Millard County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.96, -113.13.
Assembled 2026-10-06. Read the brief.
- 78th pct · 670th of 3,063 US counties · median $234,566
- 18th pct · 23rd of 28 Utah counties · median $450,730
- 46th pct · 1,625th of 3,063 US counties · median +2.9%
- 37th pct · 18th of 28 Utah counties · median +2.9%
- US counties: not published this period
- Utah counties: not published this period
- 38th pct · 1,970th of 3,221 US counties · median 8,232
- 39th pct · 18th of 29 Utah counties · median 8,951
- 65th pct · 1,111th of 3,221 US counties · median $1,039
- 60th pct · 12th of 29 Utah counties · median $1,042
- 77th pct · 680th of 3,063 US counties · median 4.3
- 11th pct · 25th of 28 Utah counties · median 8.3
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 $342,589 (Aug 2026), +2.7% over one year, +26.2% over five
- 78th pct · 670th of 3,063 US counties · median $234,566
- 18th pct · 23rd of 28 Utah counties · median $450,730
| Item | Value | Distance |
|---|---|---|
| Millard County, UT | $342,589 · +2.7% 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 #
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
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 $1,875 a month on $342,589 at 7.28%, against an average weekly wage worth $4,840 a month: 38.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $342,589 × 80% = $274,071, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,875/mo principal and interest
- wage share = payment / (avg weekly wage $1,117 × 52 / 12 = $4,840) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $342,589 / ($1,117 × 52) = 5.9
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 #
5,326 jobs at 470 employers (2026 Q1); -0.4% jobs and +5.3% average weekly wage over the year
- 38th pct · 1,970th of 3,221 US counties · median 8,232
- 39th pct · 18th of 29 Utah counties · median 8,951
| Item | Value | Distance |
|---|---|---|
| Millard County, UT | 5,326 jobs · $1,117/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 689 | $564 | 1.33 | -3.4% |
| Administrative and waste services | 562 | $911 | 1.86 | +0.0% |
| Accommodation and food services | 331 | $310 | 0.69 | +18.2% |
| Construction | 264 | $1,135 | 0.95 | -0.8% |
| Manufacturing | 255 | $1,430 | 0.60 | +13.8% |
| Utilities | 206 | $6,156 | 9.79 | -34.0% |
| Transportation and warehousing | 162 | $1,389 | 0.72 | -5.3% |
| Professional and technical services | 130 | $1,933 | 0.35 | +0.0% |
| Wholesale trade | 103 | $906 | 0.50 | +1.0% |
| Other services | 88 | $1,042 | 0.55 | +7.3% |
| Finance and insurance | 61 | $1,105 | 0.28 | -4.7% |
| Information | 19 | $476 | 0.19 | +11.8% |
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 #
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 #
$271.4 m in deposits at 4 offices of 2 banks (SOD June 2026); HHI 5,237, highly concentrated. $101.5 m federal obligations in FY2026 (direct payments $70.5 m, grants $29.0 m), $19,048 per covered job
| Item | Value | Distance |
|---|---|---|
| Zions Bancorporation, N.A. | $165.2 m · 60.9% share · 2 offices | |
| State Bank of Southern Utah | $106.1 m · 39.1% share · 2 offices | |
| Millard, UT | $101.5 m FY2026 · $19,048/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Zions Bancorporation, N.A. | $165,238,000 | 60.9% | 2 |
| State Bank of Southern Utah | $106,149,000 | 39.1% | 2 |
Deposit concentration is 5,237 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 = 60.9² + 39.1² = 5,237
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.
That is $19,048 per covered job, against 5,326 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $101.5 m / 5,326 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,048
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 #
Millard County, UT: 6 findings, 3 at a watch level and 3 noted
watchMillard County, UT's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMillard County, UT's years of wages of 5.9 scores 78 on the 0-to-100 scale across US counties but 11 across Utah counties, a gap of 67 points.
Period 2026-08.Show the arithmetic
- 67 = |78 across US counties - 11 across Utah counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchMillard County, UT's typical home value of $342,589 scores 78 on the 0-to-100 scale across US counties but 19 across Utah counties, a gap of 60 points.
Period 2026-08.Show the arithmetic
- 60 = |78 across US counties - 19 across Utah counties|
position among the entities that published this metric this period; not an official level
noteMillard County, UT's average weekly wage was 5.3% 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
- +5.3 % = 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
noteMillard County, UT's covered employment was 0.4% 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
- -0.4 % = 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
Read all 6 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.