Hettinger County, ND
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.44, -102.45.
Assembled 2026-10-06. Read the brief.
- 18th pct · 2,511th of 3,063 US counties · median $234,566
- 28th pct · 31st of 43 North Dakota counties · median $198,465
- 100th pct · 1st of 3,063 US counties · median +2.9%
- 100th pct · 1st of 43 North Dakota counties · median +6.1%
- US counties: not published this period
- North Dakota counties: not published this period
- 4th pct · 3,090th of 3,221 US counties · median 8,232
- 26th pct · 39th of 53 North Dakota counties · median 1,520
- 21st pct · 2,522nd of 3,221 US counties · median $1,039
- 5th pct · 50th of 53 North Dakota counties · median $1,064
- 26th pct · 2,239th of 3,063 US counties · median 4.3
- 47th pct · 23rd 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 $155,946 (Aug 2026), +31.0% over one year, +40.9% over five
- 18th pct · 2,511th of 3,063 US counties · median $234,566
- 28th pct · 31st of 43 North Dakota counties · median $198,465
| Item | Value | Distance |
|---|---|---|
| Hettinger County, ND | $155,946 · +31.0% 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 $854 a month on $155,946 at 7.28%, against an average weekly wage worth $3,952 a month: 21.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $155,946 × 80% = $124,757, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $854/mo principal and interest
- wage share = payment / (avg weekly wage $912 × 52 / 12 = $3,952) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $155,946 / ($912 × 52) = 3.3
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 #
704 jobs at 151 employers (2026 Q1); +7.5% jobs and +1.6% average weekly wage over the year
- 4th pct · 3,090th of 3,221 US counties · median 8,232
- 26th pct · 39th of 53 North Dakota counties · median 1,520
| Item | Value | Distance |
|---|---|---|
| Hettinger County, ND | 704 jobs · $912/wk · +7.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 104 | $1,378 | 3.86 | -1.0% |
| Health care and social assistance | 74 | $596 | 0.70 | +37.0% |
| Retail trade | 59 | $568 | 0.86 | -6.3% |
| Construction | 47 | $1,026 | 1.27 | +0.0% |
| Finance and insurance | 41 | $1,555 | 1.43 | +7.9% |
| Agriculture, forestry, fishing | 37 | $1,033 | 7.28 | +0.0% |
| Manufacturing | 29 | $771 | 0.51 | +0.0% |
| Accommodation and food services | 20 | $295 | 0.32 | +0.0% |
| Professional and technical services | 16 | $877 | 0.33 | +6.7% |
| Information | 13 | $275 | 1.00 | +0.0% |
| Arts, entertainment and recreation | 11 | $101 | 0.95 | +0.0% |
| Other services | 7 | $460 | 0.33 | +0.0% |
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 #
8 gauges · 0 flooding · 2 with quality panels averaging 75 % · 2 stale
Sites found: 8, 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 |
|---|---|---|
| CANNONBALL RIVER AT REGENT, ND | flow 2.34 ft³/s | 8 km |
| CEDAR CREEK NEAR HAYNES, ND | flow 0.62 ft³/s | 31 km |
| HEART RIVER NEAR RICHARDTON, ND | flow 11.0 ft³/s | 36 km |
| HEART RIVER AB LAKE TSCHIDA NEAR GLEN ULLIN, ND | flow 9.99 ft³/s | 38 km |
| HEART R BELOW HEART BUTTE DAM NR GLEN ULLIN, ND | temp 3.60 °C · quality 75 % (2) · STALE | 53 km |
| HEART RIVER NEAR SOUTH HEART, ND | flow 1.08 ft³/s | 61 km |
| HEART RIVER NR CARSON, ND | temp 0.10 °C · quality 75 % (2) · STALE | 70 km |
| NORTH FORK GRAND RIVER NEAR WHITE BUTTE, SD | flow 0.00 ft³/s | 71 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-461257103004902 | depth 66.0 ft · 1976-12-21 | 49 km |
| USGS-460705103005301 | depth 25.4 ft · 1976-12-21 | 56 km |
| USGS-461355103032801 | depth 45.7 ft · 1976-12-21 | 56 km |
| USGS-461355103055701 | depth 23.6 ft · 1976-12-21 | 59 km |
| USGS-465755102410701 | depth 18.8 ft · 2026-10-04 | 61 km |
| USGS-470037102352201 | depth 15.8 ft · 2026-10-05 | 65 km |
| USGS-465424103033902 | depth 18.5 ft · 1982-01-10 | 70 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 + 0.2×0.25 / 0.55
Banks & federal dollars #
$170.5 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 5,331, highly concentrated. $23.4 m federal obligations in FY2026 (direct payments $18.3 m, grants $5.0 m), $33,242 per covered job
| Item | Value | Distance |
|---|---|---|
| Commercial Bank of Mott | $116.1 m · 68.1% share · 1 office | |
| Bravera Bank | $43.6 m · 25.6% share · 1 office | |
| Dakota Western Bank | $10.8 m · 6.3% share · 1 office | |
| Hettinger, ND | $23.4 m FY2026 · $33,242/job | |
| MULTIPLE RECIPIENTS | $14.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Commercial Bank of Mott | $116,066,000 | 68.1% | 1 |
| Bravera Bank | $43,627,000 | 25.6% | 1 |
| Dakota Western Bank | $10,762,000 | 6.3% | 1 |
Deposit concentration is 5,331 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 68.1² + 25.6² + 6.3² = 5,331
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 | $13,228,310 |
| Department of Transportation | $5,037,510 |
| Department of Agriculture | $3,460,246 |
| Department of Veterans Affairs | $1,679,450 |
| Federal Communications Commission | -$2,976 |
That is $33,242 per covered job, against 704 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $23.4 m / 704 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,242
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 #
Hettinger County, ND: 13 findings, 1 at a watch level and 12 noted
watchHettinger County, ND's typical home value is +31.0% 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 = 31.029415369539333 >= 15
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
noteHettinger County, ND's covered employment was 7.5% 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
- +7.5 % = 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
noteHettinger County, ND's typical home value rose 1.8% from $153,187 in July 2026 to $155,946 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.8% = (155945.70585694993 - 153186.91270605955) / 153186.91270605955 × 100
- 155945.70585694993 = Zillow ZHVI, 2026-08
- 153186.91270605955 = Zillow ZHVI, 2026-07
noteHettinger County, ND's average weekly wage 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
noteHettinger County, ND's typical home value of +31.0% ranks 1st of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 12 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.