Iron County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.91, -113.31.
Assembled 2026-10-19. Read the brief.
- 87th pct · 389th of 3,063 US counties · median $230,451
- 40th pct · 17th of 28 Utah counties · median $445,634
- 44th pct · 1,695th of 3,062 US counties · median +2.9%
- 48th pct · 15th of 28 Utah counties · median +2.5%
- 48th pct · 699th of 1,358 US counties · median $1,506
- 28th pct · 11th of 15 Utah counties · median $1,741
- 75th pct · 787th of 3,221 US counties · median 8,232
- 75th pct · 8th of 29 Utah counties · median 8,951
- 32nd pct · 2,183rd of 3,221 US counties · median $1,039
- 32nd pct · 20th of 29 Utah counties · median $1,042
- 93rd pct · 193rd of 3,063 US counties · median 4.2
- 51st pct · 14th of 28 Utah counties · median 8.1
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 $409,337 (Sep 2026), +2.4% over one year, +17.2% over five
- 87th pct · 389th of 3,063 US counties · median $230,451
- 40th pct · 17th of 28 Utah counties · median $445,634
| Item | Value | Distance |
|---|---|---|
| Iron County, UT | $409,337 · +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 $1,491/mo (Sep 2026), +0.6% over one year; price-to-rent 22.9
- 48th pct · 699th of 1,358 US counties · median $1,506
- 28th pct · 11th of 15 Utah counties · median $1,741
| Item | Value | Distance |
|---|---|---|
| Iron County, UT | $1,491/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 $2,267 a month on $409,337 at 7.40%, against an average weekly wage worth $4,164 a month: 54.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $409,337 × 80% = $327,469, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,267/mo principal and interest
- wage share = payment / (avg weekly wage $961 × 52 / 12 = $4,164) = 54% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $409,337 / ($961 × 52) = 8.2
- price-to-rent = $409,337 / ($1,491 × 12) = 22.9
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 #
25,931 jobs at 2,270 employers (2026 Q1); +0.7% jobs and +3.7% average weekly wage over the year
- 75th pct · 787th of 3,221 US counties · median 8,232
- 75th pct · 8th of 29 Utah counties · median 8,951
| Item | Value | Distance |
|---|---|---|
| Iron County, UT | 25,931 jobs · $961/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 3,276 | $1,135 | 2.41 | +9.1% |
| Retail trade | 2,993 | $661 | 1.18 | +0.5% |
| Accommodation and food services | 2,931 | $365 | 1.26 | +3.1% |
| Health care and social assistance | 2,830 | $867 | 0.73 | -2.4% |
| Manufacturing | 2,783 | $1,229 | 1.33 | +7.6% |
| Administrative and waste services | 887 | $759 | 0.60 | -9.0% |
| Finance and insurance | 817 | $1,547 | 0.77 | +0.6% |
| Professional and technical services | 764 | $1,257 | 0.43 | +1.6% |
| Other services | 604 | $713 | 0.78 | +1.0% |
| Arts, entertainment and recreation | 496 | $479 | 1.16 | -15.6% |
| Wholesale trade | 432 | $1,102 | 0.43 | +4.6% |
| Agriculture, forestry, fishing | 418 | $924 | 2.23 | -8.3% |
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 #
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 #
$1.5 bn in deposits at 7 offices of 5 banks (SOD June 2026); HHI 5,308, highly concentrated. $442.5 m federal obligations in FY2026 (direct payments $344.2 m, grants $82.0 m), $17,065 per covered job
| Item | Value | Distance |
|---|---|---|
| State Bank of Southern Utah | $1.0 bn · 70.8% share · 3 offices | |
| Wells Fargo Bank, National Association | $174.1 m · 12.0% share · 1 office | |
| Zions Bancorporation, N.A. | $165.9 m · 11.4% share · 1 office | |
| Iron, UT | $442.5 m FY2026 · $17,065/job | |
| MULTIPLE RECIPIENTS | $309.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| State Bank of Southern Utah | $1,030,653,000 | 70.8% | 3 |
| Wells Fargo Bank, National Association | $174,100,000 | 12.0% | 1 |
| Zions Bancorporation, N.A. | $165,879,000 | 11.4% | 1 |
| Cache Valley Bank | $48,571,000 | 3.3% | 1 |
| U.S. Bank National Association | $35,831,000 | 2.5% | 1 |
Deposit concentration is 5,308 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 = 70.8² + 12.0² + 11.4² + … (2 more) = 5,308
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 | $248,193,921 |
| Department of Transportation | $82,182,959 |
| Department of Veterans Affairs | $58,448,514 |
| Department of Education | $24,783,976 |
| Department of Agriculture | $16,979,972 |
| Department of Housing and Urban Development | $5,184,460 |
| Railroad Retirement Board | $2,519,953 |
| Department of the Interior | $2,198,714 |
| Department of Health and Human Services | $2,138,017 |
| Federal Communications Commission | $371,307 |
| Institute of Museum and Library Services | $14,544 |
| General Services Administration | $6,209 |
That is $17,065 per covered job, against 25,931 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $442.5 m / 25,931 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,065
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 #
Iron County, UT: 9 findings, 4 at a watch level and 5 noted
watchIron County, UT's years of wages of 8.2 ranks 193rd 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 = 93.72958850424558 >= 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
watchIron County, UT's price-to-rent ratio of 22.9 scores 87 on the 0-to-100 scale across US counties but 21 across Utah counties, a gap of 66 points.
Period 2026-09.Show the arithmetic
- 66 = |87 across US counties - 21 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
watchIron County, UT's typical home value of $409,337 scores 87 on the 0-to-100 scale across US counties but 41 across Utah counties, a gap of 47 points.
Period 2026-09.Show the arithmetic
- 47 = |87 across US counties - 41 across Utah counties|
position among the entities that published this metric this period; not an official level
watchIron County, UT's years of wages of 8.2 scores 94 on the 0-to-100 scale across US counties but 52 across Utah counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |94 across US counties - 52 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
noteIron County, UT's average weekly wage was 3.7% 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
- +3.7 % = 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 9 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.