Pine County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.10, -92.76.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,238th of 3,063 US counties · median $234,566
- 45th pct · 48th of 87 Minnesota counties · median $276,116
- 67th pct · 981st of 3,063 US counties · median +2.9%
- 55th pct · 39th of 87 Minnesota counties · median +4.1%
- US counties: not published this period
- Minnesota counties: not published this period
- 47th pct · 1,690th of 3,221 US counties · median 8,232
- 47th pct · 46th of 87 Minnesota counties · median 7,739
- 17th pct · 2,658th of 3,221 US counties · median $1,039
- 1st pct · 86th of 87 Minnesota counties · median $1,102
- 74th pct · 774th of 3,063 US counties · median 4.3
- 75th pct · 22nd 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 $262,281 (Aug 2026), +4.6% over one year, +30.6% over five
- 59th pct · 1,238th of 3,063 US counties · median $234,566
- 45th pct · 48th of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Pine County, MN | $262,281 · +4.6% 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 #
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 $1,436 a month on $262,281 at 7.28%, against an average weekly wage worth $3,857 a month: 37.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $262,281 × 80% = $209,825, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,436/mo principal and interest
- wage share = payment / (avg weekly wage $890 × 52 / 12 = $3,857) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $262,281 / ($890 × 52) = 5.7
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 #
7,449 jobs at 724 employers (2026 Q1); -1.4% jobs and +3.6% average weekly wage over the year
- 47th pct · 1,690th of 3,221 US counties · median 8,232
- 47th pct · 46th of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Pine County, MN | 7,449 jobs · $890/wk · -1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,169 | $596 | 1.61 | +11.0% |
| Accommodation and food services | 860 | $425 | 1.29 | -0.9% |
| Health care and social assistance | 757 | $916 | 0.68 | -10.1% |
| Manufacturing | 337 | $917 | 0.56 | +10.9% |
| Construction | 336 | $1,186 | 0.86 | +4.7% |
| Professional and technical services | 181 | $1,399 | 0.35 | -9.0% |
| Finance and insurance | 150 | $1,539 | 0.49 | +6.4% |
| Other services | 145 | $601 | 0.65 | -2.0% |
| Transportation and warehousing | 128 | $698 | 0.41 | +4.9% |
| Educational services | 128 | $1,043 | 0.80 | -11.1% |
| Information | 101 | $1,112 | 0.74 | -28.4% |
| Wholesale trade | 67 | $715 | 0.23 | -5.6% |
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 #
D3 extreme 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 (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$489.6 m in deposits at 12 offices of 6 banks (SOD June 2026); HHI 2,608, highly concentrated. $214.9 m federal obligations in FY2026 (direct payments $211.4 m, grants $2.2 m), $28,852 per covered job
| Item | Value | Distance |
|---|---|---|
| Northview Bank | $207.7 m · 42.4% share · 6 offices | |
| Frandsen Bank & Trust | $97.3 m · 19.9% share · 1 office | |
| Stearns Bank National Association | $65.3 m · 13.3% share · 1 office | |
| Pine, MN | $214.9 m FY2026 · $28,852/job | |
| MULTIPLE RECIPIENTS | $206.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Northview Bank | $207,691,000 | 42.4% | 6 |
| Frandsen Bank & Trust | $97,342,000 | 19.9% | 1 |
| Stearns Bank National Association | $65,273,000 | 13.3% | 1 |
| U.S. Bank National Association | $62,795,000 | 12.8% | 1 |
| Woodlands National Bank | $36,158,000 | 7.4% | 2 |
| Northwoods Bank of Minnesota | $20,382,000 | 4.2% | 1 |
Deposit concentration is 2,608 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 42.4² + 19.9² + 13.3² + … (3 more) = 2,608
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 | $176,999,412 |
| Department of Veterans Affairs | $27,195,606 |
| Railroad Retirement Board | $2,650,659 |
| Department of Agriculture | $2,629,686 |
| Department of Education | $1,857,170 |
| Department of Transportation | $1,321,650 |
| Department of Justice | $1,028,329 |
| Department of Housing and Urban Development | $846,247 |
| Department of the Interior | $263,180 |
| Federal Communications Commission | $74,443 |
| General Services Administration | $55,178 |
| Department of Defense | $100 |
That is $28,852 per covered job, against 7,449 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $214.9 m / 7,449 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,852
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 #
Pine County, MN: 6 findings, 1 at a watch level and 5 noted
watchPine County, MN's covered employment is -1.4% 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 = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
notePine County, MN's average weekly wage was 3.6% 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
- +3.6 % = 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
notePine County, MN's covered employment was 1.4% 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
- -1.4 % = 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
notePine County, MN's typical home value rose 0.7% from $260,331 in July 2026 to $262,281 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (262281.1127173475 - 260330.55623198705) / 260330.55623198705 × 100
- 262281.1127173475 = Zillow ZHVI, 2026-08
- 260330.55623198705 = Zillow ZHVI, 2026-07
notePine County, MN's average weekly wage of $890 ranks 86th of 87 Minnesota counties, against a median of $1,102.
Period 2026 Q1.Show the arithmetic
- 1 on the 0-to-100 scale across 87 Minnesota counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
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.