Richardson County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.12, -95.72.
Assembled 2026-10-06. Read the brief.
- 6th pct · 2,855th of 3,063 US counties · median $234,566
- 0th pct · 89th of 89 Nebraska counties · median $218,486
- 56th pct · 1,328th of 3,063 US counties · median +2.9%
- 44th pct · 50th of 89 Nebraska counties · median +4.0%
- US counties: not published this period
- Nebraska counties: not published this period
- 18th pct · 2,625th of 3,221 US counties · median 8,232
- 53rd pct · 44th of 93 Nebraska counties · median 2,151
- 17th pct · 2,654th of 3,221 US counties · median $1,039
- 29th pct · 65th of 93 Nebraska counties · median $970
- 12th pct · 2,678th of 3,063 US counties · median 4.3
- 2nd pct · 87th 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 $121,678 (Aug 2026), +3.5% over one year, +16.0% over five
- 6th pct · 2,855th of 3,063 US counties · median $234,566
- 0th pct · 89th of 89 Nebraska counties · median $218,486
| Item | Value | Distance |
|---|---|---|
| Richardson County, NE | $121,678 · +3.5% 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 $121,678 at 7.28%, against an average weekly wage worth $3,861 a month: 17.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $121,678 × 80% = $97,343, 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 $891 × 52 / 12 = $3,861) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $121,678 / ($891 × 52) = 2.6
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 #
2,278 jobs at 291 employers (2026 Q1); -2.1% jobs and +5.7% average weekly wage over the year
- 18th pct · 2,625th of 3,221 US counties · median 8,232
- 53rd pct · 44th of 93 Nebraska counties · median 2,151
| Item | Value | Distance |
|---|---|---|
| Richardson County, NE | 2,278 jobs · $891/wk · -2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 231 | $687 | 1.04 | -0.4% |
| Accommodation and food services | 177 | $409 | 0.86 | +10.6% |
| Manufacturing | 167 | $1,154 | 0.91 | -4.6% |
| Wholesale trade | 121 | $1,172 | 1.39 | +2.5% |
| Professional and technical services | 86 | $1,072 | 0.55 | +0.0% |
| Construction | 75 | $816 | 0.63 | +7.1% |
| Other services | 67 | $578 | 0.98 | -4.3% |
| Information | 19 | $1,741 | 0.45 | -5.0% |
| Arts, entertainment and recreation | 7 | $410 | 0.19 | +75.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| 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 #
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 #
$386.7 m in deposits at 8 offices of 6 banks (SOD June 2026); HHI 2,600, highly concentrated. $62.9 m federal obligations in FY2026 (direct payments $57.6 m, grants $4.9 m), $27,604 per covered job
| Item | Value | Distance |
|---|---|---|
| Equity Bank | $146.2 m · 37.8% share · 1 office | |
| F&M Bank | $115.1 m · 29.8% share · 2 offices | |
| Associated Bank, National Association | $45.7 m · 11.8% share · 2 offices | |
| Richardson, NE | $62.9 m FY2026 · $27,604/job | |
| MULTIPLE RECIPIENTS | $54.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Equity Bank | $146,174,000 | 37.8% | 1 |
| F&M Bank | $115,087,000 | 29.8% | 2 |
| Associated Bank, National Association | $45,652,000 | 11.8% | 2 |
| State Bank of Table Rock | $31,349,000 | 8.1% | 1 |
| Nebraska Bank | $28,251,000 | 7.3% | 1 |
| First Interstate Bank | $20,216,000 | 5.2% | 1 |
Deposit concentration is 2,600 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 37.8² + 29.8² + 11.8² + … (3 more) = 2,600
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 | $46,725,561 |
| Department of Veterans Affairs | $4,794,431 |
| Department of Transportation | $4,784,088 |
| Department of Agriculture | $2,738,459 |
| Railroad Retirement Board | $2,700,755 |
| Department of Housing and Urban Development | $671,428 |
| Department of Defense | $401,218 |
| Federal Communications Commission | $41,782 |
| Department of Education | $26,909 |
| Environmental Protection Agency | $0 |
| Department of Health and Human Services | $0 |
| Department of the Interior | -$1,643 |
That is $27,604 per covered job, against 2,278 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $62.9 m / 2,278 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,604
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Richardson County, NE: 8 findings, 2 at a watch level and 6 noted
watchRichardson County, NE's covered employment is -2.1% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -2.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchRichardson County, NE's covered employment of 2,278 scores 19 on the 0-to-100 scale across US counties but 53 across Nebraska counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |19 across US counties - 53 across Nebraska counties|
position among the entities that published this metric this period; not an official level
noteRichardson County, NE's average weekly wage was 5.7% 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
- +5.7 % = 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
noteRichardson County, NE's covered employment was 2.1% lower 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
- -2.1 % = 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
noteRichardson County, NE's typical home value of $121,678 ranks 89th of 89 Nebraska counties, against a median of $218,486.
Period 2026-08.Show the arithmetic
- 0 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 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.