FIPS 32033, NV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.44, -114.90.
Assembled 2026-10-02. Read the brief.
- 32nd pct · 2,082nd of 3,063 US counties · median $234,566
- 16th pct · 2,547th of 3,063 US counties · median +2.9%
- US counties: not published this period
- 33rd pct · 2,157th of 3,221 US counties · median 8,232
- 96th pct · 109th of 3,221 US counties · median $1,039
- 4th pct · 2,920th 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 $188,735 (Aug 2026), -0.6% over one year, +2.6% over five
- 32nd pct · 2,082nd of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| White Pine County | $188,735 · -0.6% 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 $1,033 a month on $188,735 at 7.28%, against an average weekly wage worth $7,601 a month: 13.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $188,735 × 80% = $150,988, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,033/mo principal and interest
- wage share = payment / (avg weekly wage $1,754 × 52 / 12 = $7,601) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $188,735 / ($1,754 × 52) = 2.1
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 #
4,224 jobs at 262 employers (2026 Q1); -2.4% jobs and +8.2% average weekly wage over the year
- 33rd pct · 2,157th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| White Pine County | 4,224 jobs · $1,754/wk · -2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 1,280 | $3,007 | 85.11 | -6.6% |
| Accommodation and food services | 462 | $494 | 1.22 | +8.5% |
| Retail trade | 355 | $630 | 0.86 | -12.6% |
| Agriculture, forestry, fishing | 112 | $796 | 3.67 | -6.7% |
| Transportation and warehousing | 84 | $883 | 0.47 | +12.0% |
| Finance and insurance | 49 | $1,004 | 0.28 | -10.9% |
| Arts, entertainment and recreation | 48 | $670 | 0.69 | +14.3% |
| Professional and technical services | 35 | $1,202 | 0.12 | -58.3% |
| Administrative and waste services | 33 | $570 | 0.14 | -5.7% |
| Real estate and rental | 22 | $800 | 0.34 | +10.0% |
| Management of companies | 14 | $2,280 | 0.20 | +27.3% |
| 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.
Water #
Banks & federal dollars #
$220.4 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,002, highly concentrated. $64.5 m federal obligations in FY2026 (direct payments $49.6 m, contracts $10.8 m), $15,269 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of Ely | $119.3 m · 54.1% share · 1 office | |
| Nevada Bank and Trust Company | $57.5 m · 26.1% share · 1 office | |
| WaFd Bank | $43.6 m · 19.8% share · 1 office | |
| White Pine, NV | $64.5 m FY2026 · $15,269/job | |
| MULTIPLE RECIPIENTS | $47.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of Ely | $119,300,000 | 54.1% | 1 |
| Nevada Bank and Trust Company | $57,533,000 | 26.1% | 1 |
| WaFd Bank | $43,573,000 | 19.8% | 1 |
Deposit concentration is 4,002 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 = 54.1² + 26.1² + 19.8² = 4,002
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 | $42,289,948 |
| Department of the Interior | $10,098,743 |
| Department of Veterans Affairs | $4,391,146 |
| Department of Agriculture | $3,171,357 |
| Department of Housing and Urban Development | $1,708,423 |
| Department of Health and Human Services | $1,618,212 |
| Department of Transportation | $432,281 |
| Railroad Retirement Board | $372,203 |
| Environmental Protection Agency | $310,326 |
| Federal Communications Commission | $103,880 |
| Department of Education | $4,000 |
| Department of Commerce | $0 |
That is $15,269 per covered job, against 4,224 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $64.5 m / 4,224 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,269
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 32033, NV: 9 findings, 2 at a watch level and 7 noted
watchFIPS 32033, NV's covered employment is -2.4% 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 = -2.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFIPS 32033, NV's typical home value is -0.6% 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 = -0.6419847570019754 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteFIPS 32033, NV's average weekly wage was 8.2% 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
- +8.2 % = 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
noteFIPS 32033, NV's covered employment was 2.4% 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
- -2.4 % = 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 32033, NV's typical home value fell 0.4% from $189,545 in July 2026 to $188,735 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.4% = (188734.89625984072 - 189545.27982252228) / 189545.27982252228 × 100
- 188734.89625984072 = Zillow ZHVI, 2026-08
- 189545.27982252228 = Zillow ZHVI, 2026-07
Read all 9 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.