Glacier County, MT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 48.71, -112.99.
Assembled 2026-10-06. Read the brief.
- 22nd pct · 2,386th of 3,063 US counties · median $234,566
- 3rd pct · 54th of 56 Montana counties · median $296,564
- 15th pct · 2,590th of 3,063 US counties · median +2.9%
- 3rd pct · 54th of 56 Montana counties · median +4.1%
- US counties: not published this period
- Montana counties: not published this period
- 30th pct · 2,231st of 3,221 US counties · median 8,232
- 70th pct · 17th of 56 Montana counties · median 2,560
- 40th pct · 1,924th of 3,221 US counties · median $1,039
- 50th pct · 28th of 56 Montana counties · median $996
- 25th pct · 2,296th of 3,063 US counties · median 4.3
- 5th pct · 53rd of 56 Montana counties · median 5.8
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 $166,389 (Aug 2026), -0.9% over one year, +38.6% over five
- 22nd pct · 2,386th of 3,063 US counties · median $234,566
- 3rd pct · 54th of 56 Montana counties · median $296,564
| Item | Value | Distance |
|---|---|---|
| Glacier County, MT | $166,389 · -0.9% 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
- Montana 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 $911 a month on $166,389 at 7.28%, against an average weekly wage worth $4,316 a month: 21.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $166,389 × 80% = $133,111, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $911/mo principal and interest
- wage share = payment / (avg weekly wage $996 × 52 / 12 = $4,316) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $166,389 / ($996 × 52) = 3.2
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 #
3,890 jobs at 322 employers (2026 Q1); -3.2% jobs and -0.7% average weekly wage over the year
- 30th pct · 2,231st of 3,221 US counties · median 8,232
- 70th pct · 17th of 56 Montana counties · median 2,560
| Item | Value | Distance |
|---|---|---|
| Glacier County, MT | 3,890 jobs · $996/wk · -3.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 370 | $655 | 0.98 | -3.1% |
| Health care and social assistance | 243 | $1,376 | 0.42 | -1.2% |
| Accommodation and food services | 216 | $380 | 0.62 | -13.3% |
| Other services | 83 | $746 | 0.71 | +9.2% |
| Mining, oil and gas | 74 | $1,025 | 5.34 | +10.4% |
| Utilities | 71 | $1,660 | 4.62 | +7.6% |
| Wholesale trade | 51 | $1,008 | 0.34 | +0.0% |
| Agriculture, forestry, fishing | 50 | $739 | 1.78 | -9.1% |
| Finance and insurance | 47 | $1,245 | 0.30 | +0.0% |
| Professional and technical services | 45 | $792 | 0.17 | +4.7% |
| Transportation and warehousing | 43 | $1,314 | 0.26 | -15.7% |
| Administrative and waste services | 32 | $1,196 | 0.14 | -3.0% |
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| Flathead Lake at Polson MT | 2,893 ft (USGS, no capacity on file) | 142 km |
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 #
22 gauges · 0 flooding · 1 with quality panels averaging 100 % · 9 stale
Sites found: 22, 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 |
|---|---|---|
| Cut Bank Creek near Browning MT | flow 60.1 ft³/s · STALE | 10 km |
| South Fork Milk River near Babb MT | flow 7.20 ft³/s · STALE | 14 km |
| Two Medicine Canal near Browning MT | flow 29.0 ft³/s · STALE | 28 km |
| N F Milk River ab St. Mary canal nr Browning MT | flow 6.68 ft³/s | 29 km |
| Cut Bank Cr ab Gillam Coulee, nr Sundance, MT | flow 35.6 ft³/s | 29 km |
| Two Medicine River bl South Fork nr Browning MT | flow 54.5 ft³/s | 31 km |
| St. Mary River near Babb MT | flow 201.0 ft³/s | 35 km |
| St. Mary Canal at intake near Babb MT | flow 2.09 ft³/s · STALE | 35 km |
| Two Medicine River ab Badger Cr, nr Piegan, MT | flow 49.4 ft³/s | 35 km |
| North Milk River near international boundary | flow 542.0 ft³/s · STALE | 36 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 #
1 wells in 1 named aquifer: Upper Cretaceous aquifers
Sites found: 1, 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 |
|---|---|---|
| Upper Cretaceous aquifers | depth 10.4 ft · 2026-10-06 | 29 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$206.0 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,460, highly concentrated. $196.0 m federal obligations in FY2026 (direct payments $85.1 m, grants $60.1 m), $50,385 per covered job
| Item | Value | Distance |
|---|---|---|
| Stockman Bank of Montana | $124.2 m · 60.3% share · 1 office | |
| First Interstate Bank | $49.5 m · 24.1% share · 1 office | |
| Native American Bank, National Association | $32.2 m · 15.6% share · 1 office | |
| Glacier, MT | $196.0 m FY2026 · $50,385/job | |
| MULTIPLE RECIPIENTS | $54.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Stockman Bank of Montana | $124,243,000 | 60.3% | 1 |
| First Interstate Bank | $49,547,000 | 24.1% | 1 |
| Native American Bank, National Association | $32,224,000 | 15.6% | 1 |
Deposit concentration is 4,460 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 60.3² + 24.1² + 15.6² = 4,460
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 | $46,057,443 |
| Department of Transportation | $43,743,814 |
| Department of the Interior | $41,466,207 |
| Department of Education | $21,742,032 |
| Department of Health and Human Services | $12,432,472 |
| Department of Housing and Urban Development | $9,291,274 |
| Department of Agriculture | $8,559,458 |
| Department of Veterans Affairs | $7,695,155 |
| General Services Administration | $1,404,150 |
| Department of Justice | $1,376,684 |
| Railroad Retirement Board | $824,772 |
| Department of Energy | $652,837 |
That is $50,385 per covered job, against 3,890 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $196.0 m / 3,890 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $50,385
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 #
Glacier County, MT: 14 findings, 1 at an alert level, 5 at a watch level and 8 noted
alertGlacier County, MT's covered employment is -3.2% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchGlacier County, MT's covered employment is -3.2% 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 = -3.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchGlacier County, MT's typical home value is -0.9% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.8677000702535638 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchGlacier County, MT's average weekly wage is -0.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -0.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchGlacier County, MT's momentum index is -0.42, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.4178796103226748 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
Read all 12 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.