Yuma County, AZ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.77, -113.91.
Assembled 2026-10-19. Read the brief.
- 64th pct · 1,087th of 3,063 US counties · median $230,451
- 28th pct · 11th of 15 Arizona counties · median $335,772
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
- 24th pct · 2,319th of 3,062 US counties · median +2.9%
- 71st pct · 5th of 15 Arizona counties · median -0.2%
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
- 42nd pct · 778th of 1,358 US counties · median $1,506
- 16th pct · 11th of 13 Arizona counties · median $1,715
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
- 88th pct · 371st of 3,221 US counties · median 8,232
- 78th pct · 4th of 15 Arizona counties · median 33,459
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
- 60th pct · 1,266th of 3,221 US counties · median $1,039
- 35th pct · 10th of 15 Arizona counties · median $1,176
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
- 63rd pct · 1,115th of 3,063 US counties · median 4.2
- 28th pct · 11th of 15 Arizona counties · median 5.4
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma 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 $276,759 (Sep 2026), +0.4% over one year, +26.3% over five
- 64th pct · 1,087th of 3,063 US counties · median $230,451
- 28th pct · 11th of 15 Arizona counties · median $335,772
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Yuma County, AZ | $276,759 · +0.4% 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 $1,424/mo (Sep 2026), +3.5% over one year; price-to-rent 16.2
- 42nd pct · 778th of 1,358 US counties · median $1,506
- 16th pct · 11th of 13 Arizona counties · median $1,715
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Yuma County, AZ | $1,424/mo · +3.5% 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 $1,533 a month on $276,759 at 7.40%, against an average weekly wage worth $4,732 a month: 32.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $276,759 × 80% = $221,407, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,533/mo principal and interest
- wage share = payment / (avg weekly wage $1,092 × 52 / 12 = $4,732) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $276,759 / ($1,092 × 52) = 4.9
- price-to-rent = $276,759 / ($1,424 × 12) = 16.2
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 #
76,191 jobs at 3,934 employers (2026 Q1); -0.7% jobs and +3.1% average weekly wage over the year
- 88th pct · 371st of 3,221 US counties · median 8,232
- 78th pct · 4th of 15 Arizona counties · median 33,459
- counties in the Yuma metro: Rank context is unavailable: the manifest lists 1 counties in the Yuma metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Yuma County, AZ | 76,191 jobs · $1,092/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,006 | $1,368 | 0.79 | +2.6% |
| Retail trade | 8,267 | $823 | 1.11 | -1.8% |
| Accommodation and food services | 6,826 | $571 | 1.00 | +0.0% |
| Construction | 4,280 | $1,115 | 1.07 | +6.8% |
| Manufacturing | 2,838 | $1,348 | 0.46 | -5.6% |
| Professional and technical services | 2,320 | $1,491 | 0.44 | -6.6% |
| Administrative and waste services | 2,254 | $1,042 | 0.52 | -23.2% |
| Finance and insurance | 2,227 | $1,728 | 0.72 | -4.3% |
| Wholesale trade | 2,210 | $1,466 | 0.76 | -5.8% |
| Other services | 1,610 | $948 | 0.71 | -1.2% |
| Real estate and rental | 794 | $732 | 0.68 | +4.1% |
| Educational services | 448 | $776 | 0.27 | -13.0% |
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 #
$2.6 bn in deposits at 16 offices of 6 banks (SOD June 2026); HHI 2,643, highly concentrated. $1.6 bn federal obligations in FY2026 (direct payments $1.2 bn, contracts $347.8 m), $21,021 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $894.1 m · 34.7% share · 4 offices | |
| Wells Fargo Bank, National Association | $825.7 m · 32.1% share · 4 offices | |
| Glacier Bank | $391.9 m · 15.2% share · 2 offices | |
| Yuma, AZ | $1.6 bn FY2026 · $21,021/job | |
| MULTIPLE RECIPIENTS | $1.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $894,052,000 | 34.7% | 4 |
| Wells Fargo Bank, National Association | $825,676,000 | 32.1% | 4 |
| Glacier Bank | $391,930,000 | 15.2% | 2 |
| Zions Bancorporation, N.A. | $312,806,000 | 12.2% | 3 |
| WaFd Bank | $133,136,000 | 5.2% | 2 |
| Academy Bank, National Association | $16,103,000 | 0.6% | 1 |
Deposit concentration is 2,643 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 34.7² + 32.1² + 15.2² + … (3 more) = 2,643
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 | $924,130,005 |
| Department of Veterans Affairs | $235,205,846 |
| Department of Defense | $163,330,449 |
| Department of Homeland Security | $149,191,741 |
| Department of Education | $25,141,561 |
| Department of Housing and Urban Development | $22,916,024 |
| Department of the Interior | $17,396,596 |
| General Services Administration | $15,898,954 |
| Department of Agriculture | $13,892,934 |
| Department of Transportation | $13,632,493 |
| Department of Health and Human Services | $10,173,165 |
| Railroad Retirement Board | $8,145,896 |
That is $21,021 per covered job, against 76,191 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.6 bn / 76,191 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,021
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 #
Yuma County, AZ: 12 findings, 6 at a watch level and 6 noted
watchYuma County, AZ's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchYuma County, AZ's typical home value of +0.4% scores 24 on the 0-to-100 scale across US counties but 71 across Arizona counties, a gap of 47 points.
Period 2026-09.Show the arithmetic
- 47 = |24 across US counties - 71 across Arizona counties|
position among the entities that published this metric this period; not an official level
watchYuma County, AZ's typical home value of $276,759 scores 65 on the 0-to-100 scale across US counties but 29 across Arizona counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |65 across US counties - 29 across Arizona counties|
position among the entities that published this metric this period; not an official level
watchYuma County, AZ's momentum index of 0.12 scores 36 on the 0-to-100 scale across US counties but 71 across Arizona counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |36 across US counties - 71 across Arizona counties|
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
watchYuma County, AZ's years of wages of 4.9 scores 64 on the 0-to-100 scale across US counties but 29 across Arizona counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |64 across US counties - 29 across Arizona counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
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.