Larimer County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.66, -105.49.
Assembled 2026-10-19. Read the brief.
- 95th pct · 154th of 3,063 US counties · median $230,451
- 68th pct · 20th of 62 Colorado counties · median $448,803
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
- 18th pct · 2,489th of 3,062 US counties · median +2.9%
- 50th pct · 31st of 62 Colorado counties · median -0.4%
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
- 81st pct · 247th of 1,358 US counties · median $1,506
- 56th pct · 15th of 33 Colorado counties · median $1,931
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
- 93rd pct · 198th of 3,221 US counties · median 8,232
- 90th pct · 7th of 64 Colorado counties · median 4,853
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
- 95th pct · 157th of 3,221 US counties · median $1,039
- 90th pct · 7th of 64 Colorado counties · median $1,075
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
- 83rd pct · 495th of 3,063 US counties · median 4.2
- 49th pct · 32nd of 62 Colorado counties · median 6.4
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland 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 $545,602 (Sep 2026), -0.3% over one year, +9.8% over five
- 95th pct · 154th of 3,063 US counties · median $230,451
- 68th pct · 20th of 62 Colorado counties · median $448,803
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Larimer County, CO | $545,602 · -0.3% 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 $1,973/mo (Sep 2026), +1.6% over one year; price-to-rent 23.0
- 81st pct · 247th of 1,358 US counties · median $1,506
- 56th pct · 15th of 33 Colorado counties · median $1,931
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Larimer County, CO | $1,973/mo · +1.6% 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 $3,022 a month on $545,602 at 7.40%, against an average weekly wage worth $7,050 a month: 42.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $545,602 × 80% = $436,482, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,022/mo principal and interest
- wage share = payment / (avg weekly wage $1,627 × 52 / 12 = $7,050) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $545,602 / ($1,627 × 52) = 6.4
- price-to-rent = $545,602 / ($1,973 × 12) = 23.0
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 #
167,827 jobs at 16,011 employers (2026 Q1); -0.4% jobs and +11.6% average weekly wage over the year
- 93rd pct · 198th of 3,221 US counties · median 8,232
- 90th pct · 7th of 64 Colorado counties · median 4,853
- counties in the Fort Collins-Loveland metro: Rank context is unavailable: the manifest lists 1 counties in the Fort Collins-Loveland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Larimer County, CO | 167,827 jobs · $1,627/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 21,008 | $1,227 | 0.83 | +8.8% |
| Retail trade | 18,128 | $807 | 1.11 | -3.2% |
| Accommodation and food services | 17,911 | $564 | 1.19 | -0.8% |
| Manufacturing | 13,958 | $3,918 | 1.03 | -2.4% |
| Professional and technical services | 13,698 | $2,987 | 1.18 | +4.4% |
| Construction | 10,461 | $1,466 | 1.19 | -3.3% |
| Administrative and waste services | 6,999 | $1,104 | 0.73 | +1.0% |
| Wholesale trade | 5,781 | $2,737 | 0.90 | +0.3% |
| Other services | 5,332 | $995 | 1.06 | -3.7% |
| Finance and insurance | 3,580 | $2,487 | 0.52 | -0.3% |
| Transportation and warehousing | 3,568 | $1,048 | 0.50 | -2.2% |
| Arts, entertainment and recreation | 3,089 | $536 | 1.12 | -1.5% |
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| WOLFORD MTN RESERVOIR NR KREMMLING, CO | 18,910 Acre-ft (USGS, no capacity on file) | 99 km |
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 #
78 gauges · 0 flooding · 7 with quality panels averaging 98 % · 24 stale
Sites found: 78, 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 |
|---|---|---|
| North Fork Cache La Poudre River below Seaman Reservoir | no flooding | 22 km |
| Cache La Poudre River (CO) above Fort Collins | no flooding | 22 km |
| NORTH FORK CACHE LA POUDRE RIVER AT LIVERMORE, CO | flow 20.5 ft³/s | 24 km |
| North Fork Big Thompson River (CO) at Drake | no flooding | 27 km |
| N FK CACHE LA POUDRE R BLW HALLIGAN RES NR VA DALE | flow 12.6 ft³/s · no flooding | 28 km |
| N FK CACHE LA POUDRE R ABV HALLIGAN RES NR VA DALE | flow 8.46 ft³/s | 28 km |
| Big Thompson River (CO) below Lake Estes | no flooding | 31 km |
| Big Thompson River (CO) at Lake Estes | observation not current | 31 km |
| Dry Creek (CO) above Fort Collins | observation not current | 33 km |
| BIG THOMPSON RV AT JASPER LAKE RD NR DRAKE, CO | turb. 4.20 FNU · quality 100 % (4) · STALE | 33 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 #
17 wells in 0 named aquifers:
Sites found: 17, 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-410508105003801 | depth 82.8 ft · 2024-11-14 | 62 km |
| USGS-410507105003802 | depth 41.8 ft · 2024-11-14 | 62 km |
| USGS-411412105272001 | depth 49.2 ft · 2026-10-19 | 64 km |
| USGS-410530104574001 | depth 98.0 ft · 2012-08-06 | 65 km |
| USGS-410757104582302 | depth 121.9 ft · 2012-08-06 | 68 km |
| USGS-411703105314001 | depth 73.3 ft · 2011-09-29 | 70 km |
| USGS-411751105312701 | depth 117.7 ft · 2011-06-14 | 71 km |
| USGS-410324104481701 | depth 46.0 ft · 1988-09-13 | 72 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 + 0.2×0.02 / 0.55
Banks & federal dollars #
$10.4 bn in deposits at 93 offices of 28 banks (SOD June 2026); HHI 1,146, moderately concentrated. $2.5 bn federal obligations in FY2026 (direct payments $2.1 bn, contracts $255.7 m), $14,947 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank of Omaha | $2.3 bn · 21.7% share · 11 offices | |
| Wells Fargo Bank, National Association | $1.5 bn · 14.5% share · 7 offices | |
| JPMorgan Chase Bank, National Association | $1.3 bn · 12.5% share · 7 offices | |
| Larimer, CO | $2.5 bn FY2026 · $14,947/job | |
| MULTIPLE RECIPIENTS | $2.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank of Omaha | $2,252,558,000 | 21.7% | 11 |
| Wells Fargo Bank, National Association | $1,511,202,000 | 14.5% | 7 |
| JPMorgan Chase Bank, National Association | $1,294,574,000 | 12.5% | 7 |
| SouthState Bank, National Association | $990,098,000 | 9.5% | 9 |
| PNC Bank, National Association | $943,360,000 | 9.1% | 7 |
| Bank of Colorado | $841,494,000 | 8.1% | 9 |
| First Western Trust Bank | $548,321,000 | 5.3% | 1 |
| U.S. Bank National Association | $544,703,000 | 5.2% | 6 |
| KeyBank National Association | $198,226,000 | 1.9% | 4 |
| Adams Bank & Trust | $169,183,000 | 1.6% | 3 |
Deposit concentration is 1,146 across 28 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 28 banks with deposits in the county = 21.7² + 14.5² + 12.5² + … (25 more) = 1,146
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 | $1,759,589,084 |
| Department of Veterans Affairs | $199,035,672 |
| Department of Agriculture | $171,037,485 |
| Department of Health and Human Services | $66,698,401 |
| Department of Education | $45,314,391 |
| Department of Homeland Security | $41,491,062 |
| Department of Housing and Urban Development | $36,748,592 |
| Department of Transportation | $35,394,429 |
| Department of Commerce | $29,005,677 |
| Department of Defense | $27,771,041 |
| National Science Foundation | $24,328,673 |
| Department of the Interior | $21,557,661 |
That is $14,947 per covered job, against 167,827 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.5 bn / 167,827 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,947
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 #
Larimer County, CO: 16 findings, 5 at a watch level and 11 noted
watchLarimer County, CO's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLarimer County, CO's typical home value is -0.3% 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 = -0.3284745875329934 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLarimer County, CO's price-to-rent ratio of 23.0 scores 88 on the 0-to-100 scale across US counties but 47 across Colorado counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |88 across US counties - 47 across Colorado counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchLarimer County, CO's years of wages of 6.4 scores 84 on the 0-to-100 scale across US counties but 49 across Colorado counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |84 across US counties - 49 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
watchLarimer County, CO's typical home value of -0.3% scores 19 on the 0-to-100 scale across US counties but 51 across Colorado counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |19 across US counties - 51 across Colorado counties|
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.