Lyon County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.46, -96.16.
Assembled 2026-10-19. Read the brief.
- 35th pct · 1,977th of 3,063 US counties · median $230,451
- 76th pct · 25th of 105 Kansas counties · median $148,146
- 59th pct · 1,255th of 3,062 US counties · median +2.9%
- 45th pct · 58th of 105 Kansas counties · median +4.1%
- 0th pct · 1,355th of 1,358 US counties · median $1,506
- 0th pct · 19th of 19 Kansas counties · median $1,215
- 63rd pct · 1,172nd of 3,221 US counties · median 8,232
- 85th pct · 16th of 105 Kansas counties · median 2,554
- 36th pct · 2,051st of 3,221 US counties · median $1,039
- 64th pct · 37th of 105 Kansas counties · median $943
- 40th pct · 1,813th of 3,063 US counties · median 4.2
- 75th pct · 27th of 105 Kansas counties · median 3.0
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 $192,806 (Sep 2026), +3.6% over one year, +26.1% over five
- 35th pct · 1,977th of 3,063 US counties · median $230,451
- 76th pct · 25th of 105 Kansas counties · median $148,146
| Item | Value | Distance |
|---|---|---|
| Lyon County, KS | $192,806 · +3.6% 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 $718/mo (Sep 2026), -2.3% over one year; price-to-rent 22.4
- 0th pct · 1,355th of 1,358 US counties · median $1,506
- 0th pct · 19th of 19 Kansas counties · median $1,215
| Item | Value | Distance |
|---|---|---|
| Lyon County, KS | $718/mo · -2.3% 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 $1,068 a month on $192,806 at 7.40%, against an average weekly wage worth $4,234 a month: 25.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $192,806 × 80% = $154,245, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,068/mo principal and interest
- wage share = payment / (avg weekly wage $977 × 52 / 12 = $4,234) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $192,806 / ($977 × 52) = 3.8
- price-to-rent = $192,806 / ($718 × 12) = 22.4
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 #
14,339 jobs at 867 employers (2026 Q1); -2.9% jobs and +3.2% average weekly wage over the year
- 63rd pct · 1,172nd of 3,221 US counties · median 8,232
- 85th pct · 16th of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Lyon County, KS | 14,339 jobs · $977/wk · -2.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,297 | $1,303 | 2.86 | -11.7% |
| Retail trade | 1,674 | $565 | 1.20 | -0.7% |
| Health care and social assistance | 1,342 | $842 | 0.62 | +3.4% |
| Accommodation and food services | 1,273 | $339 | 0.99 | +3.7% |
| Wholesale trade | 487 | $1,633 | 0.89 | +6.6% |
| Administrative and waste services | 458 | $918 | 0.56 | -0.9% |
| Construction | 360 | $1,002 | 0.48 | +4.3% |
| Transportation and warehousing | 318 | $1,163 | 0.53 | -15.6% |
| Professional and technical services | 312 | $1,363 | 0.32 | +0.0% |
| Other services | 309 | $576 | 0.72 | +1.0% |
| Finance and insurance | 256 | $1,408 | 0.44 | +3.2% |
| Information | 149 | $847 | 0.56 | -1.3% |
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 #
$817.7 m in deposits at 13 offices of 8 banks (SOD June 2026); HHI 2,316, highly concentrated. $190.0 m federal obligations in FY2026 (direct payments $183.4 m, grants $6.1 m), $13,248 per covered job
| Item | Value | Distance |
|---|---|---|
| ESB Financial | $302.1 m · 36.9% share · 3 offices | |
| The Lyon County State Bank | $183.4 m · 22.4% share · 2 offices | |
| Capitol Federal Savings Bank | $133.1 m · 16.3% share · 1 office | |
| Lyon, KS | $190.0 m FY2026 · $13,248/job | |
| MULTIPLE RECIPIENTS | $167.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| ESB Financial | $302,126,000 | 36.9% | 3 |
| The Lyon County State Bank | $183,383,000 | 22.4% | 2 |
| Capitol Federal Savings Bank | $133,106,000 | 16.3% | 1 |
| Community National Bank & Trust | $89,231,000 | 10.9% | 2 |
| The Citizens State Bank | $49,556,000 | 6.1% | 2 |
| The Bennington State Bank | $39,631,000 | 4.8% | 1 |
| Equity Bank | $14,987,000 | 1.8% | 1 |
| The Citizens State Bank and Trust Company | $5,693,000 | 0.7% | 1 |
Deposit concentration is 2,316 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 36.9² + 22.4² + 16.3² + … (5 more) = 2,316
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 | $148,930,508 |
| Department of Veterans Affairs | $13,032,139 |
| Department of Education | $9,214,203 |
| Department of Agriculture | $7,309,120 |
| Railroad Retirement Board | $5,333,127 |
| Department of Health and Human Services | $3,556,890 |
| Department of Housing and Urban Development | $789,074 |
| Department of Transportation | $699,982 |
| Federal Communications Commission | $298,016 |
| Department of the Interior | $276,675 |
| National Science Foundation | $244,335 |
| National Aeronautics and Space Administration | $147,333 |
That is $13,248 per covered job, against 14,339 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $190.0 m / 14,339 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,248
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 #
Lyon County, KS: 12 findings, 3 at a watch level and 9 noted
watchLyon County, KS' covered employment is -2.9% 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 = -2.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLyon County, KS' typical home value of $192,806 scores 35 on the 0-to-100 scale across US counties but 77 across Kansas counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |35 across US counties - 77 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchLyon County, KS' years of wages of 3.8 scores 41 on the 0-to-100 scale across US counties but 75 across Kansas counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |41 across US counties - 75 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
noteLyon County, KS' average weekly wage was 3.2% 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
- +3.2 % = 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
noteLyon County, KS' covered employment was 2.9% lower 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
- -2.9 % = 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.