Winona County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.98, -91.78.
Assembled 2026-10-06. Read the brief.
- 65th pct · 1,072nd of 3,063 US counties · median $234,566
- 53rd pct · 41st of 87 Minnesota counties · median $276,116
- 59th pct · 1,255th of 3,063 US counties · median +2.9%
- 46th pct · 47th of 87 Minnesota counties · median +4.1%
- 12th pct · 1,227th of 1,399 US counties · median $1,496
- 16th pct · 32nd of 38 Minnesota counties · median $1,295
- 74th pct · 835th of 3,221 US counties · median 8,232
- 82nd pct · 16th of 87 Minnesota counties · median 7,739
- 53rd pct · 1,504th of 3,221 US counties · median $1,039
- 32nd pct · 59th of 87 Minnesota counties · median $1,102
- 66th pct · 1,019th of 3,063 US counties · median 4.3
- 63rd pct · 32nd 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 $282,307 (Aug 2026), +3.8% over one year, +31.4% over five
- 65th pct · 1,072nd of 3,063 US counties · median $234,566
- 53rd pct · 41st of 87 Minnesota counties · median $276,116
| Item | Value | Distance |
|---|---|---|
| Winona County, MN | $282,307 · +3.8% 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 $1,065/mo (Aug 2026), +9.7% over one year; price-to-rent 22.1
- 12th pct · 1,227th of 1,399 US counties · median $1,496
- 16th pct · 32nd of 38 Minnesota counties · median $1,295
| Item | Value | Distance |
|---|---|---|
| Winona County, MN | $1,065/mo · +9.7% 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 $1,545 a month on $282,307 at 7.28%, against an average weekly wage worth $4,563 a month: 33.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $282,307 × 80% = $225,846, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,545/mo principal and interest
- wage share = payment / (avg weekly wage $1,053 × 52 / 12 = $4,563) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $282,307 / ($1,053 × 52) = 5.2
- price-to-rent = $282,307 / ($1,065 × 12) = 22.1
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 #
23,462 jobs at 1,249 employers (2026 Q1); -1.0% jobs and +3.0% average weekly wage over the year
- 74th pct · 835th of 3,221 US counties · median 8,232
- 82nd pct · 16th of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Winona County, MN | 23,462 jobs · $1,053/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,270 | $1,471 | 2.79 | -0.9% |
| Health care and social assistance | 2,793 | $909 | 0.79 | +1.5% |
| Retail trade | 2,555 | $650 | 1.12 | -0.2% |
| Accommodation and food services | 2,491 | $432 | 1.18 | -4.1% |
| Transportation and warehousing | 1,218 | $1,317 | 1.23 | +1.8% |
| Educational services | 1,146 | $822 | 2.27 | -1.5% |
| Construction | 631 | $1,231 | 0.51 | +2.9% |
| Finance and insurance | 532 | $1,669 | 0.56 | -1.3% |
| Other services | 475 | $691 | 0.68 | -11.5% |
| Arts, entertainment and recreation | 375 | $305 | 0.97 | +4.2% |
| Information | 358 | $897 | 0.83 | -10.1% |
| Administrative and waste services | 280 | $591 | 0.21 | +0.0% |
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 #
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 #
$1.5 bn in deposits at 15 offices of 9 banks (SOD June 2026); HHI 2,917, highly concentrated. $324.4 m federal obligations in FY2026 (direct payments $285.8 m, grants $33.3 m), $13,828 per covered job
| Item | Value | Distance |
|---|---|---|
| Merchants Bank, National Association | $712.2 m · 47.2% share · 4 offices | |
| WNB FINANCIAL, N.A. | $318.3 m · 21.1% share · 3 offices | |
| Wells Fargo Bank, National Association | $170.3 m · 11.3% share · 1 office | |
| Winona, MN | $324.4 m FY2026 · $13,828/job | |
| MULTIPLE RECIPIENTS | $263.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Merchants Bank, National Association | $712,227,000 | 47.2% | 4 |
| WNB FINANCIAL, N.A. | $318,337,000 | 21.1% | 3 |
| Wells Fargo Bank, National Association | $170,345,000 | 11.3% | 1 |
| Old National Bank | $135,548,000 | 9.0% | 2 |
| Minnwest Bank | $56,786,000 | 3.8% | 1 |
| Peoples State Bank of Plainview | $56,452,000 | 3.7% | 1 |
| Alerus Financial, National Association | $32,171,000 | 2.1% | 1 |
| Oakwood Bank | $25,522,000 | 1.7% | 1 |
| Minnesota First Credit and Savings, Incorporated | $1,364,000 | 0.1% | 1 |
Deposit concentration is 2,917 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 47.2² + 21.1² + 11.3² + … (6 more) = 2,917
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 | $240,763,459 |
| Department of Transportation | $30,401,328 |
| Department of Veterans Affairs | $21,828,805 |
| Department of Education | $15,348,391 |
| Department of Agriculture | $7,348,716 |
| Department of Defense | $4,521,430 |
| Department of Housing and Urban Development | $2,032,708 |
| Railroad Retirement Board | $1,438,500 |
| National Science Foundation | $570,326 |
| Federal Communications Commission | $114,908 |
| General Services Administration | $45,180 |
| Department of the Interior | $8,220 |
That is $13,828 per covered job, against 23,462 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $324.4 m / 23,462 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,828
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 #
Winona County, MN: 8 findings, 2 at a watch level and 6 noted
watchWinona County, MN's typical asking rent is +9.7% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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.yoyPct = 9.735240301557177 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchWinona County, MN's covered employment is -1.0% 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 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWinona County, MN's average weekly wage was 3.0% 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 % = 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
noteWinona County, MN's covered employment was 1.0% 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 % = 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
noteWinona County, MN's typical home value rose 0.4% from $281,153 in July 2026 to $282,307 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (282306.9585541621 - 281153.17628295976) / 281153.17628295976 × 100
- 282306.9585541621 = Zillow ZHVI, 2026-08
- 281153.17628295976 = Zillow ZHVI, 2026-07
Read all 8 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.