Chisago County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.51, -92.90.
Assembled 2026-10-06. Read the brief.
- 84th pct · 482nd of 3,063 US counties · median $234,566
- 90th pct · 9th of 87 Minnesota counties · median $276,116
- 42nd pct · 9th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $388,061
- 45th pct · 1,663rd of 3,063 US counties · median +2.9%
- 29th pct · 62nd of 87 Minnesota counties · median +4.1%
- 71st pct · 5th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median +1.8%
- 45th pct · 765th of 1,399 US counties · median $1,496
- 59th pct · 16th of 38 Minnesota counties · median $1,295
- 7th pct · 13th of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,686
- 65th pct · 1,100th of 3,221 US counties · median 8,232
- 69th pct · 27th of 87 Minnesota counties · median 7,739
- 28th pct · 11th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
- 77th pct · 712th of 3,221 US counties · median $1,039
- 80th pct · 18th of 87 Minnesota counties · median $1,102
- 50th pct · 8th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,216
- 80th pct · 607th of 3,063 US counties · median 4.3
- 80th pct · 18th of 87 Minnesota counties · median 4.6
- 28th pct · 11th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 6.4
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 $387,015 (Aug 2026), +2.6% over one year, +12.4% over five
- 84th pct · 482nd of 3,063 US counties · median $234,566
- 90th pct · 9th of 87 Minnesota counties · median $276,116
- 42nd pct · 9th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $388,061
| Item | Value | Distance |
|---|---|---|
| Chisago County, MN | $387,015 · +2.6% 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 $1,449/mo (Aug 2026), n/a over one year; price-to-rent 22.3
- 45th pct · 765th of 1,399 US counties · median $1,496
- 59th pct · 16th of 38 Minnesota counties · median $1,295
- 7th pct · 13th of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,686
| Item | Value | Distance |
|---|---|---|
| Chisago County, MN | $1,449/mo · n/a 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 $2,118 a month on $387,015 at 7.28%, against an average weekly wage worth $5,269 a month: 40.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $387,015 × 80% = $309,612, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,118/mo principal and interest
- wage share = payment / (avg weekly wage $1,216 × 52 / 12 = $5,269) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $387,015 / ($1,216 × 52) = 6.1
- price-to-rent = $387,015 / ($1,449 × 12) = 22.3
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 #
15,731 jobs at 1,383 employers (2026 Q1); -0.1% jobs and +10.4% average weekly wage over the year
- 65th pct · 1,100th of 3,221 US counties · median 8,232
- 69th pct · 27th of 87 Minnesota counties · median 7,739
- 28th pct · 11th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
| Item | Value | Distance |
|---|---|---|
| Chisago County, MN | 15,731 jobs · $1,216/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,843 | $1,205 | 1.62 | +0.4% |
| Manufacturing | 2,667 | $1,363 | 2.11 | +0.6% |
| Retail trade | 1,717 | $747 | 1.12 | +1.0% |
| Accommodation and food services | 1,206 | $470 | 0.85 | -3.4% |
| Construction | 911 | $1,394 | 1.10 | +7.2% |
| Professional and technical services | 596 | $4,616 | 0.55 | -8.9% |
| Other services | 450 | $765 | 0.96 | -10.5% |
| Wholesale trade | 421 | $1,213 | 0.70 | -3.2% |
| Arts, entertainment and recreation | 343 | $418 | 1.32 | +5.5% |
| Administrative and waste services | 330 | $1,086 | 0.37 | -3.5% |
| Finance and insurance | 171 | $1,793 | 0.27 | +11.0% |
| Educational services | 82 | $748 | 0.24 | -25.5% |
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 #
D2 severe drought
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 #
59 gauges · 0 flooding · 19 with quality panels averaging 96 % · 26 stale
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 |
|---|---|---|
| Sunrise River at Sunrise | no readings | 6 km |
| USGS-05340390 | flow 69.0 ft³/s · STALE | 15 km |
| USGS-05340500 | flow 1,610 ft³/s · quality 100 % (1) | 23 km |
| USGS-05286290 | flow 6.50 ft³/s · STALE | 27 km |
| USGS-05341405 | flow 0.02 ft³/s · STALE | 33 km |
| USGS-05341404 | flow 0.00 ft³/s · STALE | 33 km |
| USGS-05341375 | flow 5.10 ft³/s · STALE | 34 km |
| USGS-05341402 | flow 0.98 ft³/s · STALE | 36 km |
| Snake River (MN) at Grasston | no readings | 37 km |
| USGS-05338500 | flow 97.0 ft³/s · no flooding | 37 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 #
44 wells in 0 named aquifers:
Sites found: 44, 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-453013092314601 | depth 32.3 ft · 2017-11-01 | 31 km |
| USGS-454953092432502 | depth 7.67 ft · 2026-10-05 | 39 km |
| USGS-454953092432501 | depth 2.17 ft · 2019-10-30 | 39 km |
| USGS-454952092414701 | depth 4.34 ft · 2020-07-20 | 40 km |
| USGS-454952092406001 | depth 6.75 ft · 2020-07-20 | 40 km |
| USGS-454952092405401 | depth 1.26 ft · 2020-07-20 | 40 km |
| USGS-455045092432401 | depth 6.86 ft · 2020-07-20 | 40 km |
| USGS-450927093033802 | depth 10.6 ft · 1999-09-29 | 41 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 #
moderate (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.04 / 0.55
Banks & federal dollars #
$781.1 m in deposits at 9 offices of 7 banks (SOD June 2026); HHI 1,950, highly concentrated. $396.9 m federal obligations in FY2026 (direct payments $359.3 m, grants $35.5 m), $25,230 per covered job
| Item | Value | Distance |
|---|---|---|
| First Resource Bank | $262.0 m · 33.5% share · 3 offices | |
| Associated Bank, National Association | $134.9 m · 17.3% share · 1 office | |
| Nicolet National Bank | $103.3 m · 13.2% share · 1 office | |
| Chisago, MN | $396.9 m FY2026 · $25,230/job | |
| MULTIPLE RECIPIENTS | $353.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Resource Bank | $262,026,000 | 33.5% | 3 |
| Associated Bank, National Association | $134,921,000 | 17.3% | 1 |
| Nicolet National Bank | $103,297,000 | 13.2% | 1 |
| U.S. Bank National Association | $103,141,000 | 13.2% | 1 |
| Unity Bank | $71,578,000 | 9.2% | 1 |
| Security State Bank of Marine | $57,607,000 | 7.4% | 1 |
| Neighborhood National Bank | $48,483,000 | 6.2% | 1 |
Deposit concentration is 1,950 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 = 33.5² + 17.3² + 13.2² + … (4 more) = 1,950
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 | $309,113,283 |
| Department of Veterans Affairs | $42,376,448 |
| Department of Transportation | $35,205,537 |
| Railroad Retirement Board | $3,900,695 |
| Department of Agriculture | $3,671,455 |
| Federal Communications Commission | $1,632,579 |
| Department of Housing and Urban Development | $869,887 |
| Department of Homeland Security | $83,333 |
| Department of Commerce | $32,928 |
| Department of the Interior | $6,000 |
| Department of Education | $0 |
| Small Business Administration | $0 |
That is $25,230 per covered job, against 15,731 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $396.9 m / 15,731 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,230
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 #
Chisago County, MN: 9 findings, 1 at a watch level and 8 noted
watchChisago County, MN's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteChisago County, MN's average weekly wage was 10.4% 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
- +10.4 % = 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
noteChisago County, MN's typical asking rent rose 2.2% from $1,417 in July 2026 to $1,449 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.2% = (1449.1666666666667 - 1417.437961077979) / 1417.437961077979 × 100
- 1449.1666666666667 = Zillow ZORI, 2026-08
- 1417.437961077979 = Zillow ZORI, 2026-07
noteChisago County, MN's covered employment was 0.1% 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
- -0.1 % = 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
noteChisago County, MN's price-to-rent ratio of 22.3 ranks 2nd of 14 counties in the Minneapolis-St. Paul-Bloomington metro, against a median of 19.5.
Period 2026-08.Show the arithmetic
- 92 on the 0-to-100 scale across 14 counties in the Minneapolis-St. Paul-Bloomington metro that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
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.