Geary County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.00, -96.77.
Assembled 2026-10-19. Read the brief.
- 41st pct · 1,794th of 3,063 US counties · median $230,451
- 81st pct · 20th of 105 Kansas counties · median $148,146
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
- 7th pct · 2,840th of 3,062 US counties · median +2.9%
- 6th pct · 98th of 105 Kansas counties · median +4.1%
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
- 18th pct · 1,106th of 1,358 US counties · median $1,506
- 44th pct · 11th of 19 Kansas counties · median $1,215
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
- 60th pct · 1,280th of 3,221 US counties · median 8,232
- 81st pct · 20th of 105 Kansas counties · median 2,554
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
- 47th pct · 1,689th of 3,221 US counties · median $1,039
- 76th pct · 25th of 105 Kansas counties · median $943
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
- 43rd pct · 1,744th of 3,063 US counties · median 4.2
- 76th pct · 25th of 105 Kansas counties · median 3.0
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan 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 $208,531 (Sep 2026), -2.9% over one year, +18.6% over five
- 41st pct · 1,794th of 3,063 US counties · median $230,451
- 81st pct · 20th of 105 Kansas counties · median $148,146
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Geary County, KS | $208,531 · -2.9% 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 $1,157/mo (Sep 2026), +1.3% over one year; price-to-rent 15.0
- 18th pct · 1,106th of 1,358 US counties · median $1,506
- 44th pct · 11th of 19 Kansas counties · median $1,215
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Geary County, KS | $1,157/mo · +1.3% 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 $1,155 a month on $208,531 at 7.40%, against an average weekly wage worth $4,455 a month: 25.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $208,531 × 80% = $166,825, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,155/mo principal and interest
- wage share = payment / (avg weekly wage $1,028 × 52 / 12 = $4,455) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $208,531 / ($1,028 × 52) = 3.9
- price-to-rent = $208,531 / ($1,157 × 12) = 15.0
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 #
12,548 jobs at 735 employers (2026 Q1); -0.7% jobs and +3.8% average weekly wage over the year
- 60th pct · 1,280th of 3,221 US counties · median 8,232
- 81st pct · 20th of 105 Kansas counties · median 2,554
- counties in the Manhattan metro: Rank context is unavailable: the manifest lists 3 counties in the Manhattan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Geary County, KS | 12,548 jobs · $1,028/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,270 | $436 | 1.13 | -6.6% |
| Retail trade | 1,269 | $624 | 1.04 | -2.9% |
| Transportation and warehousing | 1,052 | $758 | 1.99 | +12.9% |
| Manufacturing | 792 | $1,231 | 0.78 | -15.5% |
| Health care and social assistance | 699 | $864 | 0.37 | +2.6% |
| Professional and technical services | 689 | $1,598 | 0.80 | +11.5% |
| Real estate and rental | 256 | $1,038 | 1.33 | +2.8% |
| Educational services | 233 | $1,237 | 0.86 | +497.4% |
| Finance and insurance | 227 | $1,833 | 0.44 | -5.0% |
| Wholesale trade | 129 | $1,571 | 0.27 | +6.6% |
| Arts, entertainment and recreation | 71 | $365 | 0.34 | +0.0% |
| Utilities | 70 | $1,549 | 1.41 | +14.8% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
$740.0 m in deposits at 12 offices of 7 banks (SOD June 2026); HHI 3,530, highly concentrated. $400.9 m federal obligations in FY2026 (direct payments $236.3 m, contracts $100.0 m), $31,952 per covered job
| Item | Value | Distance |
|---|---|---|
| Central National Bank | $410.0 m · 55.4% share · 6 offices | |
| Exchange Bank | $125.9 m · 17.0% share · 1 office | |
| Intrust Bank, National Association | $58.5 m · 7.9% share · 1 office | |
| Geary, KS | $400.9 m FY2026 · $31,952/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Central National Bank | $410,019,000 | 55.4% | 6 |
| Exchange Bank | $125,893,000 | 17.0% | 1 |
| Intrust Bank, National Association | $58,524,000 | 7.9% | 1 |
| KS StateBank | $49,898,000 | 6.7% | 1 |
| Sunflower Bank, National Association | $43,620,000 | 5.9% | 1 |
| Armed Forces Bank, National Association | $33,871,000 | 4.6% | 1 |
| Landmark National Bank | $18,138,000 | 2.5% | 1 |
Deposit concentration is 3,530 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 55.4² + 17.0² + 7.9² + … (4 more) = 3,530
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 $31,952 per covered job, against 12,548 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $400.9 m / 12,548 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,952
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 #
Geary County, KS: 11 findings, 4 at a watch level and 7 noted
watchGeary County, KS' typical home value is -2.9% 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 = -2.9079747661149584 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchGeary County, KS' 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
watchGeary County, KS' typical home value of $208,531 scores 41 on the 0-to-100 scale across US counties but 82 across Kansas counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |41 across US counties - 82 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchGeary County, KS' years of wages of 3.9 scores 43 on the 0-to-100 scale across US counties but 77 across Kansas counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |43 across US counties - 77 across Kansas 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
noteGeary County, KS' average weekly wage was 3.8% 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
- +3.8 % = 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 11 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.