Utah County, UT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.12, -111.67.
Assembled 2026-10-19. Read the brief.
- 94th pct · 157th of 3,063 US counties · median $230,451
- 74th pct · 8th of 28 Utah counties · median $445,634
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
- 33rd pct · 2,043rd of 3,062 US counties · median +2.9%
- 22nd pct · 22nd of 28 Utah counties · median +2.5%
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
- 71st pct · 393rd of 1,358 US counties · median $1,506
- 64th pct · 6th of 15 Utah counties · median $1,741
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
- 96th pct · 103rd of 3,221 US counties · median 8,232
- 96th pct · 2nd of 29 Utah counties · median 8,951
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
- 83rd pct · 517th of 3,221 US counties · median $1,039
- 89th pct · 4th of 29 Utah counties · median $1,042
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
- 93rd pct · 203rd of 3,063 US counties · median 4.2
- 48th pct · 15th of 28 Utah counties · median 8.1
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi 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 $540,291 (Sep 2026), +1.4% over one year, +10.9% over five
- 94th pct · 157th of 3,063 US counties · median $230,451
- 74th pct · 8th of 28 Utah counties · median $445,634
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Utah County, UT | $540,291 · +1.4% 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 $1,773/mo (Sep 2026), +1.8% over one year; price-to-rent 25.4
- 71st pct · 393rd of 1,358 US counties · median $1,506
- 64th pct · 6th of 15 Utah counties · median $1,741
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Utah County, UT | $1,773/mo · +1.8% 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 $2,993 a month on $540,291 at 7.40%, against an average weekly wage worth $5,581 a month: 53.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $540,291 × 80% = $432,233, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,993/mo principal and interest
- wage share = payment / (avg weekly wage $1,288 × 52 / 12 = $5,581) = 54% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $540,291 / ($1,288 × 52) = 8.1
- price-to-rent = $540,291 / ($1,773 × 12) = 25.4
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 #
302,192 jobs at 23,155 employers (2026 Q1); +2.2% jobs and +1.9% average weekly wage over the year
- 96th pct · 103rd of 3,221 US counties · median 8,232
- 96th pct · 2nd of 29 Utah counties · median 8,951
- counties in the Provo-Orem-Lehi metro: Rank context is unavailable: the manifest lists 2 counties in the Provo-Orem-Lehi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Utah County, UT | 302,192 jobs · $1,288/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 40,054 | $968 | 0.88 | +2.5% |
| Retail trade | 32,115 | $810 | 1.09 | +0.5% |
| Construction | 30,471 | $1,525 | 1.92 | +1.1% |
| Professional and technical services | 26,745 | $2,012 | 1.28 | +3.6% |
| Manufacturing | 23,915 | $1,491 | 0.98 | +0.0% |
| Accommodation and food services | 23,839 | $421 | 0.88 | +0.8% |
| Administrative and waste services | 19,763 | $959 | 1.15 | +16.5% |
| Educational services | 14,718 | $1,296 | 2.26 | -4.4% |
| Information | 13,829 | $3,137 | 2.48 | +5.0% |
| Finance and insurance | 8,687 | $2,126 | 0.71 | +2.2% |
| Other services | 7,620 | $797 | 0.84 | +0.0% |
| Wholesale trade | 6,889 | $1,977 | 0.60 | +1.7% |
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 #
$27.8 bn in deposits at 91 offices of 16 banks (SOD June 2026); HHI 2,127, highly concentrated. $2.2 bn federal obligations in FY2026 (direct payments $2.1 bn, grants $114.2 m), $7,401 per covered job
| Item | Value | Distance |
|---|---|---|
| Happen Bank, National Association | $10.9 bn · 39.0% share · 1 office | |
| Green Dot Bank DBA Bonneville Bank | $5.0 bn · 18.1% share · 1 office | |
| Zions Bancorporation, N.A. | $3.1 bn · 11.1% share · 13 offices | |
| Utah, UT | $2.2 bn FY2026 · $7,401/job | |
| MULTIPLE RECIPIENTS | $1.9 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Happen Bank, National Association | $10,854,299,000 | 39.0% | 1 |
| Green Dot Bank DBA Bonneville Bank | $5,038,560,000 | 18.1% | 1 |
| Zions Bancorporation, N.A. | $3,073,668,000 | 11.1% | 13 |
| Central Bank | $1,775,784,000 | 6.4% | 12 |
| Wells Fargo Bank, National Association | $1,629,854,000 | 5.9% | 10 |
| JPMorgan Chase Bank, National Association | $1,595,024,000 | 5.7% | 9 |
| Glacier Bank | $1,315,465,000 | 4.7% | 11 |
| Quill Bank | $1,193,016,000 | 4.3% | 6 |
| Bank of America, National Association | $440,132,000 | 1.6% | 8 |
| Bank of Utah | $284,927,000 | 1.0% | 3 |
Deposit concentration is 2,127 across 16 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 39.0² + 18.1² + 11.1² + … (13 more) = 2,127
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 | $1,677,510,211 |
| Department of Veterans Affairs | $227,000,876 |
| Department of Education | $192,321,362 |
| Department of Transportation | $43,817,067 |
| Department of Housing and Urban Development | $33,655,895 |
| Department of Defense | $15,735,810 |
| Department of Health and Human Services | $12,005,334 |
| Railroad Retirement Board | $9,555,984 |
| Department of the Interior | $8,701,872 |
| Department of Agriculture | $5,814,075 |
| Department of Homeland Security | $3,471,126 |
| Federal Communications Commission | $1,616,266 |
That is $7,401 per covered job, against 302,192 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 302,192 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,401
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 #
Utah County, UT: 14 findings, 5 at a watch level and 9 noted
watchUtah County, UT's price-to-rent ratio of 25.4 ranks 81st 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 = 94.10464259395725 >= 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
watchUtah County, UT's years of wages of 8.1 ranks 203rd 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 = 93.40300457217505 >= 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
watchUtah County, UT's price-to-rent ratio is 25.4, 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 = 25.39891779557112 >= 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
watchUtah County, UT's years of wages of 8.1 scores 93 on the 0-to-100 scale across US counties but 48 across Utah counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |93 across US counties - 48 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
watchUtah County, UT's price-to-rent ratio of 25.4 scores 94 on the 0-to-100 scale across US counties but 50 across Utah counties, a gap of 44 points.
Period 2026-09.Show the arithmetic
- 44 = |94 across US counties - 50 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.