Summit County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.62, -106.14.
Assembled 2026-10-06. Read the brief.
- 99th pct · 22nd of 3,063 US counties · median $234,566
- 93rd pct · 5th of 62 Colorado counties · median $450,011
- 24th pct · 2,310th of 3,063 US counties · median +2.9%
- 50th pct · 31st of 62 Colorado counties · median +0.2%
- 99th pct · 12th of 1,399 US counties · median $1,496
- 97th pct · 2nd of 35 Colorado counties · median $1,975
- 74th pct · 828th of 3,221 US counties · median 8,232
- 76th pct · 16th of 64 Colorado counties · median 4,853
- 67th pct · 1,054th of 3,221 US counties · median $1,039
- 57th pct · 28th of 64 Colorado counties · median $1,075
- 99th pct · 10th of 3,063 US counties · median 4.3
- 93rd pct · 5th 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 $969,935 (Aug 2026), +0.4% over one year, +7.0% over five
- 99th pct · 22nd of 3,063 US counties · median $234,566
- 93rd pct · 5th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Summit County, CO | $969,935 · +0.4% 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 $3,518/mo (Aug 2026), +3.7% over one year; price-to-rent 23.0
- 99th pct · 12th of 1,399 US counties · median $1,496
- 97th pct · 2nd of 35 Colorado counties · median $1,975
| Item | Value | Distance |
|---|---|---|
| Summit County, CO | $3,518/mo · +3.7% 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 $5,309 a month on $969,935 at 7.28%, against an average weekly wage worth $4,884 a month: 108.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $969,935 × 80% = $775,948, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $5,309/mo principal and interest
- wage share = payment / (avg weekly wage $1,127 × 52 / 12 = $4,884) = 109% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $969,935 / ($1,127 × 52) = 16.6
- price-to-rent = $969,935 / ($3,518 × 12) = 23.0
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 #
23,889 jobs at 2,580 employers (2026 Q1); -4.1% jobs and +3.7% average weekly wage over the year
- 74th pct · 828th of 3,221 US counties · median 8,232
- 76th pct · 16th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Summit County, CO | 23,889 jobs · $1,127/wk · -4.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 8,370 | $870 | 3.90 | -2.7% |
| Retail trade | 2,750 | $828 | 1.18 | -7.9% |
| Arts, entertainment and recreation | 2,555 | $662 | 6.50 | -9.0% |
| Health care and social assistance | 1,361 | $1,514 | 0.38 | -0.5% |
| Real estate and rental | 1,326 | $1,148 | 3.62 | -9.5% |
| Construction | 1,106 | $1,449 | 0.88 | +2.9% |
| Professional and technical services | 871 | $2,608 | 0.53 | -0.2% |
| Administrative and waste services | 720 | $960 | 0.53 | -15.4% |
| Other services | 677 | $1,035 | 0.95 | -6.1% |
| Transportation and warehousing | 272 | $1,109 | 0.27 | -5.9% |
| Finance and insurance | 221 | $3,185 | 0.23 | +8.3% |
| Educational services | 185 | $1,278 | 0.36 | -8.9% |
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 #
D4 exceptional 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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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 |
|---|---|---|
| WOLFORD MTN RESERVOIR NR KREMMLING, CO | 19,430 Acre-ft (USGS, no capacity on file) | 60 km |
| TAYLOR PARK RESERVOIR AT TAYLOR PARK, CO. | 51,520 Acre-ft (USGS, no capacity on file) | 98 km |
| PAONIA RESERVOIR NEAR BARDINE, CO | 364.4 Acre-ft (USGS, no capacity on file) | 129 km |
| RIFLE GAP RESERVOIR NEAR RIFLE, CO | 1,721 Acre-ft (USGS, no capacity on file) | 139 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 #
182 gauges · 0 flooding · 43 with quality panels averaging 98 % · 83 stale
Sites found: 182, 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 |
|---|---|---|
| TENMILE CREEK BL NORTH TENMILE C, AT FRISCO, CO. | flow 18.3 ft³/s · no flooding | 6 km |
| BLUE RIVER BELOW DILLON, CO. | flow 53.9 ft³/s · quality 100 % (2) · no flooding | 6 km |
| STRAIGHT CR BLW LASKEY GULCH NR DILLON, CO | flow 3.63 ft³/s · quality 100 % (2) · no flooding | 9 km |
| BLUE RIVER NEAR DILLON, CO | flow 34.8 ft³/s · quality 100 % (2) · no flooding | 10 km |
| Blue River (CO) at Dillon Reservoir | observation not current | 11 km |
| BLACK GORE CREEK NEAR MINTURN, CO. | flow 3.37 ft³/s · quality 100 % (2) | 11 km |
| ROCK CREEK NEAR DILLON, CO. | flow 15.0 ft³/s · STALE | 11 km |
| GORE CREEK AT UPPER STATION, NEAR MINTURN, CO. | flow 2.84 ft³/s · quality 100 % (3) | 12 km |
| BOULDER CREEK AT UPPER STATION, NEAR DILLON, CO. | flow 4.80 ft³/s · STALE | 12 km |
| GORE CREEK ABOVE BIGHORN PARK NEAR VAIL, CO | temp 8.10 °C · quality 100 % (2) | 13 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 #
4 wells in 0 named aquifers:
Sites found: 4, 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-395648105485300 | level 8,572 ft · 2023-10-17 | 46 km |
| USGS-395605105473100 | level 8,656 ft · 2023-10-17 | 46 km |
| USGS-395448105453701 | level 9,516 ft · 2023-10-17 | 46 km |
| USGS-390900106191901 | level 9,247 ft · 2026-07-14 | 55 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 #
high (0.64)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$1.3 bn in deposits at 12 offices of 6 banks (SOD June 2026); HHI 2,841, highly concentrated. $185.0 m federal obligations in FY2026 (direct payments $113.0 m, contracts $50.8 m), $7,743 per covered job
| Item | Value | Distance |
|---|---|---|
| PNC Bank, National Association | $579.2 m · 44.2% share · 2 offices | |
| Alpine Bank | $269.9 m · 20.6% share · 4 offices | |
| Wells Fargo Bank, National Association | $232.8 m · 17.8% share · 1 office | |
| Summit, CO | $185.0 m FY2026 · $7,743/job | |
| MULTIPLE RECIPIENTS | $112.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| PNC Bank, National Association | $579,169,000 | 44.2% | 2 |
| Alpine Bank | $269,885,000 | 20.6% | 4 |
| Wells Fargo Bank, National Association | $232,819,000 | 17.8% | 1 |
| U.S. Bank National Association | $130,721,000 | 10.0% | 2 |
| BMO Bank National Association | $91,729,000 | 7.0% | 2 |
| JPMorgan Chase Bank, National Association | $6,391,000 | 0.5% | 1 |
Deposit concentration is 2,841 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 = 44.2² + 20.6² + 17.8² + … (3 more) = 2,841
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 | $105,009,369 |
| Department of Homeland Security | $50,152,658 |
| Department of Transportation | $16,557,827 |
| Department of Veterans Affairs | $7,456,303 |
| Department of Health and Human Services | $2,695,665 |
| Department of Education | $1,761,870 |
| Department of Agriculture | $530,344 |
| Railroad Retirement Board | $434,874 |
| Federal Communications Commission | $215,182 |
| Department of the Interior | $153,621 |
| Department of Justice | $6,173 |
| Department of Defense | $0 |
That is $7,743 per covered job, against 23,889 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $185.0 m / 23,889 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,743
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 #
Summit County, CO: 15 findings, 1 at an alert level, 4 at a watch level and 10 noted
alertSummit County, CO's covered employment is -4.1% 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 = -4.1 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchSummit County, CO's years of wages of 16.6 ranks 10th 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 = 99.70607446113651 >= 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
watchSummit County, CO's years of wages is 16.6, 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 = 16.550661952362855 >= 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
watchSummit County, CO's covered employment is -4.1% 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 = -4.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSummit County, CO's price-to-rent ratio of 23.0 scores 87 on the 0-to-100 scale across US counties but 47 across Colorado counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |87 across US counties - 47 across Colorado counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
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.