Kit Carson County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.31, -102.60.
Assembled 2026-10-19. Read the brief.
- 50th pct · 1,503rd of 3,063 US counties · median $230,451
- 14th pct · 53rd of 62 Colorado counties · median $448,803
- 54th pct · 1,409th of 3,062 US counties · median +2.9%
- 85th pct · 10th of 62 Colorado counties · median -0.4%
- US counties: not published this period
- Colorado counties: not published this period
- 24th pct · 2,439th of 3,221 US counties · median 8,232
- 34th pct · 42nd of 64 Colorado counties · median 4,853
- 46th pct · 1,707th of 3,221 US counties · median $1,039
- 38th pct · 40th of 64 Colorado counties · median $1,075
- 53rd pct · 1,425th of 3,063 US counties · median 4.2
- 16th pct · 52nd of 62 Colorado counties · median 6.4
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 $233,624 (Sep 2026), +3.2% over one year, +27.4% over five
- 50th pct · 1,503rd of 3,063 US counties · median $230,451
- 14th pct · 53rd of 62 Colorado counties · median $448,803
| Item | Value | Distance |
|---|---|---|
| Kit Carson County, CO | $233,624 · +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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Colorado 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 $1,294 a month on $233,624 at 7.40%, against an average weekly wage worth $4,442 a month: 29.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $233,624 × 80% = $186,899, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,294/mo principal and interest
- wage share = payment / (avg weekly wage $1,025 × 52 / 12 = $4,442) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $233,624 / ($1,025 × 52) = 4.4
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 #
2,990 jobs at 329 employers (2026 Q1); -0.7% jobs and +5.8% average weekly wage over the year
- 24th pct · 2,439th of 3,221 US counties · median 8,232
- 34th pct · 42nd of 64 Colorado counties · median 4,853
| Item | Value | Distance |
|---|---|---|
| Kit Carson County, CO | 2,990 jobs · $1,025/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 403 | $680 | 1.38 | +10.4% |
| Wholesale trade | 346 | $2,036 | 3.02 | -1.1% |
| Finance and insurance | 111 | $1,226 | 0.91 | +12.1% |
| Manufacturing | 84 | $1,149 | 0.35 | -17.6% |
| Construction | 83 | $895 | 0.53 | +9.2% |
| Professional and technical services | 68 | $1,579 | 0.33 | -5.6% |
| Transportation and warehousing | 54 | $1,432 | 0.43 | +0.0% |
| Utilities | 46 | $2,440 | 3.90 | -6.1% |
| Other services | 45 | $648 | 0.50 | -2.2% |
| Administrative and waste services | 23 | $728 | 0.14 | +0.0% |
| Information | 22 | $612 | 0.40 | +4.8% |
| Real estate and rental | 8 | $753 | 0.17 | -11.1% |
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 #
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 #
$481.0 m in deposits at 8 offices of 8 banks (SOD June 2026); HHI 1,723, moderately concentrated. $57.5 m federal obligations in FY2026 (direct payments $54.9 m, grants $2.7 m), $19,236 per covered job
| Item | Value | Distance |
|---|---|---|
| The Eastern Colorado Bank | $127.2 m · 26.4% share · 1 office | |
| High Plains Bank | $96.1 m · 20.0% share · 1 office | |
| Frontier Bank | $85.7 m · 17.8% share · 1 office | |
| Kit Carson, CO | $57.5 m FY2026 · $19,236/job | |
| MULTIPLE RECIPIENTS | $33.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Eastern Colorado Bank | $127,164,000 | 26.4% | 1 |
| High Plains Bank | $96,101,000 | 20.0% | 1 |
| Frontier Bank | $85,655,000 | 17.8% | 1 |
| Farmers & Merchants Bank of Colby | $54,008,000 | 11.2% | 1 |
| TBK BANK, SSB | $46,325,000 | 9.6% | 1 |
| MNB BANK | $39,122,000 | 8.1% | 1 |
| BMO Bank National Association | $17,095,000 | 3.6% | 1 |
| Equitable Savings and Loan Association | $15,572,000 | 3.2% | 1 |
Deposit concentration is 1,723 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 = 26.4² + 20.0² + 17.8² + … (5 more) = 1,723
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 | $31,171,079 |
| Department of Agriculture | $19,053,026 |
| Department of Veterans Affairs | $2,402,610 |
| Department of Transportation | $2,388,710 |
| Department of Housing and Urban Development | $2,319,316 |
| Department of Education | $95,710 |
| Railroad Retirement Board | $45,415 |
| Federal Communications Commission | $40,307 |
That is $19,236 per covered job, against 2,990 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $57.5 m / 2,990 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,236
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 #
Kit Carson County, CO: 9 findings, 5 at a watch level and 4 noted
watchKit Carson County, CO's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchKit Carson County, CO's years of wages of 4.4 scores 53 on the 0-to-100 scale across US counties but 16 across Colorado counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |53 across US counties - 16 across Colorado 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
watchKit Carson County, CO's typical home value of $233,624 scores 51 on the 0-to-100 scale across US counties but 15 across Colorado counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |51 across US counties - 15 across Colorado counties|
position among the entities that published this metric this period; not an official level
watchKit Carson County, CO's typical home value of +3.2% scores 54 on the 0-to-100 scale across US counties but 85 across Colorado counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |54 across US counties - 85 across Colorado counties|
position among the entities that published this metric this period; not an official level
watchKit Carson County, CO's covered employment of -0.7% scores 41 on the 0-to-100 scale across US counties but 71 across Colorado counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |41 across US counties - 71 across Colorado counties|
position among the entities that published this metric this period; not an official level
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.