LaMoure County, ND
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.46, -98.53.
Assembled 2026-10-07. Read the brief.
- 12th pct · 2,666th of 3,063 US counties · median $234,566
- 19th pct · 35th of 43 North Dakota counties · median $198,465
- 21st pct · 2,392nd of 3,063 US counties · median +2.9%
- 9th pct · 39th of 43 North Dakota counties · median +6.1%
- US counties: not published this period
- North Dakota counties: not published this period
- 10th pct · 2,886th of 3,221 US counties · median 8,232
- 46th pct · 29th of 53 North Dakota counties · median 1,520
- 23rd pct · 2,460th of 3,221 US counties · median $1,039
- 9th pct · 48th of 53 North Dakota counties · median $1,064
- 19th pct · 2,473rd of 3,063 US counties · median 4.3
- 35th pct · 28th 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 $142,373 (Aug 2026), +0.1% over one year, -26.9% over five
- 12th pct · 2,666th of 3,063 US counties · median $234,566
- 19th pct · 35th of 43 North Dakota counties · median $198,465
| Item | Value | Distance |
|---|---|---|
| LaMoure County, ND | $142,373 · +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
- 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 $779 a month on $142,373 at 7.28%, against an average weekly wage worth $3,995 a month: 19.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $142,373 × 80% = $113,898, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $779/mo principal and interest
- wage share = payment / (avg weekly wage $922 × 52 / 12 = $3,995) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $142,373 / ($922 × 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 #
1,426 jobs at 241 employers (2026 Q1); +0.3% jobs and -1.1% average weekly wage over the year
- 10th pct · 2,886th of 3,221 US counties · median 8,232
- 46th pct · 29th of 53 North Dakota counties · median 1,520
| Item | Value | Distance |
|---|---|---|
| LaMoure County, ND | 1,426 jobs · $922/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 264 | $1,192 | 4.83 | -2.2% |
| Health care and social assistance | 210 | $545 | 0.98 | +9.4% |
| Finance and insurance | 120 | $1,622 | 2.07 | +0.0% |
| Agriculture, forestry, fishing | 99 | $915 | 9.61 | -7.5% |
| Retail trade | 93 | $531 | 0.67 | -6.1% |
| Accommodation and food services | 58 | $236 | 0.45 | +9.4% |
| Other services | 42 | $613 | 0.99 | -12.5% |
| Construction | 28 | $890 | 0.37 | +3.7% |
| Manufacturing | 27 | $1,133 | 0.24 | +0.0% |
| Information | 17 | $819 | 0.65 | -5.6% |
| Professional and technical services | 16 | $2,741 | 0.16 | -5.9% |
| Arts, entertainment and recreation | 12 | $305 | 0.51 | -20.0% |
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 #
17 gauges · 0 flooding · 5 with quality panels averaging 90 % · 2 stale
Sites found: 17, 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 |
|---|---|---|
| SHEYENNE RIVER BELOW BALDHILL DAM, ND | flow 185.0 ft³/s · quality 50 % (2) | 72 km |
| JAMES RIVER AT CNTY RD 34 NR GRAND RAPIDS, ND | stage 8.04 ft · STALE | 13 km |
| JAMES RIVER ON STATE HIGHWAY 46 NEAR ADRIAN, ND | flow 1,890 ft³/s | 19 km |
| JAMES RIVER AT LAMOURE, ND | flow 230.0 ft³/s · quality 100 % (1) · no flooding | 21 km |
| BEAR CREEK NEAR OAKES, ND | flow 0.26 ft³/s | 44 km |
| SHEYENNE RIVER AT FORT RANSOM STATE PARK, ND | flow 248.0 ft³/s | 47 km |
| JAMES RIVER AT JAMESTOWN, ND | flow 88.9 ft³/s · quality 100 % (1) · no flooding | 49 km |
| JAMES RIVER ON 5TH ST IN JAMESTOWN, ND | stage 92.3 ft · quality 100 % (1) · STALE | 52 km |
| James River at Jamestown Dam | no readings | 54 km |
| Pipestem Creek at Pipestem Dam | no readings | 58 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 #
10 wells in 0 named aquifers:
Sites found: 10, 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-462447098432602 | depth 12.4 ft · 1997-09-29 | 16 km |
| USGS-461958098132901 | depth 15.5 ft · 1998-11-16 | 27 km |
| USGS-465243098284801 | depth 33.6 ft · 2021-06-30 | 46 km |
| USGS-462400097552502 | depth 19.3 ft · 2021-06-30 | 47 km |
| USGS-461838097553402 | depth 6.52 ft · 2021-07-06 | 49 km |
| USGS-465757098274401 | depth 30.3 ft · 2021-06-30 | 56 km |
| USGS-460120097591803 | depth 16.4 ft · 2021-06-29 | 64 km |
| USGS-460120097591802 | depth 10.6 ft · 1993-09-27 | 64 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 (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.10 / 0.55
Banks & federal dollars #
$164.8 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 4,049, highly concentrated. $38.1 m federal obligations in FY2026 (direct payments $32.6 m, contracts $6.5 m), $26,739 per covered job
| Item | Value | Distance |
|---|---|---|
| BankNorth | $78.6 m · 47.7% share · 2 offices | |
| Heartland State Bank | $68.3 m · 41.4% share · 2 offices | |
| Choice Financial Group | $9.3 m · 5.6% share · 1 office | |
| Lamoure, ND | $38.1 m FY2026 · $26,739/job | |
| MULTIPLE RECIPIENTS | $24.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| BankNorth | $78,586,000 | 47.7% | 2 |
| Heartland State Bank | $68,280,000 | 41.4% | 2 |
| Choice Financial Group | $9,289,000 | 5.6% | 1 |
| Dakota Heritage Bank | $8,661,000 | 5.3% | 1 |
Deposit concentration is 4,049 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 = 47.7² + 41.4² + 5.6² + … (1 more) = 4,049
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 | $22,232,911 |
| Department of Agriculture | $8,052,168 |
| Department of Defense | $6,083,836 |
| Department of Veterans Affairs | $1,900,098 |
| Railroad Retirement Board | $573,365 |
| Department of Energy | $245,025 |
| Department of Health and Human Services | $96,750 |
| Department of Education | $46,156 |
| Department of the Interior | $0 |
| Department of Transportation | -$1,100,546 |
That is $26,739 per covered job, against 1,426 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $38.1 m / 1,426 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,739
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 #
LaMoure County, ND: 8 findings, 2 at a watch level and 6 noted
watchLaMoure County, ND's average weekly wage is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchLaMoure County, ND's covered employment of 1,426 scores 10 on the 0-to-100 scale across US counties but 46 across North Dakota counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |10 across US counties - 46 across North Dakota counties|
position among the entities that published this metric this period; not an official level
noteLaMoure County, ND's average weekly wage was 1.1% 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
- -1.1 % = 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
noteLaMoure County, ND's covered employment was 0.3% 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
- +0.3 % = 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
noteLaMoure County, ND's typical home value of +0.1% ranks 39th of 43 North Dakota counties, against a median of +6.1%.
Period 2026-08.Show the arithmetic
- 10 on the 0-to-100 scale across 43 North Dakota counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 8 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.