Stevens County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.59, -95.99.
Assembled 2026-10-07. Read the brief.
- 42nd pct · 1,749th of 3,063 US counties · median $234,566
- 24th pct · 66th of 87 Minnesota counties · median $276,116
- 88th pct · 356th of 3,063 US counties · median +2.9%
- 88th pct · 11th of 87 Minnesota counties · median +4.1%
- US counties: not published this period
- Minnesota counties: not published this period
- 40th pct · 1,918th of 3,221 US counties · median 8,232
- 39th pct · 53rd of 87 Minnesota counties · median 7,739
- 70th pct · 952nd of 3,221 US counties · median $1,039
- 72nd pct · 25th of 87 Minnesota counties · median $1,102
- 34th pct · 2,005th of 3,063 US counties · median 4.3
- 19th pct · 70th 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 $216,494 (Aug 2026), +7.5% over one year, +14.7% over five
- 42nd pct · 1,749th of 3,063 US counties · median $234,566
- 24th pct · 66th of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Stevens County, MN | $216,494 · +7.5% 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 #
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 $1,185 a month on $216,494 at 7.28%, against an average weekly wage worth $4,988 a month: 23.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $216,494 × 80% = $173,195, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,185/mo principal and interest
- wage share = payment / (avg weekly wage $1,151 × 52 / 12 = $4,988) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $216,494 / ($1,151 × 52) = 3.6
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 #
5,626 jobs at 384 employers (2026 Q1); +0.5% jobs and +1.7% average weekly wage over the year
- 40th pct · 1,918th of 3,221 US counties · median 8,232
- 39th pct · 53rd of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Stevens County, MN | 5,626 jobs · $1,151/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 883 | $1,613 | 1.95 | -3.6% |
| Retail trade | 499 | $668 | 0.91 | +5.9% |
| Accommodation and food services | 360 | $293 | 0.71 | -8.2% |
| Wholesale trade | 157 | $1,299 | 0.73 | -7.1% |
| Construction | 146 | $1,186 | 0.50 | -2.0% |
| Professional and technical services | 108 | $1,494 | 0.28 | -4.4% |
| Other services | 83 | $396 | 0.49 | +5.1% |
| Information | 37 | $1,478 | 0.36 | -21.3% |
| Arts, entertainment and recreation | 13 | $261 | 0.14 | -18.8% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$392.9 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,738, highly concentrated. $66.2 m federal obligations in FY2026 (direct payments $58.6 m, grants $6.8 m), $11,768 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $162.8 m · 41.4% share · 1 office | |
| National Bank of Commerce | $89.8 m · 22.9% share · 1 office | |
| Dacotah Bank | $73.5 m · 18.7% share · 1 office | |
| Stevens, MN | $66.2 m FY2026 · $11,768/job | |
| MULTIPLE RECIPIENTS | $42.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $162,804,000 | 41.4% | 1 |
| National Bank of Commerce | $89,787,000 | 22.9% | 1 |
| Dacotah Bank | $73,515,000 | 18.7% | 1 |
| BMO Bank National Association | $38,982,000 | 9.9% | 1 |
| Star Bank | $27,822,000 | 7.1% | 1 |
Deposit concentration is 2,738 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 41.4² + 22.9² + 18.7² + … (2 more) = 2,738
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 | $38,556,068 |
| Department of Agriculture | $12,030,353 |
| Department of Transportation | $5,856,744 |
| Department of Education | $3,225,418 |
| Department of Veterans Affairs | $3,152,131 |
| Department of Housing and Urban Development | $2,293,707 |
| Railroad Retirement Board | $670,495 |
| National Science Foundation | $200,000 |
| Department of the Interior | $112,368 |
| Small Business Administration | $56,175 |
| Department of Health and Human Services | $50,000 |
| Federal Communications Commission | $3,620 |
That is $11,768 per covered job, against 5,626 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $66.2 m / 5,626 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,768
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 #
Stevens County, MN: 5 findings, 5 noted
noteStevens County, MN's average weekly wage was 1.7% 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
- +1.7 % = 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
noteStevens County, MN's covered employment was 0.5% 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
- +0.5 % = 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
noteStevens County, MN's typical home value fell 0.3% from $217,111 in July 2026 to $216,494 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (216493.75108111752 - 217111.37064803657) / 217111.37064803657 × 100
- 216493.75108111752 = Zillow ZHVI, 2026-08
- 217111.37064803657 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Stevens 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Stevens County, MN is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.