Granite County, MT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.40, -113.43.
Assembled 2026-10-06. Read the brief.
- 91st pct · 250th of 3,063 US counties · median $234,566
- 78th pct · 13th of 56 Montana counties · median $296,564
- 54th pct · 1,409th of 3,063 US counties · median +2.9%
- 40th pct · 34th of 56 Montana counties · median +4.1%
- US counties: not published this period
- Montana counties: not published this period
- 5th pct · 3,032nd of 3,221 US counties · median 8,232
- 25th pct · 42nd of 56 Montana counties · median 2,560
- 10th pct · 2,872nd of 3,221 US counties · median $1,039
- 10th pct · 50th of 56 Montana counties · median $996
- 98th pct · 62nd of 3,063 US counties · median 4.3
- 90th pct · 6th 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 $471,817 (Aug 2026), +3.3% over one year, +31.4% over five
- 91st pct · 250th of 3,063 US counties · median $234,566
- 78th pct · 13th of 56 Montana counties · median $296,564
| Item | Value | Distance |
|---|---|---|
| Granite County, MT | $471,817 · +3.3% 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 $2,583 a month on $471,817 at 7.28%, against an average weekly wage worth $3,657 a month: 70.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $471,817 × 80% = $377,454, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,583/mo principal and interest
- wage share = payment / (avg weekly wage $844 × 52 / 12 = $3,657) = 71% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $471,817 / ($844 × 52) = 10.8
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 #
908 jobs at 182 employers (2026 Q1); +1.8% jobs and +8.5% average weekly wage over the year
- 5th pct · 3,032nd of 3,221 US counties · median 8,232
- 25th pct · 42nd of 56 Montana counties · median 2,560
| Item | Value | Distance |
|---|---|---|
| Granite County, MT | 908 jobs · $844/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 89 | $555 | 1.01 | -4.3% |
| Agriculture, forestry, fishing | 88 | $984 | 13.42 | +27.5% |
| Construction | 49 | $1,031 | 1.03 | -7.5% |
| Manufacturing | 32 | $696 | 0.44 | -17.9% |
| Mining, oil and gas | 14 | $934 | 4.33 | -6.7% |
| Transportation and warehousing | 13 | $737 | 0.34 | +18.2% |
| Finance and insurance | 6 | $1,495 | 0.16 | +50.0% |
| Real estate and rental | 3 | $966 | 0.22 | +0.0% |
| Utilities | withheld | |||
| Wholesale trade | withheld | |||
| Information | withheld | |||
| Professional and technical services | 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 #
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 |
|---|---|---|
| Lake Como near Darby, MT | 4,207 ft (USGS, no capacity on file) | 72 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 #
47 gauges · 0 flooding · 12 with quality panels averaging 100 % · 15 stale
Sites found: 47, 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 |
|---|---|---|
| Flint Creek near Philipsburg MT | flow 53.0 ft³/s · STALE | 9 km |
| Fred Burr Creek near Philipsburg MT | flow 3.00 ft³/s · STALE | 13 km |
| Marshall Cr Canal at Chor Ranch nr Philipsburg | flow 0.22 ft³/s · STALE | 13 km |
| Flint Cr ab Fred Burr Cr nr Philipsburg MT | flow 76.0 ft³/s · STALE | 13 km |
| Flint Creek at Maxville MT | flow 74.6 ft³/s | 16 km |
| Boulder Creek at Maxville MT | flow 14.5 ft³/s | 17 km |
| Flint Creek near Southern Cross MT | flow 30.6 ft³/s | 21 km |
| Flint Cr bl Douglas Cr nr Hall MT | flow 118.0 ft³/s · STALE | 24 km |
| Middle Fork Rock Cr nr Philipsburg MT | flow 50.0 ft³/s | 24 km |
| Flint Creek near Drummond MT | flow 139.0 ft³/s | 33 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 #
6 wells in 2 named aquifers: Alluvial aquifers, Northern Rocky Mountains Intermontane Basins aquifer systems
Sites found: 6, 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 |
|---|---|---|
| Alluvial aquifers | depth 2.97 ft · 2026-09-10 | 52 km |
| USGS-463750114033001 | depth 5.91 ft · 2010-10-20 | 55 km |
| 06N20W19CCCC02 | depth 10.8 ft · 2010-10-20 | 58 km |
| Alluvial aquifers | depth 6.01 ft · 2022-06-27 | 60 km |
| Northern Rocky Mountains Intermontane Basins aquifer systems | depth 7.50 ft · 2026-09-13 | 74 km |
| USGS-470049113035401 | depth 104.3 ft · 2010-10-12 | 74 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 #
$83.1 m in deposits at 2 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $28.1 m federal obligations in FY2026 (direct payments $27.4 m, contracts $828,658), $30,936 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Alliance Bank | $83.1 m · 100.0% share · 2 offices | |
| Granite, MT | $28.1 m FY2026 · $30,936/job | |
| MULTIPLE RECIPIENTS | $27.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Alliance Bank | $83,094,000 | 100.0% | 2 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $23,593,679 |
| Department of Veterans Affairs | $3,198,019 |
| Department of Agriculture | $1,005,289 |
| Railroad Retirement Board | $292,327 |
| Department of the Interior | $238,746 |
| Federal Communications Commission | $111,553 |
| Department of Education | $27,305 |
| Department of Defense | $2,000 |
| Department of Transportation | -$379,359 |
That is $30,936 per covered job, against 908 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $28.1 m / 908 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,936
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Granite County, MT: 9 findings, 2 at a watch level and 7 noted
watchGranite County, MT's years of wages of 10.8 ranks 62nd of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 98.0078380143697 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchGranite County, MT's years of wages is 10.8, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 10.750477753435387 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
noteGranite County, MT's average weekly wage was 8.5% 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
- +8.5 % = 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
noteGranite County, MT's covered employment was 1.8% 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
- +1.8 % = 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
noteGranite County, MT's typical home value rose 0.6% from $468,972 in July 2026 to $471,817 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (471816.9676427723 - 468972.3118993908) / 468972.3118993908 × 100
- 471816.9676427723 = Zillow ZHVI, 2026-08
- 468972.3118993908 = Zillow ZHVI, 2026-07
Read all 9 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.