Stevens County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 48.39, -117.85.
Assembled 2026-10-06. Read the brief.
- 82nd pct · 547th of 3,063 US counties · median $234,566
- 34th pct · 26th of 39 Washington counties · median $433,836
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 31st pct · 2,110th of 3,063 US counties · median +2.9%
- 78th pct · 9th of 39 Washington counties · median +0.4%
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 71st pct · 400th of 1,399 US counties · median $1,496
- 50th pct · 15th of 29 Washington counties · median $1,767
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 57th pct · 1,367th of 3,221 US counties · median 8,232
- 34th pct · 26th of 39 Washington counties · median 18,771
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 57th pct · 1,377th of 3,221 US counties · median $1,039
- 18th pct · 32nd of 39 Washington counties · median $1,237
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
- 85th pct · 457th of 3,063 US counties · median 4.3
- 47th pct · 21st of 39 Washington counties · median 6.7
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley 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 #
Typical home $370,659 (Aug 2026), +1.2% over one year, +16.9% over five
- 82nd pct · 547th of 3,063 US counties · median $234,566
- 34th pct · 26th of 39 Washington counties · median $433,836
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stevens County, WA | $370,659 · +1.2% 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 #
Typical rent $1,767/mo (Aug 2026), n/a over one year; price-to-rent 17.5
- 71st pct · 400th of 1,399 US counties · median $1,496
- 50th pct · 15th of 29 Washington counties · median $1,767
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stevens County, WA | $1,767/mo · n/a 1-yr |
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 $2,029 a month on $370,659 at 7.28%, against an average weekly wage worth $4,650 a month: 43.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $370,659 × 80% = $296,527, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,029/mo principal and interest
- wage share = payment / (avg weekly wage $1,073 × 52 / 12 = $4,650) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $370,659 / ($1,073 × 52) = 6.6
- price-to-rent = $370,659 / ($1,767 × 12) = 17.5
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 #
11,283 jobs at 1,048 employers (2026 Q1); +1.6% jobs and +1.6% average weekly wage over the year
- 57th pct · 1,367th of 3,221 US counties · median 8,232
- 34th pct · 26th of 39 Washington counties · median 18,771
- counties in the Spokane-Spokane Valley metro: Rank context is unavailable: the manifest lists 2 counties in the Spokane-Spokane Valley metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stevens County, WA | 11,283 jobs · $1,073/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,934 | $1,185 | 1.14 | +1.0% |
| Retail trade | 1,245 | $677 | 1.13 | +0.1% |
| Manufacturing | 1,213 | $1,268 | 1.34 | +10.4% |
| Accommodation and food services | 614 | $488 | 0.61 | +4.2% |
| Construction | 455 | $888 | 0.77 | +1.6% |
| Arts, entertainment and recreation | 284 | $368 | 1.53 | -6.6% |
| Finance and insurance | 272 | $1,458 | 0.59 | +17.2% |
| Transportation and warehousing | 267 | $1,191 | 0.56 | +0.0% |
| Administrative and waste services | 256 | $978 | 0.40 | +3.6% |
| Other services | 234 | $824 | 0.69 | +8.3% |
| Information | 80 | $1,652 | 0.38 | +5.3% |
| Real estate and rental | 62 | $700 | 0.36 | -15.1% |
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 #
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 #
23 gauges · 0 flooding · 2 with quality panels averaging 100 % · 11 stale
Sites found: 23, 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 |
|---|---|---|
| COLVILLE RIVER AT KETTLE FALLS, WA | flow 62.2 ft³/s | 28 km |
| HALL CREEK ABOVE INCHELIUM, WA | stage 7.55 ft · quality 100 % (1) | 29 km |
| KETTLE RIVER NEAR BARSTOW, WA | flow 858.0 ft³/s · STALE | 48 km |
| PEND OREILLE RIVER BELOW BOX CANYON NEAR IONE, WA | flow 22,300 ft³/s | 54 km |
| BLUE CR AB MIDNITE MINE DRAINAGE NR WELLPINIT, WA | flow 0.11 ft³/s · STALE | 54 km |
| MIDNITE MINE DRAINAGE NEAR WELLPINIT, WA | flow 1.10 ft³/s · STALE | 55 km |
| CHAMOKANE CREEK BELOW FALLS NEAR LONG LAKE, WA | flow 24.9 ft³/s | 58 km |
| BLUE CREEK NEAR MOUTH NEAR WELLPINIT, WA | flow 1.20 ft³/s · STALE | 59 km |
| LITTLE SPOKANE RIVER AT ELK, WA | flow 47.6 ft³/s · STALE | 59 km |
| SULLIVAN CREEK AT METALINE FALLS, WA | flow 85.0 ft³/s · STALE | 64 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 #
low (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$352.5 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 3,350, highly concentrated. $463.4 m federal obligations in FY2026 (direct payments $407.9 m, grants $36.6 m), $41,068 per covered job
| Item | Value | Distance |
|---|---|---|
| WaFd Bank | $128.7 m · 36.5% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $115.0 m · 32.6% share · 1 office | |
| KeyBank National Association | $108.7 m · 30.8% share · 1 office | |
| Stevens, WA | $463.4 m FY2026 · $41,068/job | |
| MULTIPLE RECIPIENTS | $377.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| WaFd Bank | $128,749,000 | 36.5% | 2 |
| JPMorgan Chase Bank, National Association | $115,000,000 | 32.6% | 1 |
| KeyBank National Association | $108,715,000 | 30.8% | 1 |
Deposit concentration is 3,350 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 = 36.5² + 32.6² + 30.8² = 3,350
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 | $324,397,763 |
| Department of Veterans Affairs | $50,474,057 |
| Department of the Interior | $29,779,922 |
| Department of Transportation | $23,836,174 |
| Department of Agriculture | $15,583,503 |
| Department of Education | $5,017,159 |
| Department of Housing and Urban Development | $4,815,935 |
| Environmental Protection Agency | $3,579,637 |
| Department of Health and Human Services | $2,561,203 |
| Railroad Retirement Board | $2,392,544 |
| Federal Communications Commission | $394,289 |
| Department of Homeland Security | $183,978 |
That is $41,068 per covered job, against 11,283 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $463.4 m / 11,283 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,068
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Stevens County, WA: 13 findings, 6 at a watch level and 7 noted
watchStevens County, WA's typical asking rent rose 3.1% from $1,713 in July 2026 to $1,767 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +3.1% = (1766.6666666666667 - 1712.9519079506483) / 1712.9519079506483 × 100
- 1766.6666666666667 = Zillow ZORI, 2026-08
- 1712.9519079506483 = Zillow ZORI, 2026-07
watchStevens County, WA's price-to-rent ratio of 17.5 scores 53 on the 0-to-100 scale across US counties but 4 across Washington counties, a gap of 50 points.
Period 2026-08.Show the arithmetic
- 50 = |53 across US counties - 4 across Washington counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchStevens County, WA's typical home value of $370,659 scores 82 on the 0-to-100 scale across US counties but 34 across Washington counties, a gap of 48 points.
Period 2026-08.Show the arithmetic
- 48 = |82 across US counties - 34 across Washington counties|
position among the entities that published this metric this period; not an official level
watchStevens County, WA's typical home value of +1.2% scores 31 on the 0-to-100 scale across US counties but 79 across Washington counties, a gap of 48 points.
Period 2026-08.Show the arithmetic
- 48 = |31 across US counties - 79 across Washington counties|
position among the entities that published this metric this period; not an official level
watchStevens County, WA's average weekly wage of $1,073 scores 57 on the 0-to-100 scale across US counties but 18 across Washington counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |57 across US counties - 18 across Washington counties|
position among the entities that published this metric this period; 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.