Gunnison County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.67, -107.06.
Assembled 2026-10-06. Read the brief.
- 97th pct · 64th of 3,063 US counties · median $234,566
- 88th pct · 8th of 62 Colorado counties · median $450,011
- 59th pct · 1,239th of 3,063 US counties · median +2.9%
- 86th pct · 9th of 62 Colorado counties · median +0.2%
- 93rd pct · 88th of 1,399 US counties · median $1,496
- 73rd pct · 10th of 35 Colorado counties · median $1,975
- 53rd pct · 1,512th of 3,221 US counties · median 8,232
- 66th pct · 22nd of 64 Colorado counties · median 4,853
- 57th pct · 1,353rd of 3,221 US counties · median $1,039
- 50th pct · 32nd of 64 Colorado counties · median $1,075
- 99th pct · 28th of 3,063 US counties · median 4.3
- 88th pct · 8th 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 $723,483 (Aug 2026), +3.8% over one year, +23.9% over five
- 97th pct · 64th of 3,063 US counties · median $234,566
- 88th pct · 8th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Gunnison County, CO | $723,483 · +3.8% 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 $2,475/mo (Aug 2026), n/a over one year; price-to-rent 24.4
- 93rd pct · 88th of 1,399 US counties · median $1,496
- 73rd pct · 10th of 35 Colorado counties · median $1,975
| Item | Value | Distance |
|---|---|---|
| Gunnison County, CO | $2,475/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 $3,960 a month on $723,483 at 7.28%, against an average weekly wage worth $4,667 a month: 84.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $723,483 × 80% = $578,787, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,960/mo principal and interest
- wage share = payment / (avg weekly wage $1,077 × 52 / 12 = $4,667) = 85% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $723,483 / ($1,077 × 52) = 12.9
- price-to-rent = $723,483 / ($2,475 × 12) = 24.4
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 #
9,276 jobs at 1,367 employers (2026 Q1); -4.3% jobs and +5.8% average weekly wage over the year
- 53rd pct · 1,512th of 3,221 US counties · median 8,232
- 66th pct · 22nd of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Gunnison County, CO | 9,276 jobs · $1,077/wk · -4.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,482 | $717 | 1.78 | -6.9% |
| Arts, entertainment and recreation | 1,006 | $725 | 6.59 | -3.6% |
| Retail trade | 976 | $735 | 1.08 | -7.4% |
| Construction | 820 | $1,211 | 1.69 | -9.5% |
| Professional and technical services | 389 | $1,937 | 0.61 | -2.0% |
| Health care and social assistance | 361 | $805 | 0.26 | +1.4% |
| Mining, oil and gas | 349 | $2,027 | 10.57 | +0.0% |
| Real estate and rental | 303 | $1,040 | 2.13 | -6.5% |
| Other services | 248 | $886 | 0.89 | -13.9% |
| Administrative and waste services | 211 | $1,030 | 0.40 | -17.3% |
| Manufacturing | 209 | $888 | 0.28 | +0.0% |
| Transportation and warehousing | 156 | $846 | 0.40 | -3.7% |
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 #
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 #
8 USGS reservoir gauges, no capacity figures to weight
Sites found: 8, 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 |
|---|---|---|
| PAONIA RESERVOIR NEAR BARDINE, CO | 364.4 Acre-ft (USGS, no capacity on file) | 40 km |
| TAYLOR PARK RESERVOIR AT TAYLOR PARK, CO. | 51,530 Acre-ft (USGS, no capacity on file) | 42 km |
| CRAWFORD RESERVOIR NEAR CRAWFORD, CO | 1,164 Acre-ft (USGS, no capacity on file) | 48 km |
| SILVER JACK RESERVOIR NEAR CIMARRON, CO | 1,152 Acre-ft (USGS, no capacity on file) | 64 km |
| RIDGWAY RESERVOIR NEAR RIDGWAY, CO | 64,830 Acre-ft (USGS, no capacity on file) | 78 km |
| FRUIT GROWERS RESERVOIR NEAR ORCHARD CITY, CO | 79.8 Acre-ft (USGS, no capacity on file) | 80 km |
| VEGA RESERVOIR NEAR COLLBRAN, CO | 2,834 Acre-ft (USGS, no capacity on file) | 90 km |
| RIFLE GAP RESERVOIR NEAR RIFLE, CO | 1,722 Acre-ft (USGS, no capacity on file) | 122 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 #
92 gauges · 0 flooding · 38 with quality panels averaging 96 % · 45 stale
Sites found: 92, 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-382427107491401 | cond. 2,860 uS/cm · quality 0 % (1) · STALE | 73 km |
| ANTHRACITE CREEK ABOVE MOUTH NEAR SOMERSET | flow 47.6 ft³/s · quality 50 % (2) | 40 km |
| OHIO CREEK NEAR BALDWIN, CO. | flow 17.9 ft³/s | 6 km |
| CASTLE CREEK ABOVE MOUTH NEAR BALDWIN, CO | flow 5.90 ft³/s · STALE | 11 km |
| USGS-383541106554201 | temp 8.00 °C · quality 100 % (1) · STALE | 14 km |
| OHIO CREEK ABOVE MOUTH NR GUNNISON, CO | flow 26.6 ft³/s | 14 km |
| USGS-383334106555400 | cond. 409.0 uS/cm · quality 100 % (1) · STALE | 16 km |
| USGS-383320106555401 | cond. 382.0 uS/cm · quality 100 % (1) · STALE | 17 km |
| GUNNISON RIVER NEAR GUNNISON, CO. | flow 219.0 ft³/s · quality 100 % (5) · no flooding | 17 km |
| USGS-383103106594200 | flow 292.0 ft³/s | 18 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 #
16 wells in 0 named aquifers:
Sites found: 16, 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-383541106554201 | level 7,793 ft · 2026-07-20 | 14 km |
| USGS-383334106555400 | level 7,700 ft · 2024-04-15 | 16 km |
| USGS-383320106555401 | level 7,692 ft · 2024-04-15 | 17 km |
| USGS-383232106554700 | level 7,667 ft · 2024-04-15 | 18 km |
| USGS-384356106510801 | level 8,246 ft · 2026-07-21 | 19 km |
| USGS-384425106512101 | level 8,278 ft · 2026-07-20 | 19 km |
| USGS-384542106515101 | level 8,359 ft · 2026-07-20 | 20 km |
| USGS-384540106513001 | level 8,376 ft · 2026-07-20 | 20 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 #
moderate (0.49)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.04 / 0.55
Banks & federal dollars #
$663.0 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,230, highly concentrated. $99.3 m federal obligations in FY2026 (direct payments $67.6 m, grants $23.5 m), $10,707 per covered job
| Item | Value | Distance |
|---|---|---|
| The Gunnison Bank and Trust Company | $209.8 m · 31.6% share · 2 offices | |
| NBH Bank | $143.1 m · 21.6% share · 2 offices | |
| BMO Bank National Association | $134.1 m · 20.2% share · 2 offices | |
| Gunnison, CO | $99.3 m FY2026 · $10,707/job | |
| MULTIPLE RECIPIENTS | $63.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Gunnison Bank and Trust Company | $209,805,000 | 31.6% | 2 |
| NBH Bank | $143,099,000 | 21.6% | 2 |
| BMO Bank National Association | $134,067,000 | 20.2% | 2 |
| Wells Fargo Bank, National Association | $92,542,000 | 14.0% | 1 |
| Gunnison Savings and Loan Association | $83,448,000 | 12.6% | 1 |
Deposit concentration is 2,230 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 = 31.6² + 21.6² + 20.2² + … (2 more) = 2,230
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 | $58,348,238 |
| Department of Transportation | $20,242,721 |
| Department of the Interior | $7,727,403 |
| Department of Veterans Affairs | $5,166,733 |
| Department of Education | $4,869,886 |
| Department of Health and Human Services | $1,379,790 |
| Department of Agriculture | $949,359 |
| Department of Housing and Urban Development | $399,068 |
| Federal Communications Commission | $150,312 |
| Railroad Retirement Board | $72,700 |
| Environmental Protection Agency | $55,000 |
| Small Business Administration | $0 |
That is $10,707 per covered job, against 9,276 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $99.3 m / 9,276 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,707
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 · % | 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 #
Gunnison County, CO: 12 findings, 1 at an alert level, 4 at a watch level and 7 noted
alertGunnison County, CO's covered employment is -4.3% 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 = -4.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchGunnison County, CO's years of wages of 12.9 ranks 28th 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 = 99.11822338340953 >= 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
watchGunnison County, CO's covered employment is -4.3% 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 = -4.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchGunnison County, CO's years of wages is 12.9, 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 = 12.918422297384762 >= 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
watchGunnison County, CO's price-to-rent ratio of 24.4 ranks 110th 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 = 92.20314735336194 >= 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.