Washoe County, NV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.73, -119.66.
Assembled 2026-10-19. Read the brief.
- 95th pct · 128th of 3,063 US counties · median $230,451
- 93rd pct · 2nd of 16 Nevada counties · median $363,639
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 41st pct · 1,795th of 3,062 US counties · median +2.9%
- 53rd pct · 8th of 16 Nevada counties · median +1.6%
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 85th pct · 191st of 1,358 US counties · median $1,506
- 57th pct · 4th of 8 Nevada counties · median $1,900
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 95th pct · 138th of 3,221 US counties · median 8,232
- 93rd pct · 2nd of 17 Nevada counties · median 9,161
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 91st pct · 281st of 3,221 US counties · median $1,039
- 62nd pct · 7th of 17 Nevada counties · median $1,424
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
- 91st pct · 256th of 3,063 US counties · median 4.2
- 93rd pct · 2nd of 16 Nevada counties · median 5.1
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
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 $570,399 (Sep 2026), +2.2% over one year, +10.2% over five
- 95th pct · 128th of 3,063 US counties · median $230,451
- 93rd pct · 2nd of 16 Nevada counties · median $363,639
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washoe County, NV | $570,399 · +2.2% 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 $2,069/mo (Sep 2026), +8.2% over one year; price-to-rent 23.0
- 85th pct · 191st of 1,358 US counties · median $1,506
- 57th pct · 4th of 8 Nevada counties · median $1,900
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washoe County, NV | $2,069/mo · +8.2% 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 $3,159 a month on $570,399 at 7.40%, against an average weekly wage worth $6,288 a month: 50.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $570,399 × 80% = $456,319, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,159/mo principal and interest
- wage share = payment / (avg weekly wage $1,451 × 52 / 12 = $6,288) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $570,399 / ($1,451 × 52) = 7.6
- price-to-rent = $570,399 / ($2,069 × 12) = 23.0
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 #
241,740 jobs at 18,445 employers (2026 Q1); +1.1% jobs and +4.7% average weekly wage over the year
- 95th pct · 138th of 3,221 US counties · median 8,232
- 93rd pct · 2nd of 17 Nevada counties · median 9,161
- counties in the Reno metro: Rank context is unavailable: the manifest lists 3 counties in the Reno metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washoe County, NV | 241,740 jobs · $1,451/wk · +1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 31,099 | $677 | 1.43 | +1.0% |
| Health care and social assistance | 29,542 | $1,364 | 0.81 | +1.9% |
| Retail trade | 23,382 | $867 | 0.99 | -1.0% |
| Construction | 22,251 | $1,704 | 1.76 | +4.3% |
| Transportation and warehousing | 18,361 | $1,256 | 1.80 | -3.3% |
| Administrative and waste services | 14,728 | $957 | 1.07 | +6.1% |
| Manufacturing | 13,695 | $1,544 | 0.70 | -0.6% |
| Professional and technical services | 13,559 | $2,122 | 0.81 | +1.5% |
| Wholesale trade | 9,407 | $1,776 | 1.02 | +0.7% |
| Other services | 6,871 | $1,102 | 0.95 | +1.8% |
| Arts, entertainment and recreation | 6,599 | $623 | 1.66 | +0.4% |
| Finance and insurance | 5,641 | $3,554 | 0.57 | -1.5% |
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 #
$15.0 bn in deposits at 71 offices of 16 banks (SOD June 2026); HHI 1,730, moderately concentrated. $4.8 bn federal obligations in FY2026 (direct payments $3.9 bn, contracts $594.1 m), $19,760 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $4.6 bn · 30.5% share · 16 offices | |
| U.S. Bank National Association | $2.9 bn · 19.6% share · 12 offices | |
| Bank of America, National Association | $2.2 bn · 14.8% share · 10 offices | |
| Washoe, NV | $4.8 bn FY2026 · $19,760/job | |
| MULTIPLE RECIPIENTS | $3.8 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $4,582,116,000 | 30.5% | 16 |
| U.S. Bank National Association | $2,949,367,000 | 19.6% | 12 |
| Bank of America, National Association | $2,226,396,000 | 14.8% | 10 |
| Zions Bancorporation, N.A. | $1,155,793,000 | 7.7% | 4 |
| JPMorgan Chase Bank, National Association | $971,520,000 | 6.5% | 9 |
| Western Alliance Bank | $940,609,000 | 6.3% | 3 |
| Glacier Bank | $801,360,000 | 5.3% | 5 |
| Eaglemark Savings Bank | $519,406,000 | 3.5% | 1 |
| Columbia Bank | $502,470,000 | 3.3% | 3 |
| BMO Bank National Association | $173,603,000 | 1.2% | 2 |
Deposit concentration is 1,730 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 30.5² + 19.6² + 14.8² + … (11 more) = 1,730
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 | $2,348,818,628 |
| Department of Health and Human Services | $1,142,457,053 |
| Department of Defense | $416,220,359 |
| Department of Veterans Affairs | $391,914,962 |
| Department of Transportation | $103,511,848 |
| Department of Justice | $63,309,488 |
| Department of Housing and Urban Development | $56,901,972 |
| Department of Education | $53,899,100 |
| National Science Foundation | $41,591,867 |
| Department of Agriculture | $29,320,673 |
| Department of Labor | $27,919,843 |
| Department of Energy | $27,100,217 |
That is $19,760 per covered job, against 241,740 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.8 bn / 241,740 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,760
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 #
Washoe County, NV: 16 findings, 3 at a watch level and 13 noted
watchWashoe County, NV's years of wages of 7.6 ranks 256th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 91.67210973220118 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchWashoe County, NV's typical asking rent is +8.2% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; convention chosen for this dashboard, 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: rent.yoyPct = 8.206279652561184 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchWashoe County, NV's covered employment of +1.1% scores 71 on the 0-to-100 scale across US counties but 34 across Nevada counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |71 across US counties - 34 across Nevada counties|
position among the entities that published this metric this period; not an official level
noteWashoe County, NV's average weekly wage was 4.7% 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
- +4.7 % = 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
noteWashoe County, NV's covered employment was 1.1% 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
- +1.1 % = 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
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.