Apache County, AZ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.39, -109.49.
Assembled 2026-10-19. Read the brief.
- 74th pct · 790th of 3,063 US counties · median $230,451
- 42nd pct · 9th of 15 Arizona counties · median $335,772
- 30th pct · 2,134th of 3,062 US counties · median +2.9%
- 85th pct · 3rd of 15 Arizona counties · median -0.2%
- US counties: not published this period
- Arizona counties: not published this period
- 66th pct · 1,072nd of 3,221 US counties · median 8,232
- 35th pct · 10th of 15 Arizona counties · median 33,459
- 67th pct · 1,042nd of 3,221 US counties · median $1,039
- 42nd pct · 9th of 15 Arizona counties · median $1,176
- 72nd pct · 845th of 3,063 US counties · median 4.2
- 50th pct · 8th of 15 Arizona counties · median 5.4
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 $319,753 (Sep 2026), +1.1% over one year, +17.0% over five
- 74th pct · 790th of 3,063 US counties · median $230,451
- 42nd pct · 9th of 15 Arizona counties · median $335,772
| Item | Value | Distance |
|---|---|---|
| Apache County, AZ | $319,753 · +1.1% 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
- Arizona 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 $1,771 a month on $319,753 at 7.40%, against an average weekly wage worth $4,897 a month: 36.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $319,753 × 80% = $255,803, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,771/mo principal and interest
- wage share = payment / (avg weekly wage $1,130 × 52 / 12 = $4,897) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $319,753 / ($1,130 × 52) = 5.4
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 #
16,233 jobs at 621 employers (2026 Q1); -4.7% jobs and +6.1% average weekly wage over the year
- 66th pct · 1,072nd of 3,221 US counties · median 8,232
- 35th pct · 10th of 15 Arizona counties · median 33,459
| Item | Value | Distance |
|---|---|---|
| Apache County, AZ | 16,233 jobs · $1,130/wk · -4.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,613 | $1,506 | 1.07 | +4.9% |
| Retail trade | 995 | $598 | 0.63 | -4.5% |
| Construction | 744 | $923 | 0.87 | +23.4% |
| Educational services | 332 | $956 | 0.95 | +7.4% |
| Administrative and waste services | 225 | $1,125 | 0.24 | +26.4% |
| Wholesale trade | 197 | $1,798 | 0.32 | -3.0% |
| Information | 64 | $1,760 | 0.21 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | 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 #
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 #
$436.9 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 4,612, highly concentrated. $1.1 bn federal obligations in FY2026 (direct payments $719.6 m, grants $258.7 m), $65,573 per covered job
| Item | Value | Distance |
|---|---|---|
| Zions Bancorporation, N.A. | $263.8 m · 60.4% share · 2 offices | |
| Wells Fargo Bank, National Association | $128.1 m · 29.3% share · 2 offices | |
| BMO Bank National Association | $45.0 m · 10.3% share · 1 office | |
| Apache, AZ | $1.1 bn FY2026 · $65,573/job | |
| MULTIPLE RECIPIENTS | $364.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Zions Bancorporation, N.A. | $263,810,000 | 60.4% | 2 |
| Wells Fargo Bank, National Association | $128,117,000 | 29.3% | 2 |
| BMO Bank National Association | $44,974,000 | 10.3% | 1 |
Deposit concentration is 4,612 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 60.4² + 29.3² + 10.3² = 4,612
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 the Interior | $363,687,951 |
| Social Security Administration | $313,429,716 |
| Department of Housing and Urban Development | $129,982,694 |
| Department of Education | $79,235,315 |
| Department of Health and Human Services | $72,769,726 |
| Department of Veterans Affairs | $40,009,966 |
| Department of Agriculture | $17,886,302 |
| Department of Transportation | $13,483,255 |
| Environmental Protection Agency | $13,433,763 |
| Federal Communications Commission | $13,017,573 |
| Railroad Retirement Board | $7,891,115 |
| Department of Justice | $125,641 |
That is $65,573 per covered job, against 16,233 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 16,233 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $65,573
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 #
Apache County, AZ: 12 findings, 1 at an alert level, 5 at a watch level and 6 noted
alertApache County, AZ's covered employment is -4.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchApache County, AZ's covered employment is -4.7% 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 = -4.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchApache County, AZ's typical home value of +1.1% scores 30 on the 0-to-100 scale across US counties but 86 across Arizona counties, a gap of 55 points.
Period 2026-09.Show the arithmetic
- 55 = |30 across US counties - 86 across Arizona counties|
position among the entities that published this metric this period; not an official level
watchApache County, AZ's typical home value of $319,753 scores 74 on the 0-to-100 scale across US counties but 43 across Arizona counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |74 across US counties - 43 across Arizona counties|
position among the entities that published this metric this period; not an official level
watchApache County, AZ's covered employment of 16,233 scores 67 on the 0-to-100 scale across US counties but 36 across Arizona counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |67 across US counties - 36 across Arizona counties|
position among the entities that published this metric this period; 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.