Bowman County, ND
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.11, -103.51.
Assembled 2026-10-06. Read the brief.
- 33rd pct · 2,023rd of 3,063 US counties · median $234,566
- 45th pct · 24th of 43 North Dakota counties · median $198,465
- 87th pct · 397th of 3,063 US counties · median +2.9%
- 73rd pct · 12th of 43 North Dakota counties · median +6.1%
- US counties: not published this period
- North Dakota counties: not published this period
- 9th pct · 2,904th of 3,221 US counties · median 8,232
- 42nd pct · 31st of 53 North Dakota counties · median 1,520
- 43rd pct · 1,832nd of 3,221 US counties · median $1,039
- 35th pct · 34th of 53 North Dakota counties · median $1,064
- 36th pct · 1,960th of 3,063 US counties · median 4.3
- 57th pct · 19th of 43 North Dakota counties · median 3.3
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 $192,990 (Aug 2026), +7.2% over one year, +4.5% over five
- 33rd pct · 2,023rd of 3,063 US counties · median $234,566
- 45th pct · 24th of 43 North Dakota counties · median $198,465
| Item | Value | Distance |
|---|---|---|
| Bowman County, ND | $192,990 · +7.2% 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
- North Dakota 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 $1,056 a month on $192,990 at 7.28%, against an average weekly wage worth $4,372 a month: 24.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $192,990 × 80% = $154,392, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,056/mo principal and interest
- wage share = payment / (avg weekly wage $1,009 × 52 / 12 = $4,372) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $192,990 / ($1,009 × 52) = 3.7
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 #
1,363 jobs at 207 employers (2026 Q1); +1.6% jobs and -2.4% average weekly wage over the year
- 9th pct · 2,904th of 3,221 US counties · median 8,232
- 42nd pct · 31st of 53 North Dakota counties · median 1,520
| Item | Value | Distance |
|---|---|---|
| Bowman County, ND | 1,363 jobs · $1,009/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 230 | $1,403 | 4.41 | +0.0% |
| Health care and social assistance | 216 | $982 | 1.05 | +5.4% |
| Retail trade | 167 | $590 | 1.26 | +5.0% |
| Accommodation and food services | 82 | $335 | 0.67 | +0.0% |
| Mining, oil and gas | 56 | $2,140 | 11.54 | +16.7% |
| Professional and technical services | 50 | $1,392 | 0.53 | +13.6% |
| Agriculture, forestry, fishing | 47 | $1,006 | 4.77 | +4.4% |
| Arts, entertainment and recreation | 9 | $263 | 0.40 | +0.0% |
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | 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 #
D2 severe 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 #
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$351.6 m in deposits at 4 offices of 2 banks (SOD June 2026); HHI 6,832, highly concentrated. $30.6 m federal obligations in FY2026 (direct payments $25.3 m, grants $5.4 m), $22,486 per covered job
| Item | Value | Distance |
|---|---|---|
| Dakota Western Bank | $282.2 m · 80.3% share · 3 offices | |
| Dakota Community Bank & Trust, National Association | $69.4 m · 19.7% share · 1 office | |
| Bowman, ND | $30.6 m FY2026 · $22,486/job | |
| MULTIPLE RECIPIENTS | $19.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Dakota Western Bank | $282,240,000 | 80.3% | 3 |
| Dakota Community Bank & Trust, National Association | $69,407,000 | 19.7% | 1 |
Deposit concentration is 6,832 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 80.3² + 19.7² = 6,832
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 | $17,145,446 |
| Department of Agriculture | $6,213,584 |
| Department of Transportation | $4,871,506 |
| Department of Veterans Affairs | $2,130,730 |
| Railroad Retirement Board | $197,189 |
| Department of Education | $51,379 |
| Institute of Museum and Library Services | $25,000 |
| Federal Communications Commission | $13,223 |
That is $22,486 per covered job, against 1,363 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $30.6 m / 1,363 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,486
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 #
Bowman County, ND: 6 findings, 2 at a watch level and 4 noted
watchBowman County, ND's average weekly wage is -2.4% 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 = -2.4 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchBowman County, ND's covered employment of 1,363 scores 10 on the 0-to-100 scale across US counties but 42 across North Dakota counties, a gap of 32 points.
Period 2026 Q1.Show the arithmetic
- 32 = |10 across US counties - 42 across North Dakota counties|
position among the entities that published this metric this period; not an official level
noteBowman County, ND's average weekly wage was 2.4% 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
- -2.4 % = 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
noteBowman County, ND's covered employment was 1.6% 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
- +1.6 % = 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
noteBowman County, ND's covered employment of 1,363 ranks 2,904th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 10 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 6 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.