Winneshiek County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.29, -91.85.
Assembled 2026-10-06. Read the brief.
- 73rd pct · 802nd of 3,063 US counties · median $234,566
- 95th pct · 5th of 99 Iowa counties · median $194,976
- 67th pct · 1,002nd of 3,063 US counties · median +2.9%
- 47th pct · 52nd of 99 Iowa counties · median +4.6%
- US counties: not published this period
- Iowa counties: not published this period
- 55th pct · 1,440th of 3,221 US counties · median 8,232
- 74th pct · 26th of 99 Iowa counties · median 5,685
- 45th pct · 1,749th of 3,221 US counties · median $1,039
- 33rd pct · 66th of 99 Iowa counties · median $1,057
- 79th pct · 639th of 3,063 US counties · median 4.3
- 96th pct · 4th 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 $320,243 (Aug 2026), +4.5% over one year, +35.9% over five
- 73rd pct · 802nd of 3,063 US counties · median $234,566
- 95th pct · 5th of 99 Iowa counties · median $194,976
| Item | Value | Distance |
|---|---|---|
| Winneshiek County, IA | $320,243 · +4.5% 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 $1,753 a month on $320,243 at 7.28%, against an average weekly wage worth $4,424 a month: 39.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $320,243 × 80% = $256,194, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,753/mo principal and interest
- wage share = payment / (avg weekly wage $1,021 × 52 / 12 = $4,424) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $320,243 / ($1,021 × 52) = 6.0
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 #
10,114 jobs at 764 employers (2026 Q1); -1.6% jobs and +3.7% average weekly wage over the year
- 55th pct · 1,440th of 3,221 US counties · median 8,232
- 74th pct · 26th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Winneshiek County, IA | 10,114 jobs · $1,021/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,388 | $1,096 | 1.71 | -6.0% |
| Retail trade | 1,288 | $695 | 1.31 | -0.5% |
| Health care and social assistance | 999 | $1,162 | 0.66 | +8.9% |
| Accommodation and food services | 789 | $355 | 0.87 | -1.6% |
| Educational services | 580 | $952 | 2.67 | -4.6% |
| Construction | 502 | $1,288 | 0.95 | +8.9% |
| Wholesale trade | 420 | $1,436 | 1.08 | -4.3% |
| Administrative and waste services | 366 | $1,302 | 0.64 | -17.0% |
| Finance and insurance | 298 | $1,585 | 0.72 | +2.1% |
| Other services | 241 | $714 | 0.80 | -2.4% |
| Professional and technical services | 223 | $1,296 | 0.32 | -11.5% |
| Arts, entertainment and recreation | 105 | $600 | 0.63 | +16.7% |
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 #
113 gauges · 0 flooding · 38 with quality panels averaging 100 % · 46 stale
Sites found: 113, 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-05387500 | flow 640.0 ft³/s · no flooding | 5 km |
| Upper Iowa River near Decorah (IFC) | no flooding | 5 km |
| Upper Iowa River near Freeport (IFC) | no readings | 9 km |
| USGS-05411600 | flow 309.0 ft³/s · no flooding | 12 km |
| Turkey River near Spillville (IFC) | no readings | 13 km |
| USGS-05387440 | flow 442.0 ft³/s · no flooding | 13 km |
| Wonder Creek near Spillville | no readings | 14 km |
| Turkey River at Fort Atkinson (IFC) | no readings | 17 km |
| Brockcamp Creek near Festina (IFC) | no flooding | 18 km |
| Rogers Creek at Fort Atkinson (IFC) | no flooding | 18 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 #
59 wells in 0 named aquifers:
Sites found: 59, 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-430203091501201 | depth 3.76 ft · 2026-10-05 | 29 km |
| USGS-430133091344802 | depth 208.6 ft · 1991-09-29 | 37 km |
| USGS-430133091344803 | depth 72.1 ft · 1991-09-29 | 37 km |
| USGS-430133091344804 | depth 55.1 ft · 1991-09-29 | 37 km |
| USGS-430133091344801 | depth 370.7 ft · 1991-09-29 | 37 km |
| USGS-430040091325402 | depth 4.77 ft · 1991-09-29 | 40 km |
| USGS-430145091253002 | depth 167.8 ft · 1990-01-10 | 45 km |
| USGS-430145091253004 | depth 15.2 ft · 1990-12-23 | 45 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 #
$1.3 bn in deposits at 14 offices of 9 banks (SOD June 2026); HHI 2,486, highly concentrated. $162.2 m federal obligations in FY2026 (direct payments $146.6 m, grants $15.5 m), $16,034 per covered job
| Item | Value | Distance |
|---|---|---|
| Decorah Bank & Trust Company | $552.6 m · 44.1% share · 2 offices | |
| Waukon State Bank | $194.9 m · 15.6% share · 2 offices | |
| Luana Savings Bank | $135.0 m · 10.8% share · 1 office | |
| Winneshiek, IA | $162.2 m FY2026 · $16,034/job | |
| MULTIPLE RECIPIENTS | $124.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Decorah Bank & Trust Company | $552,581,000 | 44.1% | 2 |
| Waukon State Bank | $194,943,000 | 15.6% | 2 |
| Luana Savings Bank | $135,010,000 | 10.8% | 1 |
| Citizens Savings Bank | $115,874,000 | 9.3% | 2 |
| Fidelity Bank & Trust | $86,984,000 | 6.9% | 2 |
| BMO Bank National Association | $51,145,000 | 4.1% | 2 |
| CUSB Bank | $46,373,000 | 3.7% | 1 |
| Kerndt Brothers Savings Bank | $40,730,000 | 3.3% | 1 |
| Northeast Security Bank | $28,553,000 | 2.3% | 1 |
Deposit concentration is 2,486 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 44.1² + 15.6² + 10.8² + … (6 more) = 2,486
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 | $115,677,875 |
| Department of Agriculture | $12,510,168 |
| Department of Transportation | $11,201,927 |
| Department of Veterans Affairs | $8,438,957 |
| Department of Education | $7,877,211 |
| Department of Health and Human Services | $3,652,542 |
| Department of Housing and Urban Development | $2,489,406 |
| Railroad Retirement Board | $280,943 |
| Department of Defense | $49,154 |
| Federal Communications Commission | $13,993 |
| National Science Foundation | $0 |
| Small Business Administration | $0 |
That is $16,034 per covered job, against 10,114 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $162.2 m / 10,114 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,034
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 | -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 #
Winneshiek County, IA: 6 findings, 1 at a watch level and 5 noted
watchWinneshiek County, IA's covered employment is -1.6% 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 = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWinneshiek 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
noteWinneshiek County, IA's covered employment was 1.6% 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
- -1.6 % = 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
noteWinneshiek County, IA's years of wages of 6.0 ranks 4th of 99 Iowa counties, against a median of 3.5.
Period 2026-08.Show the arithmetic
- 97 on the 0-to-100 scale across 99 Iowa counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteWinneshiek County, IA's typical home value of $320,243 ranks 5th of 99 Iowa counties, against a median of $194,976.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 99 Iowa counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 6 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.