49th pct · 1,557th of 3,063 US counties · median $234,566
Home value, one year
+7.1%
as of August 2026
86th pct · 410th of 3,063 US counties · median +2.9%
Typical rent
not published
US counties: not published this period
Jobs
5,380
as of 2026 Q1-01
39th pct · 1,960th of 3,221 US counties · median 8,232
Average weekly wage
$1,017
as of 2026 Q1-01
44th pct · 1,774th of 3,221 US counties · median $1,039
Years of wages per home
4.4
52nd pct · 1,448th of 3,063 US counties · median 4.3
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.
Typical home $232,782 (Aug 2026), +7.1% over one year, +13.2% over five
49th pct · 1,557th of 3,063 US counties · median $234,566
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.
Item
Value
Distance
Ramsey County
$232,782 · +7.1% 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.
Principal and interest of $1,274 a month on $232,782 at 7.28%, against an average weekly wage worth $4,407 a month: 28.9% of one job’s pay.
payment = P·r / (1 − (1+r)^−n), P = $232,782 × 80% = $186,226, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,274/mo principal and interest
wage share = payment / (avg weekly wage $1,017 × 52 / 12 = $4,407) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
years of wages = $232,782 / ($1,017 × 52) = 4.4
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.
5,380 jobs at 531 employers (2026 Q1); -1.4% jobs and +3.4% average weekly wage over the year
39th pct · 1,960th of 3,221 US counties · median 8,232
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.
Item
Value
Distance
Ramsey County
5,380 jobs · $1,017/wk · -1.4% 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 sector
Jobs
Avg weekly wage
Location quotient
Jobs over the year
Retail trade
885
$778
1.69
-3.5%
Accommodation and food services
694
$403
1.44
-1.4%
Wholesale trade
294
$1,520
1.43
+3.9%
Finance and insurance
190
$2,019
0.87
+3.3%
Manufacturing
171
$1,193
0.40
+1.8%
Construction
157
$1,185
0.56
+1.9%
Other services
112
$570
0.70
-0.9%
Information
109
$1,328
1.10
+3.8%
Transportation and warehousing
91
$1,415
0.40
-13.3%
Professional and technical services
88
$1,562
0.24
+2.3%
Arts, entertainment and recreation
87
$530
0.98
-6.5%
Administrative and waste services
67
$743
0.22
-4.3%
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.
$977.3 m in deposits at 7 offices of 7 banks (SOD June 2026); HHI 3,540, highly concentrated. $111.2 m federal obligations in FY2026 (direct payments $94.9 m, grants $12.6 m), $20,675 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.
Item
Value
Distance
Western State Bank
$542.5 m · 55.5% share · 1 office
First United Bank
$136.0 m · 13.9% share · 1 office
Old National Bank
$131.8 m · 13.5% share · 1 office
Ramsey, ND
$111.2 m FY2026 · $20,675/job
MULTIPLE RECIPIENTS
$66.7 m · top recipient FY2026
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
Institution
Deposits
Share
Offices
Western State Bank
$542,505,000
55.5%
1
First United Bank
$135,972,000
13.9%
1
Old National Bank
$131,760,000
13.5%
1
Gate City Bank
$62,638,000
6.4%
1
Bravera Bank
$45,480,000
4.7%
1
Horizon Financial Bank
$40,038,000
4.1%
1
Citizens State Bank of Lankin
$18,908,000
1.9%
1
Deposit concentration is 3,540 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 55.5² + 13.9² + 13.5² + … (4 more) = 3,540
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.
USAspending place-of-performance obligations for FY2026, by awarding agency.
USAspending, FY2026, place of performance in this county.
Awarding agency
Obligations
Social Security Administration
$58,540,689
Department of Transportation
$19,890,890
Department of Agriculture
$17,520,775
Department of Veterans Affairs
$6,783,212
Department of the Interior
$2,501,248
Department of Education
$2,385,578
Department of Housing and Urban Development
$1,586,532
Railroad Retirement Board
$1,200,730
Department of Defense
$611,752
Department of Health and Human Services
$166,743
Department of Energy
$48,157
Federal Communications Commission
-$6,352
That is $20,675 per covered job, against 5,380 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $111.2 m / 5,380 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,675
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.
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.
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
16.50
2026-09-30
-11.7%
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 · %
71.30
2026-10-01
+0.1%
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
6.00
2026-09-22
-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box
6,830.00
2026-08-01
+7.4%
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 · %
4.10
2026-08-01
+0.0%
US goods and services trade balance, monthly · $ millions
-88,576.00
2026-07-01
-24.4%
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.
FIPS 38071, ND: 5 findings, 1 at a watch level and 4 noted
watchFIPS 38071, ND's covered employment is -1.4% 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 = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFIPS 38071, ND's average weekly wage was 3.4% 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
+3.4 % = 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
noteFIPS 38071, ND's covered employment was 1.4% 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
-1.4 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering FIPS 38071, ND is due between 2026-09-25 and 2026-10-09, estimated from the publisher's past release pattern.
Show the arithmetic
window = 2026-09-25 to 2026-10-09, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering FIPS 38071, ND is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date