 (direct payments $78.0 m, grants $7.0 m), $10,045 per covered job
| Item | Value | Distance |
|---|---|---|
| United Business Bank | $129.1 m · 30.4% share · 4 offices | |
| Wells Fargo Bank, National Association | $85.7 m · 20.1% share · 1 office | |
| U.S. Bank National Association | $82.5 m · 19.4% share · 1 office | |
| Grand, CO | $85.9 m FY2026 · $10,045/job | |
| MULTIPLE RECIPIENTS | $77.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Business Bank | $129,142,000 | 30.4% | 4 |
| Wells Fargo Bank, National Association | $85,682,000 | 20.1% | 1 |
| U.S. Bank National Association | $82,480,000 | 19.4% | 1 |
| UMB Bank, National Association | $74,954,000 | 17.6% | 1 |
| BMO Bank National Association | $53,061,000 | 12.5% | 2 |
Deposit concentration is 2,170 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 30.4² + 20.1² + 19.4² + … (2 more) = 2,170
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 | $71,058,288 |
| Department of Transportation | $6,602,391 |
| Department of Veterans Affairs | $5,502,170 |
| Department of Agriculture | $1,050,297 |
| Department of Health and Human Services | $551,651 |
| Railroad Retirement Board | $470,052 |
| Department of the Interior | $329,421 |
| Department of Housing and Urban Development | $155,925 |
| Federal Communications Commission | $138,009 |
| Department of Education | $73,893 |
| Small Business Administration | $0 |
That is $10,045 per covered job, against 8,555 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $85.9 m / 8,555 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,045
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 | 2026-10-05 | +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 · % | 4.20 | 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 #
Grand County, CO: 13 findings, 4 at a watch level and 9 noted
watchGrand County, CO's years of wages of 13.6 ranks 25th 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 = 99.2161985630307 >= 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
watchGrand County, CO's years of wages is 13.6, 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 = 13.612308230812701 >= 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
watchGrand County, CO's price-to-rent ratio of 24.1 ranks 117th 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 = 91.70243204577969 >= 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
watchGrand County, CO's typical home value is -0.9% 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 = -0.8596615401705445 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteGrand County, CO's average weekly wage was 2.9% 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
- +2.9 % = 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
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.