Valley County, ID
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.86, -115.62.
Assembled 2026-10-06. Read the brief.
- 97th pct · 78th of 3,063 US counties · median $234,566
- 95th pct · 3rd of 43 Idaho counties · median $396,924
- 51st pct · 1,482nd of 3,063 US counties · median +2.9%
- 54th pct · 20th of 43 Idaho counties · median +2.9%
- 87th pct · 182nd of 1,399 US counties · median $1,496
- 90th pct · 3rd of 21 Idaho counties · median $1,659
- 39th pct · 1,935th of 3,221 US counties · median 8,232
- 53rd pct · 21st of 44 Idaho counties · median 4,800
- 58th pct · 1,332nd of 3,221 US counties · median $1,039
- 72nd pct · 13th of 44 Idaho counties · median $1,026
- 98th pct · 40th of 3,063 US counties · median 4.3
- 92nd pct · 4th of 43 Idaho counties · median 7.6
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 $674,421 (Aug 2026), +3.0% over one year, +17.7% over five
- 97th pct · 78th of 3,063 US counties · median $234,566
- 95th pct · 3rd of 43 Idaho counties · median $396,924
| Item | Value | Distance |
|---|---|---|
| Valley County, ID | $674,421 · +3.0% 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 $2,088/mo (Aug 2026), n/a over one year; price-to-rent 26.9
- 87th pct · 182nd of 1,399 US counties · median $1,496
- 90th pct · 3rd of 21 Idaho counties · median $1,659
| Item | Value | Distance |
|---|---|---|
| Valley County, ID | $2,088/mo · n/a 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 $3,692 a month on $674,421 at 7.28%, against an average weekly wage worth $4,680 a month: 78.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $674,421 × 80% = $539,537, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,692/mo principal and interest
- wage share = payment / (avg weekly wage $1,080 × 52 / 12 = $4,680) = 79% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $674,421 / ($1,080 × 52) = 12.0
- price-to-rent = $674,421 / ($2,088 × 12) = 26.9
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 #
5,531 jobs at 867 employers (2026 Q1); +0.2% jobs and +6.3% average weekly wage over the year
- 39th pct · 1,935th of 3,221 US counties · median 8,232
- 53rd pct · 21st of 44 Idaho counties · median 4,800
| Item | Value | Distance |
|---|---|---|
| Valley County, ID | 5,531 jobs · $1,080/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,019 | $657 | 2.05 | -19.1% |
| Arts, entertainment and recreation | 803 | $683 | 8.82 | +34.1% |
| Retail trade | 700 | $870 | 1.30 | +2.0% |
| Health care and social assistance | 499 | $1,655 | 0.60 | +3.3% |
| Construction | 400 | $1,016 | 1.38 | +6.4% |
| Professional and technical services | 204 | $2,620 | 0.53 | -3.8% |
| Other services | 166 | $678 | 1.00 | +1.2% |
| Real estate and rental | 165 | $931 | 1.95 | -4.6% |
| Transportation and warehousing | 93 | $1,061 | 0.40 | +0.0% |
| Finance and insurance | 69 | $1,274 | 0.31 | -6.8% |
| Manufacturing | 49 | $1,908 | 0.11 | +0.0% |
| Information | 29 | $1,352 | 0.28 | -3.3% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$445.3 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 2,912, highly concentrated. $120.0 m federal obligations in FY2026 (direct payments $88.6 m, contracts $24.9 m), $21,702 per covered job
| Item | Value | Distance |
|---|---|---|
| Idaho First Bank | $149.7 m · 33.6% share · 1 office | |
| U.S. Bank National Association | $144.3 m · 32.4% share · 1 office | |
| Columbia Bank | $114.8 m · 25.8% share · 2 offices | |
| Valley, ID | $120.0 m FY2026 · $21,702/job | |
| MULTIPLE RECIPIENTS | $88.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Idaho First Bank | $149,697,000 | 33.6% | 1 |
| U.S. Bank National Association | $144,312,000 | 32.4% | 1 |
| Columbia Bank | $114,780,000 | 25.8% | 2 |
| WaFd Bank | $36,487,000 | 8.2% | 1 |
Deposit concentration is 2,912 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 33.6² + 32.4² + 25.8² + … (1 more) = 2,912
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 | $79,862,459 |
| Department of Agriculture | $24,928,059 |
| Department of Veterans Affairs | $7,922,949 |
| Department of Transportation | $5,631,451 |
| Department of the Interior | $836,170 |
| Railroad Retirement Board | $593,882 |
| Department of Justice | $216,089 |
| Department of Education | $57,979 |
| Federal Communications Commission | $15,854 |
| Environmental Protection Agency | -$30,026 |
That is $21,702 per covered job, against 5,531 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $120.0 m / 5,531 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,702
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 | -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 #
Valley County, ID: 14 findings, 5 at a watch level and 9 noted
watchValley County, ID's years of wages of 12.0 ranks 40th 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 = 98.72632266492488 >= 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
watchValley County, ID's price-to-rent ratio of 26.9 ranks 43rd 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 = 96.99570815450643 >= 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
watchValley County, ID's years of wages is 12.0, 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 = 12.008916710265272 >= 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
watchValley County, ID's price-to-rent ratio is 26.9, 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 = 26.922984528882143 >= 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
watchValley County, ID's price-to-rent ratio of 26.9 scores 97 on the 0-to-100 scale across US counties but 55 across Idaho counties, a gap of 42 points.
Period 2026-08.Show the arithmetic
- 42 = |97 across US counties - 55 across Idaho 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.