Mohave County, AZ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.72, -113.75.
Assembled 2026-10-19. Read the brief.
- 79th pct · 630th of 3,063 US counties · median $230,451
- 57th pct · 7th of 15 Arizona counties · median $335,772
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
- 40th pct · 1,831st of 3,062 US counties · median +2.9%
- 92nd pct · 2nd of 15 Arizona counties · median -0.2%
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
- 53rd pct · 638th of 1,358 US counties · median $1,506
- 41st pct · 8th of 13 Arizona counties · median $1,715
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
- 85th pct · 477th of 3,221 US counties · median 8,232
- 57th pct · 7th of 15 Arizona counties · median 33,459
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
- 47th pct · 1,676th of 3,221 US counties · median $1,039
- 14th pct · 13th of 15 Arizona counties · median $1,176
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
- 84th pct · 473rd of 3,063 US counties · median 4.2
- 78th pct · 4th of 15 Arizona counties · median 5.4
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman 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 $349,812 (Sep 2026), +2.0% over one year, +8.2% over five
- 79th pct · 630th of 3,063 US counties · median $230,451
- 57th pct · 7th of 15 Arizona counties · median $335,772
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Mohave County, AZ | $349,812 · +2.0% 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 $1,540/mo (Sep 2026), +2.0% over one year; price-to-rent 18.9
- 53rd pct · 638th of 1,358 US counties · median $1,506
- 41st pct · 8th of 13 Arizona counties · median $1,715
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Mohave County, AZ | $1,540/mo · +2.0% 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 $1,938 a month on $349,812 at 7.40%, against an average weekly wage worth $4,463 a month: 43.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $349,812 × 80% = $279,849, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,938/mo principal and interest
- wage share = payment / (avg weekly wage $1,030 × 52 / 12 = $4,463) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $349,812 / ($1,030 × 52) = 6.5
- price-to-rent = $349,812 / ($1,540 × 12) = 18.9
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 #
55,471 jobs at 5,104 employers (2026 Q1); -3.2% jobs and +3.6% average weekly wage over the year
- 85th pct · 477th of 3,221 US counties · median 8,232
- 57th pct · 7th of 15 Arizona counties · median 33,459
- counties in the Lake Havasu City-Kingman metro: Rank context is unavailable: the manifest lists 1 counties in the Lake Havasu City-Kingman metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Mohave County, AZ | 55,471 jobs · $1,030/wk · -3.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 9,698 | $742 | 1.79 | -4.7% |
| Health care and social assistance | 8,819 | $1,354 | 1.06 | -5.9% |
| Accommodation and food services | 7,016 | $540 | 1.41 | -4.7% |
| Construction | 4,185 | $1,041 | 1.44 | -14.2% |
| Manufacturing | 2,744 | $1,324 | 0.61 | -9.3% |
| Administrative and waste services | 2,531 | $921 | 0.80 | +0.5% |
| Wholesale trade | 2,057 | $1,484 | 0.97 | +0.1% |
| Other services | 1,679 | $841 | 1.01 | +1.6% |
| Transportation and warehousing | 1,405 | $1,237 | 0.60 | -0.6% |
| Finance and insurance | 1,168 | $1,453 | 0.52 | -0.3% |
| Professional and technical services | 1,166 | $1,189 | 0.30 | -1.7% |
| Arts, entertainment and recreation | 779 | $668 | 0.85 | -7.8% |
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 #
$4.5 bn in deposits at 31 offices of 10 banks (SOD June 2026); HHI 2,023, highly concentrated. $2.2 bn federal obligations in FY2026 (direct payments $2.1 bn, grants $82.1 m), $38,877 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $1.2 bn · 28.0% share · 6 offices | |
| Wells Fargo Bank, National Association | $1.2 bn · 27.9% share · 5 offices | |
| Glacier Bank | $809.2 m · 18.2% share · 5 offices | |
| Mohave, AZ | $2.2 bn FY2026 · $38,877/job | |
| MULTIPLE RECIPIENTS | $2.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $1,248,901,000 | 28.0% | 6 |
| Wells Fargo Bank, National Association | $1,244,715,000 | 27.9% | 5 |
| Glacier Bank | $809,227,000 | 18.2% | 5 |
| Zions Bancorporation, N.A. | $332,142,000 | 7.5% | 3 |
| PNC Bank, National Association | $222,442,000 | 5.0% | 3 |
| U.S. Bank National Association | $215,951,000 | 4.8% | 2 |
| Mission Bank | $171,045,000 | 3.8% | 3 |
| First Savings Bank | $126,897,000 | 2.8% | 1 |
| Goldwater Bank, N.A. | $65,382,000 | 1.5% | 1 |
| First National Bank Texas | $20,944,000 | 0.5% | 2 |
Deposit concentration is 2,023 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 28.0² + 27.9² + 18.2² + … (7 more) = 2,023
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 | $1,754,669,191 |
| Department of Veterans Affairs | $243,898,067 |
| Department of Transportation | $69,817,224 |
| Department of the Interior | $27,614,435 |
| Railroad Retirement Board | $21,673,258 |
| Department of Education | $15,102,529 |
| Department of Housing and Urban Development | $7,541,203 |
| Department of Agriculture | $4,766,344 |
| Department of Health and Human Services | $4,342,891 |
| Federal Communications Commission | $2,804,777 |
| Department of Defense | $1,757,602 |
| Environmental Protection Agency | $1,510,464 |
That is $38,877 per covered job, against 55,471 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 55,471 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,877
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 #
Mohave County, AZ: 10 findings, 1 at an alert level, 3 at a watch level and 6 noted
alertMohave County, AZ's covered employment is -3.2% 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 = -3.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMohave County, AZ's covered employment is -3.2% 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 = -3.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMohave County, AZ's typical home value of +2.0% scores 40 on the 0-to-100 scale across US counties but 93 across Arizona counties, a gap of 53 points.
Period 2026-09.Show the arithmetic
- 53 = |40 across US counties - 93 across Arizona counties|
position among the entities that published this metric this period; not an official level
watchMohave County, AZ's average weekly wage of $1,030 scores 48 on the 0-to-100 scale across US counties but 14 across Arizona counties, a gap of 34 points.
Period 2026 Q1.Show the arithmetic
- 34 = |48 across US counties - 14 across Arizona counties|
position among the entities that published this metric this period; not an official level
noteMohave County, AZ's average weekly wage was 3.6% 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
- +3.6 % = 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
Read all 10 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.