Cache County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.73, -111.75.
Assembled 2026-10-19. Read the brief.
- 91st pct · 247th of 3,063 US counties · median $230,451
- 62nd pct · 11th of 28 Utah counties · median $445,634
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
- 52nd pct · 1,465th of 3,062 US counties · median +2.9%
- 55th pct · 13th of 28 Utah counties · median +2.5%
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
- 44th pct · 756th of 1,358 US counties · median $1,506
- 14th pct · 13th of 15 Utah counties · median $1,741
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
- 86th pct · 429th of 3,221 US counties · median 8,232
- 82nd pct · 6th of 29 Utah counties · median 8,951
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
- 53rd pct · 1,497th of 3,221 US counties · median $1,039
- 53rd pct · 14th of 29 Utah counties · median $1,042
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
- 94th pct · 162nd of 3,063 US counties · median 4.2
- 62nd pct · 11th of 28 Utah counties · median 8.1
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan 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 $470,352 (Sep 2026), +3.0% over one year, +16.4% over five
- 91st pct · 247th of 3,063 US counties · median $230,451
- 62nd pct · 11th of 28 Utah counties · median $445,634
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cache County, UT | $470,352 · +3.0% 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 $1,441/mo (Sep 2026), +2.2% over one year; price-to-rent 27.2
- 44th pct · 756th of 1,358 US counties · median $1,506
- 14th pct · 13th of 15 Utah counties · median $1,741
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cache County, UT | $1,441/mo · +2.2% 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 $2,605 a month on $470,352 at 7.40%, against an average weekly wage worth $4,567 a month: 57.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $470,352 × 80% = $376,281, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,605/mo principal and interest
- wage share = payment / (avg weekly wage $1,054 × 52 / 12 = $4,567) = 57% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $470,352 / ($1,054 × 52) = 8.6
- price-to-rent = $470,352 / ($1,441 × 12) = 27.2
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 #
63,272 jobs at 4,506 employers (2026 Q1); +0.3% jobs and +2.7% average weekly wage over the year
- 86th pct · 429th of 3,221 US counties · median 8,232
- 82nd pct · 6th of 29 Utah counties · median 8,951
- counties in the Logan metro: Rank context is unavailable: the manifest lists 2 counties in the Logan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cache County, UT | 63,272 jobs · $1,054/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 12,339 | $1,318 | 2.42 | +2.2% |
| Health care and social assistance | 7,408 | $913 | 0.78 | +0.5% |
| Retail trade | 7,051 | $673 | 1.14 | -2.5% |
| Professional and technical services | 5,982 | $1,587 | 1.37 | +2.4% |
| Accommodation and food services | 4,467 | $369 | 0.79 | +0.8% |
| Construction | 3,553 | $1,012 | 1.07 | -1.7% |
| Administrative and waste services | 1,686 | $675 | 0.47 | -9.4% |
| Wholesale trade | 1,518 | $1,247 | 0.63 | -1.6% |
| Other services | 1,211 | $722 | 0.64 | -2.7% |
| Finance and insurance | 1,179 | $1,604 | 0.46 | -0.5% |
| Arts, entertainment and recreation | 1,095 | $322 | 1.05 | +12.0% |
| Transportation and warehousing | 879 | $983 | 0.33 | -2.3% |
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| BEAR LAKE AT STATE PARK MARINA NR GARDEN CITY, UT | 5,912 ft (USGS, no capacity on file) | 39 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 #
60 gauges · 0 flooding · 12 with quality panels averaging 94 % · 27 stale
Sites found: 60, 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 |
|---|---|---|
| BEAR RIVER NEAR CORINNE, UT | flow 531.0 ft³/s · quality 50 % (2) · observation not current | 34 km |
| USGS-412523112153801 | DO 11.5 mg/l · quality 75 % (4) · STALE | 55 km |
| CACHE HIGHLINE CANAL NEAR LOGAN, UTAH | flow 0.00 ft³/s | 2 km |
| LOGAN RIVER ABOVE STATE DAM, NEAR LOGAN, UT | flow 74.0 ft³/s · no flooding | 3 km |
| COM F LOGAN R AB ST D AND CACHE HL CAN NR LOGAN UT | flow 74.0 ft³/s | 3 km |
| BLACKSMITH FORK AB UP and L CO.'S DAM NR HYRUM, UT | flow 51.6 ft³/s | 12 km |
| Blacksmith Fork River near Hyrum | no flooding | 12 km |
| LOGAN,HYDE PK,& SMITHFIELD CNL.NR. SMITHFIELD,UT | flow 8.50 ft³/s · STALE | 13 km |
| SUMMIT CREEK AT MOUTH NEAR SMITHFIELD, UT | stage 4.65 ft | 16 km |
| Little Bear River at Hyrum | observation not current | 16 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-413805111492201 | depth 63.6 ft · 2025-12-30 | 13 km |
| USGS-420011111485501 | depth 20.9 ft · 1990-03-12 | 30 km |
| USGS-414236112101201 | depth 22.0 ft · 2024-08-26 | 35 km |
| USGS-411544111461001 | depth 31.4 ft · 2026-10-18 | 53 km |
| USGS-411348112013601 | depth 34.0 ft · 2026-10-18 | 61 km |
| USGS-411322112001101 | depth 40.1 ft · 1980-04-15 | 61 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 (0.18)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.06 / 0.55
Banks & federal dollars #
$3.3 bn in deposits at 24 offices of 10 banks (SOD June 2026); HHI 2,553, highly concentrated. $770.1 m federal obligations in FY2026 (direct payments $500.5 m, contracts $202.4 m), $12,172 per covered job
| Item | Value | Distance |
|---|---|---|
| Cache Valley Bank | $1.3 bn · 40.5% share · 7 offices | |
| Zions Bancorporation, N.A. | $872.6 m · 26.4% share · 4 offices | |
| Wells Fargo Bank, National Association | $333.8 m · 10.1% share · 2 offices | |
| Cache, UT | $770.1 m FY2026 · $12,172/job | |
| MULTIPLE RECIPIENTS | $446.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Cache Valley Bank | $1,336,886,000 | 40.5% | 7 |
| Zions Bancorporation, N.A. | $872,580,000 | 26.4% | 4 |
| Wells Fargo Bank, National Association | $333,813,000 | 10.1% | 2 |
| Glacier Bank | $253,727,000 | 7.7% | 3 |
| JPMorgan Chase Bank, National Association | $158,980,000 | 4.8% | 2 |
| Bank of Utah | $151,833,000 | 4.6% | 2 |
| U.S. Bank National Association | $87,161,000 | 2.6% | 1 |
| WaFd Bank | $55,485,000 | 1.7% | 1 |
| KeyBank National Association | $34,778,000 | 1.1% | 1 |
| D. L. Evans Bank | $17,609,000 | 0.5% | 1 |
Deposit concentration is 2,553 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 = 40.5² + 26.4² + 10.1² + … (7 more) = 2,553
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 | $397,426,792 |
| Department of Defense | $166,962,017 |
| Department of Education | $54,818,513 |
| Department of Veterans Affairs | $49,200,770 |
| Department of Agriculture | $31,224,655 |
| Department of Health and Human Services | $18,771,653 |
| National Science Foundation | $16,586,705 |
| Department of Transportation | $14,057,689 |
| Department of the Interior | $6,683,225 |
| National Aeronautics and Space Administration | $4,932,968 |
| Department of Housing and Urban Development | $4,852,585 |
| Department of Commerce | $2,055,096 |
That is $12,172 per covered job, against 63,272 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $770.1 m / 63,272 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,172
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 #
Cache County, UT: 14 findings, 6 at a watch level and 8 noted
watchCache County, UT's price-to-rent ratio of 27.2 ranks 49th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 96.46278555637436 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchCache County, UT's years of wages of 8.6 ranks 162nd 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 = 94.74199869366427 >= 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
watchCache County, UT's price-to-rent ratio is 27.2, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 27.20083163394356 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchCache County, UT's price-to-rent ratio of 27.2 scores 96 on the 0-to-100 scale across US counties but 64 across Utah counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |96 across US counties - 64 across Utah counties|
- 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
watchCache County, UT's years of wages of 8.6 scores 95 on the 0-to-100 scale across US counties but 63 across Utah counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |95 across US counties - 63 across Utah counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
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.