Rawlins County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.79, -101.08.
Assembled 2026-10-19. Read the brief.
- 8th pct · 2,794th of 3,063 US counties · median $230,451
- 33rd pct · 70th of 105 Kansas counties · median $148,146
- 68th pct · 975th of 3,062 US counties · median +2.9%
- 52nd pct · 50th of 105 Kansas counties · median +4.1%
- US counties: not published this period
- Kansas counties: not published this period
- 6th pct · 3,003rd of 3,221 US counties · median 8,232
- 19th pct · 85th of 105 Kansas counties · median 2,554
- 16th pct · 2,703rd of 3,221 US counties · median $1,039
- 26th pct · 77th of 105 Kansas counties · median $943
- 15th pct · 2,575th of 3,063 US counties · median 4.2
- 38th pct · 65th 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 $125,993 (Sep 2026), +4.4% over one year, +18.3% over five
- 8th pct · 2,794th of 3,063 US counties · median $230,451
- 33rd pct · 70th of 105 Kansas counties · median $148,146
| Item | Value | Distance |
|---|---|---|
| Rawlins County, KS | $125,993 · +4.4% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Kansas counties: not published this period
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 $698 a month on $125,993 at 7.40%, against an average weekly wage worth $3,822 a month: 18.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $125,993 × 80% = $100,794, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $698/mo principal and interest
- wage share = payment / (avg weekly wage $882 × 52 / 12 = $3,822) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $125,993 / ($882 × 52) = 2.7
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 #
1,001 jobs at 128 employers (2026 Q1); +2.9% jobs and +3.0% average weekly wage over the year
- 6th pct · 3,003rd of 3,221 US counties · median 8,232
- 19th pct · 85th of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Rawlins County, KS | 1,001 jobs · $882/wk · +2.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 151 | $1,394 | 3.94 | +2.7% |
| Health care and social assistance | 113 | $722 | 0.75 | +15.3% |
| Manufacturing | 84 | $1,058 | 1.04 | +0.0% |
| Retail trade | 80 | $403 | 0.82 | -8.0% |
| Agriculture, forestry, fishing | 55 | $1,002 | 7.61 | +1.9% |
| Construction | 45 | $1,467 | 0.86 | -18.2% |
| Other services | 18 | $462 | 0.60 | +5.9% |
| Information | 13 | $639 | 0.70 | +30.0% |
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
18 gauges · 0 flooding · 0 with quality panels · 7 stale
Sites found: 18, 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.
| Site | Reading | Distance |
|---|---|---|
| BEAVER C AT LUDELL, KS | flow 0.00 ft³/s · observation not current · STALE | 12 km |
| SF SAPPA C NR ACHILLES, KS | flow 0.05 ft³/s · STALE | 33 km |
| Republican River at Stratton, Nebr. | flow 0.08 ft³/s · no flooding | 42 km |
| REPUBLICAN RIVER AT TRENTON, NEBR. | flow 1.30 ft³/s · STALE | 42 km |
| SAPPA C NR OBERLIN, KS | flow 0.00 ft³/s · observation not current · STALE | 46 km |
| South Fork Republican River near Benkelman, Nebr. | flow 0.00 ft³/s · no flooding | 47 km |
| Republican River at Benkelman, Nebr. | flow 24.3 ft³/s · no flooding | 48 km |
| BEAVER C AT CEDAR BLUFFS, KS | flow 0.00 ft³/s · no flooding | 49 km |
| Frenchman Creek at Culbertson, Nebr. | flow 13.9 ft³/s · no flooding | 53 km |
| Driftwood Creek near McCook, Nebr. | flow 1.95 ft³/s · no flooding | 53 km |
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 #
3 wells in 0 named aquifers:
Sites found: 3, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-400852101352701 | depth 141.8 ft · 2016-11-27 | 60 km |
| USGS-400155101521302 | depth 17.3 ft · 2024-10-15 | 73 km |
| USGS-401703101394801 | depth 84.6 ft · 2016-11-27 | 75 km |
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 #
$205.3 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 3,098, highly concentrated. $36.7 m federal obligations in FY2026 (direct payments $34.6 m, grants $2.1 m), $36,695 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers Bank & Trust | $89.0 m · 43.3% share · 1 office | |
| The Bank | $59.1 m · 28.8% share · 1 office | |
| Outdoor Bank | $30.8 m · 15.0% share · 1 office | |
| Rawlins, KS | $36.7 m FY2026 · $36,695/job | |
| REDACTED DUE TO PII | $20.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers Bank & Trust | $88,985,000 | 43.3% | 1 |
| The Bank | $59,085,000 | 28.8% | 1 |
| Outdoor Bank | $30,815,000 | 15.0% | 1 |
| Farmers National Bank | $26,391,000 | 12.9% | 1 |
Deposit concentration is 3,098 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 43.3² + 28.8² + 15.0² + … (1 more) = 3,098
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 |
|---|---|
| Department of Agriculture | $19,989,517 |
| Social Security Administration | $13,666,645 |
| Department of Transportation | $1,671,533 |
| Department of Veterans Affairs | $715,791 |
| Department of Housing and Urban Development | $388,100 |
| Railroad Retirement Board | $202,340 |
| Federal Communications Commission | $65,611 |
| Department of Education | $31,843 |
That is $36,695 per covered job, against 1,001 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $36.7 m / 1,001 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,695
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 #
Rawlins County, KS: 8 findings, 8 noted
noteRawlins County, KS' average weekly wage was 3.0% 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 % = 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
noteRawlins County, KS' covered employment was 2.9% 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
- +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
noteRawlins County, KS' typical home value fell 0.4% from $126,554 in August 2026 to $125,993 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.4% = (125992.87767366583 - 126554.30232005334) / 126554.30232005334 × 100
- 125992.87767366583 = Zillow ZHVI, 2026-09
- 126554.30232005334 = Zillow ZHVI, 2026-08
noteRawlins County, KS' covered employment of 1,001 ranks 3,003rd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteRawlins County, KS' momentum index of 0.64 ranks 271st of 3,221 US counties, against a median of 0.23.
Period 2026-09.Show the arithmetic
- 92 on the 0-to-100 scale across 3221 US counties that published momentum
- 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
Read all 8 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.