Santa Fe County, NM
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.51, -105.96.
Assembled 2026-10-19. Read the brief.
- 95th pct · 150th of 3,063 US counties · median $230,451
- 96th pct · 2nd of 30 New Mexico counties · median $216,844
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
- 27th pct · 2,215th of 3,062 US counties · median +2.9%
- 44th pct · 17th of 30 New Mexico counties · median +1.6%
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
- 81st pct · 257th of 1,358 US counties · median $1,506
- 84th pct · 3rd of 14 New Mexico counties · median $1,498
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
- 86th pct · 437th of 3,221 US counties · median 8,232
- 93rd pct · 3rd of 33 New Mexico counties · median 8,227
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
- 77th pct · 723rd of 3,221 US counties · median $1,039
- 87th pct · 5th of 33 New Mexico counties · median $968
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
- 95th pct · 148th of 3,063 US counties · median 4.2
- 96th pct · 2nd of 30 New Mexico counties · median 4.2
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe 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 $548,874 (Sep 2026), +0.8% over one year, +15.6% over five
- 95th pct · 150th of 3,063 US counties · median $230,451
- 96th pct · 2nd of 30 New Mexico counties · median $216,844
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Santa Fe County, NM | $548,874 · +0.8% 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 $1,953/mo (Sep 2026), +0.6% over one year; price-to-rent 23.4
- 81st pct · 257th of 1,358 US counties · median $1,506
- 84th pct · 3rd of 14 New Mexico counties · median $1,498
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Santa Fe County, NM | $1,953/mo · +0.6% 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 $3,040 a month on $548,874 at 7.40%, against an average weekly wage worth $5,248 a month: 57.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $548,874 × 80% = $439,099, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,040/mo principal and interest
- wage share = payment / (avg weekly wage $1,211 × 52 / 12 = $5,248) = 58% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $548,874 / ($1,211 × 52) = 8.7
- price-to-rent = $548,874 / ($1,953 × 12) = 23.4
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 #
61,569 jobs at 6,597 employers (2026 Q1); +0.2% jobs and +4.1% average weekly wage over the year
- 86th pct · 437th of 3,221 US counties · median 8,232
- 93rd pct · 3rd of 33 New Mexico counties · median 8,227
- counties in the Santa Fe metro: Rank context is unavailable: the manifest lists 1 counties in the Santa Fe metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Santa Fe County, NM | 61,569 jobs · $1,211/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 9,326 | $671 | 1.69 | +0.5% |
| Health care and social assistance | 8,621 | $1,342 | 0.93 | +1.9% |
| Retail trade | 8,190 | $822 | 1.36 | +0.0% |
| Construction | 3,038 | $1,068 | 0.94 | +2.2% |
| Professional and technical services | 2,695 | $1,858 | 0.63 | -7.5% |
| Other services | 2,449 | $1,180 | 1.33 | -1.7% |
| Educational services | 2,123 | $1,070 | 1.60 | +2.0% |
| Administrative and waste services | 1,937 | $934 | 0.55 | +11.0% |
| Arts, entertainment and recreation | 1,789 | $953 | 1.77 | -1.4% |
| Finance and insurance | 1,437 | $2,552 | 0.57 | +0.1% |
| Wholesale trade | 819 | $1,568 | 0.35 | -5.5% |
| Real estate and rental | 789 | $1,150 | 0.84 | +9.4% |
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 #
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 | 466.7 Acre-ft (USGS, no capacity on file) | 21 km |
| MCCLURE RESERVOIR NEAR SANTA FE N MEX | 1,021 Acre-ft (USGS, no capacity on file) | 22 km |
| NAMBE FALLS RESERVOIR NEAR NAMBE, NM | 1,648 Acre-ft (USGS, no capacity on file) | 37 km |
| EAGLE NEST LAKE NR EAGLE NEST, NM | 20,870 Acre-ft (USGS, no capacity on file) | 131 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 #
99 gauges · 0 flooding · 18 with quality panels averaging 80 % · 58 stale
Sites found: 99, 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 | 56 km |
| USGS-355410106371510 | DO 9.00 mg/l · quality 50 % (4) · STALE | 73 km |
| RIO GRANDE AT HWY 550 BRIDGE AT BERNALILLO, NM | turb. 2,000 FNU · quality 80 % (5) · STALE | 58 km |
| JEMEZ RIVER NEAR JEMEZ, NM | flow 23.4 ft³/s · quality 50 % (2) | 72 km |
| ARROYO HONDO NEAR SANTA FE, NM | flow 0.00 ft³/s · STALE | 13 km |
| SANTA FE RIVER NEAR SANTA FE, NM | flow 29.3 ft³/s | 22 km |
| SANTA FE RIVER ABOVE MCCLURE RES, NR SANTA FE, NM | flow 4.00 ft³/s | 23 km |
| GALISTEO CREEK BELOW GALISTEO DAM, NM | flow 0.01 ft³/s | 23 km |
| SANTA FE RIVER ABOVE COCHITI LAKE, NM | flow 50.0 ft³/s | 24 km |
| LITTLE TESUQUE CR AT BISHOPS LODGE NR SANTA FE, NM | flow 0.00 ft³/s · STALE | 25 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 #
138 wells in 0 named aquifers:
Sites found: 138, 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-353348106025102 | depth 123.1 ft · 2020-08-02 | 9 km |
| USGS-353348106025101 | depth 70.0 ft · 2026-08-19 | 9 km |
| USGS-353348106025103 | depth 200.3 ft · 2020-03-16 | 9 km |
| USGS-353825105594703 | depth 161.4 ft · 2019-06-26 | 14 km |
| USGS-353825105594701 | depth 207.8 ft · 2018-11-12 | 14 km |
| USGS-353825105594702 | depth 192.5 ft · 2019-06-26 | 14 km |
| USGS-353945105574502 | depth 220.1 ft · 2026-08-19 | 16 km |
| USGS-353945105574501 | depth 174.0 ft · 2026-08-19 | 16 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 #
moderate (0.39)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.20 / 0.55
Banks & federal dollars #
$4.8 bn in deposits at 30 offices of 11 banks (SOD June 2026); HHI 1,569, moderately concentrated. $2.4 bn federal obligations in FY2026 (direct payments $1.2 bn, grants $1.1 bn), $39,330 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $1.3 bn · 27.6% share · 5 offices | |
| Enterprise Bank & Trust | $658.5 m · 13.6% share · 3 offices | |
| Bank of America, National Association | $646.9 m · 13.4% share · 3 offices | |
| Santa Fe, NM | $2.4 bn FY2026 · $39,330/job | |
| MULTIPLE RECIPIENTS | $1.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $1,337,769,000 | 27.6% | 5 |
| Enterprise Bank & Trust | $658,541,000 | 13.6% | 3 |
| Bank of America, National Association | $646,888,000 | 13.4% | 3 |
| Century Bank | $636,744,000 | 13.1% | 5 |
| Sunflower Bank, National Association | $632,918,000 | 13.1% | 4 |
| UMB Bank, National Association | $364,387,000 | 7.5% | 2 |
| U.S. Bank National Association | $269,530,000 | 5.6% | 3 |
| First-Citizens Bank & Trust Company | $130,282,000 | 2.7% | 1 |
| WaFd Bank | $74,111,000 | 1.5% | 2 |
| JPMorgan Chase Bank, National Association | $49,658,000 | 1.0% | 1 |
Deposit concentration is 1,569 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 27.6² + 13.6² + 13.4² + … (8 more) = 1,569
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 | $1,056,058,321 |
| Department of Homeland Security | $625,890,558 |
| Department of Education | $390,069,242 |
| Department of Veterans Affairs | $104,290,800 |
| Department of Health and Human Services | $92,662,278 |
| Department of the Interior | $43,511,536 |
| Department of Housing and Urban Development | $39,957,493 |
| Department of Transportation | $36,272,194 |
| Department of Agriculture | $25,969,845 |
| Department of Energy | $3,182,635 |
| Department of Defense | $2,674,704 |
| Railroad Retirement Board | $2,044,813 |
That is $39,330 per covered job, against 61,569 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.4 bn / 61,569 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $39,330
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 #
Santa Fe County, NM: 10 findings, 1 at a watch level and 9 noted
watchSanta Fe County, NM's years of wages of 8.7 ranks 148th 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 = 95.19921619856304 >= 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
noteSanta Fe County, NM's average weekly wage was 4.1% 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
- +4.1 % = 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
noteSanta Fe 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
noteSanta Fe County, NM's price-to-rent ratio of 23.4 ranks 1st of 14 New Mexico counties, against a median of 14.9.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 14 New Mexico counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteSanta Fe County, NM's typical home value of $548,874 ranks 2nd of 30 New Mexico counties, against a median of $216,844.
Period 2026-09.Show the arithmetic
- 97 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
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.