Hot Springs County, WY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.72, -108.44.
Assembled 2026-10-06. Read the brief.
- 55th pct · 1,371st of 3,063 US counties · median $234,566
- 9th pct · 21st of 23 Wyoming counties · median $331,063
- 43rd pct · 1,723rd of 3,063 US counties · median +2.9%
- 72nd pct · 7th of 23 Wyoming counties · median +1.9%
- US counties: not published this period
- Wyoming counties: not published this period
- 14th pct · 2,759th of 3,221 US counties · median 8,232
- 4th pct · 22nd of 23 Wyoming counties · median 6,490
- 22nd pct · 2,480th of 3,221 US counties · median $1,039
- 4th pct · 22nd of 23 Wyoming counties · median $1,131
- 67th pct · 993rd of 3,063 US counties · median 4.3
- 40th pct · 14th of 23 Wyoming counties · median 5.5
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 $248,958 (Aug 2026), +2.4% over one year, +41.0% over five
- 55th pct · 1,371st of 3,063 US counties · median $234,566
- 9th pct · 21st of 23 Wyoming counties · median $331,063
| Item | Value | Distance |
|---|---|---|
| Hot Springs County, WY | $248,958 · +2.4% 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
- Wyoming 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 $1,363 a month on $248,958 at 7.28%, against an average weekly wage worth $3,987 a month: 34.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $248,958 × 80% = $199,166, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,363/mo principal and interest
- wage share = payment / (avg weekly wage $920 × 52 / 12 = $3,987) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $248,958 / ($920 × 52) = 5.2
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 #
1,794 jobs at 257 employers (2026 Q1); -2.7% jobs and +2.4% average weekly wage over the year
- 14th pct · 2,759th of 3,221 US counties · median 8,232
- 4th pct · 22nd of 23 Wyoming counties · median 6,490
| Item | Value | Distance |
|---|---|---|
| Hot Springs County, WY | 1,794 jobs · $920/wk · -2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 221 | $278 | 1.37 | -2.6% |
| Mining, oil and gas | 146 | $1,476 | 22.86 | -13.1% |
| Retail trade | 138 | $613 | 0.79 | +11.3% |
| Transportation and warehousing | 59 | $1,399 | 0.78 | -19.2% |
| Arts, entertainment and recreation | 36 | $446 | 1.22 | -18.2% |
| Agriculture, forestry, fishing | 27 | $714 | 2.08 | -18.2% |
| Information | 15 | $788 | 0.45 | +0.0% |
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Finance and insurance | 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 #
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 #
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 #
29 gauges · 0 flooding · 5 with quality panels averaging 100 % · 16 stale
Sites found: 29, 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 |
|---|---|---|
| Owl Creek at Arapahoe Ranch | no flooding | 8 km |
| Owl Creek above McManus Ditch | observation not current | 12 km |
| COTTONWOOD C AT HIGH ISLAND RNCH NR HAMILTON DOME | flow 1.28 ft³/s · STALE | 20 km |
| Cottonwood Creek at High Island Ranch near Hamilton Dome | no flooding | 27 km |
| SOUTH FORK OWL CREEK BELOW ANCHOR RESERVOIR, WY | flow 24.0 ft³/s · STALE | 29 km |
| NORTH FORK OWL CR AB BASIN RANCH NR ANCHOR, WY | flow 6.50 ft³/s · STALE | 33 km |
| SOUTH FORK OWL CREEK NEAR ANCHOR, WY | flow 17.0 ft³/s · no flooding · STALE | 34 km |
| WIND RIVER BELOW BOYSEN RESERVOIR, WY | flow 1,080 ft³/s · no flooding · STALE | 39 km |
| Kirby Creek below Blue Springs Draw | observation not current | 39 km |
| Reservoirs at Boysen Reservoir | observation not current | 40 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 #
4 wells in 0 named aquifers:
Sites found: 4, 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-434136108183301 | depth 257.2 ft · 2005-10-11 | 11 km |
| USGS-433933108121901 | depth 128.6 ft · 2009-09-29 | 20 km |
| 2N-01E-13cdc01 Streambank well at station 06227600 | depth 12.0 ft · 2017-11-13 | 68 km |
| USGS-442130108425301 | depth 174.9 ft · 1986-07-12 | 74 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 #
moderate (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$192.3 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 3,287, highly concentrated. $52.5 m federal obligations in FY2026 (direct payments $39.7 m, grants $12.7 m), $29,279 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank - Wyoming | $88.3 m · 45.9% share · 1 office | |
| Big Horn Federal Savings Bank | $56.9 m · 29.6% share · 1 office | |
| Central Bank and Trust | $26.2 m · 13.6% share · 1 office | |
| Hot Springs, WY | $52.5 m FY2026 · $29,279/job | |
| MULTIPLE RECIPIENTS | $38.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank - Wyoming | $88,296,000 | 45.9% | 1 |
| Big Horn Federal Savings Bank | $56,924,000 | 29.6% | 1 |
| Central Bank and Trust | $26,189,000 | 13.6% | 1 |
| Bank of Bridger, National Association | $20,928,000 | 10.9% | 1 |
Deposit concentration is 3,287 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 = 45.9² + 29.6² + 13.6² + … (1 more) = 3,287
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 | $34,588,212 |
| Department of Transportation | $12,733,840 |
| Department of Veterans Affairs | $3,528,350 |
| Department of Agriculture | $1,108,825 |
| Railroad Retirement Board | $306,181 |
| Department of Housing and Urban Development | $206,406 |
| Federal Communications Commission | $54,472 |
| Department of the Interior | $0 |
That is $29,279 per covered job, against 1,794 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $52.5 m / 1,794 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,279
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 | -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 #
Hot Springs County, WY: 9 findings, 2 at a watch level and 7 noted
watchHot Springs County, WY's covered employment is -2.7% 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 = -2.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHot Springs County, WY's typical home value of $248,958 scores 55 on the 0-to-100 scale across US counties but 9 across Wyoming counties, a gap of 46 points.
Period 2026-08.Show the arithmetic
- 46 = |55 across US counties - 9 across Wyoming counties|
position among the entities that published this metric this period; not an official level
noteHot Springs County, WY's covered employment was 2.7% 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
- -2.7 % = 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
noteHot Springs County, WY's average weekly wage was 2.4% 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
- +2.4 % = 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
noteHot Springs County, WY's typical home value rose 0.8% from $246,994 in July 2026 to $248,958 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (248958.1140063626 - 246993.75035928472) / 246993.75035928472 × 100
- 248958.1140063626 = Zillow ZHVI, 2026-08
- 246993.75035928472 = Zillow ZHVI, 2026-07
Read all 9 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.