Rich County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.63, -111.24.
Assembled 2026-10-06. Read the brief.
- 96th pct · 116th of 3,063 US counties · median $234,566
- 88th pct · 4th of 28 Utah counties · median $450,730
- 55th pct · 1,371st of 3,063 US counties · median +2.9%
- 62nd pct · 11th of 28 Utah counties · median +2.9%
- US counties: not published this period
- Utah counties: not published this period
- 5th pct · 3,056th of 3,221 US counties · median 8,232
- 7th pct · 27th of 29 Utah counties · median 8,951
- 18th pct · 2,634th of 3,221 US counties · median $1,039
- 10th pct · 26th of 29 Utah counties · median $1,042
- 99th pct · 31st of 3,063 US counties · median 4.3
- 88th pct · 4th 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 $593,180 (Aug 2026), +3.4% over one year, +38.7% over five
- 96th pct · 116th of 3,063 US counties · median $234,566
- 88th pct · 4th of 28 Utah counties · median $450,730
| Item | Value | Distance |
|---|---|---|
| Rich County, UT | $593,180 · +3.4% 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
- 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 $3,247 a month on $593,180 at 7.28%, against an average weekly wage worth $3,878 a month: 83.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $593,180 × 80% = $474,544, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,247/mo principal and interest
- wage share = payment / (avg weekly wage $895 × 52 / 12 = $3,878) = 84% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $593,180 / ($895 × 52) = 12.7
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 #
812 jobs at 165 employers (2026 Q1); -2.1% jobs and -5.7% average weekly wage over the year
- 5th pct · 3,056th of 3,221 US counties · median 8,232
- 7th pct · 27th of 29 Utah counties · median 8,951
| Item | Value | Distance |
|---|---|---|
| Rich County, UT | 812 jobs · $895/wk · -2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 104 | $992 | 2.44 | +28.4% |
| Retail trade | 86 | $632 | 1.09 | -15.7% |
| Administrative and waste services | 62 | $766 | 1.34 | +1.6% |
| Other services | 45 | $943 | 1.85 | -6.2% |
| Transportation and warehousing | 18 | $743 | 0.53 | +0.0% |
| Utilities | 14 | $3,116 | 4.37 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Manufacturing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | 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.
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| BEAR LAKE AT STATE PARK MARINA NR GARDEN CITY, UT | 5,912 ft (USGS, no capacity on file) | 40 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 #
57 gauges · 0 flooding · 11 with quality panels averaging 95 % · 24 stale
Sites found: 57, 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 |
|---|---|---|
| BEAR RIVER NEAR CORINNE, UT | flow 482.0 ft³/s · quality 50 % (2) · observation not current | 72 km |
| BIG CREEK NEAR RANDOLPH, UT | flow 3.17 ft³/s | 2 km |
| BEAR RIVER BELOW RESERVOIR, NEAR WOODRUFF, UT | flow 18.4 ft³/s · no flooding | 23 km |
| BLACKSMITH F B MILL C N HYRUM UT | flow 35.0 ft³/s · STALE | 27 km |
| BEAR RIVER ABOVE RESERVOIR, NEAR WOODRUFF, UT | flow 6.04 ft³/s | 28 km |
| USGS-415411111201601 | turb. 2.00 FNU · quality 100 % (5) · STALE | 32 km |
| USGS-415642111172701 | turb. 1.20 FNU · quality 100 % (5) · STALE | 36 km |
| USGS-415812111203901 | turb. 0.80 FNU · quality 100 % (5) · STALE | 39 km |
| Bear River below Pixley Dam | no flooding | 40 km |
| USGS-415941111175401 | turb. 0.80 FNU · quality 100 % (5) · STALE | 41 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 #
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.
| Site | Reading | Distance |
|---|---|---|
| USGS-413805111492201 | depth 63.6 ft · 2025-12-30 | 48 km |
| USGS-411544111461001 | depth 32.5 ft · 2026-10-06 | 60 km |
| USGS-420011111485501 | depth 20.9 ft · 1990-03-12 | 63 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 #
low (0.18)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.05 / 0.55
Banks & federal dollars #
$64.8 m in deposits at 2 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $16.6 m federal obligations in FY2026 (direct payments $14.3 m, grants $2.3 m), $20,493 per covered job
| Item | Value | Distance |
|---|---|---|
| Zions Bancorporation, N.A. | $64.8 m · 100.0% share · 2 offices | |
| Rich, UT | $16.6 m FY2026 · $20,493/job | |
| MULTIPLE RECIPIENTS | $13.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Zions Bancorporation, N.A. | $64,839,000 | 100.0% | 2 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $12,494,732 |
| Department of Transportation | $2,241,802 |
| Department of Veterans Affairs | $998,815 |
| Department of Agriculture | $774,108 |
| Railroad Retirement Board | $66,034 |
| Department of Education | $63,010 |
| Department of the Interior | $1,380 |
| Federal Communications Commission | $117 |
That is $20,493 per covered job, against 812 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $16.6 m / 812 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,493
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 #
Rich County, UT: 13 findings, 5 at a watch level and 8 noted
watchRich County, UT's years of wages of 12.7 ranks 31st 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 = 99.02024820378837 >= 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
watchRich County, UT's average weekly wage is -5.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -5.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchRich County, UT's years of wages is 12.7, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, 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 = 12.745603684589147 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchRich County, UT's covered employment is -2.1% 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 = -2.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchRich County, UT's momentum index is -0.41, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, 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: momentum = -0.4061712653493361 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
Read all 12 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.