Crow Wing County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.49, -94.07.
Assembled 2026-10-06. Read the brief.
- 82nd pct · 535th of 3,063 US counties · median $234,566
- 88th pct · 11th of 87 Minnesota counties · median $276,116
- 56th pct · 1,340th of 3,063 US counties · median +2.9%
- 41st pct · 51st of 87 Minnesota counties · median +4.1%
- 25th pct · 1,036th of 1,399 US counties · median $1,496
- 40th pct · 23rd of 38 Minnesota counties · median $1,295
- 77th pct · 729th of 3,221 US counties · median 8,232
- 86th pct · 13th of 87 Minnesota counties · median 7,739
- 57th pct · 1,377th of 3,221 US counties · median $1,039
- 38th pct · 54th of 87 Minnesota counties · median $1,102
- 85th pct · 444th of 3,063 US counties · median 4.3
- 93rd pct · 7th 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 $372,726 (Aug 2026), +3.5% over one year, +28.3% over five
- 82nd pct · 535th of 3,063 US counties · median $234,566
- 88th pct · 11th of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Crow Wing County, MN | $372,726 · +3.5% 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 #
Typical rent $1,250/mo (Aug 2026), n/a over one year; price-to-rent 24.9
- 25th pct · 1,036th of 1,399 US counties · median $1,496
- 40th pct · 23rd of 38 Minnesota counties · median $1,295
| Item | Value | Distance |
|---|---|---|
| Crow Wing County, MN | $1,250/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 $2,040 a month on $372,726 at 7.28%, against an average weekly wage worth $4,650 a month: 43.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $372,726 × 80% = $298,181, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,040/mo principal and interest
- wage share = payment / (avg weekly wage $1,073 × 52 / 12 = $4,650) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $372,726 / ($1,073 × 52) = 6.7
- price-to-rent = $372,726 / ($1,250 × 12) = 24.9
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 #
29,435 jobs at 2,319 employers (2026 Q1); -1.1% jobs and +3.3% average weekly wage over the year
- 77th pct · 729th of 3,221 US counties · median 8,232
- 86th pct · 13th of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Crow Wing County, MN | 29,435 jobs · $1,073/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,106 | $1,272 | 1.38 | +0.2% |
| Retail trade | 4,481 | $798 | 1.56 | -2.7% |
| Accommodation and food services | 3,600 | $512 | 1.36 | -3.1% |
| Manufacturing | 2,796 | $1,178 | 1.18 | -0.5% |
| Construction | 1,929 | $1,433 | 1.25 | +0.0% |
| Other services | 1,168 | $573 | 1.33 | +0.0% |
| Finance and insurance | 1,117 | $1,840 | 0.93 | -1.9% |
| Professional and technical services | 766 | $1,580 | 0.38 | -4.7% |
| Educational services | 708 | $479 | 1.12 | +2.2% |
| Wholesale trade | 672 | $1,417 | 0.60 | -19.5% |
| Administrative and waste services | 587 | $696 | 0.35 | +5.0% |
| Transportation and warehousing | 517 | $956 | 0.42 | +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 #
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 #
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$2.1 bn in deposits at 32 offices of 15 banks (SOD June 2026); HHI 1,147, moderately concentrated. $598.3 m federal obligations in FY2026 (direct payments $544.5 m, grants $51.2 m), $20,326 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $345.6 m · 16.7% share · 2 offices | |
| Deerwood Bank | $321.7 m · 15.5% share · 4 offices | |
| First National Bank North | $287.1 m · 13.9% share · 4 offices | |
| Crow Wing, MN | $598.3 m FY2026 · $20,326/job | |
| MULTIPLE RECIPIENTS | $528.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $345,606,000 | 16.7% | 2 |
| Deerwood Bank | $321,659,000 | 15.5% | 4 |
| First National Bank North | $287,061,000 | 13.9% | 4 |
| American National Bank of Minnesota | $226,231,000 | 10.9% | 4 |
| Wells Fargo Bank, National Association | $217,824,000 | 10.5% | 1 |
| First Western Bank & Trust | $216,402,000 | 10.4% | 4 |
| U.S. Bank National Association | $132,859,000 | 6.4% | 1 |
| National Bank of Commerce | $109,911,000 | 5.3% | 3 |
| Frandsen Bank & Trust | $89,372,000 | 4.3% | 2 |
| Unity Bank | $40,449,000 | 2.0% | 1 |
Deposit concentration is 1,147 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 16.7² + 15.5² + 13.9² + … (12 more) = 1,147
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 | $462,362,259 |
| Department of Veterans Affairs | $58,026,039 |
| Department of Transportation | $54,407,037 |
| Railroad Retirement Board | $7,513,441 |
| Department of Education | $5,680,942 |
| Department of Housing and Urban Development | $5,198,326 |
| Department of Defense | $3,543,935 |
| Department of Health and Human Services | $1,384,565 |
| Department of the Interior | $154,963 |
| National Science Foundation | $129,579 |
| Federal Communications Commission | $75,997 |
| Small Business Administration | $0 |
That is $20,326 per covered job, against 29,435 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $598.3 m / 29,435 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,326
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 #
Crow Wing County, MN: 8 findings, 2 at a watch level and 6 noted
watchCrow Wing County, MN's price-to-rent ratio of 24.9 ranks 91st of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 93.56223175965665 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchCrow Wing County, MN's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCrow Wing County, MN's average weekly wage was 3.3% 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
- +3.3 % = 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
noteCrow Wing County, MN's typical asking rent rose 1.7% from $1,229 in July 2026 to $1,250 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.7% = (1249.6527777777776 - 1228.9045107751313) / 1228.9045107751313 × 100
- 1249.6527777777776 = Zillow ZORI, 2026-08
- 1228.9045107751313 = Zillow ZORI, 2026-07
noteCrow Wing County, MN's covered employment was 1.1% 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
- -1.1 % = 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 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.