Kossuth County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.21, -94.21.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,274th of 3,063 US counties · median $234,566
- 28th pct · 71st of 99 Iowa counties · median $194,976
- 39th pct · 1,868th of 3,063 US counties · median +2.9%
- 15th pct · 84th of 99 Iowa counties · median +4.6%
- US counties: not published this period
- Iowa counties: not published this period
- 43rd pct · 1,816th of 3,221 US counties · median 8,232
- 59th pct · 41st of 99 Iowa counties · median 5,685
- 62nd pct · 1,193rd of 3,221 US counties · median $1,039
- 67th pct · 32nd of 99 Iowa counties · median $1,057
- 21st pct · 2,417th of 3,063 US counties · median 4.3
- 22nd pct · 77th 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 $175,065 (Aug 2026), +2.0% over one year, +24.7% over five
- 25th pct · 2,274th of 3,063 US counties · median $234,566
- 28th pct · 71st of 99 Iowa counties · median $194,976
| Item | Value | Distance |
|---|---|---|
| Kossuth County, IA | $175,065 · +2.0% 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 $958 a month on $175,065 at 7.28%, against an average weekly wage worth $4,775 a month: 20.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $175,065 × 80% = $140,052, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $958/mo principal and interest
- wage share = payment / (avg weekly wage $1,102 × 52 / 12 = $4,775) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $175,065 / ($1,102 × 52) = 3.1
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 #
6,341 jobs at 631 employers (2026 Q1); -0.6% jobs and +7.2% average weekly wage over the year
- 43rd pct · 1,816th of 3,221 US counties · median 8,232
- 59th pct · 41st of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Kossuth County, IA | 6,341 jobs · $1,102/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,426 | $1,401 | 2.80 | +0.3% |
| Retail trade | 713 | $627 | 1.15 | +0.1% |
| Wholesale trade | 364 | $1,333 | 1.50 | -5.0% |
| Finance and insurance | 353 | $2,065 | 1.37 | -1.9% |
| Accommodation and food services | 349 | $287 | 0.61 | -13.8% |
| Construction | 312 | $934 | 0.94 | +26.3% |
| Agriculture, forestry, fishing | 275 | $1,420 | 6.00 | -7.4% |
| Professional and technical services | 217 | $1,261 | 0.50 | +13.0% |
| Other services | 162 | $818 | 0.85 | +8.0% |
| Arts, entertainment and recreation | 101 | $256 | 0.97 | +5.2% |
| Administrative and waste services | 90 | $831 | 0.25 | -3.2% |
| Information | 39 | $543 | 0.33 | -11.4% |
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 #
D0 abnormally dry
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$951.9 m in deposits at 19 offices of 9 banks (SOD June 2026); HHI 1,782, moderately concentrated. $130.8 m federal obligations in FY2026 (direct payments $128.3 m, grants $2.2 m), $20,625 per covered job
| Item | Value | Distance |
|---|---|---|
| Iowa State Bank | $317.8 m · 33.4% share · 3 offices | |
| Farmers State Bank | $130.7 m · 13.7% share · 3 offices | |
| Northwest Bank | $120.2 m · 12.6% share · 1 office | |
| Kossuth, IA | $130.8 m FY2026 · $20,625/job | |
| MULTIPLE RECIPIENTS | $96.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Iowa State Bank | $317,754,000 | 33.4% | 3 |
| Farmers State Bank | $130,657,000 | 13.7% | 3 |
| Northwest Bank | $120,193,000 | 12.6% | 1 |
| West Iowa Bank | $108,088,000 | 11.4% | 3 |
| Security State Bank | $79,662,000 | 8.4% | 4 |
| Fidelity Bank & Trust | $69,357,000 | 7.3% | 1 |
| NSB Bank | $62,412,000 | 6.6% | 1 |
| Bank Plus | $42,081,000 | 4.4% | 2 |
| Farmers Trust and Savings Bank | $21,708,000 | 2.3% | 1 |
Deposit concentration is 1,782 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 33.4² + 13.7² + 12.6² + … (6 more) = 1,782
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 | $89,739,083 |
| Department of Agriculture | $30,967,553 |
| Department of Veterans Affairs | $6,860,025 |
| Department of Transportation | $1,696,480 |
| Department of Housing and Urban Development | $817,690 |
| Department of the Interior | $269,868 |
| Railroad Retirement Board | $256,093 |
| Federal Communications Commission | $87,879 |
| Department of Education | $65,951 |
| Department of Health and Human Services | $20,000 |
| Small Business Administration | $0 |
That is $20,625 per covered job, against 6,341 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $130.8 m / 6,341 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,625
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 | 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 #
Kossuth County, IA: 4 findings, 1 at a watch level and 3 noted
watchKossuth County, IA'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
noteKossuth County, IA's average weekly wage was 7.2% 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
- +7.2 % = 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
noteKossuth County, IA's covered employment was 0.6% 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
- -0.6 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Kossuth County, IA is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.