Finney County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.05, -100.74.
Assembled 2026-10-19. Read the brief.
- 50th pct · 1,507th of 3,063 US counties · median $230,451
- 86th pct · 15th of 105 Kansas counties · median $148,146
- 10th pct · 2,745th of 3,062 US counties · median +2.9%
- 9th pct · 95th of 105 Kansas counties · median +4.1%
- US counties: not published this period
- Kansas counties: not published this period
- 72nd pct · 896th of 3,221 US counties · median 8,232
- 91st pct · 10th of 105 Kansas counties · median 2,554
- 51st pct · 1,553rd of 3,221 US counties · median $1,039
- 80th pct · 21st of 105 Kansas counties · median $943
- 51st pct · 1,486th of 3,063 US counties · median 4.2
- 83rd pct · 18th of 105 Kansas counties · median 3.0
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 $233,147 (Sep 2026), -1.9% over one year, +17.0% over five
- 50th pct · 1,507th of 3,063 US counties · median $230,451
- 86th pct · 15th of 105 Kansas counties · median $148,146
| Item | Value | Distance |
|---|---|---|
| Finney County, KS | $233,147 · -1.9% 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
- Kansas 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 $1,291 a month on $233,147 at 7.40%, against an average weekly wage worth $4,533 a month: 28.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $233,147 × 80% = $186,518, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,291/mo principal and interest
- wage share = payment / (avg weekly wage $1,046 × 52 / 12 = $4,533) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $233,147 / ($1,046 × 52) = 4.3
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 #
20,777 jobs at 1,136 employers (2026 Q1); 0.0% jobs and +7.5% average weekly wage over the year
- 72nd pct · 896th of 3,221 US counties · median 8,232
- 91st pct · 10th of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Finney County, KS | 20,777 jobs · $1,046/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,827 | $1,241 | 2.89 | -3.2% |
| Retail trade | 2,798 | $640 | 1.38 | +2.7% |
| Health care and social assistance | 2,209 | $1,078 | 0.71 | +0.0% |
| Accommodation and food services | 1,551 | $400 | 0.83 | -12.5% |
| Wholesale trade | 930 | $1,526 | 1.17 | +5.6% |
| Construction | 870 | $1,221 | 0.80 | -2.0% |
| Transportation and warehousing | 752 | $1,404 | 0.86 | +23.5% |
| Agriculture, forestry, fishing | 615 | $1,142 | 4.10 | -3.6% |
| Administrative and waste services | 532 | $793 | 0.45 | +9.7% |
| Finance and insurance | 513 | $1,601 | 0.61 | -0.4% |
| Other services | 397 | $948 | 0.64 | -0.8% |
| Arts, entertainment and recreation | 318 | $244 | 0.93 | +14.4% |
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 #
D0 abnormally dry
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 #
$1.1 bn in deposits at 14 offices of 9 banks (SOD June 2026); HHI 1,647, moderately concentrated. $177.8 m federal obligations in FY2026 (direct payments $167.7 m, grants $9.7 m), $8,559 per covered job
| Item | Value | Distance |
|---|---|---|
| Dream First Bank, National Association | $269.6 m · 23.4% share · 2 offices | |
| The Western State Bank | $222.1 m · 19.3% share · 3 offices | |
| Equity Bank | $179.0 m · 15.6% share · 2 offices | |
| Finney, KS | $177.8 m FY2026 · $8,559/job | |
| MULTIPLE RECIPIENTS | $128.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Dream First Bank, National Association | $269,550,000 | 23.4% | 2 |
| The Western State Bank | $222,114,000 | 19.3% | 3 |
| Equity Bank | $179,009,000 | 15.6% | 2 |
| KCB Bank | $149,322,000 | 13.0% | 1 |
| Security State Bank | $146,835,000 | 12.8% | 2 |
| Commerce Bank | $137,865,000 | 12.0% | 1 |
| Landmark National Bank | $20,518,000 | 1.8% | 1 |
| BMO Bank National Association | $14,048,000 | 1.2% | 1 |
| Grant County Bank | $10,240,000 | 0.9% | 1 |
Deposit concentration is 1,647 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 23.4² + 19.3² + 15.6² + … (6 more) = 1,647
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 | $120,266,291 |
| Department of Agriculture | $30,327,162 |
| Department of Transportation | $12,018,952 |
| Department of Veterans Affairs | $7,547,688 |
| Department of Education | $3,559,640 |
| Department of Health and Human Services | $2,556,721 |
| Department of Housing and Urban Development | $769,256 |
| Federal Communications Commission | $509,996 |
| Railroad Retirement Board | $277,168 |
| Department of Justice | $1,058 |
| Small Business Administration | $0 |
| Department of the Interior | $0 |
That is $8,559 per covered job, against 20,777 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $177.8 m / 20,777 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,559
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 #
Finney County, KS: 8 findings, 3 at a watch level and 5 noted
watchFinney County, KS' typical home value is -1.9% 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 = -1.9478158277611706 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchFinney County, KS' typical home value of $233,147 scores 51 on the 0-to-100 scale across US counties but 87 across Kansas counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |51 across US counties - 87 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchFinney County, KS' years of wages of 4.3 scores 52 on the 0-to-100 scale across US counties but 84 across Kansas counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |52 across US counties - 84 across Kansas 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
noteFinney County, KS' average weekly wage was 7.5% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +7.5 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteFinney County, KS' covered employment of 20,777 ranks 10th of 105 Kansas counties, against a median of 2,554.
Period 2026 Q1.Show the arithmetic
- 91 on the 0-to-100 scale across 105 Kansas counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 8 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.