Quay County, NM
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.11, -103.55.
Assembled 2026-10-19. Read the brief.
- 2nd pct · 2,987th of 3,063 US counties · median $230,451
- 0th pct · 30th of 30 New Mexico counties · median $216,844
- 5th pct · 2,897th of 3,062 US counties · median +2.9%
- 10th pct · 27th of 30 New Mexico counties · median +1.6%
- US counties: not published this period
- New Mexico counties: not published this period
- 20th pct · 2,547th of 3,221 US counties · median 8,232
- 21st pct · 26th of 33 New Mexico counties · median 8,227
- 14th pct · 2,737th of 3,221 US counties · median $1,039
- 15th pct · 28th of 33 New Mexico counties · median $968
- 5th pct · 2,888th of 3,063 US counties · median 4.2
- 3rd pct · 29th 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 $96,160 (Sep 2026), -3.8% over one year, +3.6% over five
- 2nd pct · 2,987th of 3,063 US counties · median $230,451
- 0th pct · 30th of 30 New Mexico counties · median $216,844
| Item | Value | Distance |
|---|---|---|
| Quay County, NM | $96,160 · -3.8% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- New Mexico counties: not published this period
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 $533 a month on $96,160 at 7.40%, against an average weekly wage worth $3,787 a month: 14.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $96,160 × 80% = $76,928, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $533/mo principal and interest
- wage share = payment / (avg weekly wage $874 × 52 / 12 = $3,787) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $96,160 / ($874 × 52) = 2.1
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 #
2,560 jobs at 322 employers (2026 Q1); +0.2% jobs and +5.2% average weekly wage over the year
- 20th pct · 2,547th of 3,221 US counties · median 8,232
- 21st pct · 26th of 33 New Mexico counties · median 8,227
| Item | Value | Distance |
|---|---|---|
| Quay County, NM | 2,560 jobs · $874/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 460 | $542 | 1.84 | -0.9% |
| Accommodation and food services | 380 | $391 | 1.65 | -8.9% |
| Health care and social assistance | 376 | $1,170 | 0.98 | +3.0% |
| Utilities | 132 | $1,659 | 13.06 | +69.2% |
| Construction | 99 | $924 | 0.74 | +1.0% |
| Finance and insurance | 68 | $1,340 | 0.65 | -4.2% |
| Other services | 54 | $725 | 0.71 | -8.5% |
| Transportation and warehousing | 49 | $819 | 0.45 | +0.0% |
| Administrative and waste services | 24 | $789 | 0.16 | -7.7% |
| Wholesale trade | 13 | $1,732 | 0.13 | +0.0% |
| Real estate and rental | 10 | $1,005 | 0.25 | -9.1% |
| Arts, entertainment and recreation | 5 | $675 | 0.12 | -16.7% |
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 #
D2 severe 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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$309.9 m in deposits at 7 offices of 5 banks (SOD June 2026); HHI 2,230, highly concentrated. $117.7 m federal obligations in FY2026 (direct payments $73.1 m, grants $44.6 m), $45,959 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank | $91.8 m · 29.6% share · 1 office | |
| UMB Bank, National Association | $75.4 m · 24.3% share · 1 office | |
| Wells Fargo Bank, National Association | $59.6 m · 19.2% share · 1 office | |
| Quay, NM | $117.7 m FY2026 · $45,959/job | |
| MULTIPLE RECIPIENTS | $59.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank | $91,781,000 | 29.6% | 1 |
| UMB Bank, National Association | $75,403,000 | 24.3% | 1 |
| Wells Fargo Bank, National Association | $59,557,000 | 19.2% | 1 |
| The Bank of Clovis | $53,962,000 | 17.4% | 3 |
| Tucumcari Federal Savings and Loan Association | $29,227,000 | 9.4% | 1 |
Deposit concentration is 2,230 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 = 29.6² + 24.3² + 19.2² + … (2 more) = 2,230
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 | $50,314,726 |
| Department of Transportation | $41,330,394 |
| Department of Agriculture | $12,303,804 |
| Department of Veterans Affairs | $7,843,544 |
| Department of Health and Human Services | $3,186,814 |
| Railroad Retirement Board | $1,719,509 |
| Department of Education | $751,679 |
| Federal Communications Commission | $205,805 |
| Department of the Interior | $0 |
That is $45,959 per covered job, against 2,560 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $117.7 m / 2,560 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $45,959
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 #
Quay County, NM: 10 findings, 1 at a watch level and 9 noted
watchQuay County, NM's typical home value is -3.8% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -3.8379379752415637 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteQuay County, NM's average weekly wage was 5.2% 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
- +5.2 % = 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
noteQuay County, NM's covered employment was 0.2% 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
- +0.2 % = 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
noteQuay County, NM's typical home value of $96,160 ranks 30th of 30 New Mexico counties, against a median of $216,844.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 30 New Mexico counties that published home.latest
position among the entities that published this metric this period; not an official level
noteQuay County, NM's typical home value of $96,160 ranks 2,987th of 3,063 US counties, against a median of $230,451.
Period 2026-09.Show the arithmetic
- 2 on the 0-to-100 scale across 3063 US counties that published home.latest
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.