Phillips County, CO

Home values #

Typical home $259,301 (Aug 2026), +2.3% over one year, +21.7% over five

• 58th pct · 1,258th of 3,063 US counties · median $234,566
• 22nd pct · 48th of 62 Colorado counties · median $450,011

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 $1,419 a month on $259,301 at 7.28%, against an average weekly wage worth $4,554 a month: 31.2% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $259,301 × 80% = $207,441, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,419/mo principal and interest
• wage share = payment / (avg weekly wage $1,051 × 52 / 12 = $4,554) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $259,301 / ($1,051 × 52) = 4.7

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 #

1,773 jobs at 186 employers (2026 Q1); +2.7% jobs and +9.4% average weekly wage over the year

• 14th pct · 2,765th of 3,221 US counties · median 8,232
• 26th pct · 47th of 64 Colorado counties · median 4,853

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 #

D0 abnormally dry

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 #

No reservoir gauges within 150 km (or the camera is above the gauge altitude)

Sites found: 0, 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.

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 #

8 gauges · 0 flooding · 0 with quality panels · 2 stale

Sites found: 8, 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 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 #

18 wells in 0 named aquifers:

Sites found: 18, 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 #

low (0.00)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35

Banks & federal dollars #

$220.8 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 3,051, highly concentrated. $34.6 m federal obligations in FY2026 (direct payments $26.7 m, grants $7.0 m), $19,506 per covered job

Deposit concentration is 3,051 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 4 banks with deposits in the county = 38.4² + 30.1² + 25.1² + … (1 more) = 3,051

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.

That is $19,506 per covered job, against 1,773 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $34.6 m / 1,773 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,506

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.

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 #

Phillips County, CO: 8 findings, 2 at a watch level and 6 noted

1. watchPhillips County, CO's years of wages of 4.7 scores 60 on the 0-to-100 scale across US counties but 20 across Colorado counties, a gap of 40 points.

   Period 2026-08.
   Show the arithmetic

   • 40 = |60 across US counties - 20 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

2. watchPhillips County, CO's typical home value of $259,301 scores 59 on the 0-to-100 scale across US counties but 23 across Colorado counties, a gap of 36 points.

   Period 2026-08.
   Show the arithmetic

   • 36 = |59 across US counties - 23 across Colorado counties|

   position among the entities that published this metric this period; not an official level

3. notePhillips County, CO's average weekly wage was 9.4% 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

   • +9.4 % = 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

4. notePhillips County, CO's covered employment was 2.7% 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

   • +2.7 % = 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

5. notePhillips County, CO's momentum index of 0.69 ranks 1st of 64 Colorado counties, against a median of 0.04.

   Period 2026-08.
   Show the arithmetic

   • 100 on the 0-to-100 scale across 64 Colorado counties that published momentum
   • 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%)

   position among the entities that published this metric this period; not an official level

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.