FIPS 31157, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.85, -103.71.
Assembled 2026-10-02. Read the brief.
- 35th pct · 1,964th of 3,063 US counties · median $234,566
- 58th pct · 1,260th of 3,063 US counties · median +2.9%
- US counties: not published this period
- 65th pct · 1,112th of 3,221 US counties · median 8,232
- 49th pct · 1,625th of 3,221 US counties · median $1,039
- 35th pct · 1,973rd of 3,063 US counties · median 4.3
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 $197,069 (Aug 2026), +3.7% over one year, +30.7% over five
- 35th pct · 1,964th of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Scotts Bluff County | $197,069 · +3.7% 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
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 $1,079 a month on $197,069 at 7.28%, against an average weekly wage worth $4,494 a month: 24.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $197,069 × 80% = $157,655, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,079/mo principal and interest
- wage share = payment / (avg weekly wage $1,037 × 52 / 12 = $4,494) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $197,069 / ($1,037 × 52) = 3.7
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 #
15,498 jobs at 1,182 employers (2026 Q1); -2.7% jobs and +2.0% average weekly wage over the year
- 65th pct · 1,112th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Scotts Bluff County | 15,498 jobs · $1,037/wk · -2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,571 | $1,284 | 1.10 | -1.3% |
| Retail trade | 2,127 | $671 | 1.41 | -3.4% |
| Accommodation and food services | 1,437 | $404 | 1.03 | -4.6% |
| Construction | 1,215 | $1,552 | 1.50 | +1.2% |
| Manufacturing | 1,058 | $1,099 | 0.85 | +2.9% |
| Wholesale trade | 760 | $1,292 | 1.28 | -7.2% |
| Administrative and waste services | 522 | $1,001 | 0.59 | +2.0% |
| Other services | 443 | $676 | 0.96 | +0.7% |
| Professional and technical services | 423 | $1,311 | 0.40 | -0.5% |
| Finance and insurance | 386 | $1,506 | 0.61 | -18.2% |
| Information | 193 | $1,197 | 0.68 | -4.9% |
| Arts, entertainment and recreation | 153 | $561 | 0.60 | +7.0% |
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.
Water #
Banks & federal dollars #
$1.2 bn in deposits at 12 offices of 6 banks (SOD June 2026); HHI 4,740, highly concentrated. $292.5 m federal obligations in FY2026 (direct payments $243.5 m, grants $38.6 m), $18,876 per covered job
| Item | Value | Distance |
|---|---|---|
| Platte Valley Bank | $773.8 m · 66.0% share · 5 offices | |
| First National Bank of Omaha | $198.5 m · 16.9% share · 2 offices | |
| U.S. Bank National Association | $98.4 m · 8.4% share · 1 office | |
| Scotts Bluff, NE | $292.5 m FY2026 · $18,876/job | |
| MULTIPLE RECIPIENTS | $224.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Platte Valley Bank | $773,817,000 | 66.0% | 5 |
| First National Bank of Omaha | $198,521,000 | 16.9% | 2 |
| U.S. Bank National Association | $98,408,000 | 8.4% | 1 |
| Pinnacle Bank - Wyoming | $50,917,000 | 4.3% | 1 |
| Riverstone Bank | $34,575,000 | 2.9% | 2 |
| Security First Bank | $16,601,000 | 1.4% | 1 |
Deposit concentration is 4,740 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 = 66.0² + 16.9² + 8.4² + … (3 more) = 4,740
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 | $186,481,795 |
| Department of Veterans Affairs | $31,291,061 |
| Department of Transportation | $27,241,007 |
| Department of Agriculture | $14,561,207 |
| Railroad Retirement Board | $12,578,903 |
| Department of Health and Human Services | $7,977,415 |
| Department of Education | $5,725,826 |
| Department of Housing and Urban Development | $3,832,202 |
| Department of Defense | $1,348,723 |
| Department of Energy | $597,285 |
| Department of Justice | $404,420 |
| Federal Communications Commission | $397,357 |
That is $18,876 per covered job, against 15,498 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $292.5 m / 15,498 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,876
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +0.1% |
| 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 · % | 4.10 | 2026-08-01 | +0.0% |
| 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 #
FIPS 31157, NE: 5 findings, 1 at a watch level and 4 noted
watchFIPS 31157, NE's covered employment is -2.7% 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 = -2.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFIPS 31157, NE's covered employment was 2.7% 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
- -2.7 % = 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
noteFIPS 31157, NE's average weekly wage was 2.0% 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 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering FIPS 31157, NE is due between 2026-09-25 and 2026-10-09, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-09-25 to 2026-10-09, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering FIPS 31157, NE is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.