Davis County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.04, -112.20.
Assembled 2026-10-19. Read the brief.
- 95th pct · 144th of 3,063 US counties · median $230,451
- 77th pct · 7th of 28 Utah counties · median $445,634
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
- 43rd pct · 1,744th of 3,062 US counties · median +2.9%
- 40th pct · 17th of 28 Utah counties · median +2.5%
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
- 70th pct · 403rd of 1,358 US counties · median $1,506
- 57th pct · 7th of 15 Utah counties · median $1,741
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
- 92nd pct · 228th of 3,221 US counties · median 8,232
- 92nd pct · 3rd of 29 Utah counties · median 8,951
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
- 81st pct · 594th of 3,221 US counties · median $1,039
- 85th pct · 5th of 29 Utah counties · median $1,042
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
- 94th pct · 169th of 3,063 US counties · median 4.2
- 59th pct · 12th of 28 Utah counties · median 8.1
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden 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 $553,103 (Sep 2026), +2.3% over one year, +15.4% over five
- 95th pct · 144th of 3,063 US counties · median $230,451
- 77th pct · 7th of 28 Utah counties · median $445,634
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Davis County, UT | $553,103 · +2.3% 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 $1,763/mo (Sep 2026), +2.0% over one year; price-to-rent 26.1
- 70th pct · 403rd of 1,358 US counties · median $1,506
- 57th pct · 7th of 15 Utah counties · median $1,741
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Davis County, UT | $1,763/mo · +2.0% 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 $3,064 a month on $553,103 at 7.40%, against an average weekly wage worth $5,447 a month: 56.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $553,103 × 80% = $442,483, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,064/mo principal and interest
- wage share = payment / (avg weekly wage $1,257 × 52 / 12 = $5,447) = 56% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $553,103 / ($1,257 × 52) = 8.5
- price-to-rent = $553,103 / ($1,763 × 12) = 26.1
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 #
141,515 jobs at 10,429 employers (2026 Q1); -0.6% jobs and +8.8% average weekly wage over the year
- 92nd pct · 228th of 3,221 US counties · median 8,232
- 92nd pct · 3rd of 29 Utah counties · median 8,951
- counties in the Ogden metro: Rank context is unavailable: the manifest lists 3 counties in the Ogden metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Davis County, UT | 141,515 jobs · $1,257/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 16,928 | $1,066 | 0.79 | +1.1% |
| Retail trade | 15,927 | $791 | 1.15 | -2.8% |
| Manufacturing | 13,204 | $1,710 | 1.16 | -1.9% |
| Construction | 11,736 | $1,356 | 1.58 | +0.0% |
| Accommodation and food services | 11,047 | $423 | 0.87 | +0.2% |
| Professional and technical services | 8,505 | $1,929 | 0.87 | -2.7% |
| Transportation and warehousing | 6,116 | $1,169 | 1.03 | +8.0% |
| Administrative and waste services | 6,092 | $991 | 0.76 | +10.8% |
| Other services | 4,184 | $875 | 0.99 | +9.6% |
| Educational services | 3,961 | $742 | 1.30 | +0.0% |
| Arts, entertainment and recreation | 3,295 | $363 | 1.41 | +6.8% |
| Finance and insurance | 2,902 | $2,071 | 0.50 | +0.4% |
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 #
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 #
$4.4 bn in deposits at 43 offices of 13 banks (SOD June 2026); HHI 1,634, moderately concentrated. $2.5 bn federal obligations in FY2026 (direct payments $1.4 bn, contracts $990.9 m), $17,423 per covered job
| Item | Value | Distance |
|---|---|---|
| Zions Bancorporation, N.A. | $1.1 bn · 24.5% share · 8 offices | |
| Prime Alliance Bank | $966.1 m · 22.2% share · 1 office | |
| Wells Fargo Bank, National Association | $774.3 m · 17.8% share · 8 offices | |
| Davis, UT | $2.5 bn FY2026 · $17,423/job | |
| MULTIPLE RECIPIENTS | $1.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Zions Bancorporation, N.A. | $1,064,830,000 | 24.5% | 8 |
| Prime Alliance Bank | $966,101,000 | 22.2% | 1 |
| Wells Fargo Bank, National Association | $774,265,000 | 17.8% | 8 |
| JPMorgan Chase Bank, National Association | $419,737,000 | 9.6% | 3 |
| Glacier Bank | $320,296,000 | 7.4% | 5 |
| Bank of Utah | $265,139,000 | 6.1% | 2 |
| Cache Valley Bank | $199,440,000 | 4.6% | 2 |
| U.S. Bank National Association | $173,584,000 | 4.0% | 4 |
| KeyBank National Association | $98,861,000 | 2.3% | 3 |
| D. L. Evans Bank | $24,019,000 | 0.6% | 1 |
Deposit concentration is 1,634 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 24.5² + 22.2² + 17.8² + … (10 more) = 1,634
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 | $1,152,005,214 |
| Department of Defense | $847,790,568 |
| Department of Veterans Affairs | $254,079,817 |
| Department of Homeland Security | $47,206,664 |
| General Services Administration | $47,107,868 |
| Department of Labor | $39,764,104 |
| Department of Transportation | $17,089,543 |
| Department of Housing and Urban Development | $16,295,243 |
| Railroad Retirement Board | $13,301,691 |
| National Aeronautics and Space Administration | $8,169,455 |
| Department of Health and Human Services | $7,391,232 |
| Department of Agriculture | $5,068,799 |
That is $17,423 per covered job, against 141,515 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.5 bn / 141,515 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,423
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 #
Davis County, UT: 14 findings, 6 at a watch level and 8 noted
watchDavis County, UT's price-to-rent ratio of 26.1 ranks 64th 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 = 95.35740604274135 >= 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
watchDavis County, UT's years of wages of 8.5 ranks 169th 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 = 94.51338994121488 >= 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
watchDavis County, UT's price-to-rent ratio is 26.1, 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 = 26.148234076762737 >= 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
watchDavis County, UT's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDavis County, UT's price-to-rent ratio of 26.1 scores 95 on the 0-to-100 scale across US counties but 57 across Utah counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |95 across US counties - 57 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
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.