Nemaha County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.79, -96.01.
Assembled 2026-10-06. Read the brief.
- 55th pct · 1,377th of 3,063 US counties · median $234,566
- 89th pct · 12th of 105 Kansas counties · median $153,214
- 96th pct · 120th of 3,063 US counties · median +2.9%
- 94th pct · 7th of 105 Kansas counties · median +4.4%
- US counties: not published this period
- Kansas counties: not published this period
- 41st pct · 1,897th of 3,221 US counties · median 8,232
- 71st pct · 31st of 105 Kansas counties · median 2,554
- 49th pct · 1,637th of 3,221 US counties · median $1,039
- 79th pct · 22nd of 105 Kansas counties · median $943
- 57th pct · 1,317th of 3,063 US counties · median 4.3
- 84th pct · 17th 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 #
Typical home $248,218 (Aug 2026), +10.2% over one year, +43.6% over five
- 55th pct · 1,377th of 3,063 US counties · median $234,566
- 89th pct · 12th of 105 Kansas counties · median $153,214
| Item | Value | Distance |
|---|---|---|
| Nemaha County, KS | $248,218 · +10.2% 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
- 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 #
Principal and interest of $1,359 a month on $248,218 at 7.28%, against an average weekly wage worth $4,485 a month: 30.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $248,218 × 80% = $198,575, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,359/mo principal and interest
- wage share = payment / (avg weekly wage $1,035 × 52 / 12 = $4,485) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $248,218 / ($1,035 × 52) = 4.6
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 #
5,768 jobs at 429 employers (2026 Q1); +1.3% jobs and +5.9% average weekly wage over the year
- 41st pct · 1,897th of 3,221 US counties · median 8,232
- 71st pct · 31st of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Nemaha County, KS | 5,768 jobs · $1,035/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,442 | $1,389 | 3.11 | +2.0% |
| Health care and social assistance | 905 | $851 | 1.04 | +2.1% |
| Transportation and warehousing | 422 | $1,421 | 1.74 | +3.4% |
| Wholesale trade | 396 | $1,294 | 1.79 | +0.0% |
| Construction | 283 | $1,073 | 0.94 | -0.7% |
| Professional and technical services | 149 | $1,147 | 0.37 | -1.3% |
| Other services | 102 | $772 | 0.59 | +9.7% |
| Administrative and waste services | 88 | $815 | 0.27 | +25.7% |
| Information | 39 | $830 | 0.37 | +2.6% |
| 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 #
No drought class at this point (USDM covers the United States only)
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 #
$1.2 bn in deposits at 13 offices of 7 banks (SOD June 2026); HHI 2,776, highly concentrated. $67.1 m federal obligations in FY2026 (direct payments $62.8 m, grants $4.3 m), $11,641 per covered job
| Item | Value | Distance |
|---|---|---|
| Community National Bank | $503.2 m · 42.9% share · 2 offices | |
| United Bank & Trust | $245.4 m · 20.9% share · 4 offices | |
| First Heritage Bank | $240.9 m · 20.5% share · 3 offices | |
| Nemaha, KS | $67.1 m FY2026 · $11,641/job | |
| MULTIPLE RECIPIENTS | $54.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community National Bank | $503,181,000 | 42.9% | 2 |
| United Bank & Trust | $245,417,000 | 20.9% | 4 |
| First Heritage Bank | $240,854,000 | 20.5% | 3 |
| UMB Bank, National Association | $78,586,000 | 6.7% | 1 |
| The State Bank of Bern | $49,315,000 | 4.2% | 1 |
| Elk State Bank | $44,515,000 | 3.8% | 1 |
| GNBank, National Association | $11,417,000 | 1.0% | 1 |
Deposit concentration is 2,776 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 = 42.9² + 20.9² + 20.5² + … (4 more) = 2,776
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 | $49,920,296 |
| Department of Agriculture | $8,285,861 |
| Department of Veterans Affairs | $3,854,938 |
| Department of Transportation | $3,668,729 |
| Railroad Retirement Board | $714,903 |
| Department of Housing and Urban Development | $346,185 |
| Department of Health and Human Services | $300,000 |
| Federal Communications Commission | $53,667 |
| Small Business Administration | $0 |
That is $11,641 per covered job, against 5,768 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $67.1 m / 5,768 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,641
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 #
Nemaha County, KS: 10 findings, 3 at a watch level and 7 noted
watchNemaha County, KS' typical home value of $248,218 scores 55 on the 0-to-100 scale across US counties but 89 across Kansas counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |55 across US counties - 89 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchNemaha County, KS' average weekly wage of $1,035 scores 49 on the 0-to-100 scale across US counties but 79 across Kansas counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |49 across US counties - 79 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchNemaha County, KS' covered employment of 5,768 scores 41 on the 0-to-100 scale across US counties but 71 across Kansas counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |41 across US counties - 71 across Kansas counties|
position among the entities that published this metric this period; not an official level
noteNemaha County, KS' average weekly wage was 5.9% 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
- +5.9 % = 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
noteNemaha County, KS' covered employment was 1.3% 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
- +1.3 % = 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 10 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.