FIPS 30053, MT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 48.54, -115.40.
Assembled 2026-10-02. Read the brief.
- 88th pct · 343rd of 3,063 US counties · median $234,566
- 19th pct · 2,454th of 3,063 US counties · median +2.9%
- US counties: not published this period
- 41st pct · 1,870th of 3,221 US counties · median 8,232
- 31st pct · 2,201st of 3,221 US counties · median $1,039
- 94th pct · 168th of 3,063 US counties · median 4.3
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 $427,228 (Aug 2026), -0.1% over one year, +35.2% over five
- 88th pct · 343rd of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Lincoln County | $427,228 · -0.1% 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
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 $2,339 a month on $427,228 at 7.28%, against an average weekly wage worth $4,156 a month: 56.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $427,228 × 80% = $341,782, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,339/mo principal and interest
- wage share = payment / (avg weekly wage $959 × 52 / 12 = $4,156) = 56% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $427,228 / ($959 × 52) = 8.6
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 #
5,958 jobs at 966 employers (2026 Q1); -0.7% jobs and +4.4% average weekly wage over the year
- 41st pct · 1,870th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Lincoln County | 5,958 jobs · $959/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,134 | $1,101 | 1.26 | -0.2% |
| Retail trade | 863 | $610 | 1.49 | -1.1% |
| Accommodation and food services | 608 | $363 | 1.14 | +0.0% |
| Construction | 496 | $1,060 | 1.59 | -3.3% |
| Transportation and warehousing | 250 | $813 | 1.00 | +5.9% |
| Other services | 230 | $467 | 1.29 | +5.0% |
| Manufacturing | 197 | $725 | 0.41 | +10.1% |
| Arts, entertainment and recreation | 188 | $559 | 1.92 | +3.9% |
| Professional and technical services | 177 | $1,699 | 0.43 | +2.3% |
| Finance and insurance | 150 | $1,413 | 0.62 | +7.9% |
| Information | 79 | $1,446 | 0.72 | -4.8% |
| Agriculture, forestry, fishing | 78 | $1,077 | 1.81 | +6.8% |
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.
Water #
Banks & federal dollars #
$388.5 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 4,640, highly concentrated. $256.9 m federal obligations in FY2026 (direct payments $203.9 m, contracts $42.5 m), $43,117 per covered job
| Item | Value | Distance |
|---|---|---|
| Glacier Bank | $239.9 m · 61.8% share · 2 offices | |
| First Montana Bank, Inc. | $105.9 m · 27.3% share · 2 offices | |
| First Interstate Bank | $34.5 m · 8.9% share · 1 office | |
| Lincoln, MT | $256.9 m FY2026 · $43,117/job | |
| MULTIPLE RECIPIENTS | $202.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Glacier Bank | $239,907,000 | 61.8% | 2 |
| First Montana Bank, Inc. | $105,920,000 | 27.3% | 2 |
| First Interstate Bank | $34,461,000 | 8.9% | 1 |
| Valley Bank of Kalispell | $8,210,000 | 2.1% | 1 |
Deposit concentration is 4,640 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 61.8² + 27.3² + 8.9² + … (1 more) = 4,640
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 | $168,073,627 |
| Department of Veterans Affairs | $33,368,430 |
| Department of Defense | $21,582,730 |
| Department of Agriculture | $21,261,198 |
| Department of Transportation | $5,311,368 |
| Department of Health and Human Services | $3,880,457 |
| Railroad Retirement Board | $2,040,495 |
| Department of Housing and Urban Development | $562,688 |
| Department of Homeland Security | $512,861 |
| Federal Communications Commission | $211,971 |
| Department of Education | $60,410 |
| Department of the Interior | $21,432 |
That is $43,117 per covered job, against 5,958 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $256.9 m / 5,958 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $43,117
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +0.1% |
| 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 · % | 4.10 | 2026-08-01 | +0.0% |
| 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 #
FIPS 30053, MT: 7 findings, 3 at a watch level and 4 noted
watchFIPS 30053, MT's years of wages of 8.6 ranks 168th 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 = 94.54604833442195 >= 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
watchFIPS 30053, MT's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFIPS 30053, MT's typical home value is -0.1% 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 = -0.11214001445536464 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteFIPS 30053, MT's average weekly wage was 4.4% 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
- +4.4 % = 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
noteFIPS 30053, MT's covered employment was 0.7% 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
- -0.7 % = 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
Read all 7 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.