Kandiyohi County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.15, -95.00.
Assembled 2026-10-06. Read the brief.
- 65th pct · 1,049th of 3,063 US counties · median $234,566
- 54th pct · 40th of 87 Minnesota counties · median $276,116
- 39th pct · 1,848th of 3,063 US counties · median +2.9%
- 15th pct · 74th of 87 Minnesota counties · median +4.1%
- 4th pct · 1,332nd of 1,399 US counties · median $1,496
- 2nd pct · 37th of 38 Minnesota counties · median $1,295
- 73rd pct · 857th of 3,221 US counties · median 8,232
- 81st pct · 17th of 87 Minnesota counties · median 7,739
- 61st pct · 1,236th of 3,221 US counties · median $1,039
- 46th pct · 47th of 87 Minnesota counties · median $1,102
- 64th pct · 1,085th of 3,063 US counties · median 4.3
- 60th pct · 35th 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 $284,818 (Aug 2026), +2.1% over one year, +24.9% over five
- 65th pct · 1,049th of 3,063 US counties · median $234,566
- 54th pct · 40th of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Kandiyohi County, MN | $284,818 · +2.1% 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 $925/mo (Aug 2026), n/a over one year; price-to-rent 25.7
- 4th pct · 1,332nd of 1,399 US counties · median $1,496
- 2nd pct · 37th of 38 Minnesota counties · median $1,295
| Item | Value | Distance |
|---|---|---|
| Kandiyohi County, MN | $925/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 $1,559 a month on $284,818 at 7.28%, against an average weekly wage worth $4,749 a month: 32.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $284,818 × 80% = $227,855, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,559/mo principal and interest
- wage share = payment / (avg weekly wage $1,096 × 52 / 12 = $4,749) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $284,818 / ($1,096 × 52) = 5.0
- price-to-rent = $284,818 / ($925 × 12) = 25.7
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 #
22,538 jobs at 1,423 employers (2026 Q1); -1.1% jobs and +8.3% average weekly wage over the year
- 73rd pct · 857th of 3,221 US counties · median 8,232
- 81st pct · 17th of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Kandiyohi County, MN | 22,538 jobs · $1,096/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 5,481 | $915 | 1.62 | -3.1% |
| Retail trade | 2,698 | $787 | 1.23 | -6.0% |
| Manufacturing | 2,610 | $1,249 | 1.44 | +0.3% |
| Accommodation and food services | 1,409 | $432 | 0.70 | -1.9% |
| Construction | 1,293 | $2,081 | 1.09 | +3.2% |
| Administrative and waste services | 838 | $884 | 0.65 | +16.2% |
| Wholesale trade | 725 | $1,886 | 0.84 | -0.7% |
| Professional and technical services | 633 | $1,560 | 0.41 | +5.5% |
| Other services | 562 | $646 | 0.83 | +1.6% |
| Finance and insurance | 469 | $1,508 | 0.51 | +0.9% |
| Management of companies | 183 | $2,523 | 0.48 | +2.8% |
| Information | 178 | $1,928 | 0.43 | -3.8% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.7 bn in deposits at 20 offices of 13 banks (SOD June 2026); HHI 1,199, moderately concentrated. $382.2 m federal obligations in FY2026 (direct payments $306.6 m, contracts $58.6 m), $16,959 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $393.0 m · 23.2% share · 1 office | |
| Heritage Bank National Association | $280.2 m · 16.6% share · 4 offices | |
| Wells Fargo Bank, National Association | $178.6 m · 10.6% share · 1 office | |
| Kandiyohi, MN | $382.2 m FY2026 · $16,959/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $392,960,000 | 23.2% | 1 |
| Heritage Bank National Association | $280,198,000 | 16.6% | 4 |
| Wells Fargo Bank, National Association | $178,582,000 | 10.6% | 1 |
| Lake Region Bank | $139,061,000 | 8.2% | 3 |
| PrinsBank | $119,314,000 | 7.1% | 1 |
| Home State Bank | $115,775,000 | 6.8% | 1 |
| Concorde Bank | $79,081,000 | 4.7% | 2 |
| U.S. Bank National Association | $70,213,000 | 4.2% | 1 |
| United Prairie Bank | $69,889,000 | 4.1% | 1 |
| Citizens Alliance Bank | $67,645,000 | 4.0% | 1 |
Deposit concentration is 1,199 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 23.2² + 16.6² + 10.6² + … (10 more) = 1,199
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 #
That is $16,959 per covered job, against 22,538 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $382.2 m / 22,538 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,959
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 #
Kandiyohi County, MN: 11 findings, 4 at a watch level and 7 noted
watchKandiyohi County, MN's price-to-rent ratio of 25.7 ranks 74th 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 = 94.77825464949929 >= 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
watchKandiyohi 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
watchKandiyohi County, MN's price-to-rent ratio is 25.7, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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 2026-08.Show the arithmetic
- test: priceToRent = 25.67041151968186 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchKandiyohi County, MN's typical asking rent is -1.4% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-08.Show the arithmetic
- test: rent.momPct = -1.4441811324237566 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteKandiyohi County, MN's average weekly wage was 8.3% 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
- +8.3 % = 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
Read all 11 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.