Cuming County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.92, -96.79.
Assembled 2026-10-07. Read the brief.
- 62nd pct · 1,147th of 3,063 US counties · median $234,566
- 79th pct · 19th of 89 Nebraska counties · median $218,486
- 92nd pct · 219th of 3,063 US counties · median +2.9%
- 93rd pct · 7th of 89 Nebraska counties · median +4.0%
- US counties: not published this period
- Nebraska counties: not published this period
- 31st pct · 2,214th of 3,221 US counties · median 8,232
- 70th pct · 28th of 93 Nebraska counties · median 2,151
- 46th pct · 1,707th of 3,221 US counties · median $1,039
- 65th pct · 33rd of 93 Nebraska counties · median $970
- 66th pct · 1,033rd of 3,063 US counties · median 4.3
- 76th pct · 22nd of 89 Nebraska counties · median 4.1
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 $272,959 (Aug 2026), +8.6% over one year, +43.2% over five
- 62nd pct · 1,147th of 3,063 US counties · median $234,566
- 79th pct · 19th of 89 Nebraska counties · median $218,486
| Item | Value | Distance |
|---|---|---|
| Cuming County, NE | $272,959 · +8.6% 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
- Nebraska 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 $1,494 a month on $272,959 at 7.28%, against an average weekly wage worth $4,442 a month: 33.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $272,959 × 80% = $218,367, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,494/mo principal and interest
- wage share = payment / (avg weekly wage $1,025 × 52 / 12 = $4,442) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $272,959 / ($1,025 × 52) = 5.1
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 #
3,958 jobs at 415 employers (2026 Q1); +6.3% jobs and +2.3% average weekly wage over the year
- 31st pct · 2,214th of 3,221 US counties · median 8,232
- 70th pct · 28th of 93 Nebraska counties · median 2,151
| Item | Value | Distance |
|---|---|---|
| Cuming County, NE | 3,958 jobs · $1,025/wk · +6.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 465 | $1,114 | 1.46 | +12.9% |
| Retail trade | 322 | $606 | 0.83 | +4.9% |
| Construction | 277 | $1,043 | 1.33 | +36.5% |
| Finance and insurance | 225 | $1,562 | 1.40 | -1.7% |
| Accommodation and food services | 223 | $296 | 0.63 | +15.5% |
| Wholesale trade | 204 | $1,231 | 1.35 | -0.5% |
| Professional and technical services | 160 | $1,391 | 0.59 | +18.5% |
| Other services | 129 | $837 | 1.09 | -11.6% |
| Information | 37 | $1,190 | 0.51 | -9.8% |
| Administrative and waste services | 23 | $1,084 | 0.10 | +0.0% |
| Arts, entertainment and recreation | 20 | $266 | 0.31 | -20.0% |
| Management of companies | 6 | $849 | 0.09 | +0.0% |
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 #
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
32 gauges · 0 flooding · 3 with quality panels averaging 89 % · 7 stale
Sites found: 32, 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 |
|---|---|---|
| Elkhorn River at West Point, Nebr. | flow 647.0 ft³/s · quality 100 % (1) | 10 km |
| LOGAN CREEK AT PENDER NE | flow 221.0 ft³/s · STALE | 23 km |
| Elkhorn River at Pilger, Nebr. | flow 551.0 ft³/s | 24 km |
| Logan Creek near Bancroft, Nebr. | flow 171.0 ft³/s · STALE | 26 km |
| PEBBLE CREEK AT SCRIBNER, NEBR. | flow 52.0 ft³/s · STALE | 30 km |
| Logan Creek near Uehling, Nebr. | flow 242.0 ft³/s | 32 km |
| South Omaha Creek at Walthill, Nebr. | flow 8.58 ft³/s | 36 km |
| Logan Creek at Wakefield, Nebr. | flow 109.0 ft³/s | 41 km |
| North Blackbird Creek at Hwy 75 at Macy, Nebr. | stage 7.95 ft | 43 km |
| South Blackbird Creek at Hwy 75 near Macy, Nebr. | stage 5.34 ft | 43 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 #
22 wells in 0 named aquifers:
Sites found: 22, 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-415022096434301 | depth 12.5 ft · 2026-10-06 | 10 km |
| USGS-420840096290903 | depth 17.6 ft · 2026-10-05 | 36 km |
| USGS-420135096130801 | depth 13.8 ft · 1996-09-29 | 49 km |
| USGS-420136096121501 | depth 9.81 ft · 1996-09-29 | 50 km |
| USGS-420134096111701 | depth 7.88 ft · 1996-09-29 | 51 km |
| USGS-420321096114001 | depth 10.2 ft · 1996-09-29 | 51 km |
| USGS-415501096081201 | depth 9.14 ft · 2014-12-04 | 54 km |
| USGS-415501096080501 | depth 8.69 ft · 1996-09-29 | 54 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 #
low (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.11 / 0.55
Banks & federal dollars #
$882.6 m in deposits at 11 offices of 8 banks (SOD June 2026); HHI 1,762, moderately concentrated. $-87,888 federal obligations in FY2026 (grants $917,062, contracts $708,787), $-22 per covered job
| Item | Value | Distance |
|---|---|---|
| First Community Bank | $212.7 m · 24.1% share · 2 offices | |
| CHARTER WEST BANK | $187.4 m · 21.2% share · 1 office | |
| Citizens State Bank | $167.8 m · 19.0% share · 3 offices | |
| Cuming, NE | $-87,888 FY2026 · $-22/job | |
| MULTIPLE RECIPIENTS | $52.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Community Bank | $212,714,000 | 24.1% | 2 |
| CHARTER WEST BANK | $187,427,000 | 21.2% | 1 |
| Citizens State Bank | $167,828,000 | 19.0% | 3 |
| F&M Bank | $136,717,000 | 15.5% | 1 |
| Pinnacle Bank | $75,785,000 | 8.6% | 1 |
| Midwest Bank | $53,115,000 | 6.0% | 1 |
| Wells Fargo Bank, National Association | $35,442,000 | 4.0% | 1 |
| BankFirst | $13,552,000 | 1.5% | 1 |
Deposit concentration is 1,762 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 24.1² + 21.2² + 19.0² + … (5 more) = 1,762
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 | $48,742,475 |
| Department of Agriculture | $26,512,821 |
| Department of Veterans Affairs | $4,540,563 |
| Department of the Interior | $1,383,145 |
| Federal Communications Commission | $668,189 |
| Department of Health and Human Services | $350,000 |
| Railroad Retirement Board | $247,394 |
| Department of Education | $208,717 |
| Department of Transportation | $184,659 |
| Department of Housing and Urban Development | -$641,258 |
That is -$22 per covered job, against 3,958 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $-87,888 / 3,958 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $-22
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Cuming County, NE: 11 findings, 1 at a watch level and 10 noted
watchCuming County, NE's covered employment of 3,958 scores 31 on the 0-to-100 scale across US counties but 71 across Nebraska counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |31 across US counties - 71 across Nebraska counties|
position among the entities that published this metric this period; not an official level
noteCuming County, NE's covered employment was 6.3% 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
- +6.3 % = 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
noteCuming County, NE's average weekly wage was 2.3% 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
- +2.3 % = 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
noteCuming County, NE's momentum index of 0.77 ranks 118th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 96 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
noteCuming County, NE's covered employment of +6.3% ranks 136th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 96 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 11 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.