Hinsdale County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.81, -107.38.
Assembled 2026-10-06. Read the brief.
- 92nd pct · 232nd of 3,063 US counties · median $234,566
- 57th pct · 27th of 62 Colorado counties · median $450,011
- 25th pct · 2,291st of 3,063 US counties · median +2.9%
- 52nd pct · 30th of 62 Colorado counties · median +0.2%
- US counties: not published this period
- Colorado counties: not published this period
- 0th pct · 3,203rd of 3,221 US counties · median 8,232
- 0th pct · 64th of 64 Colorado counties · median 4,853
- 4th pct · 3,080th of 3,221 US counties · median $1,039
- 1st pct · 63rd of 64 Colorado counties · median $1,075
- 98th pct · 41st of 3,063 US counties · median 4.3
- 83rd pct · 11th 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 $481,339 (Aug 2026), +0.5% over one year, +16.9% over five
- 92nd pct · 232nd of 3,063 US counties · median $234,566
- 57th pct · 27th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Hinsdale County, CO | $481,339 · +0.5% 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 #
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
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 $2,635 a month on $481,339 at 7.28%, against an average weekly wage worth $3,345 a month: 78.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $481,339 × 80% = $385,071, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,635/mo principal and interest
- wage share = payment / (avg weekly wage $772 × 52 / 12 = $3,345) = 79% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $481,339 / ($772 × 52) = 12.0
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 #
239 jobs at 78 employers (2026 Q1); -9.5% jobs and +15.4% average weekly wage over the year
- 0th pct · 3,203rd of 3,221 US counties · median 8,232
- 0th pct · 64th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Hinsdale County, CO | 239 jobs · $772/wk · -9.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Other services | 11 | $647 | 1.54 | +0.0% |
| Unclassified | 1 | $32 | 1.97 | +100.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | withheld | |||
| Wholesale trade | withheld | |||
| Retail trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | withheld |
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 #
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 |
|---|---|---|
| SILVER JACK RESERVOIR NEAR CIMARRON, CO | 1,149 Acre-ft (USGS, no capacity on file) | 49 km |
| VALLECITO RESERVOIR NEAR BAYFIELD, CO. | 40,320 Acre-ft (USGS, no capacity on file) | 51 km |
| LEMON RESERVOIR NEAR DURANGO CO | 22,430 Acre-ft (USGS, no capacity on file) | 54 km |
| RIDGWAY RESERVOIR NEAR RIDGWAY, CO | 64,820 Acre-ft (USGS, no capacity on file) | 58 km |
| CRAWFORD RESERVOIR NEAR CRAWFORD, CO | 1,164 Acre-ft (USGS, no capacity on file) | 100 km |
| FRUIT GROWERS RESERVOIR NEAR ORCHARD CITY, CO | 79.8 Acre-ft (USGS, no capacity on file) | 123 km |
| PAONIA RESERVOIR NEAR BARDINE, CO | 364.4 Acre-ft (USGS, no capacity on file) | 126 km |
| TAYLOR PARK RESERVOIR AT TAYLOR PARK, CO. | 51,520 Acre-ft (USGS, no capacity on file) | 131 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 #
41 gauges · 0 flooding · 13 with quality panels averaging 94 % · 7 stale
Sites found: 41, 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 |
|---|---|---|
| MINERAL CREEK AT SILVERTON, CO | flow 111.0 ft³/s · quality 67 % (3) | 25 km |
| CEMENT CREEK AT SILVERTON, CO | flow 20.3 ft³/s · quality 67 % (3) | 25 km |
| LAKE FORK BLW LAKE SAN CRISTOBAL NR LAKE CITY, CO | flow 100.0 ft³/s | 21 km |
| ANIMAS RIVER AT SILVERTON, CO. | flow 114.0 ft³/s · quality 100 % (3) | 24 km |
| HENSON CREEK AT LAKE CITY, CO | flow 61.0 ft³/s | 25 km |
| ANIMAS RIVER BELOW SILVERTON, CO | flow 224.0 ft³/s · quality 100 % (4) | 25 km |
| UNCOMPAHGRE RIVER NEAR OURAY, CO | flow 73.8 ft³/s | 37 km |
| VALLECITO CREEK NEAR BAYFIELD, CO. | flow 201.0 ft³/s · quality 100 % (1) | 40 km |
| CASCADE CR BLW CASCADE CR DIVERSION NR ROCKWOOD CO | flow 46.5 ft³/s | 42 km |
| CASCADE CR ABV CASCADE CR DIVERSION NR ROCKWOOD CO | flow 47.4 ft³/s | 42 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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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 (0.34)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.06 / 0.55
Banks & federal dollars #
$21.4 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $20,894 federal obligations in FY2026 (grants $24,181), $87 per covered job
| Item | Value | Distance |
|---|---|---|
| NBH Bank | $21.4 m · 100.0% share · 1 office | |
| Hinsdale, CO | $20,894 FY2026 · $87/job | |
| MULTIPLE RECIPIENTS | $5.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| NBH Bank | $21,420,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $5,167,976 |
| Department of Veterans Affairs | $684,012 |
| Railroad Retirement Board | $77,821 |
| Department of Agriculture | $57,914 |
| Department of Education | $12,588 |
| Department of Transportation | $11,593 |
| Department of Energy | $0 |
| Department of the Interior | -$2,150 |
That is $87 per covered job, against 239 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $20,894 / 239 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $87
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 #
Hinsdale County, CO: 15 findings, 1 at an alert level, 4 at a watch level and 10 noted
alertHinsdale County, CO's covered employment is -9.5% 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 = -9.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchHinsdale County, CO's covered employment is -9.5% 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 = -9.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHinsdale County, CO's years of wages of 12.0 ranks 41st 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 = 98.69366427171784 >= 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
watchHinsdale County, CO's years of wages is 12.0, 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 = 11.99030887013758 >= 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
watchHinsdale County, CO's typical home value of $481,339 scores 92 on the 0-to-100 scale across US counties but 57 across Colorado counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |92 across US counties - 57 across Colorado counties|
position among the entities that published this metric this period; 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.