FIPS 20057, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.69, -99.89.
Assembled 2026-10-02. Read the brief.
- 39th pct · 1,850th of 3,063 US counties · median $234,566
- 8th pct · 2,815th of 3,063 US counties · median +2.9%
- US counties: not published this period
- 69th pct · 988th of 3,221 US counties · median 8,232
- 39th pct · 1,930th of 3,221 US counties · median $1,039
- 44th pct · 1,702nd of 3,063 US counties · median 4.3
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 $207,878 (Aug 2026), -2.6% over one year, +36.9% over five
- 39th pct · 1,850th of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Ford County | $207,878 · -2.6% 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
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 $1,138 a month on $207,878 at 7.28%, against an average weekly wage worth $4,312 a month: 26.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $207,878 × 80% = $166,302, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,138/mo principal and interest
- wage share = payment / (avg weekly wage $995 × 52 / 12 = $4,312) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $207,878 / ($995 × 52) = 4.0
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 #
18,353 jobs at 864 employers (2026 Q1); +0.2% jobs and -0.5% average weekly wage over the year
- 69th pct · 988th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Ford County | 18,353 jobs · $995/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 6,922 | $1,127 | 4.69 | -0.1% |
| Retail trade | 1,650 | $615 | 0.92 | -1.2% |
| Accommodation and food services | 1,282 | $418 | 0.78 | +2.1% |
| Administrative and waste services | 1,091 | $768 | 1.05 | +12.0% |
| Arts, entertainment and recreation | 560 | $597 | 1.85 | +6.9% |
| Wholesale trade | 538 | $1,363 | 0.77 | -6.8% |
| Construction | 470 | $1,189 | 0.49 | -1.9% |
| Transportation and warehousing | 437 | $1,014 | 0.56 | -12.6% |
| Other services | 345 | $1,011 | 0.63 | +7.5% |
| Professional and technical services | 291 | $1,154 | 0.23 | -3.3% |
| Finance and insurance | 256 | $1,439 | 0.34 | -1.5% |
| Utilities | 158 | $2,193 | 2.18 | +1.9% |
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.
Water #
Banks & federal dollars #
$855.2 m in deposits at 14 offices of 11 banks (SOD June 2026); HHI 1,375, moderately concentrated. $137.4 m federal obligations in FY2026 (direct payments $128.7 m, grants $8.2 m), $7,485 per covered job
| Item | Value | Distance |
|---|---|---|
| Sunflower Bank, National Association | $177.8 m · 20.8% share · 1 office | |
| Landmark National Bank | $155.8 m · 18.2% share · 2 offices | |
| The Fidelity State Bank and Trust Company | $147.2 m · 17.2% share · 3 offices | |
| Ford, KS | $137.4 m FY2026 · $7,485/job | |
| MULTIPLE RECIPIENTS | $107.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Sunflower Bank, National Association | $177,775,000 | 20.8% | 1 |
| Landmark National Bank | $155,759,000 | 18.2% | 2 |
| The Fidelity State Bank and Trust Company | $147,155,000 | 17.2% | 3 |
| The Western State Bank | $100,048,000 | 11.7% | 1 |
| Centera Bank | $57,263,000 | 6.7% | 1 |
| The First National Bank of Spearville | $53,638,000 | 6.3% | 1 |
| Ford County State Bank | $52,803,000 | 6.2% | 1 |
| The Farmers State Bank of Bucklin, Kansas | $52,101,000 | 6.1% | 1 |
| GNBank, National Association | $29,307,000 | 3.4% | 1 |
| BMO Bank National Association | $20,704,000 | 2.4% | 1 |
Deposit concentration is 1,375 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 20.8² + 18.2² + 17.2² + … (8 more) = 1,375
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 | $98,900,676 |
| Department of Transportation | $11,491,764 |
| Department of Agriculture | $8,714,102 |
| Department of Veterans Affairs | $8,045,808 |
| Department of Housing and Urban Development | $3,676,362 |
| Department of Education | $2,691,233 |
| Department of Health and Human Services | $2,625,772 |
| Railroad Retirement Board | $577,351 |
| Department of Defense | $396,352 |
| Federal Communications Commission | $237,181 |
| Department of Commerce | $12,395 |
That is $7,485 per covered job, against 18,353 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $137.4 m / 18,353 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,485
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +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 · % | 4.10 | 2026-08-01 | +0.0% |
| 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 #
FIPS 20057, KS: 7 findings, 2 at a watch level and 5 noted
watchFIPS 20057, KS' typical home value is -2.6% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -2.6411553925538374 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchFIPS 20057, KS' average weekly wage is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteFIPS 20057, KS' average weekly wage was 0.5% 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
- -0.5 % = 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
noteFIPS 20057, KS' covered employment was 0.2% 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
- +0.2 % = 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
noteFIPS 20057, KS' typical home value of -2.6% ranks 2,815th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 8 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
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.