Todd County, MN

Home values #

Typical home $276,116 (Aug 2026), +6.0% over one year, +26.1% over five

• 63rd pct · 1,124th of 3,063 US counties · median $234,566
• 50th pct · 44th of 87 Minnesota counties · median $276,116

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 $1,511 a month on $276,116 at 7.28%, against an average weekly wage worth $4,702 a month: 32.1% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $276,116 × 80% = $220,893, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,511/mo principal and interest
• wage share = payment / (avg weekly wage $1,085 × 52 / 12 = $4,702) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $276,116 / ($1,085 × 52) = 4.9

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 #

6,954 jobs at 625 employers (2026 Q1); -1.2% jobs and +4.3% average weekly wage over the year

• 45th pct · 1,747th of 3,221 US counties · median 8,232
• 46th pct · 47th of 87 Minnesota counties · median 7,739

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 #

10 gauges · 0 flooding · 2 with quality panels averaging 100 % · 4 stale

Sites found: 10, 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 #

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.

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 #

$435.3 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 2,194, highly concentrated. $172.6 m federal obligations in FY2026 (direct payments $156.9 m, contracts $9.6 m), $24,817 per covered job

Deposit concentration is 2,194 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 = 34.9² + 22.6² + 13.1² + … (3 more) = 2,194

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.

That is $24,817 per covered job, against 6,954 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $172.6 m / 6,954 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,817

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.

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 #

Todd County, MN: 6 findings, 1 at a watch level and 5 noted

1. watchTodd County, MN's covered employment is -1.2% 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 = -1.2 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. noteTodd County, MN's average weekly wage was 4.3% 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

   • +4.3 % = 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

3. noteTodd County, MN's covered employment was 1.2% 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

   • -1.2 % = 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

4. noteTodd County, MN's typical home value rose 0.5% from $274,761 in July 2026 to $276,116 in August 2026, on Zillow ZHVI.

   Period 2026-08.
   Show the arithmetic

   • +0.5% = (276115.9009174959 - 274760.91844695696) / 274760.91844695696 × 100
   • 276115.9009174959 = Zillow ZHVI, 2026-08
   • 274760.91844695696 = Zillow ZHVI, 2026-07

5. noteThe next Zillow ZHVI typical home value (monthly) covering Todd 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.