Keokuk County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.33, -92.17.
Assembled 2026-10-07. Read the brief.
- 15th pct · 2,584th of 3,063 US counties · median $234,566
- 10th pct · 89th of 99 Iowa counties · median $194,976
- 89th pct · 328th of 3,063 US counties · median +2.9%
- 81st pct · 19th of 99 Iowa counties · median +4.6%
- US counties: not published this period
- Iowa counties: not published this period
- 18th pct · 2,639th of 3,221 US counties · median 8,232
- 9th pct · 90th of 99 Iowa counties · median 5,685
- 32nd pct · 2,169th of 3,221 US counties · median $1,039
- 9th pct · 90th of 99 Iowa counties · median $1,057
- 19th pct · 2,462nd of 3,063 US counties · median 4.3
- 19th pct · 80th 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 $149,531 (Aug 2026), +7.6% over one year, +21.3% over five
- 15th pct · 2,584th of 3,063 US counties · median $234,566
- 10th pct · 89th of 99 Iowa counties · median $194,976
| Item | Value | Distance |
|---|---|---|
| Keokuk County, IA | $149,531 · +7.6% 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 $818 a month on $149,531 at 7.28%, against an average weekly wage worth $4,173 a month: 19.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $149,531 × 80% = $119,625, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $818/mo principal and interest
- wage share = payment / (avg weekly wage $963 × 52 / 12 = $4,173) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $149,531 / ($963 × 52) = 3.0
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 #
2,213 jobs at 312 employers (2026 Q1); -2.6% jobs and +2.0% average weekly wage over the year
- 18th pct · 2,639th of 3,221 US counties · median 8,232
- 9th pct · 90th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Keokuk County, IA | 2,213 jobs · $963/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 261 | $1,144 | 3.08 | -8.7% |
| Retail trade | 219 | $471 | 1.02 | +0.9% |
| Manufacturing | 204 | $1,136 | 1.15 | -5.1% |
| Construction | 81 | $860 | 0.70 | -10.0% |
| Other services | 60 | $1,027 | 0.91 | -13.0% |
| Professional and technical services | 33 | $1,630 | 0.22 | -5.7% |
| Information | 21 | $1,521 | 0.51 | +0.0% |
| Management of companies | 15 | $854 | 0.40 | +25.0% |
| Administrative and waste services | 6 | $931 | 0.05 | +50.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
48 gauges · 3 flooding · 4 with quality panels averaging 100 % · 3 stale
Sites found: 48, 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 |
|---|---|---|
| Iowa River near Belle Plaine, IA | flow 8,490 ft³/s · MINOR flooding | 59 km |
| Cedar River near Conesville, IA | flow 27,700 ft³/s · MINOR flooding | 74 km |
| Iowa River at Marengo, IA | flow 8,310 ft³/s · MINOR flooding | 54 km |
| North Skunk River near Sigourney, IA | flow 1,800 ft³/s · no flooding | 5 km |
| English River at Parnell | no flooding | 26 km |
| Deep River at Deep River, IA | stage 67.6 ft | 33 km |
| Des Moines River at Chillicothe Chillicothe Rd--IFC | no readings | 40 km |
| English River at Kalona, IA | flow 1,250 ft³/s · no flooding | 41 km |
| South Skunk River near Oskaloosa, IA | flow 9,060 ft³/s · ACTION stage | 41 km |
| Des Moines River at Ottumwa, IA | flow 25,700 ft³/s · quality 100 % (1) · ACTION stage | 41 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 #
29 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 29, 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-411843092105101 | depth 13.2 ft · 2018-09-30 | 2 km |
| USGS-411912092273601 | depth 102.6 ft · 1992-09-29 | 24 km |
| USGS-412023092471201 | depth 76.8 ft · 1992-11-03 | 52 km |
| USGS-414818092055401 | depth 2.55 ft · 2018-07-30 | 55 km |
| Sand and gravel aquifers (glaciated regions) | depth 12.8 ft · 2026-10-06 | 55 km |
| USGS-414709091515801 | depth 7.98 ft · 1992-09-29 | 56 km |
| USGS-412927092575201 | depth 8.10 ft · 2017-09-24 | 69 km |
| USGS-415216091400202 | depth 795.8 ft · 1990-11-28 | 73 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 #
$380.2 m in deposits at 9 offices of 7 banks (SOD June 2026); HHI 2,212, highly concentrated. $62.6 m federal obligations in FY2026 (direct payments $61.9 m, grants $702,713), $28,278 per covered job
| Item | Value | Distance |
|---|---|---|
| Nicolet National Bank | $114.3 m · 30.1% share · 2 offices | |
| Fidelity Bank & Trust | $108.0 m · 28.4% share · 2 offices | |
| The Libertyville Savings Bank | $66.4 m · 17.5% share · 1 office | |
| Keokuk, IA | $62.6 m FY2026 · $28,278/job | |
| MULTIPLE RECIPIENTS | $59.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Nicolet National Bank | $114,278,000 | 30.1% | 2 |
| Fidelity Bank & Trust | $108,004,000 | 28.4% | 2 |
| The Libertyville Savings Bank | $66,378,000 | 17.5% | 1 |
| White State Bank | $46,527,000 | 12.2% | 1 |
| Federation Bank | $17,794,000 | 4.7% | 1 |
| TruBank | $14,305,000 | 3.8% | 1 |
| South Ottumwa Savings Bank | $12,951,000 | 3.4% | 1 |
Deposit concentration is 2,212 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 30.1² + 28.4² + 17.5² + … (4 more) = 2,212
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 | $53,520,251 |
| Department of Veterans Affairs | $5,669,099 |
| Department of Agriculture | $2,551,378 |
| Department of Transportation | $599,322 |
| Department of Education | $83,391 |
| Railroad Retirement Board | $71,564 |
| Federal Communications Commission | $48,390 |
| Department of Housing and Urban Development | $35,992 |
| Small Business Administration | $0 |
That is $28,278 per covered job, against 2,213 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $62.6 m / 2,213 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,278
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 | 2026-10-06 | +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 | 3.00 | 2026-10-06 | -50.0% |
| 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 | 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Keokuk County, IA: 8 findings, 1 at a watch level and 7 noted
watchKeokuk County, IA's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteKeokuk County, IA's covered employment was 2.6% lower 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
- -2.6 % = 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
noteKeokuk County, IA's average weekly wage was 2.0% 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 % = 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
noteKeokuk County, IA's typical home value fell 0.6% from $150,394 in July 2026 to $149,531 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.6% = (149531.35928145782 - 150394.44283907273) / 150394.44283907273 × 100
- 149531.35928145782 = Zillow ZHVI, 2026-08
- 150394.44283907273 = Zillow ZHVI, 2026-07
noteKeokuk County, IA's average weekly wage of $963 ranks 90th of 99 Iowa counties, against a median of $1,057.
Period 2026 Q1.Show the arithmetic
- 9 on the 0-to-100 scale across 99 Iowa counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 8 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.