McKenzie County, ND

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.74, -103.40.

Assembled 2026-10-02. Read the brief.

Typical home value
$371,602
as of August 2026
  • 82nd pct · 543rd of 3,063 US counties · median $234,566
  • 97th pct · 2nd of 43 North Dakota counties · median $198,465
Home value, one year
+6.6%
as of August 2026
  • 83rd pct · 499th of 3,063 US counties · median +2.9%
  • 59th pct · 18th of 43 North Dakota counties · median +6.1%
Typical rent
$1,254
as of August 2026
  • 26th pct · 1,030th of 1,399 US counties · median $1,496
  • 50th pct · 6th of 11 North Dakota counties · median $1,254
Jobs
11,125
as of 2026 Q1-01
  • 57th pct · 1,379th of 3,221 US counties · median 8,232
  • 86th pct · 8th of 53 North Dakota counties · median 1,520
Average weekly wage
$1,818
as of 2026 Q1-01
  • 97th pct · 85th of 3,221 US counties · median $1,039
  • 96th pct · 3rd of 53 North Dakota counties · median $1,064
Years of wages per home
3.9
  • 42nd pct · 1,754th of 3,063 US counties · median 4.3
  • 73rd pct · 12th 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $371,602 (Aug 2026), +6.6% over one year, +14.6% over five

  • 82nd pct · 543rd of 3,063 US counties · median $234,566
  • 97th pct · 2nd of 43 North Dakota counties · median $198,465
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.
ItemValueDistance
McKenzie County, ND$371,602 · +6.6% 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $1,254/mo (Aug 2026), n/a over one year; price-to-rent 24.7

  • 26th pct · 1,030th of 1,399 US counties · median $1,496
  • 50th pct · 6th of 11 North Dakota counties · median $1,254
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
McKenzie County, ND$1,254/mo · n/a 1-yr

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 #

currentretrieved 2026-10-02

Principal and interest of $2,034 a month on $371,602 at 7.28%, against an average weekly wage worth $7,878 a month: 25.8% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $371,602 × 80% = $297,282, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,034/mo principal and interest
  • wage share = payment / (avg weekly wage $1,818 × 52 / 12 = $7,878) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $371,602 / ($1,818 × 52) = 3.9
  • price-to-rent = $371,602 / ($1,254 × 12) = 24.7

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 #

currentas of 2026 Q1retrieved 2026-10-02

11,125 jobs at 844 employers (2026 Q1); -5.0% jobs and +0.7% average weekly wage over the year

  • 57th pct · 1,379th of 3,221 US counties · median 8,232
  • 86th pct · 8th of 53 North Dakota counties · median 1,520
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.
ItemValueDistance
McKenzie County, ND11,125 jobs · $1,818/wk · -5.0% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Mining, oil and gas1,809$2,96245.67-10.8%
Transportation and warehousing1,554$2,7163.31+7.9%
Retail trade617$7270.57+2.2%
Health care and social assistance591$1,2950.35+9.9%
Wholesale trade509$2,2881.19-12.7%
Accommodation and food services466$5180.47+9.1%
Professional and technical services419$1,8070.55-12.2%
Real estate and rental353$2,3762.07-9.7%
Finance and insurance111$2,7990.24+1.8%
Utilities97$2,5562.21+11.5%
Arts, entertainment and recreation29$4010.16-6.5%
Agriculture, forestry, fishing28$7880.35+12.0%

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 #

currentretrieved 2026-10-02

D3 extreme 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 #

currentretrieved 2026-10-02

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 #

currentretrieved 2026-10-02

18 gauges · 0 flooding · 5 with quality panels averaging 65 % · 2 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.

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.
SiteReadingDistance
UNNAMED TRIB @ JACKSON WELL NR CHARBONNEAU, NDtemp 0.20 °C · quality 50 % (2) · STALE26 km
CHARBONNEAU CREEK NR CHARBONNEAU, NDflow 0.47 ft³/s · quality 50 % (2) · STALE32 km
LITTLE MUDDY RIVER BL COW CREEK NR WILLISTON, NDflow 3.88 ft³/s · quality 50 % (2) · no flooding62 km
CHERRY CREEK ON STATE HIGHWAY 23 NEAR SCHAFER, NDflow 1.66 ft³/s18 km
LITTLE MISSOURI RIVER NEAR WATFORD CITY, NDflow 3.84 ft³/s · no flooding20 km
TOBACCO GARDEN CREEK NEAR WATFORD CITY, NDflow 4.41 ft³/s33 km
YELLOWSTONE RIVER NO. 2 NEAR CARTWRIGHT, NDstage 62.7 ft44 km
MISSOURI RIVER NO. 9 AT WILLISTON, NDstage 22.7 ft47 km
MISSOURI RIVER NEAR WILLISTON, NDstage 12.9 ft · quality 100 % (1) · no flooding47 km
BEAR DEN CREEK NEAR MANDAREE, NDflow 0.06 ft³/s48 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 #

currentretrieved 2026-10-02

5 wells in 0 named aquifers:

Sites found: 5, 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.
SiteReadingDistance
USGS-475341103424102depth 107.8 ft · 2021-06-3029 km
USGS-480124103485901depth 6.45 ft · 1982-12-0244 km
USGS-481056103033001depth 31.4 ft · 1982-12-0155 km
USGS-472144102453402depth 4.64 ft · 2021-06-3064 km
USGS-475840102295001depth 57.6 ft · 1977-12-0972 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 #

currentretrieved 2026-10-02

high (0.60)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.35 / 0.55

Banks & federal dollars #

currentretrieved 2026-10-02

$1.4 bn in deposits at 5 offices of 3 banks (SOD June 2026); HHI 5,913, highly concentrated. $-66,043 federal obligations in FY2026, $-6 per covered job

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.
ItemValueDistance
First International Bank & Trust$1.0 bn · 73.6% share · 3 offices
Cornerstone Bank$305.7 m · 22.0% share · 1 office
BNC National Bank$62.5 m · 4.5% share · 1 office
McKenzie, ND$-66,043 FY2026 · $-6/job
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
First International Bank & Trust$1,024,399,00073.6%3
Cornerstone Bank$305,668,00022.0%1
BNC National Bank$62,479,0004.5%1

Deposit concentration is 5,913 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 = 73.6² + 22.0² + 4.5² = 5,913

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 #

unavailableretrieved 2026-10-02USAspending did not return a recipient, agency and NAICS breakdown for this county.

That is -$6 per covered job, against 11,125 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $-66,043 / 11,125 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $-6

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 #

currentretrieved 2026-10-02

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.102026-08-01+0.0%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-02

McKenzie County, ND: 16 findings, 1 at an alert level, 4 at a watch level and 11 noted

  1. alertMcKenzie County, ND's covered employment is -5.0% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -5 <= -3

    BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level

  2. watchMcKenzie County, ND's covered employment is -5.0% 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 = -5 < 0

    BLS QCEW over-the-year percent change, as published; not an official level

  3. watchMcKenzie County, ND's price-to-rent ratio of 24.7 ranks 96th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 93.20457796852646 >= 90
    • typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month

    position among the counties that published both ZHVI and ZORI this month; not an official level

  4. watchMcKenzie County, ND's typical asking rent is -1.7% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.6602658722470187 <= -1
    • month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

    arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level

  5. watchMcKenzie County, ND's years of wages of 3.9 scores 43 on the 0-to-100 scale across US counties but 74 across North Dakota counties, a gap of 31 points.

    Period 2026-08.
    Show the arithmetic
    • 31 = |43 across US counties - 74 across North Dakota counties|
    • typical home value / (average weekly wage × 52); one average covered job, not a household

    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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $371,602 / ($1,254 × 12) = 24.7
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 38053, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · payment = P·r / (1 − (1+r)^−n), P = $371,602 × 80% = $297,282, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,034/mo principal and interest; wage share = payment / (avg weekly wage $1,818 × 52 / 12 = $7,878) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $371,602 / ($1,818 × 52) = 3.9; price-to-rent = $371,602 / ($1,254 × 12) = 24.7
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 38053, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • publishedBorder Crossing Entry DataU.S. Bureau of Transportation Statisticsopen the source
    keg4-3bc2 border crossing entry data · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +6.6% / ±10% × 0.3, jobs over-the-year change -5.0% / ±3% × 0.3, avg weekly wage over-the-year change +0.7% / ±6% × 0.25
  • publishedU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    USDM_current · retrieved 2026-10-02
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00010,00060,00065,00095,63680 · period 2026-10-02T00:30:00.000Z · retrieved 2026-10-02
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-02T00:00:00Z · retrieved 2026-10-02
  • estimateUSGS Water Data APIU.S. Geological Surveyopen the source
    · retrieved 2026-10-02 · quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 5 sites = 65 %
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019 · period 2021-06-30T00:00:00.000Z · retrieved 2026-10-02
  • estimateU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    · retrieved 2026-10-02 · supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.35 / 0.55 = 0.60; terms drought (D3 / 4), quality (1 − 65 % / 100)
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054 · period 2026-10-02T00:30:00+00:00 · retrieved 2026-10-02
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-02T00:15:00Z · retrieved 2026-10-02
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019,62610,62611 · period 2026-09-30 · retrieved 2026-10-02
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:38053:2026 · period 2026-06-30 · retrieved 2026-10-02
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:38053:2026 · period 2026-06-30 · retrieved 2026-10-02 · HHI = Σ (share %)² over 3 banks with deposits in the county = 73.6² + 22.0² + 4.5² = 5,913
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-02
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-02 · per job = FY2026 obligations $-66,043 / 11,125 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $-6
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $371,602 / ($1,254 × 12) = 24.7.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 38053, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/38053.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $371,602 × 80% = $297,282, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,034/mo principal and interest; wage share = payment / (avg weekly wage $1,818 × 52 / 12 = $7,878) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $371,602 / ($1,818 × 52) = 3.9; price-to-rent = $371,602 / ($1,254 × 12) = 24.7.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 38053, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/38053.csv. accessed 2026-10-02.
  • U.S. Bureau of Transportation Statistics. Border Crossing Entry Data. series keg4-3bc2 border crossing entry data. period 2026-08. https://data.bts.gov/resource/keg4-3bc2.json. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +6.6% / ±10% × 0.3, jobs over-the-year change -5.0% / ±3% × 0.3, avg weekly wage over-the-year change +0.7% / ±6% × 0.25.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. series USDM_current. https://droughtmonitor.unl.edu/CurrentMap.aspx. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00010,00060,00065,00095,63680. period 2026-10-02T00:30:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-02T00:00:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. https://api.waterdata.usgs.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 5 sites = 65 %.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019. period 2021-06-30T00:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-02.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. https://droughtmonitor.unl.edu/. accessed 2026-10-02. estimate computed by Embedding Atlas: supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.35 / 0.55 = 0.60; terms drought (D3 / 4), quality (1 − 65 % / 100).
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054. period 2026-10-02T00:30:00+00:00. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-02T00:15:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019,62610,62611. period 2026-09-30. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:38053:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A38053+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:38053:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-02. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 3 banks with deposits in the county = 73.6² + 22.0² + 4.5² = 5,913.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-02.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: per job = FY2026 obligations $-66,043 / 11,125 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $-6.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • Water rows are everything within 75 km of this place's internal point (150 km for reservoirs), not everything inside its boundary: lib/water searches discs, and every row prints its own distance.
  • Server report: satellite turbidity is only computed in a browser, so that term is absent here.
  • Stress uses 2 of 4 terms (drought, quality); missing terms are left out, not assumed.
  • Groundwater has no trend term: one latest level cannot say whether an aquifer is being drawn down.
  • USAspending did not answer for recipients, awarding agencies and NAICS.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 2 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T00:48:09.747Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.