Prowers County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.96, -102.39.
Assembled 2026-10-07. Read the brief.
- 23rd pct · 2,348th of 3,063 US counties · median $234,566
- 6th pct · 58th of 62 Colorado counties · median $450,011
- 13th pct · 2,643rd of 3,063 US counties · median +2.9%
- 34th pct · 41st of 62 Colorado counties · median +0.2%
- US counties: not published this period
- Colorado counties: not published this period
- 34th pct · 2,108th of 3,221 US counties · median 8,232
- 46th pct · 35th of 64 Colorado counties · median 4,853
- 42nd pct · 1,864th of 3,221 US counties · median $1,039
- 34th pct · 42nd of 64 Colorado counties · median $1,075
- 26th pct · 2,262nd of 3,063 US counties · median 4.3
- 3rd pct · 60th 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 $169,373 (Aug 2026), -1.2% over one year, +18.9% over five
- 23rd pct · 2,348th of 3,063 US counties · median $234,566
- 6th pct · 58th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Prowers County, CO | $169,373 · -1.2% 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 $927 a month on $169,373 at 7.28%, against an average weekly wage worth $4,351 a month: 21.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $169,373 × 80% = $135,498, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $927/mo principal and interest
- wage share = payment / (avg weekly wage $1,004 × 52 / 12 = $4,351) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $169,373 / ($1,004 × 52) = 3.2
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 #
4,578 jobs at 397 employers (2026 Q1); -4.8% jobs and +12.7% average weekly wage over the year
- 34th pct · 2,108th of 3,221 US counties · median 8,232
- 46th pct · 35th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Prowers County, CO | 4,578 jobs · $1,004/wk · -4.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 655 | $630 | 1.47 | -11.7% |
| Accommodation and food services | 379 | $436 | 0.92 | -6.7% |
| Manufacturing | 295 | $804 | 0.80 | +0.0% |
| Finance and insurance | 178 | $1,231 | 0.95 | -2.2% |
| Construction | 119 | $760 | 0.50 | -3.3% |
| Utilities | 112 | $4,302 | 6.19 | +6.7% |
| Wholesale trade | 106 | $2,162 | 0.60 | +20.5% |
| Other services | 97 | $587 | 0.71 | +0.0% |
| Professional and technical services | 51 | $1,026 | 0.16 | +0.0% |
| Transportation and warehousing | 47 | $1,019 | 0.24 | -14.5% |
| Real estate and rental | 41 | $664 | 0.58 | +0.0% |
| Information | 21 | $916 | 0.25 | +75.0% |
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 #
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
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 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 (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$514.0 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 2,457, highly concentrated. $72.5 m federal obligations in FY2026 (direct payments $68.0 m, grants $3.5 m), $15,837 per covered job
| Item | Value | Distance |
|---|---|---|
| Frontier Bank | $194.7 m · 37.9% share · 2 offices | |
| Community State Bank | $119.4 m · 23.2% share · 1 office | |
| GNBank, National Association | $78.1 m · 15.2% share · 1 office | |
| Prowers, CO | $72.5 m FY2026 · $15,837/job | |
| MULTIPLE RECIPIENTS | $56.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Frontier Bank | $194,684,000 | 37.9% | 2 |
| Community State Bank | $119,429,000 | 23.2% | 1 |
| GNBank, National Association | $78,106,000 | 15.2% | 1 |
| TBK BANK, SSB | $67,060,000 | 13.0% | 3 |
| The Colorado Bank and Trust Company of La Junta | $45,414,000 | 8.8% | 2 |
| McClave State Bank | $9,291,000 | 1.8% | 1 |
Deposit concentration is 2,457 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 37.9² + 23.2² + 15.2² + … (3 more) = 2,457
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 | $49,012,040 |
| Department of Agriculture | $9,440,888 |
| Department of Veterans Affairs | $6,281,690 |
| Department of Health and Human Services | $2,547,229 |
| Department of Housing and Urban Development | $1,438,927 |
| Railroad Retirement Board | $1,154,565 |
| Department of Education | $1,047,472 |
| Department of the Interior | $867,624 |
| Department of Transportation | $693,057 |
| National Credit Union Administration | $18,000 |
| Small Business Administration | $0 |
That is $15,837 per covered job, against 4,578 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $72.5 m / 4,578 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,837
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 | 11.67 | 2026-10-06 | -8.0% |
| 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 | 2026-10-07 | +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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Prowers County, CO: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertProwers County, CO's covered employment is -4.8% 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 = -4.8 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchProwers County, CO's covered employment is -4.8% 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 = -4.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchProwers County, CO's typical home value is -1.2% 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 = -1.2362176061795291 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteProwers County, CO's average weekly wage was 12.7% 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
- +12.7 % = 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
noteProwers County, CO's covered employment was 4.8% 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
- -4.8 % = 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 11 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.