Moffat County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.61, -108.22.
Assembled 2026-10-06. Read the brief.
- 71st pct · 882nd of 3,063 US counties · median $234,566
- 31st pct · 43rd of 62 Colorado counties · median $450,011
- 27th pct · 2,230th of 3,063 US counties · median +2.9%
- 54th pct · 29th of 62 Colorado counties · median +0.2%
- US counties: not published this period
- Colorado counties: not published this period
- 33rd pct · 2,128th of 3,221 US counties · median 8,232
- 42nd pct · 37th of 64 Colorado counties · median 4,853
- 88th pct · 366th of 3,221 US counties · median $1,039
- 79th pct · 14th of 64 Colorado counties · median $1,075
- 50th pct · 1,517th of 3,063 US counties · median 4.3
- 13th pct · 54th 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 $308,461 (Aug 2026), +0.8% over one year, +36.1% over five
- 71st pct · 882nd of 3,063 US counties · median $234,566
- 31st pct · 43rd of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Moffat County, CO | $308,461 · +0.8% 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 $1,688 a month on $308,461 at 7.28%, against an average weekly wage worth $5,967 a month: 28.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $308,461 × 80% = $246,769, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,688/mo principal and interest
- wage share = payment / (avg weekly wage $1,377 × 52 / 12 = $5,967) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $308,461 / ($1,377 × 52) = 4.3
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 #
4,431 jobs at 487 employers (2026 Q1); -1.0% jobs and +18.6% average weekly wage over the year
- 33rd pct · 2,128th of 3,221 US counties · median 8,232
- 42nd pct · 37th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Moffat County, CO | 4,431 jobs · $1,377/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 765 | $747 | 1.77 | -0.5% |
| Accommodation and food services | 386 | $442 | 0.97 | -9.0% |
| Construction | 312 | $1,201 | 1.34 | +0.0% |
| Utilities | 186 | $3,050 | 10.63 | -7.9% |
| Administrative and waste services | 172 | $1,888 | 0.68 | +0.0% |
| Other services | 120 | $700 | 0.91 | -0.8% |
| Wholesale trade | 108 | $1,658 | 0.64 | -26.0% |
| Mining, oil and gas | 95 | $7,780 | 6.02 | -69.8% |
| Manufacturing | 90 | $744 | 0.25 | +0.0% |
| Transportation and warehousing | 71 | $1,635 | 0.38 | -28.3% |
| Finance and insurance | 71 | $4,077 | 0.39 | +1.4% |
| Arts, entertainment and recreation | 64 | $613 | 0.88 | +28.0% |
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 #
No drought class at this point (USDM covers the United States only)
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 |
|---|---|---|
| RIFLE GAP RESERVOIR NEAR RIFLE, CO | 1,722 Acre-ft (USGS, no capacity on file) | 116 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 #
32 gauges · 0 flooding · 11 with quality panels averaging 89 % · 13 stale
Sites found: 32, 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 |
|---|---|---|
| PICEANCE CREEK AT WHITE RIVER, CO | flow 2.63 ft³/s · quality 50 % (2) | 59 km |
| USGS-400712108214601 | DO 11.1 mg/l · quality 75 % (4) | 56 km |
| YELLOW CREEK NEAR WHITE RIVER, CO. | flow 0.41 ft³/s · quality 50 % (2) | 52 km |
| SAND WASH NEAR SUNBEAM, CO. | flow 0.00 ft³/s · STALE | 13 km |
| LITTLE SNAKE RIVER NEAR LILY, CO | flow 1.06 ft³/s · no flooding | 19 km |
| YAMPA RIVER NEAR MAYBELL, CO | flow 91.6 ft³/s · quality 100 % (3) · no flooding | 20 km |
| YAMPA RIVER ABV. LITTLE SNAKE R. NR. MAYBELL, CO | flow 171.0 ft³/s · STALE | 24 km |
| YAMPA RIVER AT DEERLODGE PARK, CO | flow 104.0 ft³/s · quality 100 % (1) · no flooding | 31 km |
| VERMILLION CR. BLW. DOUGLAS DRAW NR. LODORE, CO | flow 9.10 ft³/s · STALE | 47 km |
| WILSON CREEK ABOVE TAYLOR CREEK NEAR AXIAL, CO. | flow 0.84 ft³/s · STALE | 48 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-395755108211401 | depth 295.6 ft · 2017-10-10 | 73 km |
| USGS-395755108211400 | depth 298.2 ft · 2017-10-10 | 73 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 #
low (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.11 / 0.55
Banks & federal dollars #
$414.5 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,100, highly concentrated. $91.5 m federal obligations in FY2026 (direct payments $71.0 m, contracts $16.7 m), $20,642 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Colorado | $192.7 m · 46.5% share · 1 office | |
| Yampa Valley Bank | $176.9 m · 42.7% share · 1 office | |
| Glacier Bank | $44.9 m · 10.8% share · 1 office | |
| Moffat, CO | $91.5 m FY2026 · $20,642/job | |
| MULTIPLE RECIPIENTS | $67.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Colorado | $192,730,000 | 46.5% | 1 |
| Yampa Valley Bank | $176,857,000 | 42.7% | 1 |
| Glacier Bank | $44,936,000 | 10.8% | 1 |
Deposit concentration is 4,100 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 46.5² + 42.7² + 10.8² = 4,100
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 | $60,001,480 |
| Department of the Interior | $15,961,399 |
| Department of Veterans Affairs | $7,347,593 |
| Department of Transportation | $3,114,087 |
| Department of Agriculture | $2,990,775 |
| Department of Health and Human Services | $774,433 |
| Railroad Retirement Board | $388,992 |
| Department of Defense | $372,660 |
| Department of Housing and Urban Development | $353,785 |
| Federal Communications Commission | $160,984 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
That is $20,642 per covered job, against 4,431 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $91.5 m / 4,431 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,642
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 #
Moffat County, CO: 8 findings, 4 at a watch level and 4 noted
watchMoffat County, CO's covered employment is -1.0% 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 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMoffat County, CO's typical home value of $308,461 scores 71 on the 0-to-100 scale across US counties but 31 across Colorado counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |71 across US counties - 31 across Colorado counties|
position among the entities that published this metric this period; not an official level
watchMoffat County, CO's years of wages of 4.3 scores 50 on the 0-to-100 scale across US counties but 13 across Colorado counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |50 across US counties - 13 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
watchMoffat County, CO's covered employment of -1.0% scores 36 on the 0-to-100 scale across US counties but 67 across Colorado counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |36 across US counties - 67 across Colorado counties|
position among the entities that published this metric this period; not an official level
noteMoffat County, CO's average weekly wage was 18.6% 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
- +18.6 % = 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 8 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.