Churchill County, NV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.54, -118.26.
Assembled 2026-10-19. Read the brief.
- 85th pct · 449th of 3,063 US counties · median $230,451
- 60th pct · 7th of 16 Nevada counties · median $363,639
- 49th pct · 1,543rd of 3,062 US counties · median +2.9%
- 80th pct · 4th of 16 Nevada counties · median +1.6%
- 59th pct · 550th of 1,358 US counties · median $1,506
- 14th pct · 7th of 8 Nevada counties · median $1,900
- 52nd pct · 1,523rd of 3,221 US counties · median 8,232
- 50th pct · 9th of 17 Nevada counties · median 9,161
- 84th pct · 505th of 3,221 US counties · median $1,039
- 18th pct · 14th of 17 Nevada counties · median $1,424
- 77th pct · 678th of 3,063 US counties · median 4.2
- 66th pct · 6th of 16 Nevada counties · median 5.1
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 $392,106 (Sep 2026), +2.8% over one year, +16.6% over five
- 85th pct · 449th of 3,063 US counties · median $230,451
- 60th pct · 7th of 16 Nevada counties · median $363,639
| Item | Value | Distance |
|---|---|---|
| Churchill County, NV | $392,106 · +2.8% 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 $1,621/mo (Sep 2026), n/a over one year; price-to-rent 20.2
- 59th pct · 550th of 1,358 US counties · median $1,506
- 14th pct · 7th of 8 Nevada counties · median $1,900
| Item | Value | Distance |
|---|---|---|
| Churchill County, NV | $1,621/mo · n/a 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 $2,172 a month on $392,106 at 7.40%, against an average weekly wage worth $5,607 a month: 38.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $392,106 × 80% = $313,685, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,172/mo principal and interest
- wage share = payment / (avg weekly wage $1,294 × 52 / 12 = $5,607) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $392,106 / ($1,294 × 52) = 5.8
- price-to-rent = $392,106 / ($1,621 × 12) = 20.2
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 #
9,161 jobs at 662 employers (2026 Q1); +3.1% jobs and +4.5% average weekly wage over the year
- 52nd pct · 1,523rd of 3,221 US counties · median 8,232
- 50th pct · 9th of 17 Nevada counties · median 9,161
| Item | Value | Distance |
|---|---|---|
| Churchill County, NV | 9,161 jobs · $1,294/wk · +3.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,001 | $699 | 1.12 | -2.7% |
| Construction | 999 | $1,625 | 2.08 | +19.6% |
| Health care and social assistance | 985 | $1,282 | 0.71 | +0.4% |
| Transportation and warehousing | 939 | $2,258 | 2.43 | +12.1% |
| Accommodation and food services | 781 | $470 | 0.95 | -3.5% |
| Manufacturing | 511 | $1,937 | 0.69 | -1.9% |
| Professional and technical services | 489 | $1,778 | 0.77 | +7.2% |
| Agriculture, forestry, fishing | 312 | $820 | 4.72 | -1.9% |
| Arts, entertainment and recreation | 242 | $628 | 1.60 | +1.3% |
| Administrative and waste services | 216 | $1,140 | 0.41 | +14.9% |
| Wholesale trade | 164 | $1,016 | 0.47 | +7.9% |
| Other services | 154 | $768 | 0.56 | -5.5% |
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 #
D1 moderate 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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$539.3 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,650, highly concentrated. $394.9 m federal obligations in FY2026 (direct payments $193.9 m, contracts $161.5 m), $43,111 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $201.1 m · 37.3% share · 1 office | |
| Western Alliance Bank | $143.7 m · 26.7% share · 1 office | |
| U.S. Bank National Association | $112.0 m · 20.8% share · 1 office | |
| Churchill, NV | $394.9 m FY2026 · $43,111/job | |
| MULTIPLE RECIPIENTS | $189.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $201,114,000 | 37.3% | 1 |
| Western Alliance Bank | $143,733,000 | 26.7% | 1 |
| U.S. Bank National Association | $111,991,000 | 20.8% | 1 |
| WaFd Bank | $44,249,000 | 8.2% | 1 |
| Zions Bancorporation, N.A. | $38,221,000 | 7.1% | 1 |
Deposit concentration is 2,650 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 = 37.3² + 26.7² + 20.8² + … (2 more) = 2,650
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 Defense | $153,513,928 |
| Social Security Administration | $130,896,867 |
| Department of Veterans Affairs | $58,241,882 |
| Department of Transportation | $33,910,002 |
| Department of the Interior | $9,517,222 |
| Department of Housing and Urban Development | $2,504,917 |
| Department of Agriculture | $2,333,567 |
| Department of Education | $894,077 |
| Department of Health and Human Services | $779,685 |
| Department of Justice | $659,749 |
| Environmental Protection Agency | $657,897 |
| Railroad Retirement Board | $605,738 |
That is $43,111 per covered job, against 9,161 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $394.9 m / 9,161 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $43,111
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 #
Churchill County, NV: 11 findings, 4 at a watch level and 7 noted
watchChurchill County, NV's typical asking rent rose 6.3% from $1,524 in August 2026 to $1,621 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +6.3% = (1620.8333333333333 - 1524.440316942683) / 1524.440316942683 × 100
- 1620.8333333333333 = Zillow ZORI, 2026-09
- 1524.440316942683 = Zillow ZORI, 2026-08
watchChurchill County, NV's average weekly wage of $1,294 scores 84 on the 0-to-100 scale across US counties but 19 across Nevada counties, a gap of 66 points.
Period 2026 Q1.Show the arithmetic
- 66 = |84 across US counties - 19 across Nevada counties|
position among the entities that published this metric this period; not an official level
watchChurchill County, NV's typical asking rent of $1,621 scores 60 on the 0-to-100 scale across US counties but 14 across Nevada counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |60 across US counties - 14 across Nevada counties|
position among the entities that published this metric this period; not an official level
watchChurchill County, NV's typical home value of +2.8% scores 50 on the 0-to-100 scale across US counties but 80 across Nevada counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |50 across US counties - 80 across Nevada counties|
position among the entities that published this metric this period; not an official level
noteChurchill County, NV's average weekly wage was 4.5% 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
- +4.5 % = 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 11 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.