Wayne County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.26, -110.99.
Assembled 2026-10-19. Read the brief.
- 90th pct · 292nd of 3,063 US counties · median $230,451
- 51st pct · 14th of 28 Utah counties · median $445,634
- 39th pct · 1,865th of 3,062 US counties · median +2.9%
- 25th pct · 21st of 28 Utah counties · median +2.5%
- US counties: not published this period
- Utah counties: not published this period
- 8th pct · 2,938th of 3,221 US counties · median 8,232
- 10th pct · 26th of 29 Utah counties · median 8,951
- 18th pct · 2,621st of 3,221 US counties · median $1,039
- 14th pct · 25th of 29 Utah counties · median $1,042
- 96th pct · 98th of 3,063 US counties · median 4.2
- 77th pct · 7th 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 $446,206 (Sep 2026), +1.9% over one year, n/a over five
- 90th pct · 292nd of 3,063 US counties · median $230,451
- 51st pct · 14th of 28 Utah counties · median $445,634
| Item | Value | Distance |
|---|---|---|
| Wayne County, UT | $446,206 · +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
- Utah 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 $2,472 a month on $446,206 at 7.40%, against an average weekly wage worth $3,887 a month: 63.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $446,206 × 80% = $356,965, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,472/mo principal and interest
- wage share = payment / (avg weekly wage $897 × 52 / 12 = $3,887) = 64% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $446,206 / ($897 × 52) = 9.6
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 #
1,239 jobs at 156 employers (2026 Q1); 0.0% jobs and +7.6% average weekly wage over the year
- 8th pct · 2,938th of 3,221 US counties · median 8,232
- 10th pct · 26th of 29 Utah counties · median 8,951
| Item | Value | Distance |
|---|---|---|
| Wayne County, UT | 1,239 jobs · $897/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 289 | $1,115 | 4.45 | +0.0% |
| Accommodation and food services | 197 | $551 | 1.77 | -25.9% |
| Retail trade | 176 | $609 | 1.46 | +25.7% |
| Health care and social assistance | 120 | $927 | 0.64 | +5.3% |
| Wholesale trade | 29 | $864 | 0.61 | +0.0% |
| Professional and technical services | 23 | $882 | 0.27 | +21.1% |
| Arts, entertainment and recreation | 8 | $653 | 0.39 | +14.3% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld |
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 #
D3 extreme 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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$90.5 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $29.9 m federal obligations in FY2026 (direct payments $17.9 m, grants $8.2 m), $24,144 per covered job
| Item | Value | Distance |
|---|---|---|
| Cache Valley Bank | $90.5 m · 100.0% share · 1 office | |
| Wayne, UT | $29.9 m FY2026 · $24,144/job | |
| MULTIPLE RECIPIENTS | $17.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Cache Valley Bank | $90,528,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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.
That is $24,144 per covered job, against 1,239 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $29.9 m / 1,239 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,144
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 #
Wayne County, UT: 8 findings, 2 at a watch level and 6 noted
watchWayne County, UT's years of wages of 9.6 ranks 98th 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 = 96.83213585891575 >= 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
watchWayne County, UT's typical home value of $446,206 scores 90 on the 0-to-100 scale across US counties but 52 across Utah counties, a gap of 39 points.
Period 2026-09.Show the arithmetic
- 39 = |90 across US counties - 52 across Utah counties|
position among the entities that published this metric this period; not an official level
noteWayne County, UT's average weekly wage was 7.6% 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
- +7.6 % = 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
noteWayne County, UT's typical home value fell 0.3% from $447,548 in August 2026 to $446,206 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (446206.03348453244 - 447547.9411357639) / 447547.9411357639 × 100
- 446206.03348453244 = Zillow ZHVI, 2026-09
- 447547.9411357639 = Zillow ZHVI, 2026-08
noteWayne County, UT's covered employment of 1,239 ranks 2,938th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 9 on the 0-to-100 scale across 3221 US 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.