Lyon County, NV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.02, -119.20.
Assembled 2026-10-19. Read the brief.
- 88th pct · 357th of 3,063 US counties · median $230,451
- 66th pct · 6th of 16 Nevada counties · median $363,639
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 60th pct · 1,202nd of 3,062 US counties · median +2.9%
- 86th pct · 3rd of 16 Nevada counties · median +1.6%
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 86th pct · 181st of 1,358 US counties · median $1,506
- 85th pct · 2nd of 8 Nevada counties · median $1,900
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 62nd pct · 1,195th of 3,221 US counties · median 8,232
- 62nd pct · 7th of 17 Nevada counties · median 9,161
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 69th pct · 972nd of 3,221 US counties · median $1,039
- 12th pct · 15th of 17 Nevada counties · median $1,424
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 88th pct · 338th of 3,063 US counties · median 4.2
- 86th pct · 3rd of 16 Nevada counties · median 5.1
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno 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 $420,661 (Sep 2026), +3.7% over one year, +9.4% over five
- 88th pct · 357th of 3,063 US counties · median $230,451
- 66th pct · 6th of 16 Nevada counties · median $363,639
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lyon County, NV | $420,661 · +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 #
Typical rent $2,095/mo (Sep 2026), +6.2% over one year; price-to-rent 16.7
- 86th pct · 181st of 1,358 US counties · median $1,506
- 85th pct · 2nd of 8 Nevada counties · median $1,900
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lyon County, NV | $2,095/mo · +6.2% 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 $2,330 a month on $420,661 at 7.40%, against an average weekly wage worth $4,970 a month: 46.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $420,661 × 80% = $336,529, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,330/mo principal and interest
- wage share = payment / (avg weekly wage $1,147 × 52 / 12 = $4,970) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $420,661 / ($1,147 × 52) = 7.1
- price-to-rent = $420,661 / ($2,095 × 12) = 16.7
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 #
13,917 jobs at 1,187 employers (2026 Q1); +2.8% jobs and +3.8% average weekly wage over the year
- 62nd pct · 1,195th of 3,221 US counties · median 8,232
- 62nd pct · 7th of 17 Nevada counties · median 9,161
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lyon County, NV | 13,917 jobs · $1,147/wk · +2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,851 | $1,521 | 1.65 | -3.0% |
| Retail trade | 1,744 | $690 | 1.29 | +1.6% |
| Construction | 1,348 | $1,353 | 1.85 | +25.3% |
| Transportation and warehousing | 1,152 | $1,104 | 1.96 | -6.9% |
| Accommodation and food services | 1,045 | $473 | 0.84 | +5.7% |
| Agriculture, forestry, fishing | 609 | $1,211 | 6.06 | -2.1% |
| Administrative and waste services | 537 | $878 | 0.68 | +0.0% |
| Arts, entertainment and recreation | 523 | $629 | 2.28 | -4.4% |
| Professional and technical services | 418 | $1,429 | 0.44 | -1.6% |
| Other services | 351 | $937 | 0.84 | +3.2% |
| Mining, oil and gas | 337 | $2,388 | 6.80 | +50.4% |
| Wholesale trade | 281 | $1,693 | 0.53 | -3.1% |
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 #
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 #
$435.9 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,660, highly concentrated. $518.9 m federal obligations in FY2026 (direct payments $455.5 m, grants $56.0 m), $37,284 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $235.6 m · 54.1% share · 2 offices | |
| Zions Bancorporation, N.A. | $87.6 m · 20.1% share · 1 office | |
| U.S. Bank National Association | $56.7 m · 13.0% share · 1 office | |
| Lyon, NV | $518.9 m FY2026 · $37,284/job | |
| MULTIPLE RECIPIENTS | $448.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $235,645,000 | 54.1% | 2 |
| Zions Bancorporation, N.A. | $87,635,000 | 20.1% | 1 |
| U.S. Bank National Association | $56,743,000 | 13.0% | 1 |
| WaFd Bank | $55,876,000 | 12.8% | 1 |
Deposit concentration is 3,660 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 54.1² + 20.1² + 13.0² + … (1 more) = 3,660
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 | $358,493,061 |
| Department of Veterans Affairs | $88,135,351 |
| Department of Transportation | $54,051,959 |
| Department of Defense | $7,036,026 |
| Department of the Interior | $4,570,122 |
| Department of Housing and Urban Development | $2,974,353 |
| Department of Agriculture | $2,800,448 |
| Railroad Retirement Board | $2,048,520 |
| Department of Health and Human Services | $477,391 |
| Environmental Protection Agency | $360,000 |
| Department of Justice | $137,329 |
| Federal Communications Commission | $82,552 |
That is $37,284 per covered job, against 13,917 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $518.9 m / 13,917 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,284
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 #
Lyon County, NV: 11 findings, 2 at a watch level and 9 noted
watchLyon County, NV's average weekly wage of $1,147 scores 70 on the 0-to-100 scale across US counties but 13 across Nevada counties, a gap of 57 points.
Period 2026 Q1.Show the arithmetic
- 57 = |70 across US counties - 13 across Nevada counties|
position among the entities that published this metric this period; not an official level
watchLyon County, NV's price-to-rent ratio of 16.7 scores 48 on the 0-to-100 scale across US counties but 0 across Nevada counties, a gap of 48 points.
Period 2026-09.Show the arithmetic
- 48 = |48 across US counties - 0 across Nevada 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
noteLyon County, NV's average weekly wage was 3.8% 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
- +3.8 % = 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
noteLyon County, NV's covered employment was 2.8% 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
- +2.8 % = 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
noteLyon County, NV's typical asking rent rose 1.6% from $2,061 in August 2026 to $2,095 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.6% = (2094.5421245421244 - 2060.732040879159) / 2060.732040879159 × 100
- 2094.5421245421244 = Zillow ZORI, 2026-09
- 2060.732040879159 = Zillow ZORI, 2026-08
Read all 11 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.