Gosper County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.51, -99.82.
Assembled 2026-10-06. Read the brief.
- 73rd pct · 805th of 3,063 US counties · median $234,566
- 94th pct · 6th of 89 Nebraska counties · median $218,486
- 13th pct · 2,657th of 3,063 US counties · median +2.9%
- 6th pct · 83rd of 89 Nebraska counties · median +4.0%
- US counties: not published this period
- Nebraska counties: not published this period
- 1st pct · 3,163rd of 3,221 US counties · median 8,232
- 14th pct · 80th of 93 Nebraska counties · median 2,151
- 61st pct · 1,252nd of 3,221 US counties · median $1,039
- 80th pct · 19th of 93 Nebraska counties · median $970
- 74th pct · 794th of 3,063 US counties · median 4.3
- 85th pct · 14th 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 $319,894 (Aug 2026), -1.3% over one year, +35.0% over five
- 73rd pct · 805th of 3,063 US counties · median $234,566
- 94th pct · 6th of 89 Nebraska counties · median $218,486
| Item | Value | Distance |
|---|---|---|
| Gosper County, NE | $319,894 · -1.3% 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
- 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 $1,751 a month on $319,894 at 7.28%, against an average weekly wage worth $4,741 a month: 36.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $319,894 × 80% = $255,915, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,751/mo principal and interest
- wage share = payment / (avg weekly wage $1,094 × 52 / 12 = $4,741) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $319,894 / ($1,094 × 52) = 5.6
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 #
419 jobs at 78 employers (2026 Q1); +3.5% jobs and +2.7% average weekly wage over the year
- 1st pct · 3,163rd of 3,221 US counties · median 8,232
- 14th pct · 80th of 93 Nebraska counties · median 2,151
| Item | Value | Distance |
|---|---|---|
| Gosper County, NE | 419 jobs · $1,094/wk · +3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 65 | $918 | 21.48 | +35.4% |
| Wholesale trade | 54 | $2,162 | 3.36 | -5.3% |
| Other services | 11 | $278 | 0.88 | +0.0% |
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Retail trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld | |||
| Health care and social assistance | 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 #
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 #
$66.7 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,584, highly concentrated. $23.3 m federal obligations in FY2026 (direct payments $23.4 m, loans $112), $55,497 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $44.8 m · 67.1% share · 1 office | |
| Security First Bank | $22.0 m · 32.9% share · 1 office | |
| Gosper, NE | $23.3 m FY2026 · $55,497/job | |
| MULTIPLE RECIPIENTS | $14.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $44,774,000 | 67.1% | 1 |
| Security First Bank | $21,958,000 | 32.9% | 1 |
Deposit concentration is 5,584 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 67.1² + 32.9² = 5,584
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 | $12,364,308 |
| Department of Agriculture | $8,980,177 |
| Department of Veterans Affairs | $1,585,990 |
| Railroad Retirement Board | $388,034 |
| Department of Education | $24,482 |
| Department of Housing and Urban Development | $21,670 |
| Federal Communications Commission | $11,806 |
| Department of Transportation | -$123,228 |
That is $55,497 per covered job, against 419 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $23.3 m / 419 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $55,497
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 #
Gosper County, NE: 8 findings, 1 at a watch level and 7 noted
watchGosper County, NE's typical home value is -1.3% 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 = -1.2962448237569995 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteGosper County, NE's covered employment was 3.5% 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
- +3.5 % = 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
noteGosper County, NE's average weekly wage was 2.7% 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
- +2.7 % = 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
noteGosper County, NE's typical home value rose 0.3% from $318,847 in July 2026 to $319,894 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (319893.98802308517 - 318846.5126471302) / 318846.5126471302 × 100
- 319893.98802308517 = Zillow ZHVI, 2026-08
- 318846.5126471302 = Zillow ZHVI, 2026-07
noteGosper County, NE's covered employment of 419 ranks 3,163rd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 2 on the 0-to-100 scale across 3221 US counties that published jobs.emp
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.