FIPS 56039, WY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.93, -110.59.
Assembled 2026-10-02. Read the brief.
- 99th pct · 3rd of 3,063 US counties · median $234,566
- 53rd pct · 1,435th of 3,063 US counties · median +2.9%
- 99th pct · 4th of 1,399 US counties · median $1,496
- 73rd pct · 867th of 3,221 US counties · median 8,232
- 98th pct · 49th of 3,221 US counties · median $1,039
- 99th pct · 4th 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 $2.3 m (Aug 2026), +3.2% over one year, +43.3% over five
- 99th pct · 3rd of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Teton County | $2.3 m · +3.2% 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 $4,271/mo (Aug 2026), n/a over one year; price-to-rent 44.2
- 99th pct · 4th of 1,399 US counties · median $1,496
| Item | Value | Distance |
|---|---|---|
| Teton County | $4,271/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 $12,405 a month on $2,266,315 at 7.28%, against an average weekly wage worth $8,723 a month: 142.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $2.3 m × 80% = $1.8 m, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $12,405/mo principal and interest
- wage share = payment / (avg weekly wage $2,013 × 52 / 12 = $8,723) = 142% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $2.3 m / ($2,013 × 52) = 21.7
- price-to-rent = $2.3 m / ($4,271 × 12) = 44.2
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 #
22,174 jobs at 3,028 employers (2026 Q1); +0.1% jobs and +14.9% average weekly wage over the year
- 73rd pct · 867th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Teton County | 22,174 jobs · $2,013/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 7,139 | $969 | 3.58 | +0.6% |
| Construction | 2,592 | $1,518 | 2.23 | -4.4% |
| Retail trade | 2,087 | $1,050 | 0.97 | +5.4% |
| Professional and technical services | 1,215 | $7,707 | 0.79 | -1.9% |
| Administrative and waste services | 1,010 | $1,377 | 0.80 | +3.4% |
| Arts, entertainment and recreation | 867 | $1,071 | 2.38 | -1.4% |
| Real estate and rental | 865 | $1,617 | 2.54 | +4.6% |
| Health care and social assistance | 787 | $1,293 | 0.24 | -7.8% |
| Other services | 582 | $1,333 | 0.88 | +0.5% |
| Finance and insurance | 575 | $9,164 | 0.64 | +2.3% |
| Educational services | 515 | $942 | 1.08 | +1.6% |
| Transportation and warehousing | 438 | $1,454 | 0.47 | +0.0% |
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 #
$2.8 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 2,765, highly concentrated. $176.7 m federal obligations in FY2026 (direct payments $109.1 m, contracts $44.5 m), $7,970 per covered job
| Item | Value | Distance |
|---|---|---|
| NBH Bank | $1.2 bn · 43.1% share · 4 offices | |
| Wells Fargo Bank, National Association | $709.2 m · 25.5% share · 2 offices | |
| First Interstate Bank | $381.3 m · 13.7% share · 2 offices | |
| Teton, WY | $176.7 m FY2026 · $7,970/job | |
| MULTIPLE RECIPIENTS | $108.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| NBH Bank | $1,196,223,000 | 43.1% | 4 |
| Wells Fargo Bank, National Association | $709,208,000 | 25.5% | 2 |
| First Interstate Bank | $381,284,000 | 13.7% | 2 |
| First Western Trust Bank | $161,340,000 | 5.8% | 1 |
| JPMorgan Chase Bank, National Association | $118,773,000 | 4.3% | 1 |
| Zions Bancorporation, N.A. | $84,390,000 | 3.0% | 1 |
| U.S. Bank National Association | $74,976,000 | 2.7% | 1 |
| BMO Bank National Association | $44,962,000 | 1.6% | 1 |
| Tanager Bank | $6,920,000 | 0.2% | 1 |
| Bank Of Jackson Hole Trust | $124,000 | 0.0% | 1 |
Deposit concentration is 2,765 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 43.1² + 25.5² + 13.7² + … (7 more) = 2,765
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 | $104,404,668 |
| Department of Transportation | $46,235,804 |
| Department of the Interior | $15,398,304 |
| Department of Agriculture | $4,884,693 |
| Department of Veterans Affairs | $3,657,831 |
| Department of Health and Human Services | $1,205,253 |
| Department of Defense | $355,033 |
| Department of Energy | $215,000 |
| Railroad Retirement Board | $172,527 |
| Federal Communications Commission | $158,167 |
| General Services Administration | $37,164 |
| Small Business Administration | $0 |
That is $7,970 per covered job, against 22,174 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $176.7 m / 22,174 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,970
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 56039, WY: 15 findings, 5 at a watch level and 10 noted
watchFIPS 56039, WY's price-to-rent ratio is 44.2, 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 = 44.22077341164071 >= 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 56039, WY's years of wages is 21.7, 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 = 21.650756977211454 >= 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
watchFIPS 56039, WY's price-to-rent ratio of 44.2 ranks 1st 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 = 100 >= 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 56039, WY's years of wages of 21.7 ranks 4th 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 = 99.90202482037883 >= 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 56039, WY's typical asking rent is -2.3% 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 = -2.2874643063805093 <= -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.