Kiowa County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.39, -102.76.
Assembled 2026-10-06. Read the brief.
- 22nd pct · 2,379th of 3,063 US counties · median $234,566
- 4th pct · 59th of 62 Colorado counties · median $450,011
- 3rd pct · 2,941st of 3,063 US counties · median +2.9%
- 4th pct · 59th of 62 Colorado counties · median +0.2%
- US counties: not published this period
- Colorado counties: not published this period
- 1st pct · 3,159th of 3,221 US counties · median 8,232
- 4th pct · 61st of 64 Colorado counties · median 4,853
- 7th pct · 2,974th of 3,221 US counties · median $1,039
- 6th pct · 60th of 64 Colorado counties · median $1,075
- 43rd pct · 1,733rd of 3,063 US counties · median 4.3
- 9th pct · 56th 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 $167,048 (Aug 2026), -5.3% over one year, +4.6% over five
- 22nd pct · 2,379th of 3,063 US counties · median $234,566
- 4th pct · 59th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Kiowa County, CO | $167,048 · -5.3% 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 #
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 $914 a month on $167,048 at 7.28%, against an average weekly wage worth $3,519 a month: 26.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $167,048 × 80% = $133,639, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $914/mo principal and interest
- wage share = payment / (avg weekly wage $812 × 52 / 12 = $3,519) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $167,048 / ($812 × 52) = 4.0
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 #
477 jobs at 52 employers (2026 Q1); -1.2% jobs and +1.5% average weekly wage over the year
- 1st pct · 3,159th of 3,221 US counties · median 8,232
- 4th pct · 61st of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Kiowa County, CO | 477 jobs · $812/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 74 | $581 | 1.59 | -1.3% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld | |||
| Health care and social assistance | withheld | |||
| Accommodation and food 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 #
D1 moderate 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 |
|---|---|---|
| JOHN MARTIN RESERVOIR AT CADDOA, CO | 31,150 Acre-ft (USGS, no capacity on file) | 39 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 #
17 gauges · 0 flooding · 3 with quality panels averaging 50 % · 8 stale
Sites found: 17, 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 |
|---|---|---|
| ARKANSAS RIVER AT LAS ANIMAS, CO. | flow 86.3 ft³/s · quality 50 % (2) | 53 km |
| ARKANSAS RIVER BELOW JOHN MARTIN RESERVOIR, CO. | flow 3.96 ft³/s · quality 50 % (2) | 39 km |
| USGS-380117102023801 | temp 14.1 °C · quality 50 % (2) | 74 km |
| FORT LYON CANAL NEAR BIG BEND, CO | flow 0.00 ft³/s · STALE | 15 km |
| FT LYON CANAL WASTE TO AMITY CANAL NR. KORNMAN, CO | flow 3.40 ft³/s · STALE | 31 km |
| FORT LYON CANAL NEAR HASTY, CO. | flow 0.00 ft³/s · STALE | 32 km |
| ARKANSAS RIVER AT LAMAR, CO | flow 67.1 ft³/s · no flooding | 34 km |
| BIG SANDY CREEK NEAR LAMAR, CO. | flow 0.31 ft³/s · STALE | 39 km |
| ARKANSAS RIVER NEAR GRANADA, CO. | flow 156.0 ft³/s | 51 km |
| FORT LYON CANAL NEAR CORNELIA, CO | flow 0.00 ft³/s · STALE | 53 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-380009102350300 | depth 56.6 ft · 2001-09-29 | 45 km |
| USGS-380117102023801 | level 3,345 ft · 2026-10-05 | 74 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 (0.34)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.50 / 0.55
Banks & federal dollars #
$60.6 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $20.6 m federal obligations in FY2026 (direct payments $18.5 m, grants $2.2 m), $43,250 per covered job
| Item | Value | Distance |
|---|---|---|
| GNBank, National Association | $60.6 m · 100.0% share · 1 office | |
| Kiowa, CO | $20.6 m FY2026 · $43,250/job | |
| REDACTED DUE TO PII | $10.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| GNBank, National Association | $60,581,000 | 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 |
|---|---|
| Department of Agriculture | $12,367,575 |
| Social Security Administration | $7,500,161 |
| Department of Veterans Affairs | $479,188 |
| Department of Health and Human Services | $233,948 |
| Department of Housing and Urban Development | $36,965 |
| Railroad Retirement Board | $28,918 |
| Department of Education | $20,947 |
| Federal Communications Commission | $17,689 |
| Department of Transportation | $9,597 |
| Department of the Interior | -$64,697 |
That is $43,250 per covered job, against 477 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $20.6 m / 477 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $43,250
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 #
Kiowa County, CO: 19 findings, 1 at an alert level, 5 at a watch level and 13 noted
alertKiowa County, CO's typical home value is -5.3% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -5.305178375312842 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchKiowa County, CO's typical home value is -5.3% 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 = -5.305178375312842 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchKiowa County, CO's covered employment is -1.2% 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 = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchKiowa County, CO's momentum index is -0.25, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.25488864854045323 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
watchKiowa County, CO's years of wages of 4.0 scores 43 on the 0-to-100 scale across US counties but 10 across Colorado counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |43 across US counties - 10 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
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.