Furnas County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.19, -99.91.
Assembled 2026-10-06. Read the brief.
- 6th pct · 2,853rd of 3,063 US counties · median $234,566
- 1st pct · 88th of 89 Nebraska counties · median $218,486
- 5th pct · 2,887th of 3,063 US counties · median +2.9%
- 4th pct · 85th of 89 Nebraska counties · median +4.0%
- US counties: not published this period
- Nebraska counties: not published this period
- 14th pct · 2,764th of 3,221 US counties · median 8,232
- 46th pct · 50th of 93 Nebraska counties · median 2,151
- 26th pct · 2,359th of 3,221 US counties · median $1,039
- 42nd pct · 54th of 93 Nebraska counties · median $970
- 10th pct · 2,744th of 3,063 US counties · median 4.3
- 1st pct · 88th 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 $121,746 (Aug 2026), -4.0% over one year, -22.6% over five
- 6th pct · 2,853rd of 3,063 US counties · median $234,566
- 1st pct · 88th of 89 Nebraska counties · median $218,486
| Item | Value | Distance |
|---|---|---|
| Furnas County, NE | $121,746 · -4.0% 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 $666 a month on $121,746 at 7.28%, against an average weekly wage worth $4,065 a month: 16.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $121,746 × 80% = $97,397, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $666/mo principal and interest
- wage share = payment / (avg weekly wage $938 × 52 / 12 = $4,065) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $121,746 / ($938 × 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 #
1,774 jobs at 208 employers (2026 Q1); +2.3% jobs and +1.2% average weekly wage over the year
- 14th pct · 2,764th of 3,221 US counties · median 8,232
- 46th pct · 50th of 93 Nebraska counties · median 2,151
| Item | Value | Distance |
|---|---|---|
| Furnas County, NE | 1,774 jobs · $938/wk · +2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 258 | $1,047 | 0.97 | +6.6% |
| Retail trade | 194 | $462 | 1.12 | +7.8% |
| Manufacturing | 107 | $1,050 | 0.75 | -11.6% |
| Wholesale trade | 104 | $1,431 | 1.53 | +50.7% |
| Information | 78 | $1,244 | 2.39 | -1.3% |
| Transportation and warehousing | 60 | $1,045 | 0.80 | +7.1% |
| Construction | 49 | $1,194 | 0.53 | +8.9% |
| Professional and technical services | 48 | $1,107 | 0.39 | +6.7% |
| Other services | 21 | $593 | 0.40 | +10.5% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Finance and insurance | 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 #
D0 abnormally dry
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| Harlan County Lake Near Republican City, Nebr. | 169,900 Acre-ft (USGS, no capacity on file) | 61 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 #
27 gauges · 0 flooding · 1 with quality panels averaging 100 % · 10 stale
Sites found: 27, 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 |
|---|---|---|
| Beaver Creek near Beaver City, Nebr. | flow 0.40 ft³/s | 8 km |
| MUDDY CREEK AT ARAPAHOE, NEBR. | flow 7.40 ft³/s · STALE | 13 km |
| SAPPA CREEK NEAR BEAVER CITY, NEBR. | flow 0.00 ft³/s · STALE | 16 km |
| TURKEY CREEK AT EDISON, NEBR. | flow 12.0 ft³/s · STALE | 17 km |
| SAPPA C NR LYLE, KS | flow 0.99 ft³/s | 22 km |
| Republican River at Cambridge, Nebr. | flow 22.2 ft³/s · STALE | 22 km |
| MEDICINE CREEK BELOW HARRY STRUNK LAKE, NEBR. | flow 77.0 ft³/s · STALE | 33 km |
| Sappa Creek near Stamford, Nebr. | flow 0.40 ft³/s | 34 km |
| Republican River near Orleans, Nebr. | flow 59.9 ft³/s | 35 km |
| PRAIRIE DOG C AT NORTON, KS | flow 0.05 ft³/s · STALE | 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 #
11 wells in 0 named aquifers:
Sites found: 11, 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-402101099595001 | depth 133.3 ft · 2001-03-17 | 19 km |
| USGS-401416099270601 | depth 139.4 ft · 2001-03-13 | 39 km |
| USGS-403132099381001 | depth 160.9 ft · 1994-08-08 | 44 km |
| USGS-400920099215501 | depth 89.4 ft · 2001-03-12 | 46 km |
| USGS-401857099195201 | depth 179.3 ft · 2001-03-12 | 51 km |
| USGS-403217099235801 | depth 18.7 ft · 1994-08-08 | 58 km |
| USGS-404717099460501 | depth 8.15 ft · 2026-10-05 | 67 km |
| USGS-404343099272901 | depth 21.1 ft · 2026-10-05 | 71 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$263.1 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,871, highly concentrated. $45.8 m federal obligations in FY2026 (direct payments $43.0 m, grants $2.8 m), $25,842 per covered job
| Item | Value | Distance |
|---|---|---|
| First Central Bank | $117.7 m · 44.7% share · 3 offices | |
| Banner Capital Bank | $53.9 m · 20.5% share · 1 office | |
| Waypoint Bank | $45.2 m · 17.2% share · 1 office | |
| Furnas, NE | $45.8 m FY2026 · $25,842/job | |
| MULTIPLE RECIPIENTS | $32.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Central Bank | $117,715,000 | 44.7% | 3 |
| Banner Capital Bank | $53,867,000 | 20.5% | 1 |
| Waypoint Bank | $45,178,000 | 17.2% | 1 |
| First State Bank | $23,864,000 | 9.1% | 2 |
| South Central State Bank | $22,497,000 | 8.6% | 1 |
Deposit concentration is 2,871 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 44.7² + 20.5² + 17.2² + … (2 more) = 2,871
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 | $28,005,467 |
| Department of Agriculture | $11,463,368 |
| Department of Veterans Affairs | $3,828,290 |
| Department of Transportation | $1,124,870 |
| Railroad Retirement Board | $893,319 |
| Department of Housing and Urban Development | $344,694 |
| Department of Education | $133,173 |
| Federal Communications Commission | $55,021 |
| Department of the Treasury | -$4,511 |
That is $25,842 per covered job, against 1,774 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $45.8 m / 1,774 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,842
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 #
Furnas County, NE: 10 findings, 2 at a watch level and 8 noted
watchFurnas County, NE's typical home value is -4.0% 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 = -3.9668305649809508 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchFurnas County, NE's covered employment of 1,774 scores 14 on the 0-to-100 scale across US counties but 47 across Nebraska counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |14 across US counties - 47 across Nebraska counties|
position among the entities that published this metric this period; not an official level
noteFurnas County, NE's covered employment 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
noteFurnas County, NE's average weekly wage was 1.2% 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
- +1.2 % = 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
noteFurnas County, NE's typical home value of $121,746 ranks 88th of 89 Nebraska counties, against a median of $218,486.
Period 2026-08.Show the arithmetic
- 1 on the 0-to-100 scale across 89 Nebraska counties that published home.latest
position among the entities that published this metric this period; not an official level
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.