Juab County, UT

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.71, -112.79.

Assembled 2026-10-06. Read the brief.

Typical home value
$453,780
as of August 2026
  • 90th pct · 282nd of 3,063 US counties · median $234,566
  • 51st pct · 14th of 28 Utah counties · median $450,730
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
Home value, one year
+3.7%
as of August 2026
  • 57th pct · 1,291st of 3,063 US counties · median +2.9%
  • 70th pct · 9th of 28 Utah counties · median +2.9%
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
Typical rent
not published
  • US counties: not published this period
  • Utah counties: not published this period
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
Jobs
4,751
as of 2026 Q1-01
  • 35th pct · 2,065th of 3,221 US counties · median 8,232
  • 35th pct · 19th of 29 Utah counties · median 8,951
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
Average weekly wage
$950
as of 2026 Q1-01
  • 29th pct · 2,275th of 3,221 US counties · median $1,039
  • 28th pct · 21st of 29 Utah counties · median $1,042
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
Years of wages per home
9.2
  • 96th pct · 119th of 3,063 US counties · median 4.3
  • 70th pct · 9th of 28 Utah counties · median 8.3
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.

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 #

currentas of 2026 Q1retrieved 2026-10-06

Typical home $453,780 (Aug 2026), +3.7% over one year, +16.9% over five

  • 90th pct · 282nd of 3,063 US counties · median $234,566
  • 51st pct · 14th of 28 Utah counties · median $450,730
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
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.
ItemValueDistance
Juab County, UT$453,780 · +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 #

currentas of 2026 Q1retrieved 2026-10-06

Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)

  • US counties: not published this period
  • Utah counties: not published this period
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.

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 #

currentretrieved 2026-10-06

Principal and interest of $2,484 a month on $453,780 at 7.28%, against an average weekly wage worth $4,117 a month: 60.3% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $453,780 × 80% = $363,024, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,484/mo principal and interest
  • wage share = payment / (avg weekly wage $950 × 52 / 12 = $4,117) = 60% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $453,780 / ($950 × 52) = 9.2

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 #

currentas of 2026 Q1retrieved 2026-10-06

4,751 jobs at 417 employers (2026 Q1); +3.5% jobs and +3.9% average weekly wage over the year

  • 35th pct · 2,065th of 3,221 US counties · median 8,232
  • 35th pct · 19th of 29 Utah counties · median 8,951
  • counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
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.
ItemValueDistance
Juab County, UT4,751 jobs · $950/wk · +3.5% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Manufacturing828$1,3342.17+2.6%
Accommodation and food services487$3601.14+23.3%
Construction453$9701.82+10.5%
Retail trade339$5060.73-8.9%
Administrative and waste services164$9970.61+0.0%
Agriculture, forestry, fishing136$1,2593.96-39.6%
Wholesale trade115$1,3280.63+38.6%
Mining, oil and gas72$1,9274.26-10.0%
Other services69$1,0350.49-4.2%
Finance and insurance40$1,4050.21-2.4%
Real estate and rental32$1,1080.44+39.1%
Arts, entertainment and recreation19$7460.24-20.8%

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 #

currentretrieved 2026-10-06

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 #

currentretrieved 2026-10-06

No reservoir gauges within 150 km (or the camera is above the gauge altitude)

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 #

currentretrieved 2026-10-06

8 gauges · 0 flooding · 0 with quality panels · 4 stale

Sites found: 8, 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.
SiteReadingDistance
SEVIER RIVER NEAR LYNNDYL, UTflow 17.4 ft³/s43 km
VERNON CREEK NEAR VERNON, UTflow 1.35 ft³/s46 km
FAUST CREEK BELOW TOOELE CITY WELL NEAR VERNON, UTflow 5.00 ft³/s · STALE56 km
FAUST CREEK NEAR VERNON, UTflow 0.00 ft³/s58 km
OAK CREEK ABOVE LITTLE CREEK, NEAR OAK CITY, UTflow 0.45 ft³/s · STALE62 km
USGS-390540112370001flow 60.0 ft³/s · STALE70 km
CLOVER CREEK ABOVE BIG HOLLOW, NEAR CLOVER, UTflow 1.80 ft³/s · STALE73 km
SEVIER RIVER NEAR JUAB, UTflow 0.61 ft³/s75 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 #

currentretrieved 2026-10-06

3 wells in 0 named aquifers:

Sites found: 3, 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.
SiteReadingDistance
USGS-393020112362201depth 25.4 ft · 2026-08-3028 km
USGS-393046112231301depth 108.9 ft · 2001-03-2541 km
USGS-401312112442301depth 75.8 ft · 2026-10-0556 km

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 #

currentretrieved 2026-10-06

high (0.75)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35

Banks & federal dollars #

currentretrieved 2026-10-06

$185.2 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 5,015, highly concentrated. $67.3 m federal obligations in FY2026 (direct payments $51.8 m, grants $14.5 m), $14,169 per covered job

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.
ItemValueDistance
Wells Fargo Bank, National Association$106.8 m · 57.7% share · 1 office
Cache Valley Bank$76.0 m · 41.0% share · 1 office
Central Bank$2.3 m · 1.3% share · 1 office
Juab, UT$67.3 m FY2026 · $14,169/job
MULTIPLE RECIPIENTS$50.2 m · top recipient FY2026
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Wells Fargo Bank, National Association$106,844,00057.7%1
Cache Valley Bank$75,982,00041.0%1
Central Bank$2,337,0001.3%1

Deposit concentration is 5,015 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 = 57.7² + 41.0² + 1.3² = 5,015

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 #

currentretrieved 2026-10-06

USAspending place-of-performance obligations for FY2026, by awarding agency.

USAspending, FY2026, place of performance in this county.
Awarding agencyObligations
Social Security Administration$44,266,142
Department of Transportation$14,317,035
Department of Veterans Affairs$5,505,576
Department of Agriculture$1,545,048
Department of the Interior$1,060,890
Railroad Retirement Board$470,411
Environmental Protection Agency$100,000
Department of Education$35,651
Federal Communications Commission$16,296
Small Business Administration$0
Department of Justice$0

That is $14,169 per covered job, against 4,751 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $67.3 m / 4,751 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,169

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 #

currentretrieved 2026-10-06

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft12.692026-10-05+3.3%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %72.602026-10-06+0.0%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.202026-09-01+2.4%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-06

Juab County, UT: 8 findings, 2 at a watch level and 6 noted

  1. watchJuab County, UT's years of wages of 9.2 ranks 119th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 96.14630960156761 >= 90
    • typical home value / (average weekly wage × 52); one average covered job, not a household

    position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level

  2. watchJuab County, UT's typical home value of $453,780 scores 91 on the 0-to-100 scale across US counties but 52 across Utah counties, a gap of 39 points.

    Period 2026-08.
    Show the arithmetic
    • 39 = |91 across US counties - 52 across Utah counties|

    position among the entities that published this metric this period; not an official level

  3. noteJuab County, UT's average weekly wage was 3.9% 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
    • +3.9 % = 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

  4. noteJuab County, UT's covered employment was 3.5% 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
    • +3.5 % = 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

  5. noteJuab County, UT's momentum index of 0.67 ranks 229th of 3,221 US counties, against a median of 0.23.

    Period 2026-08.
    Show the arithmetic
    • 93 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

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.

Sources #

  • publishedOccupational Employment and Wage StatisticsU.S. Bureau of Labor Statisticsopen the source
    MSA 39340, all occupations · period May 2025 · retrieved 2026-10-06
  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-06
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-06
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-06
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-06
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 49023, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-06
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · payment = P·r / (1 − (1+r)^−n), P = $453,780 × 80% = $363,024, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,484/mo principal and interest; wage share = payment / (avg weekly wage $950 × 52 / 12 = $4,117) = 60% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $453,780 / ($950 × 52) = 9.2
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 49023, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-06
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · 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%); terms home value 1-yr change +3.7% / ±10% × 0.3, jobs over-the-year change +3.5% / ±3% × 0.3, avg weekly wage over-the-year change +3.9% / ±6% × 0.25
  • publishedU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    USDM_current · retrieved 2026-10-06
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00060,00065 · period 2026-10-06T08:00:00.000Z · retrieved 2026-10-06
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019 · period 2026-10-05T00:00:00.000Z · retrieved 2026-10-06
  • estimateU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    · retrieved 2026-10-06 · supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35 = 0.75; terms drought (D3 / 4)
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054 · period 2026-10-06T08:05:00+00:00 · retrieved 2026-10-06
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-06T07:30:00Z · retrieved 2026-10-06
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019,62610,62611 · period 2026-10-05 · retrieved 2026-10-06
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:49023:2026 · period 2026-06-30 · retrieved 2026-10-06
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:49023:2026 · period 2026-06-30 · retrieved 2026-10-06 · HHI = Σ (share %)² over 3 banks with deposits in the county = 57.7² + 41.0² + 1.3² = 5,015
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-06
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-06 · per job = FY2026 obligations $67.3 m / 4,751 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,169
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_category:49023:FY2026 · period FY2026 · retrieved 2026-10-06
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · 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%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-06 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-06 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics. series MSA 39340, all occupations. period May 2025. https://www.bls.gov/oes/tables.htm. accessed 2026-10-06.
  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-06.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-06.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 49023, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/49023.csv. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $453,780 × 80% = $363,024, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,484/mo principal and interest; wage share = payment / (avg weekly wage $950 × 52 / 12 = $4,117) = 60% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $453,780 / ($950 × 52) = 9.2.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 49023, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/49023.csv. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: 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%); terms home value 1-yr change +3.7% / ±10% × 0.3, jobs over-the-year change +3.5% / ±3% × 0.3, avg weekly wage over-the-year change +3.9% / ±6% × 0.25.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. series USDM_current. https://droughtmonitor.unl.edu/CurrentMap.aspx. accessed 2026-10-06.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00060,00065. period 2026-10-06T08:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-06.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019. period 2026-10-05T00:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-06.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. https://droughtmonitor.unl.edu/. accessed 2026-10-06. estimate computed by Embedding Atlas: supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35 = 0.75; terms drought (D3 / 4).
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054. period 2026-10-06T08:05:00+00:00. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-06.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-06T07:30:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-06.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019,62610,62611. period 2026-10-05. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-06.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:49023:2026. period 2026-06-30. https://api.fdic.gov/banks/sod?filters=STCNTYBR%3A49023+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE%2CMSABR%2CMSANAMB&format=json&limit=10000. accessed 2026-10-06.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:49023:2026. period 2026-06-30. https://api.fdic.gov/banks/docs/. accessed 2026-10-06. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 3 banks with deposits in the county = 57.7² + 41.0² + 1.3² = 5,015.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-06.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-06. estimate computed by Embedding Atlas: per job = FY2026 obligations $67.3 m / 4,751 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,169.
  • U.S. Department of the Treasury. USAspending API. series spending_by_category:49023:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_category/. accessed 2026-10-06.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: 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%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-06. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-06. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • The occupation mix is the 39340 metro area's, from the bundled BLS OEWS release: OEWS does not publish a county table.
  • Water rows are everything within 75 km of this place's internal point (150 km for reservoirs), not everything inside its boundary: lib/water searches discs, and every row prints its own distance.
  • Server report: satellite turbidity is only computed in a browser, so that term is absent here.
  • Stress uses 1 of 4 terms (drought); missing terms are left out, not assumed.
  • Groundwater has no trend term: one latest level cannot say whether an aquifer is being drawn down.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 6 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-06T08:14:17.958Z. Place identity tables pulled 2026-10-01.