Sumner County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.24, -97.49.
Assembled 2026-10-19. Read the brief.
- 16th pct · 2,567th of 3,063 US counties · median $230,451
- 48th pct · 55th of 105 Kansas counties · median $148,146
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
- 60th pct · 1,212th of 3,062 US counties · median +2.9%
- 46th pct · 57th of 105 Kansas counties · median +4.1%
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Kansas counties: not published this period
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
- 43rd pct · 1,822nd of 3,221 US counties · median 8,232
- 73rd pct · 29th of 105 Kansas counties · median 2,554
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
- 16th pct · 2,682nd of 3,221 US counties · median $1,039
- 28th pct · 75th of 105 Kansas counties · median $943
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
- 26th pct · 2,251st of 3,063 US counties · median 4.2
- 55th pct · 47th of 105 Kansas counties · median 3.0
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita 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 $147,657 (Sep 2026), +3.7% over one year, +27.7% over five
- 16th pct · 2,567th of 3,063 US counties · median $230,451
- 48th pct · 55th of 105 Kansas counties · median $148,146
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sumner County, KS | $147,657 · +3.7% 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
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
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 $818 a month on $147,657 at 7.40%, against an average weekly wage worth $3,839 a month: 21.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $147,657 × 80% = $118,126, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $818/mo principal and interest
- wage share = payment / (avg weekly wage $886 × 52 / 12 = $3,839) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $147,657 / ($886 × 52) = 3.2
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 #
6,306 jobs at 605 employers (2026 Q1); -2.6% jobs and +3.0% average weekly wage over the year
- 43rd pct · 1,822nd of 3,221 US counties · median 8,232
- 73rd pct · 29th of 105 Kansas counties · median 2,554
- counties in the Wichita metro: Rank context is unavailable: the manifest lists 4 counties in the Wichita metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sumner County, KS | 6,306 jobs · $886/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 635 | $820 | 0.67 | -4.1% |
| Retail trade | 587 | $538 | 0.96 | -1.7% |
| Manufacturing | 426 | $1,148 | 0.84 | -1.2% |
| Transportation and warehousing | 301 | $1,304 | 1.13 | +2.0% |
| Finance and insurance | 239 | $1,426 | 0.93 | -10.5% |
| Professional and technical services | 205 | $1,553 | 0.47 | +13.3% |
| Other services | 158 | $781 | 0.84 | -5.4% |
| Construction | 156 | $1,190 | 0.47 | -25.7% |
| Agriculture, forestry, fishing | 96 | $886 | 2.11 | +5.5% |
| Information | 91 | $1,277 | 0.78 | -1.1% |
| Administrative and waste services | 72 | $1,631 | 0.20 | -6.5% |
| Mining, oil and gas | 29 | $1,602 | 1.29 | +11.5% |
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 #
D1 moderate 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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$687.8 m in deposits at 14 offices of 10 banks (SOD June 2026); HHI 1,358, moderately concentrated. $184.3 m federal obligations in FY2026 (direct payments $170.4 m, grants $10.5 m), $29,232 per covered job
| Item | Value | Distance |
|---|---|---|
| Impact Bank | $153.0 m · 22.2% share · 2 offices | |
| Carson Bank | $126.7 m · 18.4% share · 1 office | |
| The Valley State Bank | $89.8 m · 13.1% share · 1 office | |
| Sumner, KS | $184.3 m FY2026 · $29,232/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Impact Bank | $152,981,000 | 22.2% | 2 |
| Carson Bank | $126,726,000 | 18.4% | 1 |
| The Valley State Bank | $89,764,000 | 13.1% | 1 |
| Bank of Commerce and Trust Company | $62,968,000 | 9.2% | 2 |
| The Stock Exchange Bank, Caldwell, Kansas | $60,707,000 | 8.8% | 1 |
| The First Security Bank | $59,222,000 | 8.6% | 2 |
| The Security State Bank | $47,680,000 | 6.9% | 1 |
| Vintage Bank Kansas | $44,814,000 | 6.5% | 1 |
| RCB Bank | $34,654,000 | 5.0% | 2 |
| Bank of Commerce | $8,277,000 | 1.2% | 1 |
Deposit concentration is 1,358 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 22.2² + 18.4² + 13.1² + … (7 more) = 1,358
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 #
That is $29,232 per covered job, against 6,306 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $184.3 m / 6,306 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,232
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 #
Sumner County, KS: 6 findings, 2 at a watch level and 4 noted
watchSumner County, KS' covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSumner County, KS' typical home value of $147,657 scores 16 on the 0-to-100 scale across US counties but 48 across Kansas counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |16 across US counties - 48 across Kansas counties|
position among the entities that published this metric this period; not an official level
noteSumner County, KS' average weekly wage was 3.0% 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
- +3 % = 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
noteSumner County, KS' covered employment was 2.6% lower 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
- -2.6 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Sumner County, KS is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.