Douglas County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.94, -95.46.
Assembled 2026-10-06. Read the brief.
- 79th pct · 633rd of 3,063 US counties · median $234,566
- 83rd pct · 15th of 87 Minnesota counties · median $276,116
- 53rd pct · 1,437th of 3,063 US counties · median +2.9%
- 37th pct · 55th of 87 Minnesota counties · median +4.1%
- 59th pct · 569th of 1,399 US counties · median $1,496
- 78th pct · 9th of 38 Minnesota counties · median $1,295
- 70th pct · 963rd of 3,221 US counties · median 8,232
- 75th pct · 22nd of 87 Minnesota counties · median 7,739
- 81st pct · 610th of 3,221 US counties · median $1,039
- 83rd pct · 15th of 87 Minnesota counties · median $1,102
- 70th pct · 897th of 3,063 US counties · median 4.3
- 68th pct · 28th 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 $351,240 (Aug 2026), +3.2% over one year, +25.3% over five
- 79th pct · 633rd of 3,063 US counties · median $234,566
- 83rd pct · 15th of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Douglas County, MN | $351,240 · +3.2% 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 $1,612/mo (Aug 2026), n/a over one year; price-to-rent 18.2
- 59th pct · 569th of 1,399 US counties · median $1,496
- 78th pct · 9th of 38 Minnesota counties · median $1,295
| Item | Value | Distance |
|---|---|---|
| Douglas County, MN | $1,612/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 $1,923 a month on $351,240 at 7.28%, against an average weekly wage worth $5,421 a month: 35.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $351,240 × 80% = $280,992, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,923/mo principal and interest
- wage share = payment / (avg weekly wage $1,251 × 52 / 12 = $5,421) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $351,240 / ($1,251 × 52) = 5.4
- price-to-rent = $351,240 / ($1,612 × 12) = 18.2
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 #
19,015 jobs at 1,465 employers (2026 Q1); 0.0% jobs and +5.5% average weekly wage over the year
- 70th pct · 963rd of 3,221 US counties · median 8,232
- 75th pct · 22nd of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Douglas County, MN | 19,015 jobs · $1,251/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,496 | $1,952 | 2.29 | -3.0% |
| Health care and social assistance | 3,340 | $1,212 | 1.17 | +39.3% |
| Retail trade | 2,550 | $672 | 1.38 | +1.1% |
| Accommodation and food services | 1,664 | $423 | 0.97 | -6.0% |
| Construction | 1,008 | $1,421 | 1.01 | -0.1% |
| Wholesale trade | 870 | $1,458 | 1.19 | -3.5% |
| Other services | 785 | $664 | 1.38 | +9.8% |
| Finance and insurance | 547 | $3,145 | 0.71 | +3.2% |
| Administrative and waste services | 428 | $600 | 0.40 | +0.7% |
| Arts, entertainment and recreation | 276 | $431 | 0.88 | +3.0% |
| Transportation and warehousing | 257 | $1,291 | 0.32 | +9.4% |
| Information | 147 | $1,353 | 0.42 | -3.9% |
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 #
D1 moderate 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 #
7 gauges · 0 flooding · 1 with quality panels averaging 100 % · 2 stale
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-05244780 | stage 12.0 ft · STALE | 6 km |
| USGS-05244810 | stage 16.8 ft · STALE | 8 km |
| USGS-455927095123101 | temp 10.6 °C · quality 100 % (1) | 21 km |
| USGS-05245100 | flow 56.4 ft³/s | 46 km |
| USGS-05045950 | stage 64.2 ft | 63 km |
| USGS-05046000 | flow 334.0 ft³/s | 64 km |
| USGS-05030500 | flow 325.0 ft³/s | 64 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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-455927095123101 | depth 7.64 ft · 2026-10-05 | 21 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.7 bn in deposits at 20 offices of 15 banks (SOD June 2026); HHI 1,125, moderately concentrated. $418.9 m federal obligations in FY2026 (direct payments $391.9 m, grants $26.2 m), $22,031 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $318.7 m · 18.3% share · 3 offices | |
| Bell Bank | $286.2 m · 16.4% share · 1 office | |
| VIKING BANK, NATIONAL ASSOCIATION | $240.0 m · 13.7% share · 2 offices | |
| Douglas, MN | $418.9 m FY2026 · $22,031/job | |
| MULTIPLE RECIPIENTS | $370.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $318,683,000 | 18.3% | 3 |
| Bell Bank | $286,234,000 | 16.4% | 1 |
| VIKING BANK, NATIONAL ASSOCIATION | $240,029,000 | 13.7% | 2 |
| Glenwood State Bank (Incorporated) | $206,662,000 | 11.8% | 1 |
| Wells Fargo Bank, National Association | $136,805,000 | 7.8% | 1 |
| First Western Bank & Trust | $113,660,000 | 6.5% | 3 |
| U.S. Bank National Association | $85,088,000 | 4.9% | 1 |
| The First National Bank of Osakis | $80,949,000 | 4.6% | 1 |
| Kensington Bank | $73,504,000 | 4.2% | 1 |
| Vantage Bank | $64,319,000 | 3.7% | 1 |
Deposit concentration is 1,125 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 = 18.3² + 16.4² + 13.7² + … (12 more) = 1,125
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 | $259,010,156 |
| Department of Health and Human Services | $87,736,378 |
| Department of Veterans Affairs | $26,374,708 |
| Department of Transportation | $18,218,880 |
| Department of Agriculture | $17,780,816 |
| Department of Education | $3,530,513 |
| Department of Housing and Urban Development | $2,782,752 |
| Railroad Retirement Board | $2,479,202 |
| Department of Defense | $576,838 |
| Federal Communications Commission | $485,634 |
| Department of the Interior | $10,600 |
| Small Business Administration | $2,625 |
That is $22,031 per covered job, against 19,015 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $418.9 m / 19,015 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,031
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 #
Douglas County, MN: 6 findings, 1 at a watch level and 5 noted
watchDouglas County, MN's price-to-rent ratio of 18.2 scores 60 on the 0-to-100 scale across US counties but 19 across Minnesota counties, a gap of 41 points.
Period 2026-08.Show the arithmetic
- 41 = |60 across US counties - 19 across Minnesota counties|
- 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
noteDouglas County, MN's average weekly wage was 5.5% 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
- +5.5 % = 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
noteDouglas County, MN's typical asking rent rose 0.5% from $1,604 in July 2026 to $1,612 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.5% = (1611.9444444444443 - 1604.0614540474712) / 1604.0614540474712 × 100
- 1611.9444444444443 = Zillow ZORI, 2026-08
- 1604.0614540474712 = Zillow ZORI, 2026-07
noteDouglas County, MN's typical home value rose 0.3% from $350,249 in July 2026 to $351,240 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (351239.98677521263 - 350248.82712431974) / 350248.82712431974 × 100
- 351239.98677521263 = Zillow ZHVI, 2026-08
- 350248.82712431974 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Douglas County, MN is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
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.