Barton County, KS

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.48, -98.77.

Assembled 2026-10-06. Read the brief.

Typical home value
$123,108
as of August 2026
  • 7th pct · 2,838th of 3,063 US counties · median $234,566
  • 26th pct · 77th of 105 Kansas counties · median $153,214
Home value, one year
+10.3%
as of August 2026
  • 96th pct · 118th of 3,063 US counties · median +2.9%
  • 95th pct · 6th of 105 Kansas counties · median +4.4%
Typical rent
not published
  • US counties: not published this period
  • Kansas counties: not published this period
Jobs
11,298
as of 2026 Q1-01
  • 57th pct · 1,366th of 3,221 US counties · median 8,232
  • 80th pct · 21st of 105 Kansas counties · median 2,554
Average weekly wage
$952
as of 2026 Q1-01
  • 29th pct · 2,256th of 3,221 US counties · median $1,039
  • 52nd pct · 50th of 105 Kansas counties · median $943
Years of wages per home
2.5
  • 10th pct · 2,751st of 3,063 US counties · median 4.3
  • 22nd pct · 82nd of 105 Kansas counties · median 3.2

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 #

currentas of 2026 Q1retrieved 2026-10-06

Typical home $123,108 (Aug 2026), +10.3% over one year, +40.1% over five

  • 7th pct · 2,838th of 3,063 US counties · median $234,566
  • 26th pct · 77th of 105 Kansas counties · median $153,214
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.
ItemValueDistance
Barton County, KS$123,108 · +10.3% 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 #

currentas of 2026 Q1retrieved 2026-10-06

Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)

  • US counties: not published this period
  • Kansas 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 #

currentretrieved 2026-10-06

Principal and interest of $674 a month on $123,108 at 7.28%, against an average weekly wage worth $4,125 a month: 16.3% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $123,108 × 80% = $98,486, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $674/mo principal and interest
  • wage share = payment / (avg weekly wage $952 × 52 / 12 = $4,125) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $123,108 / ($952 × 52) = 2.5

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 #

currentas of 2026 Q1retrieved 2026-10-06

11,298 jobs at 894 employers (2026 Q1); +0.4% jobs and -1.4% average weekly wage over the year

  • 57th pct · 1,366th of 3,221 US counties · median 8,232
  • 80th pct · 21st of 105 Kansas counties · median 2,554
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.
ItemValueDistance
Barton County, KS11,298 jobs · $952/wk · +0.4% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Retail trade1,494$6551.36-0.5%
Manufacturing1,042$1,0271.15+0.6%
Accommodation and food services781$3710.77+0.9%
Construction634$1,2031.07-3.2%
Administrative and waste services477$1,0610.74-2.5%
Wholesale trade459$1,4351.06-4.8%
Finance and insurance420$1,4950.91-3.7%
Mining, oil and gas269$1,1186.69-25.1%
Agriculture, forestry, fishing248$9873.04-2.4%
Transportation and warehousing245$1,3770.51-3.2%
Other services200$9440.59+3.1%
Utilities142$2,0673.18+6.0%

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 #

currentretrieved 2026-10-06

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 #

currentretrieved 2026-10-06

5 USGS reservoir gauges, no capacity figures to weight

Sites found: 5, 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.
SiteReadingDistance
WILSON LK NR WILSON, KS197,400 Acre-ft (USGS, no capacity on file)59 km
KANOPOLIS LK NR KANOPOLIS, KS60,280 Acre-ft (USGS, no capacity on file)71 km
CEDAR BLUFF RE NR ELLIS, KS54,710 Acre-ft (USGS, no capacity on file)90 km
CHENEY RE NR CHENEY, KS155,700 Acre-ft (USGS, no capacity on file)120 km
HORSETHIEF RE NR JETMORE, KS5,391 Acre-ft (USGS, no capacity on file)121 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 #

currentretrieved 2026-10-06

26 gauges · 0 flooding · 1 with quality panels averaging 67 % · 4 stale

Sites found: 26, 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.
SiteReadingDistance
CHEYENNE BOTTOMS DV NR GREAT BEND, KSflow 106.0 ft³/s4 km
WALNUT C BLW CHEYENNE BTMS DV NR GREAT BEND, KSflow 3.37 ft³/s · STALE7 km
ARKANSAS R AT GREAT BEND, KSflow 18.4 ft³/s · no flooding14 km
WALNUT C AT ALBERT, KSflow 55.4 ft³/s · no flooding22 km
SMOKY HILL R NR RUSSELL, KSflow 221.0 ft³/s · no flooding34 km
SMOKY HILL R NR BUNKER HILL, KSflow 58.3 ft³/s · STALE35 km
ARKANSAS R NR LARNED, KSflow 255.0 ft³/s37 km
RATTLESNAKE C NR RAYMOND, KSflow 3.00 ft³/s · STALE41 km
SMOKY HILL R AT PFEIFER, KSflow 92.9 ft³/s42 km
RATTLESNAKE C NR ZENITH, KSflow 2.71 ft³/s · no flooding47 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 #

currentretrieved 2026-10-06

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.

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.
SiteReadingDistance
USGS-381119098435301level 1,863 ft · 2016-07-2733 km
USGS-384242099165201level 1,884 ft · 2026-10-0551 km
USGS-384253099180701level 1,891 ft · 2026-10-0553 km
USGS-384253099185201level 1,895 ft · 2026-10-0554 km
USGS-384259099195801level 1,903 ft · 2026-10-0556 km
USGS-384226099203801level 1,910 ft · 2026-10-0556 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 #

currentretrieved 2026-10-06

moderate (0.44)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.33 / 0.55

Banks & federal dollars #

currentretrieved 2026-10-06

$1.2 bn in deposits at 19 offices of 10 banks (SOD June 2026); HHI 1,962, highly concentrated. $182.7 m federal obligations in FY2026 (direct payments $174.3 m, grants $8.3 m), $16,168 per covered job

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.
ItemValueDistance
Farmers Bank & Trust$388.8 m · 33.4% share · 3 offices
First Kansas Bank$222.6 m · 19.1% share · 3 offices
Peoples Bank and Trust Company$184.7 m · 15.9% share · 2 offices
Barton, KS$182.7 m FY2026 · $16,168/job
MULTIPLE RECIPIENTS$147.1 m · top recipient FY2026
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Farmers Bank & Trust$388,813,00033.4%3
First Kansas Bank$222,626,00019.1%3
Peoples Bank and Trust Company$184,719,00015.9%2
Sunflower Bank, National Association$143,018,00012.3%2
Landmark National Bank$76,137,0006.5%3
Equity Bank$49,146,0004.2%1
Bank of the Plains$36,246,0003.1%1
The Wilson State Bank$28,630,0002.5%1
BMO Bank National Association$23,268,0002.0%1
Central National Bank$12,404,0001.1%2

Deposit concentration is 1,962 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 10 banks with deposits in the county = 33.4² + 19.1² + 15.9² + … (7 more) = 1,962

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 #

currentretrieved 2026-10-06

USAspending place-of-performance obligations for FY2026, by awarding agency.

USAspending, FY2026, place of performance in this county.
Awarding agencyObligations
Social Security Administration$134,753,191
Department of Agriculture$20,459,318
Department of Veterans Affairs$10,378,410
Department of Education$6,836,416
Department of Transportation$4,434,832
Railroad Retirement Board$2,005,065
Department of Health and Human Services$1,936,971
Department of Housing and Urban Development$1,233,678
Federal Communications Commission$678,690
Corporation for National and Community Service$96,700
Department of Defense$16,400
Department of the Interior$0

That is $16,168 per covered job, against 11,298 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $182.7 m / 11,298 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,168

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 #

currentretrieved 2026-10-06

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft12.692026-10-05+3.3%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %72.602026-10-06+0.0%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.202026-09-01+2.4%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-06

Barton County, KS: 7 findings, 1 at a watch level and 6 noted

  1. watchBarton County, KS' average weekly wage is -1.4% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -1.4 < 0

    BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level

  2. noteBarton County, KS' average weekly wage 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

  3. noteBarton County, KS' covered employment was 0.4% 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
    • +0.4 % = 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

  4. noteBarton County, KS' typical home value of +10.3% ranks 118th of 3,063 US counties, against a median of +2.9%.

    Period 2026-08.
    Show the arithmetic
    • 96 on the 0-to-100 scale across 3063 US counties that published home.yoyPct

    position among the entities that published this metric this period; not an official level

  5. noteBarton County, KS' typical home value of +10.3% ranks 6th of 105 Kansas counties, against a median of +4.4%.

    Period 2026-08.
    Show the arithmetic
    • 95 on the 0-to-100 scale across 105 Kansas counties that published home.yoyPct

    position among the entities that published this metric this period; not an official level

Read all 7 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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-06
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-06
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-06
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-06
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 20009, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-06
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · payment = P·r / (1 − (1+r)^−n), P = $123,108 × 80% = $98,486, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $674/mo principal and interest; wage share = payment / (avg weekly wage $952 × 52 / 12 = $4,125) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $123,108 / ($952 × 52) = 2.5
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 20009, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-06
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +10.3% / ±10% × 0.3, jobs over-the-year change +0.4% / ±3% × 0.3, avg weekly wage over-the-year change -1.4% / ±6% × 0.25
  • publishedU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    USDM_current · retrieved 2026-10-06
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00062,00054 · period 2026-10-06T07:30:00.000Z · retrieved 2026-10-06
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00010,00060,00065,00095,63680 · period 2026-10-06T08:00:00.000Z · retrieved 2026-10-06
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-06T07:30:00Z · retrieved 2026-10-06
  • estimateUSGS Water Data APIU.S. Geological Surveyopen the source
    · retrieved 2026-10-06 · quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 1 sites = 67 %
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 62610 · period 2026-10-05T00:00:00.000Z · retrieved 2026-10-06
  • estimateU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    · retrieved 2026-10-06 · supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.33 / 0.55 = 0.44; terms drought (D2 / 4), quality (1 − 67 % / 100)
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054 · period 2026-10-06T08:05:00+00:00 · retrieved 2026-10-06
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-06T07:45:00Z · retrieved 2026-10-06
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019,62610,62611 · period 2026-10-05 · retrieved 2026-10-06
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:20009:2026 · period 2026-06-30 · retrieved 2026-10-06
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:20009:2026 · period 2026-06-30 · retrieved 2026-10-06 · HHI = Σ (share %)² over 10 banks with deposits in the county = 33.4² + 19.1² + 15.9² + … (7 more) = 1,962
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-06
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-06 · per job = FY2026 obligations $182.7 m / 11,298 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,168
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_category:20009:FY2026 · period FY2026 · retrieved 2026-10-06
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-06 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-06.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-06.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 20009, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/20009.csv. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $123,108 × 80% = $98,486, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $674/mo principal and interest; wage share = payment / (avg weekly wage $952 × 52 / 12 = $4,125) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $123,108 / ($952 × 52) = 2.5.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 20009, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/20009.csv. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +10.3% / ±10% × 0.3, jobs over-the-year change +0.4% / ±3% × 0.3, avg weekly wage over-the-year change -1.4% / ±6% × 0.25.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. series USDM_current. https://droughtmonitor.unl.edu/CurrentMap.aspx. accessed 2026-10-06.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00062,00054. period 2026-10-06T07:30:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-06.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00010,00060,00065,00095,63680. period 2026-10-06T08:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-06.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-06T07:30:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-06.
  • U.S. Geological Survey. USGS Water Data API. https://api.waterdata.usgs.gov/. accessed 2026-10-06. estimate computed by Embedding Atlas: quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 1 sites = 67 %.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 62610. period 2026-10-05T00:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-06.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. https://droughtmonitor.unl.edu/. accessed 2026-10-06. estimate computed by Embedding Atlas: supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.33 / 0.55 = 0.44; terms drought (D2 / 4), quality (1 − 67 % / 100).
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054. period 2026-10-06T08:05:00+00:00. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-06.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-06T07:45:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-06.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019,62610,62611. period 2026-10-05. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-06.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:20009:2026. period 2026-06-30. https://api.fdic.gov/banks/sod?filters=STCNTYBR%3A20009+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE%2CMSABR%2CMSANAMB&format=json&limit=10000. accessed 2026-10-06.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:20009:2026. period 2026-06-30. https://api.fdic.gov/banks/docs/. accessed 2026-10-06. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 10 banks with deposits in the county = 33.4² + 19.1² + 15.9² + … (7 more) = 1,962.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-06.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-06. estimate computed by Embedding Atlas: per job = FY2026 obligations $182.7 m / 11,298 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,168.
  • U.S. Department of the Treasury. USAspending API. series spending_by_category:20009:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_category/. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-06. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • Water rows are everything within 75 km of this place's internal point (150 km for reservoirs), not everything inside its boundary: lib/water searches discs, and every row prints its own distance.
  • Server report: satellite turbidity is only computed in a browser, so that term is absent here.
  • Stress uses 2 of 4 terms (drought, quality); missing terms are left out, not assumed.
  • Groundwater has no trend term: one latest level cannot say whether an aquifer is being drawn down.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 6 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-06T08:13:53.781Z. Place identity tables pulled 2026-10-01.