Summit County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.87, -110.97.
Assembled 2026-10-19. Read the brief.
- 99th pct · 10th of 3,063 US counties · median $230,451
- 100th pct · 1st of 28 Utah counties · median $445,634
- 79th pct · 641st of 3,062 US counties · median +2.9%
- 96th pct · 2nd of 28 Utah counties · median +2.5%
- 98th pct · 16th of 1,358 US counties · median $1,506
- 100th pct · 1st of 15 Utah counties · median $1,741
- 79th pct · 656th of 3,221 US counties · median 8,232
- 78th pct · 7th of 29 Utah counties · median 8,951
- 88th pct · 380th of 3,221 US counties · median $1,039
- 92nd pct · 3rd of 29 Utah counties · median $1,042
- 99th pct · 7th of 3,063 US counties · median 4.2
- 100th pct · 1st of 28 Utah counties · median 8.1
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 $1.3 m (Sep 2026), +5.6% over one year, +26.7% over five
- 99th pct · 10th of 3,063 US counties · median $230,451
- 100th pct · 1st of 28 Utah counties · median $445,634
| Item | Value | Distance |
|---|---|---|
| Summit County, UT | $1.3 m · +5.6% 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 $3,339/mo (Sep 2026), +13.0% over one year; price-to-rent 33.3
- 98th pct · 16th of 1,358 US counties · median $1,506
- 100th pct · 1st of 15 Utah counties · median $1,741
| Item | Value | Distance |
|---|---|---|
| Summit County, UT | $3,339/mo · +13.0% 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 $7,393 a month on $1,334,757 at 7.40%, against an average weekly wage worth $5,928 a month: 124.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $1.3 m × 80% = $1.1 m, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $7,393/mo principal and interest
- wage share = payment / (avg weekly wage $1,368 × 52 / 12 = $5,928) = 125% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $1.3 m / ($1,368 × 52) = 18.8
- price-to-rent = $1.3 m / ($3,339 × 12) = 33.3
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 #
35,235 jobs at 3,568 employers (2026 Q1); -0.2% jobs and +5.5% average weekly wage over the year
- 79th pct · 656th of 3,221 US counties · median 8,232
- 78th pct · 7th of 29 Utah counties · median 8,951
| Item | Value | Distance |
|---|---|---|
| Summit County, UT | 35,235 jobs · $1,368/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 8,524 | $958 | 2.69 | -2.6% |
| Arts, entertainment and recreation | 5,845 | $991 | 10.08 | +3.0% |
| Retail trade | 3,609 | $846 | 1.05 | -7.5% |
| Construction | 2,705 | $1,397 | 1.46 | -6.1% |
| Health care and social assistance | 2,634 | $1,281 | 0.50 | +21.2% |
| Professional and technical services | 1,579 | $2,537 | 0.65 | +1.9% |
| Real estate and rental | 1,562 | $1,516 | 2.89 | -0.8% |
| Administrative and waste services | 1,085 | $1,295 | 0.54 | -9.7% |
| Manufacturing | 1,014 | $2,064 | 0.36 | -1.0% |
| Other services | 978 | $1,171 | 0.93 | +7.5% |
| Finance and insurance | 552 | $6,532 | 0.38 | +0.2% |
| Educational services | 519 | $796 | 0.68 | -1.9% |
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 #
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 |
|---|---|---|
| BEAR LAKE AT STATE PARK MARINA NR GARDEN CITY, UT | 5,912 ft (USGS, no capacity on file) | 127 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 #
77 gauges · 0 flooding · 7 with quality panels averaging 92 % · 34 stale
Sites found: 77, 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 |
|---|---|---|
| SILVER CREEK NEAR SILVER CREEK JUNCTION, UT | flow 4.65 ft³/s · quality 75 % (4) | 45 km |
| BEAR RIVER NEAR UTAH-WYOMING STATE LINE | flow 135.0 ft³/s | 14 km |
| SMITH AND MOREHOUSE CREEK NEAR OAKLEY, UTAH | flow 11.0 ft³/s · STALE | 15 km |
| WEBER RIVER NEAR OAKLEY, UT | flow 125.0 ft³/s | 28 km |
| SULPHUR CR AB RES,BL LA CHAPELLE CR,NR EVANSTON,WY | flow 8.40 ft³/s · STALE | 32 km |
| NORTH FORK PROVO RIVER NEAR KAMAS, UT | flow 4.70 ft³/s · STALE | 33 km |
| SULPHUR CREEK BL RESERVOIR, NR EVANSTON, WY | flow 0.62 ft³/s · STALE | 33 km |
| BLACKS FORK NEAR ROBERTSON, WY | flow 133.0 ft³/s | 34 km |
| WEBER RIVER NEAR PEOA, UTAH | flow 74.5 ft³/s | 36 km |
| WEBER RIVER NEAR COALVILLE, UT | flow 36.4 ft³/s | 37 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 #
19 wells in 0 named aquifers:
Sites found: 19, 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-403725111155201 | depth 31.1 ft · 2001-09-06 | 37 km |
| USGS-404011111284201 | depth 0.31 ft · 1988-05-04 | 49 km |
| USGS-404005111290601 | depth 5.20 ft · 1988-05-04 | 49 km |
| USGS-404008111291101 | depth 8.32 ft · 1988-05-03 | 49 km |
| USGS-404011111291501 | depth 1.50 ft · 1988-05-03 | 49 km |
| USGS-404004111291502 | depth 13.7 ft · 1988-05-05 | 49 km |
| USGS-404004111291501 | depth 10.8 ft · 1988-05-03 | 49 km |
| USGS-403959111292401 | depth 12.3 ft · 1988-05-04 | 50 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 #
low (0.19)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.08 / 0.55
Banks & federal dollars #
$1.8 bn in deposits at 13 offices of 7 banks (SOD June 2026); HHI 2,392, highly concentrated. $269.1 m federal obligations in FY2026 (direct payments $236.8 m, grants $21.5 m), $7,637 per covered job
| Item | Value | Distance |
|---|---|---|
| Zions Bancorporation, N.A. | $623.6 m · 34.3% share · 4 offices | |
| JPMorgan Chase Bank, National Association | $456.8 m · 25.1% share · 2 offices | |
| Wells Fargo Bank, National Association | $404.1 m · 22.2% share · 2 offices | |
| Summit, UT | $269.1 m FY2026 · $7,637/job | |
| MULTIPLE RECIPIENTS | $217.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Zions Bancorporation, N.A. | $623,555,000 | 34.3% | 4 |
| JPMorgan Chase Bank, National Association | $456,791,000 | 25.1% | 2 |
| Wells Fargo Bank, National Association | $404,088,000 | 22.2% | 2 |
| U.S. Bank National Association | $132,081,000 | 7.3% | 1 |
| KeyBank National Association | $82,801,000 | 4.5% | 2 |
| Glacier Bank | $69,413,000 | 3.8% | 1 |
| Grand Valley Bank | $51,327,000 | 2.8% | 1 |
Deposit concentration is 2,392 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 34.3² + 25.1² + 22.2² + … (4 more) = 2,392
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 | $201,129,333 |
| Department of Transportation | $19,791,957 |
| Department of Housing and Urban Development | $17,457,314 |
| Department of Veterans Affairs | $15,998,282 |
| Department of Defense | $9,445,854 |
| Department of Agriculture | $3,053,294 |
| Railroad Retirement Board | $991,292 |
| Department of Health and Human Services | $634,314 |
| National Aeronautics and Space Administration | $374,999 |
| Department of Education | $112,744 |
| Department of the Interior | $54,529 |
| Department of Homeland Security | $44,000 |
That is $7,637 per covered job, against 35,235 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $269.1 m / 35,235 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,637
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 #
Summit County, UT: 19 findings, 6 at a watch level and 13 noted
watchSummit County, UT's years of wages of 18.8 ranks 7th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 99.80404964075767 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchSummit County, UT's price-to-rent ratio of 33.3 ranks 8th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 99.48415622697127 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchSummit County, UT's years of wages is 18.8, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, 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: yearsOfWages = 18.763447919981004 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchSummit County, UT's price-to-rent ratio is 33.3, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, 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: priceToRent = 33.314739668528496 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchSummit County, UT's typical asking rent is +13.0% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; convention chosen for this dashboard, 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: rent.yoyPct = 12.982694486323156 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, 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.