Yuma County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.00, -102.42.
Assembled 2026-10-06. Read the brief.
- 64th pct · 1,093rd of 3,063 US counties · median $234,566
- 27th pct · 45th of 62 Colorado counties · median $450,011
- 68th pct · 959th of 3,063 US counties · median +2.9%
- 93rd pct · 5th of 62 Colorado counties · median +0.2%
- US counties: not published this period
- Colorado counties: not published this period
- 30th pct · 2,223rd of 3,221 US counties · median 8,232
- 39th pct · 39th of 64 Colorado counties · median 4,853
- 47th pct · 1,676th of 3,221 US counties · median $1,039
- 39th pct · 39th of 64 Colorado counties · median $1,075
- 67th pct · 985th of 3,063 US counties · median 4.3
- 31st pct · 43rd 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 $279,464 (Aug 2026), +4.7% over one year, +24.0% over five
- 64th pct · 1,093rd of 3,063 US counties · median $234,566
- 27th pct · 45th of 62 Colorado counties · median $450,011
| Item | Value | Distance |
|---|---|---|
| Yuma County, CO | $279,464 · +4.7% 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 $1,530 a month on $279,464 at 7.28%, against an average weekly wage worth $4,463 a month: 34.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $279,464 × 80% = $223,571, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,530/mo principal and interest
- wage share = payment / (avg weekly wage $1,030 × 52 / 12 = $4,463) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $279,464 / ($1,030 × 52) = 5.2
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 #
3,915 jobs at 428 employers (2026 Q1); -1.4% jobs and +8.4% average weekly wage over the year
- 30th pct · 2,223rd of 3,221 US counties · median 8,232
- 39th pct · 39th of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Yuma County, CO | 3,915 jobs · $1,030/wk · -1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 429 | $589 | 1.12 | -2.3% |
| Wholesale trade | 236 | $1,548 | 1.57 | +3.1% |
| Accommodation and food services | 227 | $419 | 0.65 | +0.4% |
| Manufacturing | 140 | $1,066 | 0.44 | -2.8% |
| Construction | 139 | $1,179 | 0.68 | +0.0% |
| Administrative and waste services | 121 | $969 | 0.54 | +11.0% |
| Other services | 80 | $1,607 | 0.68 | -27.3% |
| Arts, entertainment and recreation | 46 | $641 | 0.71 | -34.3% |
| Information | 23 | $1,339 | 0.32 | -4.2% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
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 · 1 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.
| Site | Reading | Distance |
|---|---|---|
| ARIKAREE RIVER ABV SPRING CANYON NR IDALIA CO | flow 0.00 ft³/s · STALE | 28 km |
| North Fork Republican River at Colorado-Nebraska | flow 5.27 ft³/s | 32 km |
| Arikaree River at Haigler, Nebr. | flow 5.06 ft³/s | 36 km |
| Buffalo Creek near Haigler, Nebr. | flow 0.70 ft³/s | 47 km |
| SF REPUBLICAN R NR CO-KS ST LINE, KS | flow 0.00 ft³/s | 51 km |
| Rock Creek at Parks, Nebr. | flow 4.96 ft³/s | 59 km |
| South Fork Republican River near Benkelman, Nebr. | flow 0.00 ft³/s | 75 km |
| Republican River at Benkelman, Nebr. | flow 7.31 ft³/s | 75 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-401518102295701 | depth 128.8 ft · 1993-09-29 | 29 km |
| USGS-400155101521302 | depth 17.3 ft · 2024-10-15 | 47 km |
| USGS-401401101510701 | depth 91.9 ft · 2016-11-27 | 55 km |
| USGS-402757101591201 | depth 84.2 ft · 2016-11-27 | 64 km |
| USGS-401703101394801 | depth 84.6 ft · 2016-11-27 | 72 km |
| USGS-400852101352701 | depth 141.8 ft · 2016-11-27 | 72 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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$610.8 m in deposits at 9 offices of 7 banks (SOD June 2026); HHI 2,548, highly concentrated. $84.8 m federal obligations in FY2026 (direct payments $82.6 m, grants $2.0 m), $21,670 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Colorado | $209.6 m · 34.3% share · 2 offices | |
| Wray State Bank | $183.8 m · 30.1% share · 1 office | |
| First Pioneer National Bank | $120.6 m · 19.7% share · 1 office | |
| Yuma, CO | $84.8 m FY2026 · $21,670/job | |
| MULTIPLE RECIPIENTS | $42.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Colorado | $209,596,000 | 34.3% | 2 |
| Wray State Bank | $183,769,000 | 30.1% | 1 |
| First Pioneer National Bank | $120,626,000 | 19.7% | 1 |
| TBK BANK, SSB | $35,922,000 | 5.9% | 1 |
| First FarmBank | $33,511,000 | 5.5% | 1 |
| FNB Bank | $16,020,000 | 2.6% | 1 |
| Equitable Savings and Loan Association | $11,366,000 | 1.9% | 2 |
Deposit concentration is 2,548 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 = 34.3² + 30.1² + 19.7² + … (4 more) = 2,548
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 |
|---|---|
| Department of Agriculture | $40,270,874 |
| Social Security Administration | $39,865,472 |
| Department of Veterans Affairs | $2,396,676 |
| Department of Transportation | $1,502,084 |
| Department of Housing and Urban Development | $486,401 |
| Railroad Retirement Board | $218,402 |
| Department of Education | $65,314 |
| Federal Communications Commission | $32,727 |
| Small Business Administration | $0 |
| Department of Energy | $0 |
That is $21,670 per covered job, against 3,915 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $84.8 m / 3,915 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,670
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 #
Yuma County, CO: 8 findings, 3 at a watch level and 5 noted
watchYuma County, CO's covered employment is -1.4% 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 = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchYuma County, CO's years of wages of 5.2 scores 68 on the 0-to-100 scale across US counties but 31 across Colorado counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |68 across US counties - 31 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
watchYuma County, CO's typical home value of $279,464 scores 64 on the 0-to-100 scale across US counties but 28 across Colorado counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |64 across US counties - 28 across Colorado counties|
position among the entities that published this metric this period; not an official level
noteYuma County, CO's average weekly wage was 8.4% 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
- +8.4 % = 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
noteYuma County, CO's covered employment was 1.4% 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
- -1.4 % = 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
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.