Curry County, NM
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.57, -103.35.
Assembled 2026-10-19. Read the brief.
- 20th pct · 2,423rd of 3,063 US counties · median $230,451
- 20th pct · 24th of 30 New Mexico counties · median $216,844
- 44th pct · 1,714th of 3,062 US counties · median +2.9%
- 58th pct · 13th of 30 New Mexico counties · median +1.6%
- 31st pct · 936th of 1,358 US counties · median $1,506
- 15th pct · 12th of 14 New Mexico counties · median $1,498
- 69th pct · 994th of 3,221 US counties · median 8,232
- 65th pct · 12th of 33 New Mexico counties · median 8,227
- 27th pct · 2,323rd of 3,221 US counties · median $1,039
- 37th pct · 21st of 33 New Mexico counties · median $968
- 27th pct · 2,214th of 3,063 US counties · median 4.2
- 34th pct · 20th of 30 New Mexico counties · median 4.2
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 $159,828 (Sep 2026), +2.4% over one year, +2.3% over five
- 20th pct · 2,423rd of 3,063 US counties · median $230,451
- 20th pct · 24th of 30 New Mexico counties · median $216,844
| Item | Value | Distance |
|---|---|---|
| Curry County, NM | $159,828 · +2.4% 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 $1,305/mo (Sep 2026), +5.6% over one year; price-to-rent 10.2
- 31st pct · 936th of 1,358 US counties · median $1,506
- 15th pct · 12th of 14 New Mexico counties · median $1,498
| Item | Value | Distance |
|---|---|---|
| Curry County, NM | $1,305/mo · +5.6% 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 $885 a month on $159,828 at 7.40%, against an average weekly wage worth $4,086 a month: 21.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $159,828 × 80% = $127,862, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $885/mo principal and interest
- wage share = payment / (avg weekly wage $943 × 52 / 12 = $4,086) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $159,828 / ($943 × 52) = 3.3
- price-to-rent = $159,828 / ($1,305 × 12) = 10.2
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 #
18,188 jobs at 1,328 employers (2026 Q1); -0.1% jobs and +5.0% average weekly wage over the year
- 69th pct · 994th of 3,221 US counties · median 8,232
- 65th pct · 12th of 33 New Mexico counties · median 8,227
| Item | Value | Distance |
|---|---|---|
| Curry County, NM | 18,188 jobs · $943/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,454 | $938 | 1.26 | -1.6% |
| Retail trade | 2,337 | $654 | 1.32 | +3.2% |
| Accommodation and food services | 1,813 | $419 | 1.11 | -4.9% |
| Construction | 1,076 | $1,095 | 1.13 | +2.6% |
| Manufacturing | 750 | $1,317 | 0.51 | -7.2% |
| Transportation and warehousing | 639 | $1,118 | 0.83 | -6.0% |
| Wholesale trade | 476 | $1,007 | 0.68 | +4.6% |
| Administrative and waste services | 470 | $771 | 0.45 | -3.7% |
| Professional and technical services | 460 | $1,356 | 0.37 | +8.7% |
| Finance and insurance | 341 | $1,647 | 0.46 | -3.1% |
| Utilities | 242 | $2,380 | 3.37 | +0.4% |
| Arts, entertainment and recreation | 213 | $281 | 0.71 | +43.0% |
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 #
$1.1 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 1,974, highly concentrated. $340.5 m federal obligations in FY2026 (direct payments $262.0 m, contracts $44.2 m), $18,719 per covered job
| Item | Value | Distance |
|---|---|---|
| The Citizens Bank of Clovis | $374.1 m · 32.6% share · 4 offices | |
| The Bank of Clovis | $269.6 m · 23.5% share · 2 offices | |
| American Heritage Bank | $137.2 m · 12.0% share · 2 offices | |
| Curry, NM | $340.5 m FY2026 · $18,719/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Citizens Bank of Clovis | $374,102,000 | 32.6% | 4 |
| The Bank of Clovis | $269,641,000 | 23.5% | 2 |
| American Heritage Bank | $137,155,000 | 12.0% | 2 |
| U.S. Bank National Association | $96,768,000 | 8.4% | 1 |
| UMB Bank, National Association | $90,773,000 | 7.9% | 1 |
| Wells Fargo Bank, National Association | $87,904,000 | 7.7% | 1 |
| WaFd Bank | $43,313,000 | 3.8% | 1 |
| Western Commerce Bank | $21,792,000 | 1.9% | 1 |
| The James Polk Stone Community Bank | $21,063,000 | 1.8% | 1 |
| First National Bank Texas | $4,340,000 | 0.4% | 1 |
Deposit concentration is 1,974 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 32.6² + 23.5² + 12.0² + … (7 more) = 1,974
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 #
That is $18,719 per covered job, against 18,188 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $340.5 m / 18,188 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,719
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 #
Curry County, NM: 10 findings, 1 at a watch level and 9 noted
watchCurry County, NM's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCurry County, NM's average weekly wage was 5.0% 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
- +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
noteCurry County, NM's typical asking rent rose 1.1% from $1,290 in August 2026 to $1,305 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.1% = (1304.8992869875224 - 1290.2016488598788) / 1290.2016488598788 × 100
- 1304.8992869875224 = Zillow ZORI, 2026-09
- 1290.2016488598788 = Zillow ZORI, 2026-08
noteCurry County, NM's typical home value rose 0.4% from $159,144 in August 2026 to $159,828 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (159827.50898603408 - 159143.81558772817) / 159143.81558772817 × 100
- 159827.50898603408 = Zillow ZHVI, 2026-09
- 159143.81558772817 = Zillow ZHVI, 2026-08
noteCurry County, NM's covered employment was 0.1% 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
- -0.1 % = 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 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.