Marshall County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 48.36, -96.36.
Assembled 2026-10-06. Read the brief.
- 37th pct · 1,921st of 3,063 US counties · median $234,566
- 16th pct · 73rd of 87 Minnesota counties · median $276,116
- 86th pct · 413th of 3,063 US counties · median +2.9%
- 86th pct · 13th of 87 Minnesota counties · median +4.1%
- US counties: not published this period
- Minnesota counties: not published this period
- 18th pct · 2,616th of 3,221 US counties · median 8,232
- 12th pct · 76th of 87 Minnesota counties · median 7,739
- 62nd pct · 1,214th of 3,221 US counties · median $1,039
- 47th pct · 46th of 87 Minnesota counties · median $1,102
- 32nd pct · 2,079th of 3,063 US counties · median 4.3
- 15th pct · 74th 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 $201,036 (Aug 2026), +7.1% over one year, +3.0% over five
- 37th pct · 1,921st of 3,063 US counties · median $234,566
- 16th pct · 73rd of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Marshall County, MN | $201,036 · +7.1% 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 #
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 $1,100 a month on $201,036 at 7.28%, against an average weekly wage worth $4,762 a month: 23.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $201,036 × 80% = $160,829, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,100/mo principal and interest
- wage share = payment / (avg weekly wage $1,099 × 52 / 12 = $4,762) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $201,036 / ($1,099 × 52) = 3.5
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 #
2,302 jobs at 360 employers (2026 Q1); +1.8% jobs and +5.6% average weekly wage over the year
- 18th pct · 2,616th of 3,221 US counties · median 8,232
- 12th pct · 76th of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Marshall County, MN | 2,302 jobs · $1,099/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 280 | $1,140 | 1.51 | -4.4% |
| Retail trade | 240 | $631 | 1.07 | -3.6% |
| Wholesale trade | 179 | $2,112 | 2.03 | +12.6% |
| Construction | 101 | $1,462 | 0.84 | +12.2% |
| Other services | 61 | $359 | 0.89 | +0.0% |
| Professional and technical services | 27 | $1,119 | 0.17 | -12.9% |
| Information | 5 | $847 | 0.12 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld |
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 #
No drought class at this point (USDM covers the United States only)
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 #
24 gauges · 0 flooding · 5 with quality panels averaging 98 % · 7 stale
Sites found: 24, 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-05085420 | flow 0.07 ft³/s · STALE | 15 km |
| USGS-05076000 | flow 237.0 ft³/s | 24 km |
| USGS-05085450 | flow 77.3 ft³/s | 32 km |
| USGS-05087500 | flow 44.0 ft³/s | 34 km |
| USGS-05094000 | flow 2.45 ft³/s | 47 km |
| USGS-05078500 | flow 371.0 ft³/s | 53 km |
| USGS-05075000 | flow 345.0 ft³/s | 54 km |
| USGS-05078000 | flow 222.0 ft³/s | 54 km |
| USGS-05083500 | stage 7.24 ft | 61 km |
| USGS-05078520 | flow 0.00 ft³/s · STALE | 62 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-475538097042101 | depth 8.86 ft · 1975-05-29 | 72 km |
| USGS-481237097184702 | depth 3.95 ft · 1970-10-25 | 73 km |
| USGS-474126096165301 | depth 5.95 ft · 2026-10-05 | 75 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$416.2 m in deposits at 9 offices of 8 banks (SOD June 2026); HHI 1,630, moderately concentrated. $89.7 m federal obligations in FY2026 (direct payments $82.5 m, contracts $3.9 m), $38,955 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $113.5 m · 27.3% share · 1 office | |
| Frandsen Bank & Trust | $81.0 m · 19.5% share · 2 offices | |
| United Valley Bank | $50.0 m · 12.0% share · 1 office | |
| Marshall, MN | $89.7 m FY2026 · $38,955/job | |
| MULTIPLE RECIPIENTS | $55.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $113,515,000 | 27.3% | 1 |
| Frandsen Bank & Trust | $81,041,000 | 19.5% | 2 |
| United Valley Bank | $49,971,000 | 12.0% | 1 |
| Border Bank | $42,229,000 | 10.1% | 1 |
| American State Bank of Grygla | $38,820,000 | 9.3% | 1 |
| Marshall County State Bank | $38,238,000 | 9.2% | 1 |
| KodaBank | $35,028,000 | 8.4% | 1 |
| American Federal Bank | $17,339,000 | 4.2% | 1 |
Deposit concentration is 1,630 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 27.3² + 19.5² + 12.0² + … (5 more) = 1,630
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 | $47,446,743 |
| Department of Agriculture | $30,360,456 |
| Department of Veterans Affairs | $7,239,549 |
| Department of Transportation | $2,806,423 |
| Railroad Retirement Board | $635,457 |
| Department of the Interior | $472,366 |
| Department of Housing and Urban Development | $280,947 |
| Federal Communications Commission | $259,502 |
| Department of Education | $162,896 |
| Department of Homeland Security | $10,544 |
That is $38,955 per covered job, against 2,302 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $89.7 m / 2,302 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,955
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 #
Marshall County, MN: 7 findings, 7 noted
noteMarshall County, MN's average weekly wage was 5.6% 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
- +5.6 % = 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
noteMarshall County, MN's covered employment was 1.8% 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
- +1.8 % = 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
noteMarshall County, MN's typical home value fell 0.6% from $202,256 in July 2026 to $201,036 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.6% = (201036.26295678597 - 202255.91257130995) / 202255.91257130995 × 100
- 201036.26295678597 = Zillow ZHVI, 2026-08
- 202255.91257130995 = Zillow ZHVI, 2026-07
noteMarshall County, MN's momentum index of 0.74 ranks 148th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteMarshall County, MN's momentum index of 0.74 ranks 5th of 87 Minnesota counties, against a median of 0.30.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 87 Minnesota counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
Read all 7 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.