Routt County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.48, -106.99.
Assembled 2026-10-06. Read the brief.
- 99th pct · 16th of 3,063 US counties · median $234,566
- 95th pct · 4th of 62 Colorado counties · median $450,011
- 63rd pct · 1,116th of 3,063 US counties · median +2.9%
- 90th pct · 7th of 62 Colorado counties · median +0.2%
- 98th pct · 19th of 1,399 US counties · median $1,496
- 91st pct · 4th of 35 Colorado counties · median $1,975
- 67th pct · 1,036th of 3,221 US counties · median 8,232
- 71st pct · 19th of 64 Colorado counties · median 4,853
- 80th pct · 618th of 3,221 US counties · median $1,039
- 69th pct · 20th of 64 Colorado counties · median $1,075
- 99th pct · 9th of 3,063 US counties · median 4.3
- 95th pct · 4th 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 $1.1 m (Aug 2026), +4.2% over one year, +39.2% over five
- 99th pct · 16th of 3,063 US counties · median $234,566
- 95th pct · 4th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Routt County, CO | $1.1 m · +4.2% 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 #
Typical rent $3,269/mo (Aug 2026), +4.0% over one year; price-to-rent 28.7
- 98th pct · 19th of 1,399 US counties · median $1,496
- 91st pct · 4th of 35 Colorado counties · median $1,975
| Item | Value | Distance |
|---|---|---|
| Routt County, CO | $3,269/mo · +4.0% 1-yr |
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 $6,153 a month on $1,124,121 at 7.28%, against an average weekly wage worth $5,408 a month: 113.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $1.1 m × 80% = $899,297, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $6,153/mo principal and interest
- wage share = payment / (avg weekly wage $1,248 × 52 / 12 = $5,408) = 114% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $1.1 m / ($1,248 × 52) = 17.3
- price-to-rent = $1.1 m / ($3,269 × 12) = 28.7
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 #
17,128 jobs at 2,150 employers (2026 Q1); +0.4% jobs and +3.7% average weekly wage over the year
- 67th pct · 1,036th of 3,221 US counties · median 8,232
- 71st pct · 19th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Routt County, CO | 17,128 jobs · $1,248/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 2,747 | $837 | 1.79 | +1.9% |
| Arts, entertainment and recreation | 2,322 | $893 | 8.24 | +0.1% |
| Retail trade | 1,797 | $891 | 1.08 | -5.5% |
| Construction | 1,393 | $1,332 | 1.55 | +0.4% |
| Health care and social assistance | 1,370 | $1,285 | 0.53 | +14.2% |
| Real estate and rental | 792 | $1,175 | 3.02 | -4.3% |
| Professional and technical services | 702 | $2,451 | 0.59 | +2.6% |
| Administrative and waste services | 690 | $1,019 | 0.71 | -2.3% |
| Other services | 569 | $884 | 1.11 | +2.0% |
| Educational services | 385 | $627 | 1.04 | +2.7% |
| Finance and insurance | 348 | $4,055 | 0.50 | +0.3% |
| Transportation and warehousing | 310 | $991 | 0.43 | +9.5% |
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 #
D3 extreme 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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$1.3 bn in deposits at 9 offices of 7 banks (SOD June 2026); HHI 2,196, highly concentrated. $149.0 m federal obligations in FY2026 (direct payments $124.3 m, grants $24.5 m), $8,700 per covered job
| Item | Value | Distance |
|---|---|---|
| Yampa Valley Bank | $437.2 m · 33.2% share · 1 office | |
| Wells Fargo Bank, National Association | $315.9 m · 24.0% share · 1 office | |
| Alpine Bank | $203.6 m · 15.5% share · 1 office | |
| Routt, CO | $149.0 m FY2026 · $8,700/job | |
| MULTIPLE RECIPIENTS | $123.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Yampa Valley Bank | $437,213,000 | 33.2% | 1 |
| Wells Fargo Bank, National Association | $315,922,000 | 24.0% | 1 |
| Alpine Bank | $203,603,000 | 15.5% | 1 |
| Mountain Valley Bank | $190,430,000 | 14.5% | 3 |
| Zions Bancorporation, N.A. | $94,323,000 | 7.2% | 1 |
| Glacier Bank | $37,380,000 | 2.8% | 1 |
| BMO Bank National Association | $37,098,000 | 2.8% | 1 |
Deposit concentration is 2,196 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 33.2² + 24.0² + 15.5² + … (4 more) = 2,196
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 | $115,287,786 |
| Department of Transportation | $19,268,110 |
| Department of Veterans Affairs | $6,455,681 |
| Department of Health and Human Services | $2,747,306 |
| Department of Energy | $1,877,782 |
| Railroad Retirement Board | $1,406,728 |
| Department of Agriculture | $1,196,439 |
| Federal Communications Commission | $424,348 |
| National Aeronautics and Space Administration | $224,997 |
| Department of Education | $93,126 |
| Department of Housing and Urban Development | $21,606 |
| Department of Justice | $8,569 |
That is $8,700 per covered job, against 17,128 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $149.0 m / 17,128 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,700
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 #
Routt County, CO: 15 findings, 4 at a watch level and 11 noted
watchRoutt County, CO's years of wages of 17.3 ranks 9th 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 = 99.73873285434357 >= 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
watchRoutt County, CO's price-to-rent ratio of 28.7 ranks 29th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 97.99713876967095 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchRoutt County, CO's years of wages is 17.3, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 17.321886753482797 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchRoutt County, CO's price-to-rent ratio is 28.7, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 28.652196161954617 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
noteRoutt County, CO's average weekly wage was 3.7% 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
- +3.7 % = 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
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.