Trego County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.92, -99.87.
Assembled 2026-10-19. Read the brief.
- 11th pct · 2,700th of 3,063 US counties · median $230,451
- 40th pct · 63rd of 105 Kansas counties · median $148,146
- 7th pct · 2,847th of 3,062 US counties · median +2.9%
- 4th pct · 100th of 105 Kansas counties · median +4.1%
- US counties: not published this period
- Kansas counties: not published this period
- 6th pct · 3,002nd of 3,221 US counties · median 8,232
- 20th pct · 84th of 105 Kansas counties · median 2,554
- 18th pct · 2,617th of 3,221 US counties · median $1,039
- 32nd pct · 71st of 105 Kansas counties · median $943
- 19th pct · 2,474th of 3,063 US counties · median 4.2
- 45th pct · 58th 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 $136,189 (Sep 2026), -3.0% over one year, +21.1% over five
- 11th pct · 2,700th of 3,063 US counties · median $230,451
- 40th pct · 63rd of 105 Kansas counties · median $148,146
| Item | Value | Distance |
|---|---|---|
| Trego County, KS | $136,189 · -3.0% 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 $754 a month on $136,189 at 7.40%, against an average weekly wage worth $3,891 a month: 19.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $136,189 × 80% = $108,951, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $754/mo principal and interest
- wage share = payment / (avg weekly wage $898 × 52 / 12 = $3,891) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $136,189 / ($898 × 52) = 2.9
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 #
1,009 jobs at 129 employers (2026 Q1); -0.8% jobs and +5.8% average weekly wage over the year
- 6th pct · 3,002nd of 3,221 US counties · median 8,232
- 20th pct · 84th of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Trego County, KS | 1,009 jobs · $898/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 145 | $1,603 | 3.75 | +4.3% |
| Retail trade | 88 | $550 | 0.89 | +8.6% |
| Manufacturing | 40 | $740 | 0.49 | -2.4% |
| Health care and social assistance | 26 | $625 | 0.17 | +0.0% |
| Construction | 15 | $763 | 0.28 | +0.0% |
| Finance and insurance | 15 | $877 | 0.36 | +0.0% |
| Other services | 15 | $586 | 0.50 | -31.8% |
| Information | 9 | $1,635 | 0.48 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Transportation and warehousing | 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 #
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 #
$133.1 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,827, highly concentrated. $31.7 m federal obligations in FY2026 (direct payments $30.3 m, grants $1.4 m), $31,412 per covered job
| Item | Value | Distance |
|---|---|---|
| SOLUTIONS NORTH BANK | $64.6 m · 48.5% share · 1 office | |
| Lyons Federal Bank | $45.6 m · 34.3% share · 1 office | |
| Outdoor Bank | $22.8 m · 17.2% share · 1 office | |
| Trego, KS | $31.7 m FY2026 · $31,412/job | |
| MULTIPLE RECIPIENTS | $20.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| SOLUTIONS NORTH BANK | $64,588,000 | 48.5% | 1 |
| Lyons Federal Bank | $45,640,000 | 34.3% | 1 |
| Outdoor Bank | $22,826,000 | 17.2% | 1 |
Deposit concentration is 3,827 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 48.5² + 34.3² + 17.2² = 3,827
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 | $18,430,289 |
| Department of Agriculture | $9,939,403 |
| Department of Veterans Affairs | $1,828,569 |
| Department of Transportation | $1,387,542 |
| Department of Education | $35,957 |
| Department of Housing and Urban Development | $33,956 |
| Railroad Retirement Board | $31,317 |
| Federal Communications Commission | $7,218 |
| Small Business Administration | $0 |
That is $31,412 per covered job, against 1,009 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $31.7 m / 1,009 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,412
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 #
Trego County, KS: 10 findings, 2 at a watch level and 8 noted
watchTrego County, KS' typical home value is -3.0% 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 = -3.004833280706086 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchTrego County, KS' covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTrego County, KS' average weekly wage was 5.8% 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
- +5.8 % = 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
noteTrego County, KS' covered employment was 0.8% 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
- -0.8 % = 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
noteTrego County, KS' typical home value rose 0.4% from $135,592 in August 2026 to $136,189 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (136188.70115426267 - 135591.9680545911) / 135591.9680545911 × 100
- 136188.70115426267 = Zillow ZHVI, 2026-09
- 135591.9680545911 = Zillow ZHVI, 2026-08
Read all 10 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.