Marshall County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.04, -92.98.
Assembled 2026-10-06. Read the brief.
- 35th pct · 1,972nd of 3,063 US counties · median $234,566
- 51st pct · 49th of 99 Iowa counties · median $194,976
- 57th pct · 1,293rd of 3,063 US counties · median +2.9%
- 36th pct · 63rd of 99 Iowa counties · median +4.6%
- 7th pct · 1,297th of 1,399 US counties · median $1,496
- 46th pct · 16th of 29 Iowa counties · median $1,006
- 65th pct · 1,106th of 3,221 US counties · median 8,232
- 82nd pct · 18th of 99 Iowa counties · median 5,685
- 68th pct · 1,012th of 3,221 US counties · median $1,039
- 73rd pct · 26th of 99 Iowa counties · median $1,057
- 27th pct · 2,217th of 3,063 US counties · median 4.3
- 40th pct · 59th 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 $196,589 (Aug 2026), +3.7% over one year, +24.4% over five
- 35th pct · 1,972nd of 3,063 US counties · median $234,566
- 51st pct · 49th of 99 Iowa counties · median $194,976
| Item | Value | Distance |
|---|---|---|
| Marshall County, IA | $196,589 · +3.7% 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 $987/mo (Aug 2026), +2.8% over one year; price-to-rent 16.6
- 7th pct · 1,297th of 1,399 US counties · median $1,496
- 46th pct · 16th of 29 Iowa counties · median $1,006
| Item | Value | Distance |
|---|---|---|
| Marshall County, IA | $987/mo · +2.8% 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 $1,076 a month on $196,589 at 7.28%, against an average weekly wage worth $4,927 a month: 21.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $196,589 × 80% = $157,271, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,076/mo principal and interest
- wage share = payment / (avg weekly wage $1,137 × 52 / 12 = $4,927) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $196,589 / ($1,137 × 52) = 3.3
- price-to-rent = $196,589 / ($987 × 12) = 16.6
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 #
15,695 jobs at 979 employers (2026 Q1); -0.8% jobs and +3.1% average weekly wage over the year
- 65th pct · 1,106th of 3,221 US counties · median 8,232
- 82nd pct · 18th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Marshall County, IA | 15,695 jobs · $1,137/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,455 | $1,545 | 3.53 | +6.6% |
| Retail trade | 1,687 | $694 | 1.10 | -2.1% |
| Accommodation and food services | 999 | $377 | 0.71 | +9.7% |
| Construction | 459 | $1,388 | 0.56 | +10.1% |
| Wholesale trade | 444 | $1,756 | 0.74 | +0.2% |
| Other services | 367 | $1,003 | 0.78 | -18.1% |
| Finance and insurance | 348 | $1,540 | 0.54 | -0.6% |
| Professional and technical services | 346 | $1,182 | 0.32 | +5.8% |
| Arts, entertainment and recreation | 262 | $400 | 1.01 | -6.4% |
| Transportation and warehousing | 253 | $1,122 | 0.38 | +0.0% |
| Administrative and waste services | 221 | $688 | 0.25 | -60.9% |
| Utilities | 114 | $2,791 | 1.84 | +0.0% |
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 #
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 #
$1.4 bn in deposits at 16 offices of 11 banks (SOD June 2026); HHI 1,445, moderately concentrated. $272.6 m federal obligations in FY2026 (direct payments $236.1 m, grants $35.4 m), $17,366 per covered job
| Item | Value | Distance |
|---|---|---|
| Central State Bank | $355.3 m · 25.6% share · 1 office | |
| Pinnacle Bank | $268.2 m · 19.3% share · 1 office | |
| Wells Fargo Bank, National Association | $155.7 m · 11.2% share · 1 office | |
| Marshall, IA | $272.6 m FY2026 · $17,366/job | |
| MULTIPLE RECIPIENTS | $225.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Central State Bank | $355,284,000 | 25.6% | 1 |
| Pinnacle Bank | $268,223,000 | 19.3% | 1 |
| Wells Fargo Bank, National Association | $155,656,000 | 11.2% | 1 |
| First Interstate Bank | $147,647,000 | 10.6% | 2 |
| United Bank & Trust Co. | $106,726,000 | 7.7% | 2 |
| Farmers Savings Bank | $82,952,000 | 6.0% | 2 |
| U.S. Bank National Association | $79,826,000 | 5.8% | 1 |
| Citizens Savings Bank | $64,597,000 | 4.7% | 3 |
| GNB Bank | $47,072,000 | 3.4% | 1 |
| Nicolet National Bank | $40,766,000 | 2.9% | 1 |
Deposit concentration is 1,445 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 25.6² + 19.3² + 11.2² + … (8 more) = 1,445
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 | $198,536,056 |
| Department of Veterans Affairs | $47,702,433 |
| Department of Transportation | $10,090,925 |
| Railroad Retirement Board | $4,681,679 |
| Department of Agriculture | $4,575,403 |
| Department of Education | $3,216,425 |
| Department of Housing and Urban Development | $2,003,341 |
| Federal Communications Commission | $691,108 |
| Department of the Interior | $575,245 |
| Department of Defense | $338,357 |
| Department of Health and Human Services | $97,342 |
| Department of Justice | $58,399 |
That is $17,366 per covered job, against 15,695 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $272.6 m / 15,695 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,366
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 #
Marshall County, IA: 9 findings, 2 at a watch level and 7 noted
watchMarshall County, IA's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMarshall County, IA's typical asking rent of $987 scores 7 on the 0-to-100 scale across US counties but 46 across Iowa counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |7 across US counties - 46 across Iowa counties|
position among the entities that published this metric this period; not an official level
noteMarshall County, IA's average weekly wage was 3.1% 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
- +3.1 % = 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
noteMarshall County, IA's typical asking rent rose 1.8% from $969 in July 2026 to $987 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.8% = (987.2222222222222 - 969.3577557191267) / 969.3577557191267 × 100
- 987.2222222222222 = Zillow ZORI, 2026-08
- 969.3577557191267 = Zillow ZORI, 2026-07
noteMarshall County, IA's covered employment was 0.8% 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
- -0.8 % = 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.