Cibola County, NM
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.93, -107.99.
Assembled 2026-10-06. Read the brief.
- 19th pct · 2,456th of 3,063 US counties · median $234,566
- 20th pct · 24th of 30 New Mexico counties · median $223,584
- 88th pct · 366th of 3,063 US counties · median +2.9%
- 93rd pct · 3rd of 30 New Mexico counties · median +1.3%
- US counties: not published this period
- New Mexico counties: not published this period
- 46th pct · 1,713th of 3,221 US counties · median 8,232
- 43rd pct · 19th of 33 New Mexico counties · median 8,227
- 31st pct · 2,190th of 3,221 US counties · median $1,039
- 46th pct · 18th of 33 New Mexico counties · median $968
- 25th pct · 2,291st of 3,063 US counties · median 4.3
- 31st pct · 21st of 30 New Mexico counties · median 4.2
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 $160,827 (Aug 2026), +7.4% over one year, +30.4% over five
- 19th pct · 2,456th of 3,063 US counties · median $234,566
- 20th pct · 24th of 30 New Mexico counties · median $223,584
| Item | Value | Distance |
|---|---|---|
| Cibola County, NM | $160,827 · +7.4% 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
- New Mexico 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 $880 a month on $160,827 at 7.28%, against an average weekly wage worth $4,160 a month: 21.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $160,827 × 80% = $128,661, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $880/mo principal and interest
- wage share = payment / (avg weekly wage $960 × 52 / 12 = $4,160) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $160,827 / ($960 × 52) = 3.2
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 #
7,265 jobs at 476 employers (2026 Q1); 0.0% jobs and +3.3% average weekly wage over the year
- 46th pct · 1,713th of 3,221 US counties · median 8,232
- 43rd pct · 19th of 33 New Mexico counties · median 8,227
| Item | Value | Distance |
|---|---|---|
| Cibola County, NM | 7,265 jobs · $960/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,566 | $922 | 1.43 | +3.7% |
| Retail trade | 849 | $626 | 1.20 | -4.1% |
| Accommodation and food services | 663 | $410 | 1.02 | +1.1% |
| Administrative and waste services | 288 | $1,591 | 0.70 | +10.3% |
| Construction | 163 | $976 | 0.43 | +0.0% |
| Wholesale trade | 99 | $1,029 | 0.36 | -3.9% |
| Finance and insurance | 92 | $760 | 0.31 | -4.2% |
| Educational services | 89 | $992 | 0.57 | +0.0% |
| Utilities | 85 | $1,730 | 2.96 | +2.4% |
| Other services | 66 | $747 | 0.30 | +0.0% |
| Transportation and warehousing | 30 | $1,079 | 0.10 | -31.8% |
| Real estate and rental | 30 | $1,286 | 0.27 | +50.0% |
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.
Drought #
D1 moderate drought
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 |
|---|---|---|
| BLUEWATER LAKE NEAR BLUEWATER, NM | 3,017 Acre-ft (USGS, no capacity on file) | 42 km |
| ZUNI SALT LAKE NR QUEMADO, NM | 140.6 Acre-ft (USGS, no capacity on file) | 89 km |
| LYMAN LAKE NEAR ST. JOHNS, AZ | 2,755 Acre-ft (USGS, no capacity on file) | 141 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 #
15 gauges · 0 flooding · 0 with quality panels · 12 stale
Sites found: 15, 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 |
|---|---|---|
| RIO SAN JOSE AT ACOMA PUEBLO, NM | flow 0.84 ft³/s | 27 km |
| RIO SAN JOSE AT GRANTS, NM | flow 0.00 ft³/s · STALE | 28 km |
| GRANTS CANYON AT GRANTS, NM | flow 0.00 ft³/s · STALE | 29 km |
| BLUEWATER CR AB BLUEWATER DAM BLUEWTR, NM | flow 4.00 ft³/s · STALE | 39 km |
| BLUEWATER C B BLUEWATER DAM, NM | flow 0.27 ft³/s · STALE | 43 km |
| COTTONWOOD CREEK NEAR THOREAU, NM | flow 0.00 ft³/s · STALE | 50 km |
| RIO PAGUATE BELOW JACKPILE MINE NEAR LAGUNA, NM | flow 0.58 ft³/s · STALE | 64 km |
| RIO NUTRIA NEAR RAMAH, NM | flow 0.08 ft³/s | 64 km |
| RIO NUTRIA ABV RES NO. 3 NR LOWER NURTIA, NM | flow 0.00 ft³/s · STALE | 66 km |
| SPILLWAY CHANNEL BLW RES NO 3 NR LOWER NUTRIA, NM | flow 0.00 ft³/s · STALE | 67 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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$274.8 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,162, highly concentrated. $220.5 m federal obligations in FY2026 (direct payments $156.6 m, grants $51.3 m), $30,345 per covered job
| Item | Value | Distance |
|---|---|---|
| TBK BANK, SSB | $162.1 m · 59.0% share · 1 office | |
| Wells Fargo Bank, National Association | $112.7 m · 41.0% share · 1 office | |
| Cibola, NM | $220.5 m FY2026 · $30,345/job | |
| MULTIPLE RECIPIENTS | $128.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TBK BANK, SSB | $162,106,000 | 59.0% | 1 |
| Wells Fargo Bank, National Association | $112,684,000 | 41.0% | 1 |
Deposit concentration is 5,162 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 59.0² + 41.0² = 5,162
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 | $111,269,601 |
| Department of the Interior | $27,465,504 |
| Department of Agriculture | $22,808,270 |
| Department of Transportation | $18,625,277 |
| Department of Veterans Affairs | $15,836,325 |
| Department of Homeland Security | $8,783,769 |
| Department of Housing and Urban Development | $4,626,481 |
| Department of Education | $3,251,953 |
| Department of Health and Human Services | $3,134,882 |
| Environmental Protection Agency | $1,810,700 |
| Department of Justice | $1,119,968 |
| Railroad Retirement Board | $946,395 |
That is $30,345 per covered job, against 7,265 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $220.5 m / 7,265 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,345
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 | -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 #
Cibola County, NM: 4 findings, 4 noted
noteCibola County, NM's average weekly wage was 3.3% 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
- +3.3 % = 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
noteCibola County, NM's typical home value rose 1.4% from $158,609 in July 2026 to $160,827 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.4% = (160826.84021547154 - 158609.12939942372) / 158609.12939942372 × 100
- 160826.84021547154 = Zillow ZHVI, 2026-08
- 158609.12939942372 = Zillow ZHVI, 2026-07
noteCibola County, NM's typical home value of +7.4% ranks 3rd of 30 New Mexico counties, against a median of +1.3%.
Period 2026-08.Show the arithmetic
- 93 on the 0-to-100 scale across 30 New Mexico counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Cibola County, NM 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.