FIPS 56029, WY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.52, -109.58.
Assembled 2026-10-02. Read the brief.
- 90th pct · 281st of 3,063 US counties · median $234,566
- 7th pct · 2,842nd of 3,063 US counties · median +2.9%
- 39th pct · 844th of 1,399 US counties · median $1,496
- 60th pct · 1,257th of 3,221 US counties · median 8,232
- 52nd pct · 1,519th of 3,221 US counties · median $1,039
- 93rd pct · 192nd of 3,063 US counties · median 4.3
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 $453,829 (Aug 2026), -3.1% over one year, +31.2% over five
- 90th pct · 281st of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Park County | $453,829 · -3.1% 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 $1,380/mo (Aug 2026), n/a over one year; price-to-rent 27.4
- 39th pct · 844th of 1,399 US counties · median $1,496
| Item | Value | Distance |
|---|---|---|
| Park County | $1,380/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 $2,484 a month on $453,829 at 7.28%, against an average weekly wage worth $4,554 a month: 54.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $453,829 × 80% = $363,064, 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 $1,051 × 52 / 12 = $4,554) = 55% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $453,829 / ($1,051 × 52) = 8.3
- price-to-rent = $453,829 / ($1,380 × 12) = 27.4
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 #
12,816 jobs at 1,931 employers (2026 Q1); +1.0% jobs and +2.4% average weekly wage over the year
- 60th pct · 1,257th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Park County | 12,816 jobs · $1,051/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,618 | $658 | 1.30 | +1.6% |
| Accommodation and food services | 1,581 | $508 | 1.37 | +4.4% |
| Health care and social assistance | 1,551 | $1,093 | 0.80 | -0.9% |
| Construction | 929 | $1,102 | 1.38 | +6.4% |
| Professional and technical services | 525 | $1,428 | 0.59 | +3.8% |
| Manufacturing | 469 | $966 | 0.45 | +6.8% |
| Finance and insurance | 348 | $1,894 | 0.67 | +0.3% |
| Agriculture, forestry, fishing | 314 | $1,000 | 3.39 | +1.6% |
| Mining, oil and gas | 306 | $1,898 | 6.71 | -5.8% |
| Administrative and waste services | 301 | $928 | 0.41 | -10.4% |
| Wholesale trade | 273 | $1,742 | 0.56 | -3.2% |
| Arts, entertainment and recreation | 259 | $666 | 1.23 | +3.2% |
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.
Water #
Banks & federal dollars #
$1.1 bn in deposits at 11 offices of 7 banks (SOD June 2026); HHI 2,592, highly concentrated. $539.8 m federal obligations in FY2026 (contracts $278.6 m, direct payments $243.4 m), $42,121 per covered job
| Item | Value | Distance |
|---|---|---|
| Glacier Bank | $383.6 m · 34.4% share · 3 offices | |
| Pinnacle Bank - Wyoming | $382.0 m · 34.3% share · 2 offices | |
| Big Horn Federal Savings Bank | $111.7 m · 10.0% share · 2 offices | |
| Park, WY | $539.8 m FY2026 · $42,121/job | |
| MULTIPLE RECIPIENTS | $234.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Glacier Bank | $383,567,000 | 34.4% | 3 |
| Pinnacle Bank - Wyoming | $381,978,000 | 34.3% | 2 |
| Big Horn Federal Savings Bank | $111,697,000 | 10.0% | 2 |
| Wells Fargo Bank, National Association | $98,463,000 | 8.8% | 1 |
| U.S. Bank National Association | $58,605,000 | 5.3% | 1 |
| Bank of Bridger, National Association | $55,106,000 | 4.9% | 1 |
| BMO Bank National Association | $25,677,000 | 2.3% | 1 |
Deposit concentration is 2,592 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 34.4² + 34.3² + 10.0² + … (4 more) = 2,592
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 |
|---|---|
| Department of the Interior | $279,534,256 |
| Social Security Administration | $206,474,689 |
| Department of Veterans Affairs | $26,525,897 |
| Department of Transportation | $18,453,698 |
| Department of Agriculture | $3,404,498 |
| Department of Education | $1,652,316 |
| Department of Health and Human Services | $1,283,778 |
| Railroad Retirement Board | $1,190,388 |
| Department of Housing and Urban Development | $783,711 |
| Department of Energy | $220,421 |
| Federal Communications Commission | $185,688 |
| Department of Defense | $115,697 |
That is $42,121 per covered job, against 12,816 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $539.8 m / 12,816 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $42,121
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +0.1% |
| 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 · % | 4.10 | 2026-08-01 | +0.0% |
| 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 #
FIPS 56029, WY: 14 findings, 5 at a watch level and 9 noted
watchFIPS 56029, WY's price-to-rent ratio of 27.4 ranks 38th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 97.35336194563662 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchFIPS 56029, WY's years of wages of 8.3 ranks 192nd 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 = 93.76224689745266 >= 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
watchFIPS 56029, WY's typical home value is -3.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -3.1158884070848143 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchFIPS 56029, WY's price-to-rent ratio is 27.4, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 27.402949705230117 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchFIPS 56029, WY's typical asking rent is -1.6% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.5916405534963356 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; 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.