65th pct · 1,066th of 3,063 US counties · median $234,566
Home value, one year
+3.5%
as of August 2026
56th pct · 1,331st of 3,063 US counties · median +2.9%
Typical rent
$1,261
as of August 2026
27th pct · 1,021st of 1,399 US counties · median $1,496
Jobs
30,481
as of 2026 Q1-01
77th pct · 716th of 3,221 US counties · median 8,232
Average weekly wage
$1,234
as of 2026 Q1-01
79th pct · 662nd of 3,221 US counties · median $1,039
Years of wages per home
4.4
53rd pct · 1,439th 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 $283,144 (Aug 2026), +3.5% over one year, +27.6% over five
65th pct · 1,066th 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
Ward County
$283,144 · +3.5% 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 $1,550 a month on $283,144 at 7.28%, against an average weekly wage worth $5,347 a month: 29.0% of one job’s pay.
payment = P·r / (1 − (1+r)^−n), P = $283,144 × 80% = $226,515, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,550/mo principal and interest
wage share = payment / (avg weekly wage $1,234 × 52 / 12 = $5,347) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
years of wages = $283,144 / ($1,234 × 52) = 4.4
price-to-rent = $283,144 / ($1,261 × 12) = 18.7
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.
30,481 jobs at 2,671 employers (2026 Q1); -0.8% jobs and +2.2% average weekly wage over the year
77th pct · 716th 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
Ward County
30,481 jobs · $1,234/wk · -0.8% 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
Health care and social assistance
5,397
$1,409
1.18
+8.2%
Retail trade
4,410
$755
1.48
-4.5%
Accommodation and food services
3,198
$442
1.17
-2.7%
Construction
1,649
$1,309
1.03
-1.4%
Wholesale trade
1,508
$1,694
1.29
-7.5%
Mining, oil and gas
1,261
$3,483
11.62
-10.2%
Transportation and warehousing
1,208
$1,307
0.94
+3.2%
Finance and insurance
1,030
$1,977
0.83
-2.0%
Other services
1,030
$1,024
1.13
-1.8%
Administrative and waste services
955
$1,001
0.55
+0.7%
Professional and technical services
914
$1,571
0.43
-6.4%
Arts, entertainment and recreation
572
$429
1.14
+5.7%
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.
$3.5 bn in deposits at 20 offices of 11 banks (SOD June 2026); HHI 1,718, moderately concentrated. $480.2 m federal obligations in FY2026 (direct payments $369.5 m, contracts $73.8 m), $15,753 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
First Western Bank & Trust
$1.2 bn · 33.9% share · 3 offices
First International Bank & Trust
$532.5 m · 15.4% share · 3 offices
Gate City Bank
$301.4 m · 8.7% share · 2 offices
Ward, ND
$480.2 m FY2026 · $15,753/job
MULTIPLE RECIPIENTS
$333.4 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
First Western Bank & Trust
$1,170,842,000
33.9%
3
First International Bank & Trust
$532,531,000
15.4%
3
Gate City Bank
$301,383,000
8.7%
2
Old National Bank
$293,247,000
8.5%
2
Bravera Bank
$253,348,000
7.3%
2
Wells Fargo Bank, National Association
$249,533,000
7.2%
1
State Bank & Trust of Kenmare
$182,804,000
5.3%
3
Peoples State Bank of Velva
$127,768,000
3.7%
1
Cornerstone Bank
$123,118,000
3.6%
1
U.S. Bank National Association
$109,022,000
3.2%
1
Deposit concentration is 1,718 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 33.9² + 15.4² + 8.7² + … (8 more) = 1,718
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
$245,449,128
Department of Veterans Affairs
$75,234,736
Department of Defense
$55,582,372
Department of Transportation
$27,268,249
Department of Agriculture
$24,169,328
Department of Education
$15,508,244
Railroad Retirement Board
$12,660,135
Department of Housing and Urban Development
$10,236,238
Department of Labor
$8,970,862
Department of Health and Human Services
$4,947,783
General Services Administration
$304,117
Department of Homeland Security
$13,363
That is $15,753 per covered job, against 30,481 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $480.2 m / 30,481 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,753
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 38101, ND: 7 findings, 1 at a watch level and 6 noted
watchFIPS 38101, ND's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFIPS 38101, ND's average weekly wage was 2.2% 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
+2.2 % = 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 38101, ND's covered employment was 0.8% 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
-0.8 % = 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 38101, ND's typical home value rose 0.3% from $282,180 in July 2026 to $283,144 in August 2026, on Zillow ZHVI.
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering FIPS 38101, 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