Oliver County, ND
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.12, -101.33.
Assembled 2026-10-07. Read the brief.
- 61st pct · 1,189th of 3,063 US counties · median $234,566
- 78th pct · 10th of 43 North Dakota counties · median $198,465
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
- 85th pct · 460th of 3,063 US counties · median +2.9%
- 64th pct · 16th of 43 North Dakota counties · median +6.1%
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
- US counties: not published this period
- North Dakota counties: not published this period
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
- 3rd pct · 3,101st of 3,221 US counties · median 8,232
- 21st pct · 42nd of 53 North Dakota counties · median 1,520
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
- 97th pct · 71st of 3,221 US counties · median $1,039
- 98th pct · 2nd of 53 North Dakota counties · median $1,064
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
- 14th pct · 2,611th of 3,063 US counties · median 4.3
- 26th pct · 32nd of 43 North Dakota counties · median 3.3
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
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 $267,650 (Aug 2026), +6.8% over one year, -5.2% over five
- 61st pct · 1,189th of 3,063 US counties · median $234,566
- 78th pct · 10th of 43 North Dakota counties · median $198,465
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oliver County, ND | $267,650 · +6.8% 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
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
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 $1,465 a month on $267,650 at 7.28%, against an average weekly wage worth $8,134 a month: 18.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $267,650 × 80% = $214,120, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,465/mo principal and interest
- wage share = payment / (avg weekly wage $1,877 × 52 / 12 = $8,134) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $267,650 / ($1,877 × 52) = 2.7
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 #
680 jobs at 68 employers (2026 Q1); +5.6% jobs and -2.6% average weekly wage over the year
- 3rd pct · 3,101st of 3,221 US counties · median 8,232
- 21st pct · 42nd of 53 North Dakota counties · median 1,520
- counties in the Bismarck metro: Rank context is unavailable: the manifest lists 3 counties in the Bismarck metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oliver County, ND | 680 jobs · $1,877/wk · +5.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 20 | $2,404 | 0.77 | +25.0% |
| Finance and insurance | 15 | $1,269 | 0.54 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Retail trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld | |||
| Educational services | 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 #
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 #
34 gauges · 0 flooding · 6 with quality panels averaging 73 % · 11 stale
Sites found: 34, 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 |
|---|---|---|
| HEART RIVER NEAR MANDAN, ND | flow 24.1 ft³/s · quality 50 % (2) · no flooding | 42 km |
| HEART RIVER AT STARK BRIDGE NEAR JUDSON, ND | flow 54.7 ft³/s · quality 50 % (2) | 47 km |
| SQUARE BUTTE CREEK BELOW CENTER, ND | flow 1.19 ft³/s | 12 km |
| MISSOURI RIVER NEAR STANTON, ND | stage 6.95 ft | 19 km |
| MISSOURI RIVER NEAR HENSLER, ND | stage 11.7 ft | 21 km |
| MISSOURI RIVER ABOVE STANTON, ND | stage 61.4 ft | 27 km |
| KNIFE RIVER NR STANTON, ND | flow 47.2 ft³/s · quality 88 % (4) · STALE | 27 km |
| KNIFE RIVER AT HAZEN, ND | flow 30.2 ft³/s · observation not current | 29 km |
| MISSOURI RIVER AT WASHBURN, ND | stage 7.87 ft | 29 km |
| MISSOURI RIVER AT PRICE, ND | stage 17.0 ft | 31 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-472121101495901 | depth 29.3 ft · 1978-10-02 | 46 km |
| USGS-472404101515402 | depth 44.9 ft · 1978-06-26 | 51 km |
| USGS-464554100482401 | depth 15.4 ft · 1992-09-30 | 56 km |
| USGS-464521100490302 | depth 5.92 ft · 1982-04-20 | 56 km |
| USGS-473524101001701 | depth 14.4 ft · 1977-12-28 | 58 km |
| USGS-464556100454901 | depth 32.6 ft · 1997-09-29 | 58 km |
| USGS-464239100462401 | depth 11.9 ft · 1992-09-30 | 62 km |
| USGS-473430100491402 | depth 35.9 ft · 1982-12-02 | 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 #
moderate (0.42)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.27 / 0.55
Banks & federal dollars #
$47.5 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $62.8 m federal obligations in FY2026 (grants $49.0 m, direct payments $13.9 m), $92,418 per covered job
| Item | Value | Distance |
|---|---|---|
| Security First Bank of North Dakota | $47.5 m · 100.0% share · 1 office | |
| Oliver, ND | $62.8 m FY2026 · $92,418/job | |
| DCC EAST PROJECT LLC | $48.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security First Bank of North Dakota | $47,526,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 |
|---|---|
| Department of Energy | $48,611,271 |
| Social Security Administration | $10,779,567 |
| Department of Agriculture | $2,079,352 |
| Department of Veterans Affairs | $802,569 |
| Department of Transportation | $358,533 |
| Railroad Retirement Board | $211,607 |
| Department of Housing and Urban Development | $1,170 |
That is $92,418 per covered job, against 680 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $62.8 m / 680 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $92,418
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 #
Oliver County, ND: 11 findings, 1 at a watch level and 10 noted
watchOliver County, ND's average weekly wage is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteOliver County, ND's covered employment was 5.6% 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
- +5.6 % = 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
noteOliver County, ND's average weekly wage was 2.6% 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
- -2.6 % = 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
noteOliver County, ND's typical home value fell 0.7% from $269,670 in July 2026 to $267,650 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.7% = (267649.6015990509 - 269669.7459441651) / 269669.7459441651 × 100
- 267649.6015990509 = Zillow ZHVI, 2026-08
- 269669.7459441651 = Zillow ZHVI, 2026-07
noteOliver County, ND's average weekly wage of $1,877 ranks 2nd of 53 North Dakota counties, against a median of $1,064.
Period 2026 Q1.Show the arithmetic
- 98 on the 0-to-100 scale across 53 North Dakota counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 11 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.