Carson City, NV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.15, -119.75.
Assembled 2026-10-19. Read the brief.
- 93rd pct · 207th of 3,063 US counties · median $230,451
- 86th pct · 3rd of 16 Nevada counties · median $363,639
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
- 29th pct · 2,149th of 3,062 US counties · median +2.9%
- 46th pct · 9th of 16 Nevada counties · median +1.6%
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
- 86th pct · 189th of 1,358 US counties · median $1,506
- 71st pct · 3rd of 8 Nevada counties · median $1,900
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
- 78th pct · 697th of 3,221 US counties · median 8,232
- 87th pct · 3rd of 17 Nevada counties · median 9,161
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
- 88th pct · 382nd of 3,221 US counties · median $1,039
- 37th pct · 11th of 17 Nevada counties · median $1,424
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
- 88th pct · 361st of 3,063 US counties · median 4.2
- 80th pct · 4th of 16 Nevada counties · median 5.1
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City 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 $494,245 (Sep 2026), +1.0% over one year, +11.9% over five
- 93rd pct · 207th of 3,063 US counties · median $230,451
- 86th pct · 3rd of 16 Nevada counties · median $363,639
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Carson City, NV | $494,245 · +1.0% 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 $2,070/mo (Sep 2026), +5.6% over one year; price-to-rent 19.9
- 86th pct · 189th of 1,358 US counties · median $1,506
- 71st pct · 3rd of 8 Nevada counties · median $1,900
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Carson City, NV | $2,070/mo · +5.6% 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 $2,738 a month on $494,245 at 7.40%, against an average weekly wage worth $5,924 a month: 46.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $494,245 × 80% = $395,396, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,738/mo principal and interest
- wage share = payment / (avg weekly wage $1,367 × 52 / 12 = $5,924) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $494,245 / ($1,367 × 52) = 7.0
- price-to-rent = $494,245 / ($2,070 × 12) = 19.9
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 #
32,179 jobs at 2,199 employers (2026 Q1); -0.1% jobs and +0.7% average weekly wage over the year
- 78th pct · 697th of 3,221 US counties · median 8,232
- 87th pct · 3rd of 17 Nevada counties · median 9,161
- counties in the Carson City metro: Rank context is unavailable: the manifest lists 1 counties in the Carson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Carson City, NV | 32,179 jobs · $1,367/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,745 | $1,266 | 0.98 | -3.2% |
| Retail trade | 3,338 | $936 | 1.06 | +0.7% |
| Manufacturing | 2,826 | $1,431 | 1.09 | -0.2% |
| Accommodation and food services | 2,527 | $540 | 0.87 | +2.7% |
| Administrative and waste services | 1,774 | $1,205 | 0.97 | +9.0% |
| Professional and technical services | 920 | $1,728 | 0.41 | +2.2% |
| Arts, entertainment and recreation | 885 | $649 | 1.67 | +2.4% |
| Wholesale trade | 819 | $2,238 | 0.66 | -8.5% |
| Other services | 720 | $1,003 | 0.75 | -5.1% |
| Finance and insurance | 679 | $1,729 | 0.52 | -5.0% |
| Management of companies | 534 | $2,421 | 0.99 | +12.4% |
| Real estate and rental | 342 | $1,166 | 0.69 | +9.3% |
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 #
$1.5 bn in deposits at 12 offices of 9 banks (SOD June 2026); HHI 2,001, highly concentrated. $855.2 m federal obligations in FY2026 (grants $438.6 m, direct payments $389.5 m), $26,575 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $525.9 m · 34.2% share · 2 offices | |
| U.S. Bank National Association | $286.1 m · 18.6% share · 2 offices | |
| Zions Bancorporation, N.A. | $257.3 m · 16.7% share · 2 offices | |
| Carson (City), NV | $855.2 m FY2026 · $26,575/job | |
| MULTIPLE RECIPIENTS | $367.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $525,916,000 | 34.2% | 2 |
| U.S. Bank National Association | $286,093,000 | 18.6% | 2 |
| Zions Bancorporation, N.A. | $257,329,000 | 16.7% | 2 |
| Glacier Bank | $156,356,000 | 10.2% | 1 |
| JPMorgan Chase Bank, National Association | $86,087,000 | 5.6% | 1 |
| Western Alliance Bank | $84,226,000 | 5.5% | 1 |
| BMO Bank National Association | $66,996,000 | 4.4% | 1 |
| Plumas Bank | $66,262,000 | 4.3% | 1 |
| Bank of America, National Association | $7,416,000 | 0.5% | 1 |
Deposit concentration is 2,001 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 34.2² + 18.6² + 16.7² + … (6 more) = 2,001
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 |
|---|---|
| Department of Education | $367,306,370 |
| Social Security Administration | $319,072,534 |
| Department of Health and Human Services | $69,045,124 |
| Department of Veterans Affairs | $57,954,692 |
| Department of Housing and Urban Development | $17,602,474 |
| Department of Defense | $7,630,538 |
| Department of the Interior | $6,213,535 |
| Department of Justice | $5,884,822 |
| Department of Agriculture | $4,162,273 |
| Department of Energy | $2,707,958 |
| Institute of Museum and Library Services | $2,223,034 |
| Department of Transportation | $1,636,403 |
That is $26,575 per covered job, against 32,179 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $855.2 m / 32,179 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,575
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 #
Carson City, NV: 12 findings, 4 at a watch level and 8 noted
watchCarson City, NV's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCarson City, NV's average weekly wage of $1,367 scores 88 on the 0-to-100 scale across US counties but 38 across Nevada counties, a gap of 51 points.
Period 2026 Q1.Show the arithmetic
- 51 = |88 across US counties - 38 across Nevada counties|
position among the entities that published this metric this period; not an official level
watchCarson City, NV's price-to-rent ratio of 19.9 scores 73 on the 0-to-100 scale across US counties but 29 across Nevada counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |73 across US counties - 29 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
watchCarson City, NV's covered employment of -0.1% scores 52 on the 0-to-100 scale across US counties but 19 across Nevada counties, a gap of 34 points.
Period 2026 Q1.Show the arithmetic
- 34 = |52 across US counties - 19 across Nevada counties|
position among the entities that published this metric this period; not an official level
noteCarson City, NV's typical asking rent rose 1.0% from $2,051 in August 2026 to $2,070 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.0% = (2070.325863678805 - 2050.5511383456583) / 2050.5511383456583 × 100
- 2070.325863678805 = Zillow ZORI, 2026-09
- 2050.5511383456583 = Zillow ZORI, 2026-08
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.