Rio Arriba County, NM
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.51, -106.69.
Assembled 2026-10-06. Read the brief.
- 76th pct · 710th of 3,063 US counties · median $234,566
- 82nd pct · 6th of 30 New Mexico counties · median $223,584
- 42nd pct · 1,771st of 3,063 US counties · median +2.9%
- 58th pct · 13th of 30 New Mexico counties · median +1.3%
- US counties: not published this period
- New Mexico counties: not published this period
- 53rd pct · 1,487th of 3,221 US counties · median 8,232
- 53rd pct · 16th of 33 New Mexico counties · median 8,227
- 34th pct · 2,119th of 3,221 US counties · median $1,039
- 50th pct · 17th of 33 New Mexico counties · median $968
- 85th pct · 448th of 3,063 US counties · median 4.3
- 89th pct · 4th 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 $335,846 (Aug 2026), +2.3% over one year, +13.0% over five
- 76th pct · 710th of 3,063 US counties · median $234,566
- 82nd pct · 6th of 30 New Mexico counties · median $223,584
| Item | Value | Distance |
|---|---|---|
| Rio Arriba County, NM | $335,846 · +2.3% 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 $1,838 a month on $335,846 at 7.28%, against an average weekly wage worth $4,195 a month: 43.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $335,846 × 80% = $268,677, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,838/mo principal and interest
- wage share = payment / (avg weekly wage $968 × 52 / 12 = $4,195) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $335,846 / ($968 × 52) = 6.7
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 #
9,542 jobs at 841 employers (2026 Q1); +1.8% jobs and +2.5% average weekly wage over the year
- 53rd pct · 1,487th of 3,221 US counties · median 8,232
- 53rd pct · 16th of 33 New Mexico counties · median 8,227
| Item | Value | Distance |
|---|---|---|
| Rio Arriba County, NM | 9,542 jobs · $968/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,344 | $1,247 | 0.94 | +2.4% |
| Retail trade | 1,099 | $669 | 1.18 | +0.5% |
| Accommodation and food services | 920 | $478 | 1.07 | +4.2% |
| Other services | 360 | $1,083 | 1.26 | +4.0% |
| Administrative and waste services | 300 | $1,510 | 0.55 | +4.5% |
| Construction | 254 | $1,044 | 0.51 | +9.5% |
| Transportation and warehousing | 149 | $1,040 | 0.37 | +9.6% |
| Professional and technical services | 124 | $1,746 | 0.19 | -4.6% |
| Utilities | 106 | $1,613 | 2.81 | +2.9% |
| Manufacturing | 104 | $690 | 0.14 | -1.0% |
| Arts, entertainment and recreation | 91 | $804 | 0.58 | -9.0% |
| Information | 88 | $739 | 0.50 | +8.6% |
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 #
D3 extreme 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 #
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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$624.1 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 3,414, highly concentrated. $322.7 m federal obligations in FY2026 (direct payments $252.4 m, grants $44.6 m), $33,820 per covered job
| Item | Value | Distance |
|---|---|---|
| Century Bank | $318.4 m · 51.0% share · 1 office | |
| UMB Bank, National Association | $116.6 m · 18.7% share · 2 offices | |
| WaFd Bank | $103.3 m · 16.6% share · 2 offices | |
| Rio Arriba, NM | $322.7 m FY2026 · $33,820/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Century Bank | $318,377,000 | 51.0% | 1 |
| UMB Bank, National Association | $116,649,000 | 18.7% | 2 |
| WaFd Bank | $103,305,000 | 16.6% | 2 |
| Wells Fargo Bank, National Association | $85,809,000 | 13.7% | 2 |
Deposit concentration is 3,414 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 51.0² + 18.7² + 16.6² + … (1 more) = 3,414
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 | $206,582,303 |
| Department of Transportation | $29,322,766 |
| Department of Veterans Affairs | $22,506,449 |
| Department of the Interior | $20,420,624 |
| Department of Health and Human Services | $17,156,296 |
| Department of Education | $10,031,715 |
| Department of Housing and Urban Development | $4,621,361 |
| Federal Communications Commission | $3,825,821 |
| Department of Agriculture | $3,378,612 |
| Department of Homeland Security | $3,203,840 |
| Department of Justice | $702,367 |
| Railroad Retirement Board | $450,600 |
That is $33,820 per covered job, against 9,542 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $322.7 m / 9,542 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,820
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 #
Rio Arriba County, NM: 4 findings, 4 noted
noteRio Arriba County, NM's average weekly wage was 2.5% 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
- +2.5 % = 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
noteRio Arriba County, NM's covered employment was 1.8% 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
- +1.8 % = 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
noteRio Arriba County, NM's typical home value fell 0.4% from $337,136 in July 2026 to $335,846 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.4% = (335845.95970612735 - 337135.9763107573) / 337135.9763107573 × 100
- 335845.95970612735 = Zillow ZHVI, 2026-08
- 337135.9763107573 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Rio Arriba 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.