Treasure County, MT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.23, -107.28.
Assembled 2026-10-06. Read the brief.
- 51st pct · 1,476th of 3,063 US counties · median $234,566
- 34th pct · 37th of 56 Montana counties · median $296,564
- 98th pct · 37th of 3,063 US counties · median +2.9%
- 96th pct · 3rd of 56 Montana counties · median +4.1%
- US counties: not published this period
- Montana counties: not published this period
- 1st pct · 3,181st of 3,221 US counties · median 8,232
- 10th pct · 50th of 56 Montana counties · median 2,560
- 7th pct · 2,995th of 3,221 US counties · median $1,039
- 7th pct · 52nd of 56 Montana counties · median $996
- 75th pct · 751st of 3,063 US counties · median 4.3
- 49th pct · 29th 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 $239,632 (Aug 2026), +13.3% over one year, +26.7% over five
- 51st pct · 1,476th of 3,063 US counties · median $234,566
- 34th pct · 37th of 56 Montana counties · median $296,564
| Item | Value | Distance |
|---|---|---|
| Treasure County, MT | $239,632 · +13.3% 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 $1,312 a month on $239,632 at 7.28%, against an average weekly wage worth $3,493 a month: 37.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $239,632 × 80% = $191,706, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,312/mo principal and interest
- wage share = payment / (avg weekly wage $806 × 52 / 12 = $3,493) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $239,632 / ($806 × 52) = 5.7
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 #
352 jobs at 31 employers (2026 Q1); +85.3% jobs and -6.5% average weekly wage over the year
- 1st pct · 3,181st of 3,221 US counties · median 8,232
- 10th pct · 50th of 56 Montana counties · median 2,560
| Item | Value | Distance |
|---|---|---|
| Treasure County, MT | 352 jobs · $806/wk · +85.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 21 | $1,364 | 1.56 | -12.5% |
| Unclassified | 7 | $300 | 9.35 | +100.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Retail trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | withheld | |||
| Accommodation and food 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 #
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 #
11 gauges · 0 flooding · 0 with quality panels · 4 stale
Sites found: 11, 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 |
|---|---|---|
| Bighorn River ab Tullock Cr nr Bighorn MT | flow 1,770 ft³/s | 19 km |
| Armells Creek near Forsyth MT | flow 0.56 ft³/s · STALE | 36 km |
| Yellowstone River at Forsyth MT | flow 4,320 ft³/s | 45 km |
| Little Bighorn River near Hardin MT | flow 43.2 ft³/s | 59 km |
| Agency Canal Tailwaste near Hardin MT | flow 9.27 ft³/s | 60 km |
| Rosebud Creek at Hwy 447 bridge nr Rosebud, MT | flow 11.4 ft³/s · STALE | 60 km |
| Rosebud Creek at mouth near Rosebud MT | flow 0.00 ft³/s · STALE | 62 km |
| Bighorn River at Two Leggins Bridge, near Hardin | flow 1,810 ft³/s | 71 km |
| Musselshell River at Musselshell MT | flow 54.4 ft³/s | 72 km |
| Little Bighorn River nr Crow Agency MT | flow 64.9 ft³/s | 75 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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 |
|---|---|---|
| USGS-455024107355601 | depth 7.22 ft · 2015-08-25 | 50 km |
| USGS-455016107360402 | depth 7.88 ft · 2026-10-05 | 50 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$29.5 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $6.7 m federal obligations in FY2026 (direct payments $5.4 m, grants $1.4 m), $19,150 per covered job
| Item | Value | Distance |
|---|---|---|
| Stockman Bank of Montana | $29.5 m · 100.0% share · 1 office | |
| Treasure, MT | $6.7 m FY2026 · $19,150/job | |
| MULTIPLE RECIPIENTS | $5.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Stockman Bank of Montana | $29,511,000 | 100.0% | 1 |
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 | $4,608,181 |
| Department of Transportation | $1,349,334 |
| Department of Veterans Affairs | $379,344 |
| Department of Agriculture | $232,856 |
| Railroad Retirement Board | $164,977 |
| Department of Education | $5,564 |
| Federal Communications Commission | $508 |
That is $19,150 per covered job, against 352 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $6.7 m / 352 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,150
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 #
Treasure County, MT: 11 findings, 1 at a watch level and 10 noted
watchTreasure County, MT's average weekly wage is -6.5% 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 = -6.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteTreasure County, MT's covered employment was 85.3% 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
- +85.3 % = 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
noteTreasure County, MT's average weekly wage was 6.5% 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
- -6.5 % = 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
noteTreasure County, MT's covered employment of +85.3% ranks 1st of 56 Montana counties, against a median of +0.0%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 56 Montana counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteTreasure County, MT's covered employment of +85.3% ranks 2nd of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 11 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.