Emmons County, ND
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.28, -100.24.
Assembled 2026-10-06. Read the brief.
- 19th pct · 2,480th of 3,063 US counties · median $234,566
- 30th pct · 30th of 43 North Dakota counties · median $198,465
- 99th pct · 9th of 3,063 US counties · median +2.9%
- 97th pct · 2nd of 43 North Dakota counties · median +6.1%
- US counties: not published this period
- North Dakota counties: not published this period
- 5th pct · 3,036th of 3,221 US counties · median 8,232
- 32nd pct · 36th 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
- 20th pct · 2,444th of 3,063 US counties · median 4.3
- 42nd pct · 25th 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 $158,711 (Aug 2026), +16.6% over one year, +25.8% over five
- 19th pct · 2,480th of 3,063 US counties · median $234,566
- 30th pct · 30th of 43 North Dakota counties · median $198,465
| Item | Value | Distance |
|---|---|---|
| Emmons County, ND | $158,711 · +16.6% 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 $869 a month on $158,711 at 7.28%, against an average weekly wage worth $4,372 a month: 19.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $158,711 × 80% = $126,969, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $869/mo principal and interest
- wage share = payment / (avg weekly wage $1,009 × 52 / 12 = $4,372) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $158,711 / ($1,009 × 52) = 3.0
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 #
882 jobs at 172 employers (2026 Q1); -2.3% jobs and +6.4% average weekly wage over the year
- 5th pct · 3,036th of 3,221 US counties · median 8,232
- 32nd pct · 36th of 53 North Dakota counties · median 1,520
| Item | Value | Distance |
|---|---|---|
| Emmons County, ND | 882 jobs · $1,009/wk · -2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 166 | $970 | 1.25 | -4.6% |
| Retail trade | 92 | $587 | 1.07 | -7.1% |
| Wholesale trade | 71 | $1,475 | 2.10 | -1.4% |
| Utilities | 20 | $2,213 | 5.74 | +53.8% |
| Transportation and warehousing | 20 | $1,075 | 0.54 | -4.8% |
| Professional and technical services | 13 | $1,182 | 0.21 | +8.3% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Information | withheld | |||
| Finance and insurance | 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 #
18 gauges · 0 flooding · 1 with quality panels averaging 100 % · 5 stale
Sites found: 18, 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 |
|---|---|---|
| BEAVER CREEK BELOW LINTON, ND | flow 44.7 ft³/s · no flooding | 2 km |
| BEAVER CREEK NEAR STRASBURG, ND | stage 10.5 ft | 21 km |
| SOUTH BRANCH BEAVER CREEK NEAR ZEELAND, ND | flow 0.00 ft³/s | 36 km |
| PORCUPINE CREEK NEAR FORT YATES, ND | flow 2.37 ft³/s | 41 km |
| CANNONBALL RIVER AT SOLEN, ND | flow 8.80 ft³/s | 45 km |
| LONG LAKE CR BELOW LONG LAKE NR MOFFIT, ND | flow 95.3 ft³/s · STALE | 45 km |
| LONG LAKE CREEK AT HWY 83 BRIDGE NR MOFFIT, ND | flow 88.2 ft³/s · STALE | 46 km |
| CANNONBALL RIVER AT BREIEN, ND | flow 7.80 ft³/s · no flooding | 54 km |
| MISSOURI RIVER NEAR SCHMIDT, ND | stage 12.0 ft | 56 km |
| APPLE CREEK NEAR MENOKEN, ND | stage 4.39 ft · no flooding | 65 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 #
9 wells in 0 named aquifers:
Sites found: 9, 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-462452100380801 | depth 19.3 ft · 2026-10-05 | 34 km |
| USGS-463429100233702 | depth 20.4 ft · 1982-01-09 | 34 km |
| USGS-464239100462401 | depth 11.9 ft · 1992-09-30 | 63 km |
| USGS-464556100454901 | depth 32.6 ft · 1997-09-29 | 67 km |
| USGS-463517099282502 | depth 15.6 ft · 1995-04-13 | 68 km |
| USGS-463417099271002 | depth 17.2 ft · 2021-06-30 | 68 km |
| USGS-464521100490302 | depth 5.92 ft · 1982-04-20 | 69 km |
| USGS-464554100482401 | depth 15.4 ft · 1992-09-30 | 69 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$278.2 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 2,773, highly concentrated. $29.8 m federal obligations in FY2026 (direct payments $27.9 m, grants $1.9 m), $33,817 per covered job
| Item | Value | Distance |
|---|---|---|
| Strasburg State Bank | $93.4 m · 33.6% share · 1 office | |
| BNC National Bank | $83.8 m · 30.1% share · 1 office | |
| Bank of Hazelton | $68.0 m · 24.4% share · 1 office | |
| Emmons, ND | $29.8 m FY2026 · $33,817/job | |
| MULTIPLE RECIPIENTS | $20.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Strasburg State Bank | $93,413,000 | 33.6% | 1 |
| BNC National Bank | $83,844,000 | 30.1% | 1 |
| Bank of Hazelton | $67,963,000 | 24.4% | 1 |
| Unison Bank | $32,968,000 | 11.9% | 1 |
Deposit concentration is 2,773 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 = 33.6² + 30.1² + 24.4² + … (1 more) = 2,773
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 | $19,350,547 |
| Department of Agriculture | $6,043,208 |
| Department of Transportation | $1,844,077 |
| Department of Veterans Affairs | $1,455,679 |
| Department of Housing and Urban Development | $828,783 |
| Railroad Retirement Board | $108,540 |
| Department of Defense | $87,820 |
| Federal Communications Commission | $87,631 |
| Department of Education | $20,361 |
| Small Business Administration | $0 |
That is $33,817 per covered job, against 882 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $29.8 m / 882 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,817
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 #
Emmons County, ND: 9 findings, 2 at a watch level and 7 noted
watchEmmons County, ND's covered employment is -2.3% 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 = -2.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchEmmons County, ND's typical home value is +16.6% against a year earlier, a watch level here: typical home value at least 15 percent above a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = 16.583440298901024 >= 15
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
noteEmmons County, ND's average weekly wage was 6.4% 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
- +6.4 % = 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
noteEmmons County, ND's covered employment was 2.3% 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
- -2.3 % = 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
noteEmmons County, ND's typical home value rose 0.8% from $157,479 in July 2026 to $158,711 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (158711.0068499583 - 157478.7925806068) / 157478.7925806068 × 100
- 158711.0068499583 = Zillow ZHVI, 2026-08
- 157478.7925806068 = 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.