Chippewa County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.03, -95.56.
Assembled 2026-10-07. Read the brief.
- 45th pct · 1,681st of 3,063 US counties · median $234,566
- 30th pct · 61st of 87 Minnesota counties · median $276,116
- 88th pct · 364th of 3,063 US counties · median +2.9%
- 87th pct · 12th of 87 Minnesota counties · median +4.1%
- US counties: not published this period
- Minnesota counties: not published this period
- 37th pct · 2,024th of 3,221 US counties · median 8,232
- 34th pct · 57th of 87 Minnesota counties · median 7,739
- 68th pct · 1,024th of 3,221 US counties · median $1,039
- 66th pct · 30th of 87 Minnesota counties · median $1,102
- 38th pct · 1,885th of 3,063 US counties · median 4.3
- 25th pct · 65th of 87 Minnesota counties · median 4.6
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 $222,095 (Aug 2026), +7.4% over one year, +32.3% over five
- 45th pct · 1,681st of 3,063 US counties · median $234,566
- 30th pct · 61st of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Chippewa County, MN | $222,095 · +7.4% 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
- Minnesota 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 $1,216 a month on $222,095 at 7.28%, against an average weekly wage worth $4,918 a month: 24.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $222,095 × 80% = $177,676, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,216/mo principal and interest
- wage share = payment / (avg weekly wage $1,135 × 52 / 12 = $4,918) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $222,095 / ($1,135 × 52) = 3.8
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 #
4,980 jobs at 405 employers (2026 Q1); -3.3% jobs and +9.0% average weekly wage over the year
- 37th pct · 2,024th of 3,221 US counties · median 8,232
- 34th pct · 57th of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Chippewa County, MN | 4,980 jobs · $1,135/wk · -3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 860 | $1,222 | 2.15 | -6.8% |
| Health care and social assistance | 583 | $950 | 0.78 | +0.0% |
| Retail trade | 474 | $667 | 0.98 | -6.7% |
| Accommodation and food services | 297 | $332 | 0.66 | +2.1% |
| Wholesale trade | 287 | $1,671 | 1.50 | -5.3% |
| Construction | 265 | $2,119 | 1.02 | -1.1% |
| Other services | 176 | $796 | 1.18 | +6.0% |
| Professional and technical services | 87 | $976 | 0.25 | +4.8% |
| Transportation and warehousing | 56 | $562 | 0.27 | +5.7% |
| Utilities | 38 | $2,294 | 1.93 | +2.7% |
| Arts, entertainment and recreation | 28 | $320 | 0.34 | -9.7% |
| Information | 27 | $1,093 | 0.29 | +22.7% |
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 #
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 #
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 #
49 gauges · 0 flooding · 7 with quality panels averaging 100 % · 12 stale
Sites found: 49, 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-05311000 | flow 581.0 ft³/s · no flooding | 17 km |
| USGS-05304995 | stage 39.2 ft | 18 km |
| USGS-05305000 | flow 109.0 ft³/s | 18 km |
| Watson Sag Weir near Watson 1N - Hwy 9 Bridge | no readings | 18 km |
| Hawk Creek (MN) near Maynard | no readings | 19 km |
| USGS-05304500 | flow 299.0 ft³/s | 20 km |
| USGS-05301000 | flow 341.0 ft³/s | 24 km |
| Lac Qui Parle Reservoir at Lac Qui Parle Dam Pool | no readings | 25 km |
| USGS-05311150 | flow 515.0 ft³/s · no flooding | 25 km |
| USGS-05300000 | stage 5.57 ft | 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-444630095002206 | depth 14.7 ft · 2018-10-09 | 52 km |
| USGS-444630095002207 | depth 17.9 ft · 2018-10-09 | 52 km |
| USGS-444630095002208 | depth 25.8 ft · 2018-10-09 | 52 km |
| USGS-444630095002209 | depth 99.5 ft · 2018-10-09 | 52 km |
| USGS-444630095002203 | depth 5.54 ft · 2018-10-09 | 52 km |
| USGS-444630095002205 | depth 6.44 ft · 2018-10-09 | 52 km |
| USGS-443053094591001 | depth 47.6 ft · 2026-10-05 | 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 #
$524.3 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 3,724, highly concentrated. $107.9 m federal obligations in FY2026 (direct payments $88.4 m, grants $11.2 m), $21,672 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Alliance Bank | $274.5 m · 52.4% share · 3 offices | |
| Minnwest Bank | $124.2 m · 23.7% share · 2 offices | |
| Old National Bank | $105.8 m · 20.2% share · 1 office | |
| Chippewa, MN | $107.9 m FY2026 · $21,672/job | |
| MULTIPLE RECIPIENTS | $64.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Alliance Bank | $274,510,000 | 52.4% | 3 |
| Minnwest Bank | $124,224,000 | 23.7% | 2 |
| Old National Bank | $105,838,000 | 20.2% | 1 |
| Prairie Sun Bank | $19,757,000 | 3.8% | 1 |
Deposit concentration is 3,724 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 52.4² + 23.7² + 20.2² + … (1 more) = 3,724
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 | $57,652,013 |
| Department of Agriculture | $21,881,396 |
| Department of Veterans Affairs | $11,598,817 |
| Department of Defense | $8,210,276 |
| Department of Transportation | $3,730,789 |
| Department of Health and Human Services | $2,108,219 |
| Department of Housing and Urban Development | $1,770,547 |
| Department of the Interior | $457,310 |
| Railroad Retirement Board | $379,995 |
| Federal Communications Commission | $217,921 |
| Department of Education | -$4,000 |
| Department of Justice | -$77,077 |
That is $21,672 per covered job, against 4,980 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $107.9 m / 4,980 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,672
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 #
Chippewa County, MN: 8 findings, 1 at an alert level, 1 at a watch level and 6 noted
alertChippewa County, MN's covered employment is -3.3% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchChippewa County, MN's covered employment is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteChippewa County, MN's average weekly wage was 9.0% 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
- +9 % = 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
noteChippewa County, MN's covered employment was 3.3% 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
- -3.3 % = 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
noteChippewa County, MN's typical home value fell 0.3% from $222,751 in July 2026 to $222,095 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (222094.9072652521 - 222751.47821966614) / 222751.47821966614 × 100
- 222094.9072652521 = Zillow ZHVI, 2026-08
- 222751.47821966614 = Zillow ZHVI, 2026-07
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.