Stevens County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.20, -101.32.
Assembled 2026-10-06. Read the brief.
- 24th pct · 2,320th of 3,063 US counties · median $234,566
- 60th pct · 42nd of 105 Kansas counties · median $153,214
- 82nd pct · 550th of 3,063 US counties · median +2.9%
- 68th pct · 34th of 105 Kansas counties · median +4.4%
- US counties: not published this period
- Kansas counties: not published this period
- 17th pct · 2,660th of 3,221 US counties · median 8,232
- 41st pct · 62nd of 105 Kansas counties · median 2,554
- 71st pct · 907th of 3,221 US counties · median $1,039
- 92nd pct · 9th of 105 Kansas counties · median $943
- 16th pct · 2,571st of 3,063 US counties · median 4.3
- 37th pct · 66th 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 $171,405 (Aug 2026), +6.3% over one year, +24.9% over five
- 24th pct · 2,320th of 3,063 US counties · median $234,566
- 60th pct · 42nd of 105 Kansas counties · median $153,214
| Item | Value | Distance |
|---|---|---|
| Stevens County, KS | $171,405 · +6.3% 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 #
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 $938 a month on $171,405 at 7.28%, against an average weekly wage worth $5,044 a month: 18.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $171,405 × 80% = $137,124, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $938/mo principal and interest
- wage share = payment / (avg weekly wage $1,164 × 52 / 12 = $5,044) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $171,405 / ($1,164 × 52) = 2.8
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 #
2,150 jobs at 206 employers (2026 Q1); +1.7% jobs and +9.6% average weekly wage over the year
- 17th pct · 2,660th of 3,221 US counties · median 8,232
- 41st pct · 62nd of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Stevens County, KS | 2,150 jobs · $1,164/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 306 | $2,061 | 39.97 | -3.2% |
| Agriculture, forestry, fishing | 285 | $1,065 | 18.35 | +2.9% |
| Manufacturing | 247 | $1,831 | 1.43 | +59.4% |
| Accommodation and food services | 119 | $347 | 0.62 | -14.4% |
| Retail trade | 108 | $580 | 0.52 | -11.5% |
| Wholesale trade | 101 | $1,147 | 1.23 | +0.0% |
| Transportation and warehousing | 94 | $1,411 | 1.04 | -1.1% |
| Construction | 52 | $1,010 | 0.46 | +0.0% |
| Professional and technical services | 20 | $1,313 | 0.13 | -4.8% |
| Utilities | 15 | $936 | 1.77 | +0.0% |
| Administrative and waste services | 7 | $786 | 0.06 | +0.0% |
| Information | 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 #
D1 moderate 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 #
0 % of conservation capacity, weighted over 1 TWDB reservoirs
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| Palo Duro Reservoir | 0 % full · 61k ac-ft | 96 km |
| HORSETHIEF RE NR JETMORE, KS | 5,391 Acre-ft (USGS, no capacity on file) | 147 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 #
6 gauges · 0 flooding · 0 with quality panels · 4 stale
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 |
|---|---|---|
| CIMARRON R NR ELKHART, KS | flow 0.00 ft³/s · observation not current · STALE | 52 km |
| Beaver River near Guymon, OK | flow 0.00 ft³/s · STALE | 56 km |
| BEAR C NR JOHNSON, KS | flow 0.00 ft³/s · STALE | 61 km |
| Beaver River near Goodwell, OK | stage 6.85 ft · no flooding | 62 km |
| Coldwater Creek near Guymon, OK | flow 0.00 ft³/s · STALE | 70 km |
| SOUTHSIDE DITCH NR LAKIN, KS | flow 0.00 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 #
4 wells in 0 named aquifers:
Sites found: 4, 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-370130101180902 | level 2,905 ft · 2017-11-13 | 20 km |
| USGS-370130101180903 | level 2,900 ft · 2017-09-30 | 20 km |
| USGS-370033100534204 | level 2,691 ft · 2017-09-30 | 43 km |
| USGS-370033100534202 | level 2,656 ft · 2017-09-30 | 43 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 #
high (0.59)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×1.00 / 0.65
Banks & federal dollars #
$165.8 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 5,509, highly concentrated. $34.2 m federal obligations in FY2026 (direct payments $33.9 m, grants $314,217), $15,912 per covered job
| Item | Value | Distance |
|---|---|---|
| The Citizens State Bank | $118.4 m · 71.4% share · 1 office | |
| Dream First Bank, National Association | $25.2 m · 15.2% share · 1 office | |
| Equity Bank | $22.2 m · 13.4% share · 1 office | |
| Stevens, KS | $34.2 m FY2026 · $15,912/job | |
| MULTIPLE RECIPIENTS | $21.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Citizens State Bank | $118,367,000 | 71.4% | 1 |
| Dream First Bank, National Association | $25,175,000 | 15.2% | 1 |
| Equity Bank | $22,230,000 | 13.4% | 1 |
Deposit concentration is 5,509 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 71.4² + 15.2² + 13.4² = 5,509
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 | $20,398,183 |
| Department of Agriculture | $12,384,310 |
| Department of Veterans Affairs | $1,090,711 |
| Federal Communications Commission | $268,716 |
| Department of Health and Human Services | $87,898 |
| Department of Education | $27,502 |
| Department of Transportation | -$46,056 |
That is $15,912 per covered job, against 2,150 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $34.2 m / 2,150 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,912
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 #
Stevens County, KS: 8 findings, 1 at a watch level and 7 noted
watchStevens County, KS' typical home value of $171,405 scores 24 on the 0-to-100 scale across US counties but 61 across Kansas counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |24 across US counties - 61 across Kansas counties|
position among the entities that published this metric this period; not an official level
noteStevens County, KS' average weekly wage was 9.6% 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
- +9.6 % = 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
noteStevens County, KS' covered employment was 1.7% 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
- +1.7 % = 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
noteStevens County, KS' typical home value fell 0.3% from $171,979 in July 2026 to $171,405 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (171404.50839368723 - 171978.90233316005) / 171978.90233316005 × 100
- 171404.50839368723 = Zillow ZHVI, 2026-08
- 171978.90233316005 = Zillow ZHVI, 2026-07
noteStevens County, KS' momentum index of 0.72 ranks 171st of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 3221 US counties that published 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%)
position among the entities that published this metric this period; not an official level
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.