Cheyenne County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.21, -103.01.
Assembled 2026-10-19. Read the brief.
- 26th pct · 2,258th of 3,063 US counties · median $230,451
- 23rd pct · 68th of 89 Nebraska counties · median $214,386
- 85th pct · 432nd of 3,062 US counties · median +2.9%
- 86th pct · 13th of 89 Nebraska counties · median +3.5%
- US counties: not published this period
- Nebraska counties: not published this period
- 30th pct · 2,224th of 3,221 US counties · median 8,232
- 69th pct · 29th of 93 Nebraska counties · median 2,151
- 26th pct · 2,361st of 3,221 US counties · median $1,039
- 41st pct · 55th of 93 Nebraska counties · median $970
- 34th pct · 2,014th of 3,063 US counties · median 4.2
- 26th pct · 66th of 89 Nebraska counties · median 4.0
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 $172,864 (Sep 2026), +6.7% over one year, +42.7% over five
- 26th pct · 2,258th of 3,063 US counties · median $230,451
- 23rd pct · 68th of 89 Nebraska counties · median $214,386
| Item | Value | Distance |
|---|---|---|
| Cheyenne County, NE | $172,864 · +6.7% 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
- Nebraska 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 $958 a month on $172,864 at 7.40%, against an average weekly wage worth $4,060 a month: 23.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $172,864 × 80% = $138,291, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $958/mo principal and interest
- wage share = payment / (avg weekly wage $937 × 52 / 12 = $4,060) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $172,864 / ($937 × 52) = 3.5
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 #
3,909 jobs at 331 employers (2026 Q1); -0.4% jobs and +3.1% average weekly wage over the year
- 30th pct · 2,224th of 3,221 US counties · median 8,232
- 69th pct · 29th of 93 Nebraska counties · median 2,151
| Item | Value | Distance |
|---|---|---|
| Cheyenne County, NE | 3,909 jobs · $937/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 634 | $630 | 1.66 | +0.8% |
| Manufacturing | 327 | $1,026 | 1.04 | -2.4% |
| Transportation and warehousing | 220 | $1,240 | 1.34 | -19.1% |
| Administrative and waste services | 179 | $659 | 0.81 | -1.6% |
| Wholesale trade | 123 | $1,393 | 0.82 | -3.9% |
| Professional and technical services | 108 | $1,112 | 0.40 | -3.6% |
| Other services | 77 | $898 | 0.66 | -4.9% |
| Construction | 64 | $953 | 0.31 | -5.9% |
| Utilities | 59 | $2,685 | 3.82 | +73.5% |
| Information | 37 | $666 | 0.51 | -9.8% |
| Management of companies | 8 | $2,032 | 0.12 | -27.3% |
| Agriculture, forestry, fishing | 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 #
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 #
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 #
10 gauges · 0 flooding · 0 with quality panels
Sites found: 10, 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 |
|---|---|---|
| North Platte River at Lisco | no flooding | 45 km |
| South Platte River near Crook | no flooding | 45 km |
| Pumpkin Creek near Bridgeport | no flooding | 46 km |
| North Platte River at Bridgeport (Combined, Total Flow) | no flooding | 52 km |
| South Platte River near Julesburg | observation not current | 69 km |
| South Platte River near Julesburg | no readings | 69 km |
| Lodgepole Creek above Oliver Reservoir | no readings | 71 km |
| Blue Creek near Lewellen | no flooding | 71 km |
| Lodgepole Creek at Bushnell, Nebr. | flow 0.68 ft³/s · no flooding | 74 km |
| North Platte River at Lewellen | no flooding | 75 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 #
14 wells in 0 named aquifers:
Sites found: 14, 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-413216102520201 | depth 78.4 ft · 2016-10-03 | 38 km |
| USGS-405039102485601 | level 3,711 ft · 2018-11-05 | 44 km |
| USGS-405159102444201 | level 3,678 ft · 2018-11-05 | 45 km |
| USGS-404450103013501 | level 3,819 ft · 2018-11-05 | 52 km |
| USGS-405801102284501 | level 3,587 ft · 2018-11-05 | 53 km |
| USGS-413455102370701 | depth 330.2 ft · 2016-10-04 | 53 km |
| USGS-404320103053801 | level 3,852 ft · 2018-11-05 | 55 km |
| USGS-404106103082201 | level 3,880 ft · 2018-11-05 | 60 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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$482.8 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 2,726, highly concentrated. $76.4 m federal obligations in FY2026 (direct payments $72.1 m, grants $3.5 m), $19,545 per covered job
| Item | Value | Distance |
|---|---|---|
| Platte Valley Bank | $154.6 m · 32.0% share · 3 offices | |
| Points West Community Bank | $140.6 m · 29.1% share · 3 offices | |
| Security First Bank | $133.4 m · 27.6% share · 1 office | |
| Cheyenne, NE | $76.4 m FY2026 · $19,545/job | |
| MULTIPLE RECIPIENTS | $64.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Platte Valley Bank | $154,610,000 | 32.0% | 3 |
| Points West Community Bank | $140,603,000 | 29.1% | 3 |
| Security First Bank | $133,394,000 | 27.6% | 1 |
| Sidney Federal Savings and Loan Association | $44,571,000 | 9.2% | 1 |
| Adams Bank & Trust | $9,653,000 | 2.0% | 1 |
Deposit concentration is 2,726 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 32.0² + 29.1² + 27.6² + … (2 more) = 2,726
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 | $54,807,093 |
| Department of Veterans Affairs | $7,639,840 |
| Department of Agriculture | $7,023,383 |
| Department of Transportation | $3,443,130 |
| Railroad Retirement Board | $2,252,481 |
| Department of Energy | $677,945 |
| Department of Housing and Urban Development | $372,779 |
| Department of Defense | $96,654 |
| Federal Communications Commission | $38,103 |
| Department of State | $28,372 |
| Department of Education | $20,671 |
That is $19,545 per covered job, against 3,909 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $76.4 m / 3,909 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,545
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 #
Cheyenne County, NE: 7 findings, 2 at a watch level and 5 noted
watchCheyenne County, NE's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCheyenne County, NE's covered employment of 3,909 scores 31 on the 0-to-100 scale across US counties but 70 across Nebraska counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |31 across US counties - 70 across Nebraska counties|
position among the entities that published this metric this period; not an official level
noteCheyenne County, NE's average weekly wage was 3.1% 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
- +3.1 % = 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
noteCheyenne County, NE's covered employment was 0.4% 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
- -0.4 % = 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
noteCheyenne County, NE's typical home value rose 0.3% from $172,263 in August 2026 to $172,864 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (172864.20115743935 - 172262.66280039473) / 172262.66280039473 × 100
- 172864.20115743935 = Zillow ZHVI, 2026-09
- 172262.66280039473 = Zillow ZHVI, 2026-08
Read all 7 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.