Yavapai County, AZ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.63, -112.58.
Assembled 2026-10-19. Read the brief.
- 93rd pct · 197th of 3,063 US counties · median $230,451
- 92nd pct · 2nd of 15 Arizona counties · median $335,772
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
- 20th pct · 2,430th of 3,062 US counties · median +2.9%
- 57th pct · 7th of 15 Arizona counties · median -0.2%
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
- 78th pct · 292nd of 1,358 US counties · median $1,506
- 91st pct · 2nd of 13 Arizona counties · median $1,715
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
- 87th pct · 390th of 3,221 US counties · median 8,232
- 71st pct · 5th of 15 Arizona counties · median 33,459
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
- 57th pct · 1,360th of 3,221 US counties · median $1,039
- 21st pct · 12th of 15 Arizona counties · median $1,176
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
- 95th pct · 129th of 3,063 US counties · median 4.2
- 92nd pct · 2nd of 15 Arizona counties · median 5.4
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott 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 $496,923 (Sep 2026), -0.0% over one year, +11.7% over five
- 93rd pct · 197th of 3,063 US counties · median $230,451
- 92nd pct · 2nd of 15 Arizona counties · median $335,772
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Yavapai County, AZ | $496,923 · -0.0% 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 $1,883/mo (Sep 2026), +0.8% over one year; price-to-rent 22.0
- 78th pct · 292nd of 1,358 US counties · median $1,506
- 91st pct · 2nd of 13 Arizona counties · median $1,715
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Yavapai County, AZ | $1,883/mo · +0.8% 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 $2,752 a month on $496,923 at 7.40%, against an average weekly wage worth $4,663 a month: 59.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $496,923 × 80% = $397,538, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,752/mo principal and interest
- wage share = payment / (avg weekly wage $1,076 × 52 / 12 = $4,663) = 59% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $496,923 / ($1,076 × 52) = 8.9
- price-to-rent = $496,923 / ($1,883 × 12) = 22.0
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 #
71,332 jobs at 7,371 employers (2026 Q1); -1.3% jobs and +1.4% average weekly wage over the year
- 87th pct · 390th of 3,221 US counties · median 8,232
- 71st pct · 5th of 15 Arizona counties · median 33,459
- counties in the Prescott Valley-Prescott metro: Rank context is unavailable: the manifest lists 1 counties in the Prescott Valley-Prescott metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Yavapai County, AZ | 71,332 jobs · $1,076/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 11,375 | $1,185 | 1.06 | +1.9% |
| Retail trade | 9,866 | $763 | 1.42 | -1.2% |
| Accommodation and food services | 9,111 | $597 | 1.42 | -3.2% |
| Construction | 5,942 | $1,126 | 1.59 | +0.7% |
| Administrative and waste services | 4,219 | $953 | 1.04 | -1.7% |
| Manufacturing | 3,678 | $1,286 | 0.64 | +4.5% |
| Professional and technical services | 2,048 | $1,362 | 0.42 | -5.2% |
| Educational services | 1,941 | $873 | 1.26 | -6.1% |
| Other services | 1,929 | $889 | 0.90 | -18.2% |
| Wholesale trade | 1,673 | $1,690 | 0.61 | -6.7% |
| Transportation and warehousing | 1,652 | $1,027 | 0.55 | +3.8% |
| Finance and insurance | 1,230 | $1,878 | 0.42 | -6.2% |
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 #
$5.6 bn in deposits at 43 offices of 13 banks (SOD June 2026); HHI 1,739, moderately concentrated. $2.7 bn federal obligations in FY2026 (direct payments $2.5 bn, grants $128.9 m), $38,242 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $1.7 bn · 30.9% share · 9 offices | |
| Wells Fargo Bank, National Association | $1.1 bn · 20.3% share · 5 offices | |
| Zions Bancorporation, N.A. | $649.0 m · 11.7% share · 7 offices | |
| Yavapai, AZ | $2.7 bn FY2026 · $38,242/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $1,720,949,000 | 30.9% | 9 |
| Wells Fargo Bank, National Association | $1,128,213,000 | 20.3% | 5 |
| Zions Bancorporation, N.A. | $648,985,000 | 11.7% | 7 |
| Bank of America, National Association | $526,005,000 | 9.5% | 2 |
| Glacier Bank | $464,273,000 | 8.3% | 4 |
| Flagstar Bank, National Association | $291,425,000 | 5.2% | 3 |
| BMO Bank National Association | $263,092,000 | 4.7% | 4 |
| Bank of Colorado | $165,719,000 | 3.0% | 3 |
| U.S. Bank National Association | $156,076,000 | 2.8% | 1 |
| PNC Bank, National Association | $144,152,000 | 2.6% | 2 |
Deposit concentration is 1,739 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 30.9² + 20.3² + 11.7² + … (10 more) = 1,739
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 #
That is $38,242 per covered job, against 71,332 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.7 bn / 71,332 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,242
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 #
Yavapai County, AZ: 13 findings, 5 at a watch level and 8 noted
watchYavapai County, AZ's years of wages of 8.9 ranks 129th 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 = 95.81972566949706 >= 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
watchYavapai County, AZ's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchYavapai County, AZ's typical home value is -0.0% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.03896755596379336 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchYavapai County, AZ's typical home value of -0.0% scores 21 on the 0-to-100 scale across US counties but 57 across Arizona counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |21 across US counties - 57 across Arizona counties|
position among the entities that published this metric this period; not an official level
watchYavapai County, AZ's average weekly wage of $1,076 scores 58 on the 0-to-100 scale across US counties but 21 across Arizona counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |58 across US counties - 21 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.