Cochise County, AZ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.84, -109.78.
Assembled 2026-10-19. Read the brief.
- 60th pct · 1,224th of 3,063 US counties · median $230,451
- 7th pct · 14th of 15 Arizona counties · median $335,772
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
- 17th pct · 2,517th of 3,062 US counties · median +2.9%
- 35th pct · 10th of 15 Arizona counties · median -0.2%
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
- 28th pct · 974th of 1,358 US counties · median $1,506
- 8th pct · 12th of 13 Arizona counties · median $1,715
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
- 78th pct · 682nd of 3,221 US counties · median 8,232
- 50th pct · 8th of 15 Arizona counties · median 33,459
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
- 76th pct · 771st of 3,221 US counties · median $1,039
- 71st pct · 5th of 15 Arizona counties · median $1,176
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
- 49th pct · 1,562nd of 3,063 US counties · median 4.2
- 7th pct · 14th of 15 Arizona counties · median 5.4
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas 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 $260,551 (Sep 2026), -0.4% over one year, +13.9% over five
- 60th pct · 1,224th of 3,063 US counties · median $230,451
- 7th pct · 14th of 15 Arizona counties · median $335,772
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cochise County, AZ | $260,551 · -0.4% 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 #
Typical rent $1,278/mo (Sep 2026), +3.4% over one year; price-to-rent 17.0
- 28th pct · 974th of 1,358 US counties · median $1,506
- 8th pct · 12th of 13 Arizona counties · median $1,715
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cochise County, AZ | $1,278/mo · +3.4% 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 $1,443 a month on $260,551 at 7.40%, against an average weekly wage worth $5,200 a month: 27.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $260,551 × 80% = $208,441, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,443/mo principal and interest
- wage share = payment / (avg weekly wage $1,200 × 52 / 12 = $5,200) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $260,551 / ($1,200 × 52) = 4.2
- price-to-rent = $260,551 / ($1,278 × 12) = 17.0
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 #
33,459 jobs at 2,569 employers (2026 Q1); -5.8% jobs and +1.1% average weekly wage over the year
- 78th pct · 682nd of 3,221 US counties · median 8,232
- 50th pct · 8th of 15 Arizona counties · median 33,459
- counties in the Sierra Vista-Douglas metro: Rank context is unavailable: the manifest lists 1 counties in the Sierra Vista-Douglas metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cochise County, AZ | 33,459 jobs · $1,200/wk · -5.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 4,414 | $650 | 1.35 | -1.8% |
| Health care and social assistance | 4,134 | $1,048 | 0.82 | -4.5% |
| Accommodation and food services | 3,380 | $484 | 1.12 | +0.4% |
| Professional and technical services | 1,928 | $1,974 | 0.84 | -22.7% |
| Construction | 1,556 | $1,033 | 0.89 | -23.7% |
| Agriculture, forestry, fishing | 1,150 | $965 | 4.76 | +6.2% |
| Administrative and waste services | 953 | $894 | 0.50 | -6.9% |
| Transportation and warehousing | 931 | $959 | 0.66 | +8.0% |
| Information | 670 | $1,382 | 1.09 | -35.3% |
| Finance and insurance | 659 | $1,607 | 0.48 | +5.8% |
| Manufacturing | 604 | $1,240 | 0.22 | +0.2% |
| Other services | 572 | $693 | 0.57 | -9.2% |
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.
Drought #
No drought class at this point (USDM covers the United States only)
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
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 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.7 bn in deposits at 16 offices of 8 banks (SOD June 2026); HHI 1,704, moderately concentrated. $2.1 bn federal obligations in FY2026 (direct payments $1.1 bn, contracts $919.9 m), $62,752 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $493.2 m · 29.3% share · 3 offices | |
| JPMorgan Chase Bank, National Association | $291.4 m · 17.3% share · 1 office | |
| Zions Bancorporation, N.A. | $222.8 m · 13.2% share · 3 offices | |
| Cochise, AZ | $2.1 bn FY2026 · $62,752/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $493,231,000 | 29.3% | 3 |
| JPMorgan Chase Bank, National Association | $291,436,000 | 17.3% | 1 |
| Zions Bancorporation, N.A. | $222,756,000 | 13.2% | 3 |
| Bank of America, National Association | $202,052,000 | 12.0% | 1 |
| WaFd Bank | $199,288,000 | 11.8% | 3 |
| PNC Bank, National Association | $105,373,000 | 6.3% | 2 |
| Western Bank | $94,911,000 | 5.6% | 2 |
| Armed Forces Bank, National Association | $76,723,000 | 4.6% | 1 |
Deposit concentration is 1,704 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 29.3² + 17.3² + 13.2² + … (5 more) = 1,704
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 | $790,028,628 |
| Department of Defense | $489,294,472 |
| General Services Administration | $411,488,603 |
| Department of Veterans Affairs | $301,810,088 |
| Department of Transportation | $36,243,002 |
| Department of Agriculture | $25,136,827 |
| Department of Education | $21,361,518 |
| Department of Health and Human Services | $6,985,183 |
| Department of Housing and Urban Development | $5,783,575 |
| Railroad Retirement Board | $5,193,232 |
| Federal Communications Commission | $3,039,241 |
| Department of the Interior | $1,421,275 |
That is $62,752 per covered job, against 33,459 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.1 bn / 33,459 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $62,752
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Cochise County, AZ: 17 findings, 1 at an alert level, 4 at a watch level and 12 noted
alertCochise County, AZ's covered employment is -5.8% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -5.8 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchCochise County, AZ's covered employment is -5.8% 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 = -5.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCochise County, AZ's typical home value is -0.4% 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 2026-09.Show the arithmetic
- test: home.yoyPct = -0.4216792065597808 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCochise County, AZ's typical home value of $260,551 scores 60 on the 0-to-100 scale across US counties but 7 across Arizona counties, a gap of 53 points.
Period 2026-09.Show the arithmetic
- 53 = |60 across US counties - 7 across Arizona counties|
position among the entities that published this metric this period; not an official level
watchCochise County, AZ's years of wages of 4.2 scores 49 on the 0-to-100 scale across US counties but 7 across Arizona counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |49 across US counties - 7 across Arizona counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
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.