Sarpy County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.12, -96.11.
Assembled 2026-10-19. Read the brief.
- 80th pct · 589th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 89 Nebraska counties · median $214,386
- 71st pct · 3rd of 8 counties in the Omaha metro · median $301,510
- 52nd pct · 1,460th of 3,062 US counties · median +2.9%
- 44th pct · 50th of 89 Nebraska counties · median +3.5%
- 28th pct · 6th of 8 counties in the Omaha metro · median +3.1%
- 48th pct · 703rd of 1,358 US counties · median $1,506
- 92nd pct · 2nd of 14 Nebraska counties · median $1,287
- counties in the Omaha metro: only 4 of counties in the Omaha metro published this metric; fewer than 5 is too few to rank
- 89th pct · 349th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 93 Nebraska counties · median 2,151
- 85th pct · 2nd of 8 counties in the Omaha metro · median 7,066
- 75th pct · 787th of 3,221 US counties · median $1,039
- 92nd pct · 8th of 93 Nebraska counties · median $970
- 71st pct · 3rd of 8 counties in the Omaha metro · median $1,143
- 76th pct · 728th of 3,063 US counties · median 4.2
- 88th pct · 11th of 89 Nebraska counties · median 4.0
- 71st pct · 3rd of 8 counties in the Omaha metro · median 5.2
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 $356,669 (Sep 2026), +3.0% over one year, +23.4% over five
- 80th pct · 589th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 89 Nebraska counties · median $214,386
- 71st pct · 3rd of 8 counties in the Omaha metro · median $301,510
| Item | Value | Distance |
|---|---|---|
| Sarpy County, NE | $356,669 · +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 #
Typical rent $1,489/mo (Sep 2026), +0.5% over one year; price-to-rent 20.0
- 48th pct · 703rd of 1,358 US counties · median $1,506
- 92nd pct · 2nd of 14 Nebraska counties · median $1,287
- counties in the Omaha metro: only 4 of counties in the Omaha metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Sarpy County, NE | $1,489/mo · +0.5% 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 $1,976 a month on $356,669 at 7.40%, against an average weekly wage worth $5,183 a month: 38.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $356,669 × 80% = $285,335, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,976/mo principal and interest
- wage share = payment / (avg weekly wage $1,196 × 52 / 12 = $5,183) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $356,669 / ($1,196 × 52) = 5.7
- price-to-rent = $356,669 / ($1,489 × 12) = 20.0
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 #
83,045 jobs at 4,966 employers (2026 Q1); +1.6% jobs and +1.0% average weekly wage over the year
- 89th pct · 349th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 93 Nebraska counties · median 2,151
- 85th pct · 2nd of 8 counties in the Omaha metro · median 7,066
| Item | Value | Distance |
|---|---|---|
| Sarpy County, NE | 83,045 jobs · $1,196/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 10,115 | $1,055 | 2.89 | +4.4% |
| Retail trade | 10,086 | $768 | 1.25 | +0.1% |
| Construction | 9,660 | $1,422 | 2.22 | +7.0% |
| Health care and social assistance | 8,412 | $884 | 0.67 | +8.3% |
| Accommodation and food services | 7,627 | $473 | 1.02 | -2.0% |
| Professional and technical services | 4,564 | $2,057 | 0.80 | +5.6% |
| Manufacturing | 3,771 | $1,392 | 0.56 | +2.6% |
| Administrative and waste services | 2,475 | $1,086 | 0.52 | +8.7% |
| Other services | 2,191 | $810 | 0.88 | +7.3% |
| Management of companies | 2,018 | $1,929 | 1.45 | -2.0% |
| Finance and insurance | 1,707 | $2,232 | 0.50 | -39.8% |
| Arts, entertainment and recreation | 1,255 | $531 | 0.92 | +4.3% |
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 #
$3.4 bn in deposits at 48 offices of 21 banks (SOD June 2026); HHI 1,299, moderately concentrated. $1.6 bn federal obligations in FY2026 (direct payments $1.2 bn, contracts $455.0 m), $19,791 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $808.3 m · 23.7% share · 9 offices | |
| First National Bank of Omaha | $610.6 m · 17.9% share · 4 offices | |
| Associated Bank, National Association | $426.9 m · 12.5% share · 6 offices | |
| Sarpy, NE | $1.6 bn FY2026 · $19,791/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $808,316,000 | 23.7% | 9 |
| First National Bank of Omaha | $610,551,000 | 17.9% | 4 |
| Associated Bank, National Association | $426,949,000 | 12.5% | 6 |
| Wells Fargo Bank, National Association | $375,157,000 | 11.0% | 3 |
| First Interstate Bank | $224,777,000 | 6.6% | 2 |
| Five Points Bank | $200,289,000 | 5.9% | 2 |
| Horizon Bank | $163,906,000 | 4.8% | 1 |
| U.S. Bank National Association | $141,451,000 | 4.1% | 3 |
| BMO Bank National Association | $81,738,000 | 2.4% | 2 |
| Access Bank | $72,795,000 | 2.1% | 1 |
Deposit concentration is 1,299 across 20 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 20 banks with deposits in the county = 23.7² + 17.9² + 12.5² + … (17 more) = 1,299
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 | $765,869,210 |
| Department of Veterans Affairs | $340,800,455 |
| Department of Defense | $247,679,529 |
| General Services Administration | $211,381,655 |
| Railroad Retirement Board | $24,142,332 |
| Department of Education | $22,927,244 |
| Department of Transportation | $17,899,018 |
| Department of Housing and Urban Development | $7,504,111 |
| Department of Agriculture | $3,999,161 |
| Department of Health and Human Services | $3,011,476 |
| Department of the Treasury | $1,555,025 |
| Federal Communications Commission | $845,483 |
That is $19,791 per covered job, against 83,045 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.6 bn / 83,045 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,791
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 #
Sarpy County, NE: 13 findings, 1 at a watch level and 12 noted
watchSarpy County, NE's typical asking rent of $1,489 scores 48 on the 0-to-100 scale across US counties but 92 across Nebraska counties, a gap of 44 points.
Period 2026-09.Show the arithmetic
- 44 = |48 across US counties - 92 across Nebraska counties|
position among the entities that published this metric this period; not an official level
noteSarpy County, NE's covered employment was 1.6% 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
- +1.6 % = 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
noteSarpy County, NE's average weekly wage was 1.0% 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
- +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
noteSarpy County, NE's typical home value rose 0.5% from $354,721 in August 2026 to $356,669 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.5% = (356668.81857544347 - 354720.6946285262) / 354720.6946285262 × 100
- 356668.81857544347 = Zillow ZHVI, 2026-09
- 354720.6946285262 = Zillow ZHVI, 2026-08
noteSarpy County, NE's covered employment of +1.6% ranks 1st of 8 counties in the Omaha metro, against a median of +0.2%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the Omaha metro that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
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.