FIPS 32013, NV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.41, -118.11.
Assembled 2026-10-02. Read the brief.
- 79th pct · 627th of 3,063 US counties · median $234,566
- 62nd pct · 1,146th of 3,063 US counties · median +2.9%
- US counties: not published this period
- 50th pct · 1,603rd of 3,221 US counties · median 8,232
- 95th pct · 132nd of 3,221 US counties · median $1,039
- 45th pct · 1,665th 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 $352,585 (Aug 2026), +4.1% over one year, +27.6% over five
- 79th pct · 627th of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Humboldt County | $352,585 · +4.1% 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 $1,930 a month on $352,585 at 7.28%, against an average weekly wage worth $7,228 a month: 26.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $352,585 × 80% = $282,068, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,930/mo principal and interest
- wage share = payment / (avg weekly wage $1,668 × 52 / 12 = $7,228) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $352,585 / ($1,668 × 52) = 4.1
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 #
8,290 jobs at 529 employers (2026 Q1); +7.3% jobs and +9.7% average weekly wage over the year
- 50th pct · 1,603rd of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Humboldt County | 8,290 jobs · $1,668/wk · +7.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 2,035 | $3,116 | 68.94 | +4.9% |
| Accommodation and food services | 995 | $604 | 1.34 | +17.2% |
| Retail trade | 913 | $731 | 1.13 | -1.5% |
| Construction | 403 | $1,486 | 0.93 | +59.3% |
| Transportation and warehousing | 350 | $1,350 | 1.00 | +50.9% |
| Manufacturing | 320 | $1,505 | 0.48 | +3.2% |
| Agriculture, forestry, fishing | 319 | $944 | 5.33 | -0.9% |
| Other services | 206 | $1,209 | 0.83 | +0.0% |
| Administrative and waste services | 197 | $1,037 | 0.42 | +18.7% |
| Wholesale trade | 154 | $2,022 | 0.48 | -5.5% |
| Arts, entertainment and recreation | 123 | $503 | 0.90 | +9.8% |
| Utilities | 108 | $3,707 | 3.30 | -8.5% |
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 #
$358.7 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,630, highly concentrated. $114.2 m federal obligations in FY2026 (direct payments $89.4 m, grants $19.8 m), $13,773 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $162.9 m · 45.4% share · 1 office | |
| U.S. Bank National Association | $120.4 m · 33.6% share · 1 office | |
| Zions Bancorporation, N.A. | $75.5 m · 21.0% share · 1 office | |
| Humboldt, NV | $114.2 m FY2026 · $13,773/job | |
| MULTIPLE RECIPIENTS | $83.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $162,856,000 | 45.4% | 1 |
| U.S. Bank National Association | $120,397,000 | 33.6% | 1 |
| Zions Bancorporation, N.A. | $75,464,000 | 21.0% | 1 |
Deposit concentration is 3,630 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 45.4² + 33.6² + 21.0² = 3,630
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 | $72,869,719 |
| Department of Transportation | $15,278,078 |
| Department of Veterans Affairs | $9,238,521 |
| Department of the Interior | $6,078,691 |
| Department of Agriculture | $4,610,900 |
| Railroad Retirement Board | $1,773,022 |
| Department of Health and Human Services | $1,494,558 |
| Department of Housing and Urban Development | $1,126,832 |
| Department of Education | $711,824 |
| Federal Communications Commission | $491,712 |
| Environmental Protection Agency | $487,424 |
| General Services Administration | $16,528 |
That is $13,773 per covered job, against 8,290 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $114.2 m / 8,290 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,773
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 32013, NV: 8 findings, 8 noted
noteFIPS 32013, NV's average weekly wage was 9.7% 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
- +9.7 % = 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 32013, NV's covered employment was 7.3% 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
- +7.3 % = 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
noteFIPS 32013, NV's typical home value rose 0.5% from $350,859 in July 2026 to $352,585 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (352585.2665480827 - 350858.78348346706) / 350858.78348346706 × 100
- 352585.2665480827 = Zillow ZHVI, 2026-08
- 350858.78348346706 = Zillow ZHVI, 2026-07
noteFIPS 32013, NV's momentum index of 0.79 ranks 100th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteFIPS 32013, NV's covered employment of +7.3% ranks 105th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.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.