San Juan County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.78, -107.67.
Assembled 2026-10-06. Read the brief.
- 95th pct · 141st of 3,063 US counties · median $234,566
- 72nd pct · 18th of 62 Colorado counties · median $450,011
- 57th pct · 1,310th of 3,063 US counties · median +2.9%
- 81st pct · 12th of 62 Colorado counties · median +0.2%
- US counties: not published this period
- Colorado counties: not published this period
- 1st pct · 3,176th of 3,221 US counties · median 8,232
- 1st pct · 63rd of 64 Colorado counties · median 4,853
- 16th pct · 2,690th of 3,221 US counties · median $1,039
- 11th pct · 57th of 64 Colorado counties · median $1,075
- 98th pct · 38th of 3,063 US counties · median 4.3
- 85th pct · 10th 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 $558,177 (Aug 2026), +3.6% over one year, +34.5% over five
- 95th pct · 141st of 3,063 US counties · median $234,566
- 72nd pct · 18th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| San Juan County, CO | $558,177 · +3.6% 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 $3,055 a month on $558,177 at 7.28%, against an average weekly wage worth $3,835 a month: 79.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $558,177 × 80% = $446,542, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,055/mo principal and interest
- wage share = payment / (avg weekly wage $885 × 52 / 12 = $3,835) = 80% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $558,177 / ($885 × 52) = 12.1
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 #
367 jobs at 100 employers (2026 Q1); -11.6% jobs and +11.5% average weekly wage over the year
- 1st pct · 3,176th of 3,221 US counties · median 8,232
- 1st pct · 63rd of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| San Juan County, CO | 367 jobs · $885/wk · -11.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 71 | $551 | 2.15 | -22.0% |
| Arts, entertainment and recreation | 51 | $860 | 8.44 | -1.9% |
| Other services | 11 | $510 | 1.00 | -15.4% |
| 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 |
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 #
8 USGS reservoir gauges, no capacity figures to weight
Sites found: 8, 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 |
|---|---|---|
| LEMON RESERVOIR NEAR DURANGO CO | 22,520 Acre-ft (USGS, no capacity on file) | 44 km |
| VALLECITO RESERVOIR NEAR BAYFIELD, CO. | 40,320 Acre-ft (USGS, no capacity on file) | 45 km |
| RIDGWAY RESERVOIR NEAR RIDGWAY, CO | 64,870 Acre-ft (USGS, no capacity on file) | 51 km |
| SILVER JACK RESERVOIR NEAR CIMARRON, CO | 1,153 Acre-ft (USGS, no capacity on file) | 51 km |
| CRAWFORD RESERVOIR NEAR CRAWFORD, CO | 1,158 Acre-ft (USGS, no capacity on file) | 101 km |
| FRUIT GROWERS RESERVOIR NEAR ORCHARD CITY, CO | 79.5 Acre-ft (USGS, no capacity on file) | 119 km |
| PAONIA RESERVOIR NEAR BARDINE, CO | 364.4 Acre-ft (USGS, no capacity on file) | 132 km |
| TAYLOR PARK RESERVOIR AT TAYLOR PARK, CO. | 51,550 Acre-ft (USGS, no capacity on file) | 148 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 #
40 gauges · 0 flooding · 12 with quality panels averaging 85 % · 5 stale
Sites found: 40, 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-382427107491401 | cond. 2,860 uS/cm · quality 0 % (1) · STALE | 71 km |
| MINERAL CREEK AT SILVERTON, CO | flow 98.4 ft³/s · quality 67 % (3) | 2 km |
| CEMENT CREEK AT SILVERTON, CO | flow 20.3 ft³/s · quality 67 % (3) | 4 km |
| ANIMAS RIVER BELOW SILVERTON, CO | flow 211.0 ft³/s · quality 100 % (4) | 1 km |
| ANIMAS RIVER AT SILVERTON, CO. | flow 114.0 ft³/s · quality 100 % (3) | 3 km |
| CASCADE CR BLW CASCADE CR DIVERSION NR ROCKWOOD CO | flow 41.3 ft³/s | 18 km |
| CASCADE CR ABV CASCADE CR DIVERSION NR ROCKWOOD CO | flow 46.1 ft³/s | 18 km |
| LAKE FORK SAN MIGUEL RV ABV TROUT LAKE NR OPHIR CO | flow 15.7 ft³/s | 19 km |
| SOUTH FORK SAN MIGUEL RIVER NEAR OPHIR, CO | flow 55.4 ft³/s | 22 km |
| ANIMAS RIVER AT TALL TIMBER RESORT ABOVE TACOMA,CO | flow 523.0 ft³/s | 22 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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-382427107491401 | depth 4.77 ft · 2024-06-26 | 71 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 #
moderate (0.37)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.15 / 0.55
Banks & federal dollars #
$25.8 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $8.6 m federal obligations in FY2026 (direct payments $4.3 m, contracts $3.3 m), $23,324 per covered job
| Item | Value | Distance |
|---|---|---|
| The Citizens State Bank of Ouray | $25.8 m · 100.0% share · 1 office | |
| San Juan, CO | $8.6 m FY2026 · $23,324/job | |
| MULTIPLE RECIPIENTS | $4.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Citizens State Bank of Ouray | $25,795,000 | 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 | $3,659,619 |
| Environmental Protection Agency | $2,890,414 |
| Department of Defense | $816,666 |
| Department of Transportation | $554,971 |
| Department of Veterans Affairs | $539,591 |
| Department of Agriculture | $61,186 |
| Federal Communications Commission | $15,422 |
| Department of Education | $12,001 |
| Department of the Interior | $10,000 |
| Small Business Administration | $0 |
That is $23,324 per covered job, against 367 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $8.6 m / 367 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,324
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 | -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 #
San Juan County, CO: 13 findings, 1 at an alert level, 3 at a watch level and 9 noted
alertSan Juan County, CO's covered employment is -11.6% 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 = -11.6 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchSan Juan County, CO's covered employment is -11.6% 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 = -11.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSan Juan County, CO's years of wages of 12.1 ranks 38th 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 = 98.791639451339 >= 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
watchSan Juan County, CO's years of wages is 12.1, 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 = 12.129011473813316 >= 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
noteSan Juan County, CO's covered employment was 11.6% 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
- -11.6 % = 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 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.