Latah County, ID
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.82, -116.73.
Assembled 2026-10-19. Read the brief.
- 92nd pct · 240th of 3,063 US counties · median $230,451
- 78th pct · 10th of 43 Idaho counties · median $394,611
- 32nd pct · 2,055th of 3,062 US counties · median +2.9%
- 4th pct · 40th of 42 Idaho counties · median +3.2%
- 29th pct · 958th of 1,358 US counties · median $1,506
- 15th pct · 18th of 21 Idaho counties · median $1,555
- 64th pct · 1,133rd of 3,221 US counties · median 8,232
- 76th pct · 11th of 44 Idaho counties · median 4,800
- 49th pct · 1,611th of 3,221 US counties · median $1,039
- 59th pct · 18th of 44 Idaho counties · median $1,026
- 95th pct · 136th of 3,063 US counties · median 4.2
- 64th pct · 16th of 43 Idaho counties · median 7.6
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 $475,190 (Sep 2026), +1.3% over one year, +17.8% over five
- 92nd pct · 240th of 3,063 US counties · median $230,451
- 78th pct · 10th of 43 Idaho counties · median $394,611
| Item | Value | Distance |
|---|---|---|
| Latah County, ID | $475,190 · +1.3% 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 $1,287/mo (Sep 2026), +1.1% over one year; price-to-rent 30.8
- 29th pct · 958th of 1,358 US counties · median $1,506
- 15th pct · 18th of 21 Idaho counties · median $1,555
| Item | Value | Distance |
|---|---|---|
| Latah County, ID | $1,287/mo · +1.1% 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 $2,632 a month on $475,190 at 7.40%, against an average weekly wage worth $4,502 a month: 58.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $475,190 × 80% = $380,152, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,632/mo principal and interest
- wage share = payment / (avg weekly wage $1,039 × 52 / 12 = $4,502) = 58% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $475,190 / ($1,039 × 52) = 8.8
- price-to-rent = $475,190 / ($1,287 × 12) = 30.8
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 #
15,155 jobs at 1,392 employers (2026 Q1); +4.2% jobs and +6.2% average weekly wage over the year
- 64th pct · 1,133rd of 3,221 US counties · median 8,232
- 76th pct · 11th of 44 Idaho counties · median 4,800
| Item | Value | Distance |
|---|---|---|
| Latah County, ID | 15,155 jobs · $1,039/wk · +4.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,115 | $908 | 0.93 | +0.3% |
| Retail trade | 2,055 | $596 | 1.39 | +6.4% |
| Accommodation and food services | 1,779 | $373 | 1.31 | +3.3% |
| Construction | 979 | $1,415 | 1.23 | +53.9% |
| Professional and technical services | 741 | $1,650 | 0.71 | -3.0% |
| Educational services | 443 | $835 | 1.36 | +17.2% |
| Wholesale trade | 285 | $1,434 | 0.49 | -9.2% |
| Other services | 284 | $839 | 0.63 | +4.4% |
| Administrative and waste services | 257 | $1,084 | 0.30 | +19.0% |
| Finance and insurance | 182 | $1,399 | 0.29 | -1.1% |
| Real estate and rental | 175 | $792 | 0.75 | +1.7% |
| Arts, entertainment and recreation | 131 | $256 | 0.53 | +11.0% |
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 #
$710.3 m in deposits at 7 offices of 7 banks (SOD June 2026); HHI 1,656, moderately concentrated. $275.5 m federal obligations in FY2026 (direct payments $222.5 m, grants $49.1 m), $18,180 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $157.2 m · 22.1% share · 1 office | |
| Columbia Bank | $143.2 m · 20.2% share · 1 office | |
| U.S. Bank National Association | $139.2 m · 19.6% share · 1 office | |
| Latah, ID | $275.5 m FY2026 · $18,180/job | |
| MULTIPLE RECIPIENTS | $197.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $157,192,000 | 22.1% | 1 |
| Columbia Bank | $143,207,000 | 20.2% | 1 |
| U.S. Bank National Association | $139,208,000 | 19.6% | 1 |
| Zions Bancorporation, N.A. | $81,661,000 | 11.5% | 1 |
| JPMorgan Chase Bank, National Association | $75,388,000 | 10.6% | 1 |
| Banner Bank | $64,886,000 | 9.1% | 1 |
| Washington Trust Bank | $48,801,000 | 6.9% | 1 |
Deposit concentration is 1,656 across 7 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 22.1² + 20.2² + 19.6² + … (4 more) = 1,656
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 | $173,253,339 |
| Department of Veterans Affairs | $23,556,593 |
| Department of Agriculture | $19,683,821 |
| Department of Education | $17,973,604 |
| National Science Foundation | $15,615,420 |
| Department of Health and Human Services | $10,467,272 |
| Department of Transportation | $5,777,209 |
| National Aeronautics and Space Administration | $3,397,011 |
| Department of Justice | $1,744,415 |
| Department of Defense | $1,309,603 |
| Department of Energy | $989,955 |
| Railroad Retirement Board | $771,099 |
That is $18,180 per covered job, against 15,155 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $275.5 m / 15,155 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,180
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 #
Latah County, ID: 15 findings, 4 at a watch level and 11 noted
watchLatah County, ID's price-to-rent ratio of 30.8 ranks 16th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 98.89462048636699 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchLatah County, ID's price-to-rent ratio is 30.8, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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 2026-09.Show the arithmetic
- test: priceToRent = 30.76793408884058 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchLatah County, ID's years of wages of 8.8 ranks 136th 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 = 95.59111691704769 >= 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
watchLatah County, ID's years of wages of 8.8 scores 96 on the 0-to-100 scale across US counties but 64 across Idaho counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |96 across US counties - 64 across Idaho 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
noteLatah County, ID's average weekly wage was 6.2% 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
- +6.2 % = 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 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.