Nemaha County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.39, -95.85.
Assembled 2026-10-07. Read the brief.
- 29th pct · 2,163rd of 3,063 US counties · median $234,566
- 30th pct · 62nd of 89 Nebraska counties · median $218,486
- 74th pct · 786th of 3,063 US counties · median +2.9%
- 63rd pct · 33rd of 89 Nebraska counties · median +4.0%
- US counties: not published this period
- Nebraska counties: not published this period
- 24th pct · 2,448th of 3,221 US counties · median 8,232
- 63rd pct · 35th of 93 Nebraska counties · median 2,151
- 92nd pct · 230th of 3,221 US counties · median $1,039
- 98th pct · 2nd of 93 Nebraska counties · median $970
- 7th pct · 2,826th of 3,063 US counties · median 4.3
- 0th pct · 89th 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 $182,351 (Aug 2026), +5.2% over one year, +29.1% over five
- 29th pct · 2,163rd of 3,063 US counties · median $234,566
- 30th pct · 62nd of 89 Nebraska counties · median $218,486
| Item | Value | Distance |
|---|---|---|
| Nemaha County, NE | $182,351 · +5.2% 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
- 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 $998 a month on $182,351 at 7.28%, against an average weekly wage worth $6,522 a month: 15.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $182,351 × 80% = $145,881, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $998/mo principal and interest
- wage share = payment / (avg weekly wage $1,505 × 52 / 12 = $6,522) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $182,351 / ($1,505 × 52) = 2.3
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 #
2,957 jobs at 217 employers (2026 Q1); +2.2% jobs and +5.5% average weekly wage over the year
- 24th pct · 2,448th of 3,221 US counties · median 8,232
- 63rd pct · 35th of 93 Nebraska counties · median 2,151
| Item | Value | Distance |
|---|---|---|
| Nemaha County, NE | 2,957 jobs · $1,505/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 248 | $918 | 0.56 | +1.6% |
| Retail trade | 244 | $522 | 0.85 | +5.2% |
| Accommodation and food services | 188 | $331 | 0.71 | +24.5% |
| Manufacturing | 184 | $1,129 | 0.77 | +4.5% |
| Wholesale trade | 71 | $1,241 | 0.63 | +1.4% |
| Construction | 64 | $897 | 0.41 | +0.0% |
| Other services | 59 | $559 | 0.67 | -13.2% |
| Professional and technical services | 48 | $722 | 0.24 | -4.0% |
| Agriculture, forestry, fishing | 35 | $782 | 1.64 | +0.0% |
| Information | 18 | $733 | 0.33 | +0.0% |
| Arts, entertainment and recreation | 15 | $325 | 0.31 | -21.1% |
| 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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| Stanberry Lake near Gentry, MO | 1,355 Acre-ft (USGS, no capacity on file) | 121 km |
| TUTTLE C LK NR MANHATTAN, KS | 605,000 Acre-ft (USGS, no capacity on file) | 141 km |
| PERRY LK NR PERRY, KS | 297,600 Acre-ft (USGS, no capacity on file) | 146 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 #
24 gauges · 0 flooding · 4 with quality panels averaging 92 % · 6 stale
Sites found: 24, 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 |
|---|---|---|
| Little Nemaha River at Auburn, Nebr. | flow 500.0 ft³/s | 3 km |
| Missouri River at Brownville, NE | flow 45,900 ft³/s | 17 km |
| North Fork Big Nemaha River at Humboldt, Nebr. | flow 174.0 ft³/s | 27 km |
| Nishnabotna River above Hamburg, IA | flow 5,530 ft³/s | 30 km |
| Missouri River at Nebraska City, NE | flow 40,300 ft³/s · quality 90 % (5) | 33 km |
| Tarkio River at Fairfax, MO | flow 361.0 ft³/s | 38 km |
| West Nishnabotna River near Riverton, IA | flow 460.0 ft³/s · STALE | 40 km |
| East Nishnabotna River at Riverton, IA | flow 1,220 ft³/s · STALE | 42 km |
| Big Nemaha River at Falls City, Nebr. | flow 740.0 ft³/s | 45 km |
| Weeping Water Creek at Union, Nebr. | flow 108.0 ft³/s | 46 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 #
25 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 25, 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-403605095443601 | depth 1.76 ft · 1996-10-01 | 26 km |
| USGS-403604095440701 | depth 2.18 ft · 1996-10-01 | 26 km |
| USGS-403602095425801 | depth 2.02 ft · 1996-10-01 | 26 km |
| USGS-403602095411501 | depth 2.72 ft · 1996-10-01 | 28 km |
| USGS-403602095400201 | depth 2.18 ft · 1996-10-01 | 28 km |
| USGS-403032096104801 | depth 15.8 ft · 2001-10-03 | 31 km |
| USGS-404035095500401 | depth 4.67 ft · 1996-10-01 | 32 km |
| USGS-404035095495801 | depth 2.68 ft · 1996-10-01 | 32 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.08 / 0.55
Banks & federal dollars #
$367.3 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 4,187, highly concentrated. $44.7 m federal obligations in FY2026 (contracts $43.7 m, grants $947,718), $15,119 per covered job
| Item | Value | Distance |
|---|---|---|
| Auburn State Bank | $216.9 m · 59.1% share · 1 office | |
| The First National Bank of Johnson | $78.3 m · 21.3% share · 2 offices | |
| Union Bank and Trust Company | $54.6 m · 14.9% share · 1 office | |
| Nemaha, NE | $44.7 m FY2026 · $15,119/job | |
| HENDRICKSON TRANSPORTATION LLC | $43.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Auburn State Bank | $216,927,000 | 59.1% | 1 |
| The First National Bank of Johnson | $78,315,000 | 21.3% | 2 |
| Union Bank and Trust Company | $54,592,000 | 14.9% | 1 |
| Western National Bank | $17,451,000 | 4.8% | 1 |
Deposit concentration is 4,187 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 59.1² + 21.3² + 14.9² + … (1 more) = 4,187
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 |
|---|---|
| Department of Defense | $43,724,249 |
| Social Security Administration | $36,974,135 |
| Department of Veterans Affairs | $4,820,268 |
| Department of Agriculture | $3,586,080 |
| Department of Education | $3,157,313 |
| Department of Housing and Urban Development | $414,165 |
| Railroad Retirement Board | $269,987 |
| Department of Transportation | $109,000 |
| Federal Communications Commission | $77,671 |
That is $15,119 per covered job, against 2,957 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $44.7 m / 2,957 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,119
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 #
Nemaha County, NE: 10 findings, 1 at a watch level and 9 noted
watchNemaha County, NE's covered employment of 2,957 scores 24 on the 0-to-100 scale across US counties but 63 across Nebraska counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |24 across US counties - 63 across Nebraska counties|
position among the entities that published this metric this period; not an official level
noteNemaha County, NE's average weekly wage was 5.5% 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
- +5.5 % = 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
noteNemaha County, NE's covered employment was 2.2% 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
- +2.2 % = 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
noteNemaha County, NE's years of wages of 2.3 ranks 89th of 89 Nebraska counties, against a median of 4.1.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 89 Nebraska counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteNemaha County, NE's average weekly wage of $1,505 ranks 2nd of 93 Nebraska counties, against a median of $970.
Period 2026 Q1.Show the arithmetic
- 99 on the 0-to-100 scale across 93 Nebraska counties that published jobs.avgWeeklyWage
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.