Bernalillo County, NM
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.05, -106.67.
Assembled 2026-10-19. Read the brief.
- 78th pct · 646th of 3,063 US counties · median $230,451
- 86th pct · 5th of 30 New Mexico counties · median $216,844
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
- 36th pct · 1,943rd of 3,062 US counties · median +2.9%
- 51st pct · 15th of 30 New Mexico counties · median +1.6%
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
- 45th pct · 740th of 1,358 US counties · median $1,506
- 30th pct · 10th of 14 New Mexico counties · median $1,498
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
- 97th pct · 83rd of 3,221 US counties · median 8,232
- 100th pct · 1st of 33 New Mexico counties · median 8,227
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
- 84th pct · 499th of 3,221 US counties · median $1,039
- 90th pct · 4th of 33 New Mexico counties · median $968
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
- 67th pct · 990th of 3,063 US counties · median 4.2
- 65th pct · 11th of 30 New Mexico counties · median 4.2
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque 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 $347,674 (Sep 2026), +1.7% over one year, +28.7% over five
- 78th pct · 646th of 3,063 US counties · median $230,451
- 86th pct · 5th of 30 New Mexico counties · median $216,844
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bernalillo County, NM | $347,674 · +1.7% 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 #
Typical rent $1,452/mo (Sep 2026), +1.4% over one year; price-to-rent 19.9
- 45th pct · 740th of 1,358 US counties · median $1,506
- 30th pct · 10th of 14 New Mexico counties · median $1,498
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bernalillo County, NM | $1,452/mo · +1.4% 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 $1,926 a month on $347,674 at 7.40%, against an average weekly wage worth $5,625 a month: 34.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $347,674 × 80% = $278,139, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,926/mo principal and interest
- wage share = payment / (avg weekly wage $1,298 × 52 / 12 = $5,625) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $347,674 / ($1,298 × 52) = 5.2
- price-to-rent = $347,674 / ($1,452 × 12) = 19.9
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 #
343,770 jobs at 22,593 employers (2026 Q1); -0.7% jobs and +2.2% average weekly wage over the year
- 97th pct · 83rd of 3,221 US counties · median 8,232
- 100th pct · 1st of 33 New Mexico counties · median 8,227
- counties in the Albuquerque metro: Rank context is unavailable: the manifest lists 4 counties in the Albuquerque metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bernalillo County, NM | 343,770 jobs · $1,298/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 56,388 | $1,121 | 1.09 | +4.0% |
| Retail trade | 33,604 | $774 | 1.00 | -2.7% |
| Accommodation and food services | 33,503 | $520 | 1.08 | -0.2% |
| Professional and technical services | 33,031 | $2,369 | 1.39 | -4.5% |
| Construction | 21,669 | $1,373 | 1.20 | -3.3% |
| Administrative and waste services | 21,281 | $936 | 1.09 | -1.9% |
| Transportation and warehousing | 11,737 | $1,035 | 0.81 | +0.1% |
| Manufacturing | 11,555 | $1,379 | 0.42 | +0.4% |
| Finance and insurance | 11,497 | $1,969 | 0.82 | -1.3% |
| Wholesale trade | 10,566 | $1,638 | 0.80 | -0.9% |
| Other services | 9,198 | $970 | 0.90 | -1.8% |
| Educational services | 6,321 | $1,032 | 0.85 | +2.1% |
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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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.
| Site | Reading | Distance |
|---|---|---|
| NICHOLS RESERVOIR NEAR SANTA FE N MEX | 466.5 Acre-ft (USGS, no capacity on file) | 101 km |
| MCCLURE RESERVOIR NEAR SANTA FE N MEX | 1,022 Acre-ft (USGS, no capacity on file) | 103 km |
| NAMBE FALLS RESERVOIR NEAR NAMBE, NM | 1,648 Acre-ft (USGS, no capacity on file) | 112 km |
| BLUEWATER LAKE NEAR BLUEWATER, NM | 2,950 Acre-ft (USGS, no capacity on file) | 134 km |
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 #
90 gauges · 0 flooding · 11 with quality panels averaging 76 % · 67 stale
Sites found: 90, 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-350721106211001 | temp 14.0 °C · quality 50 % (2) · STALE | 30 km |
| JEMEZ RIVER NEAR JEMEZ, NM | flow 21.3 ft³/s · quality 50 % (2) · no flooding | 68 km |
| RIO GRANDE AT HWY 550 BRIDGE AT BERNALILLO, NM | turb. 2,000 FNU · quality 80 % (5) · STALE | 32 km |
| USGS-350359106394410 | stage 4,931 ft · STALE | 2 km |
| USGS-350359106394401 | temp 6.60 °C · quality 100 % (1) · STALE | 2 km |
| USGS-350402106392810 | stage 4,939 ft · STALE | 2 km |
| USGS-350403106392410 | stage 4,938 ft · STALE | 2 km |
| USGS-350145106400810 | stage 4,921 ft · STALE | 3 km |
| USGS-350147106402810 | stage 4,923 ft · STALE | 3 km |
| RIO GRANDE AT RIO BRAVO BRIDGE NEAR ALBUQUERQUE,NM | flow 657.0 ft³/s · STALE | 3 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 #
321 wells in 1 named aquifer: Rio Grande aquifer system
Sites found: 321, 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-350307106410601 | depth 25.1 ft · 2026-10-06 | 1 km |
| USGS-350307106410602 | depth 23.3 ft · 2026-04-21 | 1 km |
| USGS-350353106394301 | depth 8.07 ft · 2011-09-27 | 1 km |
| USGS-350354106394202 | depth 6.33 ft · 2011-09-27 | 1 km |
| USGS-350354106394201 | depth 6.36 ft · 2011-09-27 | 1 km |
| USGS-350256106390801 | depth 24.9 ft · 2026-08-24 | 2 km |
| USGS-350356106393901 | depth 7.56 ft · 2011-09-29 | 2 km |
| USGS-350356106393903 | depth 8.27 ft · 2011-09-29 | 2 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 #
low (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.24 / 0.55
Banks & federal dollars #
$17.1 bn in deposits at 104 offices of 25 banks (SOD June 2026); HHI 1,453, moderately concentrated. $11.7 bn federal obligations in FY2026 (contracts $6.7 bn, direct payments $4.7 bn), $34,109 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $4.8 bn · 28.2% share · 10 offices | |
| Wells Fargo Bank, National Association | $2.9 bn · 16.7% share · 15 offices | |
| BOKF, National Association | $2.4 bn · 14.1% share · 10 offices | |
| Bernalillo, NM | $11.7 bn FY2026 · $34,109/job | |
| NATIONAL TECHNOLOGY & ENGINEERING SOLUTIONS OF SANDIA, LLC | $5.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $4,840,689,000 | 28.2% | 10 |
| Wells Fargo Bank, National Association | $2,858,892,000 | 16.7% | 15 |
| BOKF, National Association | $2,417,576,000 | 14.1% | 10 |
| UMB Bank, National Association | $1,230,622,000 | 7.2% | 6 |
| BMO Bank National Association | $993,050,000 | 5.8% | 15 |
| U.S. Bank National Association | $990,737,000 | 5.8% | 8 |
| WaFd Bank | $912,286,000 | 5.3% | 3 |
| PNC Bank, National Association | $553,886,000 | 3.2% | 7 |
| Sunflower Bank, National Association | $383,978,000 | 2.2% | 2 |
| Capra Bank | $349,948,000 | 2.0% | 1 |
Deposit concentration is 1,453 across 25 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 25 banks with deposits in the county = 28.2² + 16.7² + 14.1² + … (22 more) = 1,453
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 Energy | $5,513,308,038 |
| Social Security Administration | $3,188,053,513 |
| Department of Health and Human Services | $965,043,519 |
| Department of Defense | $713,686,565 |
| Department of Veterans Affairs | $590,447,601 |
| Department of Homeland Security | $177,349,523 |
| Department of Education | $111,518,317 |
| Department of Housing and Urban Development | $99,762,879 |
| Department of the Interior | $88,601,834 |
| Department of Transportation | $77,673,151 |
| Department of Agriculture | $41,655,706 |
| Federal Communications Commission | $38,740,362 |
That is $34,109 per covered job, against 343,770 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $11.7 bn / 343,770 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,109
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 #
Bernalillo County, NM: 10 findings, 1 at a watch level and 9 noted
watchBernalillo County, NM's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteBernalillo County, NM's average weekly wage was 2.2% 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
- +2.2 % = 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
noteBernalillo County, NM's covered employment was 0.7% 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
- -0.7 % = 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
noteBernalillo County, NM's covered employment of 343,770 ranks 1st of 33 New Mexico counties, against a median of 8,227.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 33 New Mexico counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteBernalillo County, NM's covered employment of 343,770 ranks 83rd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
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.