Adams County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.02, -94.70.
Assembled 2026-10-06. Read the brief.
- 21st pct · 2,403rd of 3,063 US counties · median $234,566
- 23rd pct · 76th of 99 Iowa counties · median $194,976
- 24th pct · 2,308th of 3,063 US counties · median +2.9%
- 6th pct · 93rd of 99 Iowa counties · median +4.6%
- US counties: not published this period
- Iowa counties: not published this period
- 8th pct · 2,953rd of 3,221 US counties · median 8,232
- 0th pct · 99th of 99 Iowa counties · median 5,685
- 37th pct · 2,015th of 3,221 US counties · median $1,039
- 21st pct · 78th of 99 Iowa counties · median $1,057
- 25th pct · 2,272nd of 3,063 US counties · median 4.3
- 36th pct · 63rd of 99 Iowa counties · median 3.5
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 $165,000 (Aug 2026), +0.4% over one year, +30.0% over five
- 21st pct · 2,403rd of 3,063 US counties · median $234,566
- 23rd pct · 76th of 99 Iowa counties · median $194,976
| Item | Value | Distance |
|---|---|---|
| Adams County, IA | $165,000 · +0.4% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Iowa counties: not published this period
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 $903 a month on $165,000 at 7.28%, against an average weekly wage worth $4,255 a month: 21.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $165,000 × 80% = $132,000, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $903/mo principal and interest
- wage share = payment / (avg weekly wage $982 × 52 / 12 = $4,255) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $165,000 / ($982 × 52) = 3.2
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 #
1,186 jobs at 154 employers (2026 Q1); +5.4% jobs and +2.7% average weekly wage over the year
- 8th pct · 2,953rd of 3,221 US counties · median 8,232
- 0th pct · 99th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Adams County, IA | 1,186 jobs · $982/wk · +5.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 266 | $1,118 | 1.49 | +1.5% |
| Manufacturing | 191 | $1,222 | 2.00 | +0.0% |
| Wholesale trade | 73 | $1,189 | 1.61 | -5.2% |
| Retail trade | 72 | $552 | 0.62 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld |
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 #
No drought class at this point (USDM covers the United States only)
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 |
|---|---|---|
| Stanberry Lake near Gentry, MO | 1,358 Acre-ft (USGS, no capacity on file) | 85 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 #
13 gauges · 0 flooding · 1 with quality panels averaging 100 % · 1 stale
Sites found: 13, 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 |
|---|---|---|
| West Nodaway River at Massena, IA | stage 67.4 ft | 25 km |
| East Tarkio Creek near Stanton, IA | stage 0.73 ft | 34 km |
| Tarkio River near Elliott, IA | stage 2.65 ft | 35 km |
| Tarkio River at Stanton, IA | flow 0.33 ft³/s · STALE | 35 km |
| East Fork 102 River at Bedford, IA | flow 71.6 ft³/s | 40 km |
| East Nodaway River at Highway 2 near Clarinda, IA | flow 193.0 ft³/s | 40 km |
| Nodaway River at Clarinda, IA | flow 265.0 ft³/s | 41 km |
| East Nishnabotna River at Red Oak, IA | flow 1,360 ft³/s | 46 km |
| Snake Creek near Yorktown, IA | stage 80.0 ft | 48 km |
| East Nishnabotna River near Atlantic, IA | flow 1,030 ft³/s | 48 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 #
4 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 4, 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-410057095075101 | depth 18.6 ft · 2017-12-12 | 36 km |
| USGS-410057095075102 | depth 12.9 ft · 2026-10-05 | 36 km |
| Alluvial aquifers | depth 0.76 ft · 2026-10-04 | 53 km |
| Sand and gravel aquifers (glaciated regions) | depth 2.74 ft · 2026-10-04 | 57 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$135.8 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,933, highly concentrated. $29.6 m federal obligations in FY2026 (direct payments $29.2 m, grants $231,293), $24,928 per covered job
| Item | Value | Distance |
|---|---|---|
| TS Bank | $71.7 m · 52.8% share · 1 office | |
| PCSB Bank | $37.3 m · 27.5% share · 1 office | |
| Union State Bank | $26.7 m · 19.7% share · 1 office | |
| Adams, IA | $29.6 m FY2026 · $24,928/job | |
| MULTIPLE RECIPIENTS | $23.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TS Bank | $71,690,000 | 52.8% | 1 |
| PCSB Bank | $37,321,000 | 27.5% | 1 |
| Union State Bank | $26,739,000 | 19.7% | 1 |
Deposit concentration is 3,933 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 52.8² + 27.5² + 19.7² = 3,933
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 | $21,521,556 |
| Department of Agriculture | $5,605,629 |
| Department of Veterans Affairs | $1,817,838 |
| Railroad Retirement Board | $330,734 |
| Department of Housing and Urban Development | $186,726 |
| Federal Communications Commission | $47,764 |
| Department of Education | $34,567 |
| Department of Health and Human Services | $20,000 |
| Small Business Administration | $0 |
That is $24,928 per covered job, against 1,186 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $29.6 m / 1,186 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,928
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 2026-10-05 | +0.1% |
| 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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Adams County, IA: 9 findings, 9 noted
noteAdams County, IA's covered employment was 5.4% 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
- +5.4 % = 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
noteAdams County, IA's average weekly wage was 2.7% 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
- +2.7 % = 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
noteAdams County, IA's typical home value rose 0.4% from $164,284 in July 2026 to $165,000 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (165000.09710772394 - 164284.28468481186) / 164284.28468481186 × 100
- 165000.09710772394 = Zillow ZHVI, 2026-08
- 164284.28468481186 = Zillow ZHVI, 2026-07
noteAdams County, IA's covered employment of 1,186 ranks 99th of 99 Iowa counties, against a median of 5,685.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 99 Iowa counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteAdams County, IA's covered employment of +5.4% ranks 3rd of 99 Iowa counties, against a median of -0.7%.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 99 Iowa counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
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.