Warren County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.33, -93.57.
Assembled 2026-10-06. Read the brief.
- 74th pct · 778th of 3,063 US counties · median $234,566
- 96th pct · 4th of 99 Iowa counties · median $194,976
- 60th pct · 3rd of 6 counties in the Des Moines-West Des Moines metro · median $302,241
- 40th pct · 1,823rd of 3,063 US counties · median +2.9%
- 19th pct · 80th of 99 Iowa counties · median +4.6%
- 60th pct · 3rd of 6 counties in the Des Moines-West Des Moines metro · median +1.9%
- 22nd pct · 1,082nd of 1,399 US counties · median $1,496
- 71st pct · 9th of 29 Iowa counties · median $1,006
- counties in the Des Moines-West Des Moines metro: only 4 of counties in the Des Moines-West Des Moines metro published this metric; fewer than 5 is too few to rank
- 61st pct · 1,227th of 3,221 US counties · median 8,232
- 79th pct · 21st of 99 Iowa counties · median 5,685
- 60th pct · 3rd of 6 counties in the Des Moines-West Des Moines metro · median 12,053
- 45th pct · 1,764th of 3,221 US counties · median $1,039
- 30th pct · 69th of 99 Iowa counties · median $1,057
- 0th pct · 6th of 6 counties in the Des Moines-West Des Moines metro · median $1,088
- 80th pct · 611th of 3,063 US counties · median 4.3
- 97th pct · 3rd of 99 Iowa counties · median 3.5
- 80th pct · 2nd of 6 counties in the Des Moines-West Des Moines metro · median 4.5
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 $323,475 (Aug 2026), +2.1% over one year, +19.9% over five
- 74th pct · 778th of 3,063 US counties · median $234,566
- 96th pct · 4th of 99 Iowa counties · median $194,976
- 60th pct · 3rd of 6 counties in the Des Moines-West Des Moines metro · median $302,241
| Item | Value | Distance |
|---|---|---|
| Warren County, IA | $323,475 · +2.1% 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 $1,203/mo (Aug 2026), +2.4% over one year; price-to-rent 22.4
- 22nd pct · 1,082nd of 1,399 US counties · median $1,496
- 71st pct · 9th of 29 Iowa counties · median $1,006
- counties in the Des Moines-West Des Moines metro: only 4 of counties in the Des Moines-West Des Moines metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Warren County, IA | $1,203/mo · +2.4% 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 $1,771 a month on $323,475 at 7.28%, against an average weekly wage worth $4,411 a month: 40.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $323,475 × 80% = $258,780, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,771/mo principal and interest
- wage share = payment / (avg weekly wage $1,018 × 52 / 12 = $4,411) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $323,475 / ($1,018 × 52) = 6.1
- price-to-rent = $323,475 / ($1,203 × 12) = 22.4
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 #
13,273 jobs at 1,444 employers (2026 Q1); +1.0% jobs and +3.7% average weekly wage over the year
- 61st pct · 1,227th of 3,221 US counties · median 8,232
- 79th pct · 21st of 99 Iowa counties · median 5,685
- 60th pct · 3rd of 6 counties in the Des Moines-West Des Moines metro · median 12,053
| Item | Value | Distance |
|---|---|---|
| Warren County, IA | 13,273 jobs · $1,018/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,045 | $682 | 1.58 | -2.2% |
| Health care and social assistance | 1,554 | $855 | 0.78 | -2.8% |
| Accommodation and food services | 1,300 | $389 | 1.09 | +11.8% |
| Construction | 1,173 | $1,260 | 1.69 | -3.7% |
| Transportation and warehousing | 590 | $1,129 | 1.05 | +14.6% |
| Professional and technical services | 566 | $1,744 | 0.62 | +4.2% |
| Finance and insurance | 462 | $2,061 | 0.85 | +10.8% |
| Educational services | 402 | $1,093 | 1.41 | -1.0% |
| Administrative and waste services | 365 | $1,045 | 0.48 | -3.2% |
| Arts, entertainment and recreation | 158 | $763 | 0.72 | +18.8% |
| Management of companies | 123 | $2,410 | 0.55 | -5.4% |
| Real estate and rental | 117 | $1,455 | 0.57 | +19.4% |
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 #
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 | 1,357 Acre-ft (USGS, no capacity on file) | 137 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 #
74 gauges · 0 flooding · 6 with quality panels averaging 92 % · 15 stale
Sites found: 74, 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 |
|---|---|---|
| South River near Ackworth, IA | flow 468.0 ft³/s · no flooding | 7 km |
| Middle River near Indianola, IA | flow 1,050 ft³/s · no flooding | 10 km |
| North River near Norwalk, IA | flow 835.0 ft³/s · no flooding | 16 km |
| North River at Carlisle N 1st St--IFC | no readings | 21 km |
| White Breast Creek near Dallas, IA | flow 234.0 ft³/s · no flooding | 25 km |
| Des Moines River near Runnells, IA | flow 1,060 ft³/s · STALE | 26 km |
| Spring Creek near Pleasant Hill SE 32nd Ave--IFC | no readings | 26 km |
| Fourmile Creek at Pleasant Hill Vandalia Rd--IFC | no readings | 27 km |
| Des Moines River blw Raccoon Riv at Des Moines, IA | flow 24,000 ft³/s · ACTION stage | 28 km |
| Raccoon River at 63rd Street at Des Moines, IA | flow 13,400 ft³/s · no flooding | 28 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 #
12 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 12, 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-413713093380201 | depth 4.54 ft · 2023-10-31 | 32 km |
| USGS-413835093384601 | depth 8.63 ft · 2023-10-31 | 35 km |
| USGS-413849093391401 | depth 10.8 ft · 2023-10-31 | 36 km |
| USGS-413909093391501 | depth 11.3 ft · 2023-10-31 | 36 km |
| USGS-414003093391501 | depth 14.8 ft · 2023-10-31 | 38 km |
| USGS-414034093391801 | depth 19.1 ft · 2022-05-01 | 39 km |
| USGS-414034093391803 | depth 19.1 ft · 2022-05-01 | 39 km |
| USGS-414035093391801 | depth 18.0 ft · 2022-05-01 | 39 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.08 / 0.55
Banks & federal dollars #
$1.4 bn in deposits at 16 offices of 7 banks (SOD June 2026); HHI 2,446, highly concentrated. $345.2 m federal obligations in FY2026 (direct payments $323.5 m, grants $20.4 m), $26,009 per covered job
| Item | Value | Distance |
|---|---|---|
| City State Bank | $468.8 m · 34.7% share · 5 offices | |
| Peoples Savings Bank | $406.9 m · 30.1% share · 4 offices | |
| TruBank | $198.9 m · 14.7% share · 3 offices | |
| Warren, IA | $345.2 m FY2026 · $26,009/job | |
| MULTIPLE RECIPIENTS | $316.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| City State Bank | $468,810,000 | 34.7% | 5 |
| Peoples Savings Bank | $406,925,000 | 30.1% | 4 |
| TruBank | $198,860,000 | 14.7% | 3 |
| Luana Savings Bank | $101,690,000 | 7.5% | 1 |
| Wells Fargo Bank, National Association | $88,503,000 | 6.5% | 1 |
| First Interstate Bank | $43,479,000 | 3.2% | 1 |
| BMO Bank National Association | $43,284,000 | 3.2% | 1 |
Deposit concentration is 2,446 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 = 34.7² + 30.1² + 14.7² + … (4 more) = 2,446
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 | $273,735,578 |
| Department of Veterans Affairs | $40,857,930 |
| Department of Transportation | $19,097,198 |
| Department of Agriculture | $3,861,307 |
| Department of Education | $3,855,903 |
| Department of Housing and Urban Development | $1,902,457 |
| Railroad Retirement Board | $1,619,171 |
| Department of Justice | $250,000 |
| Federal Communications Commission | $37,078 |
| Small Business Administration | $0 |
That is $26,009 per covered job, against 13,273 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $345.2 m / 13,273 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,009
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 #
Warren County, IA: 10 findings, 2 at a watch level and 8 noted
watchWarren County, IA's typical asking rent is -1.5% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-08.Show the arithmetic
- test: rent.momPct = -1.4517656947394988 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchWarren County, IA's typical asking rent of $1,203 scores 23 on the 0-to-100 scale across US counties but 71 across Iowa counties, a gap of 49 points.
Period 2026-08.Show the arithmetic
- 49 = |23 across US counties - 71 across Iowa counties|
position among the entities that published this metric this period; not an official level
noteWarren County, IA's average weekly wage was 3.7% 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
- +3.7 % = 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
noteWarren County, IA's typical asking rent fell 1.5% from $1,221 in July 2026 to $1,203 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.5% = (1203.2164502164503 - 1220.9416624243086) / 1220.9416624243086 × 100
- 1203.2164502164503 = Zillow ZORI, 2026-08
- 1220.9416624243086 = Zillow ZORI, 2026-07
noteWarren County, IA's covered employment was 1.0% 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
- +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
Read all 10 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.