Mineral County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.55, -107.00.
Assembled 2026-10-06. Read the brief.
- 90th pct · 284th of 3,063 US counties · median $234,566
- 50th pct · 31st of 62 Colorado counties · median $450,011
- 59th pct · 1,237th of 3,063 US counties · median +2.9%
- 88th pct · 8th of 62 Colorado counties · median +0.2%
- US counties: not published this period
- Colorado counties: not published this period
- 4th pct · 3,082nd of 3,221 US counties · median 8,232
- 11th pct · 57th of 64 Colorado counties · median 4,853
- 17th pct · 2,668th of 3,221 US counties · median $1,039
- 12th pct · 56th of 64 Colorado counties · median $1,075
- 97th pct · 91st of 3,063 US counties · median 4.3
- 75th pct · 16th 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 $452,844 (Aug 2026), +3.8% over one year, +26.7% over five
- 90th pct · 284th of 3,063 US counties · median $234,566
- 50th pct · 31st of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Mineral County, CO | $452,844 · +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 #
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 $2,479 a month on $452,844 at 7.28%, against an average weekly wage worth $3,848 a month: 64.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $452,844 × 80% = $362,275, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,479/mo principal and interest
- wage share = payment / (avg weekly wage $888 × 52 / 12 = $3,848) = 64% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $452,844 / ($888 × 52) = 9.8
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 #
730 jobs at 84 employers (2026 Q1); +1.2% jobs and -2.0% average weekly wage over the year
- 4th pct · 3,082nd of 3,221 US counties · median 8,232
- 11th pct · 57th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Mineral County, CO | 730 jobs · $888/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Retail trade | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld | |||
| Educational services | withheld | |||
| Health care and social assistance | withheld | |||
| Arts, entertainment and recreation | 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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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 |
|---|---|---|
| VALLECITO RESERVOIR NEAR BAYFIELD, CO. | 40,320 Acre-ft (USGS, no capacity on file) | 54 km |
| LEMON RESERVOIR NEAR DURANGO CO | 22,420 Acre-ft (USGS, no capacity on file) | 61 km |
| SILVER JACK RESERVOIR NEAR CIMARRON, CO | 1,146 Acre-ft (USGS, no capacity on file) | 90 km |
| RIDGWAY RESERVOIR NEAR RIDGWAY, CO | 64,820 Acre-ft (USGS, no capacity on file) | 101 km |
| CRAWFORD RESERVOIR NEAR CRAWFORD, CO | 1,164 Acre-ft (USGS, no capacity on file) | 138 km |
| TAYLOR PARK RESERVOIR AT TAYLOR PARK, CO. | 51,520 Acre-ft (USGS, no capacity on file) | 145 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 #
36 gauges · 0 flooding · 6 with quality panels averaging 89 % · 14 stale
Sites found: 36, 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 113.0 ft³/s · quality 67 % (3) | 65 km |
| CEMENT CREEK AT SILVERTON, CO | flow 20.8 ft³/s · quality 67 % (3) | 65 km |
| W FK SAN JUAN R AT W FK CAMPGR NR PAGOSA SPR, CO | flow 73.0 ft³/s · STALE | 14 km |
| WOLF CR AT WOLF CR CAMPGR NR PAGOSA SPR, CO | flow 21.0 ft³/s · STALE | 16 km |
| WINDY PASS CR NR PAGOSA SPR, CO. | flow 0.01 ft³/s · STALE | 16 km |
| WEST FORK SAN JUAN RIVER NEAR PAGOSA SPRINGS, CO | flow 35.0 ft³/s · STALE | 19 km |
| EF SAN JUAN R AB SAND CREEK, NR PAGOSA SPGS, CO. | flow 17.0 ft³/s · STALE | 23 km |
| RIO GRANDE AT WAGON WHEEL GAP, CO | flow 213.0 ft³/s · no flooding · STALE | 29 km |
| SAN JUAN RIVER AT PAGOSA SPRINGS, CO | flow 351.0 ft³/s · no flooding | 32 km |
| SAN JUAN RIVER NEAR CO RD 119 AT PAGOSA SPRINGS CO | temp 13.4 °C · quality 100 % (2) | 32 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 (0.36)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.11 / 0.55
Banks & federal dollars #
$22.2 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $8.9 m federal obligations in FY2026 (direct payments $7.6 m, contracts $1.6 m), $12,211 per covered job
| Item | Value | Distance |
|---|---|---|
| Del Norte Bank | $22.2 m · 100.0% share · 1 office | |
| Mineral, CO | $8.9 m FY2026 · $12,211/job | |
| MULTIPLE RECIPIENTS | $7.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Del Norte Bank | $22,168,000 | 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 | $6,932,468 |
| Department of Defense | $1,062,691 |
| Department of Veterans Affairs | $551,072 |
| Environmental Protection Agency | $491,408 |
| Railroad Retirement Board | $79,073 |
| Department of Education | $16,354 |
| Federal Communications Commission | $14,651 |
| Department of Agriculture | $10,132 |
| Department of Transportation | -$244,176 |
That is $12,211 per covered job, against 730 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $8.9 m / 730 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,211
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 #
Mineral County, CO: 10 findings, 3 at a watch level and 7 noted
watchMineral County, CO's years of wages of 9.8 ranks 91st 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 = 97.06074461136512 >= 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
watchMineral County, CO's average weekly wage is -2.0% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -2 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchMineral County, CO's typical home value of $452,844 scores 91 on the 0-to-100 scale across US counties but 51 across Colorado counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |91 across US counties - 51 across Colorado counties|
position among the entities that published this metric this period; not an official level
noteMineral County, CO's average weekly wage was 2.0% 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
- -2 % = 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
noteMineral County, CO's covered employment was 1.2% 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
- +1.2 % = 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.