Clear Creek County, CO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.69, -105.67.
Assembled 2026-10-19. Read the brief.
- 95th pct · 149th of 3,063 US counties · median $230,451
- 72nd pct · 18th of 62 Colorado counties · median $448,803
- 55th pct · 5th of 10 counties in the Denver-Aurora-Centennial metro · median $541,224
- 14th pct · 2,633rd of 3,062 US counties · median +2.9%
- 37th pct · 39th of 62 Colorado counties · median -0.4%
- 88th pct · 2nd of 10 counties in the Denver-Aurora-Centennial metro · median -1.7%
- 81st pct · 253rd of 1,358 US counties · median $1,506
- 53rd pct · 16th of 33 Colorado counties · median $1,931
- 57th pct · 4th of 8 counties in the Denver-Aurora-Centennial metro · median $1,944
- 28th pct · 2,300th of 3,221 US counties · median 8,232
- 38th pct · 40th of 64 Colorado counties · median 4,853
- 11th pct · 9th of 10 counties in the Denver-Aurora-Centennial metro · median 94,239
- 91st pct · 282nd of 3,221 US counties · median $1,039
- 85th pct · 10th of 64 Colorado counties · median $1,075
- 33rd pct · 7th of 10 counties in the Denver-Aurora-Centennial metro · median $1,619
- 90th pct · 288th of 3,063 US counties · median 4.2
- 60th pct · 25th of 62 Colorado counties · median 6.4
- 66th pct · 4th of 10 counties in the Denver-Aurora-Centennial metro · median 6.8
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 $549,459 (Sep 2026), -1.1% over one year, +9.4% over five
- 95th pct · 149th of 3,063 US counties · median $230,451
- 72nd pct · 18th of 62 Colorado counties · median $448,803
- 55th pct · 5th of 10 counties in the Denver-Aurora-Centennial metro · median $541,224
| Item | Value | Distance |
|---|---|---|
| Clear Creek County, CO | $549,459 · -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 #
Typical rent $1,956/mo (Sep 2026), +0.6% over one year; price-to-rent 23.4
- 81st pct · 253rd of 1,358 US counties · median $1,506
- 53rd pct · 16th of 33 Colorado counties · median $1,931
- 57th pct · 4th of 8 counties in the Denver-Aurora-Centennial metro · median $1,944
| Item | Value | Distance |
|---|---|---|
| Clear Creek County, CO | $1,956/mo · +0.6% 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 $3,043 a month on $549,459 at 7.40%, against an average weekly wage worth $6,283 a month: 48.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $549,459 × 80% = $439,567, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,043/mo principal and interest
- wage share = payment / (avg weekly wage $1,450 × 52 / 12 = $6,283) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $549,459 / ($1,450 × 52) = 7.3
- price-to-rent = $549,459 / ($1,956 × 12) = 23.4
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 #
3,537 jobs at 426 employers (2026 Q1); -0.2% jobs and +12.7% average weekly wage over the year
- 28th pct · 2,300th of 3,221 US counties · median 8,232
- 38th pct · 40th of 64 Colorado counties · median 4,853
- 11th pct · 9th of 10 counties in the Denver-Aurora-Centennial metro · median 94,239
| Item | Value | Distance |
|---|---|---|
| Clear Creek County, CO | 3,537 jobs · $1,450/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 250 | $690 | 0.73 | +13.1% |
| Professional and technical services | 186 | $2,880 | 0.76 | +33.8% |
| Manufacturing | 97 | $841 | 0.34 | -10.2% |
| Finance and insurance | 67 | $2,629 | 0.46 | +81.1% |
| Other services | 67 | $998 | 0.63 | +11.7% |
| Administrative and waste services | 56 | $1,378 | 0.28 | -5.1% |
| Construction | 53 | $952 | 0.29 | -32.9% |
| Real estate and rental | 40 | $700 | 0.74 | +14.3% |
| Wholesale trade | 33 | $2,186 | 0.24 | -63.7% |
| Management of companies | 23 | $1,948 | 0.39 | -11.5% |
| Information | 9 | $2,016 | 0.14 | -55.0% |
| Unclassified | 2 | $2,545 | 0.27 | +100.0% |
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 #
D2 severe 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 (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$32.3 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $87.0 m federal obligations in FY2026 (direct payments $53.5 m, grants $33.2 m), $24,588 per covered job
| Item | Value | Distance |
|---|---|---|
| Evergreen National Bank | $32.3 m · 100.0% share · 1 office | |
| Clear Creek, CO | $87.0 m FY2026 · $24,588/job | |
| MULTIPLE RECIPIENTS | $53.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Evergreen National Bank | $32,293,000 | 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.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $50,255,352 |
| Department of Transportation | $33,525,103 |
| Department of Veterans Affairs | $3,076,796 |
| Railroad Retirement Board | $97,231 |
| Federal Communications Commission | $36,638 |
| Department of the Treasury | $1,765 |
| Environmental Protection Agency | $0 |
| Department of the Interior | $0 |
| Department of Agriculture | -$26,047 |
That is $24,588 per covered job, against 3,537 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $87.0 m / 3,537 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,588
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 #
Clear Creek County, CO: 12 findings, 5 at a watch level and 7 noted
watchClear Creek County, CO's typical home value is -1.1% 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 = -1.103108570378269 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchClear Creek County, CO's years of wages of 7.3 ranks 288th 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 = 90.62704114957543 >= 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
watchClear Creek County, CO's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchClear Creek County, CO's price-to-rent ratio of 23.4 scores 89 on the 0-to-100 scale across US counties but 53 across Colorado counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |89 across US counties - 53 across Colorado counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchClear Creek County, CO's covered employment of -0.2% scores 51 on the 0-to-100 scale across US counties but 82 across Colorado counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |51 across US counties - 82 across Colorado 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.