Beadle County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.42, -98.28.
Assembled 2026-10-06. Read the brief.
- 34th pct · 1,996th of 3,063 US counties · median $234,566
- 14th pct · 43rd of 50 South Dakota counties · median $262,610
- 57th pct · 1,297th of 3,063 US counties · median +2.9%
- 51st pct · 25th of 50 South Dakota counties · median +3.6%
- US counties: not published this period
- South Dakota counties: not published this period
- 50th pct · 1,604th of 3,221 US counties · median 8,232
- 81st pct · 13th of 66 South Dakota counties · median 1,825
- 50th pct · 1,579th of 3,221 US counties · median $1,039
- 67th pct · 22nd of 66 South Dakota counties · median $978
- 33rd pct · 2,026th of 3,063 US counties · median 4.3
- 10th pct · 45th of 50 South Dakota counties · median 5.1
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 $194,545 (Aug 2026), +3.7% over one year, +12.1% over five
- 34th pct · 1,996th of 3,063 US counties · median $234,566
- 14th pct · 43rd of 50 South Dakota counties · median $262,610
| Item | Value | Distance |
|---|---|---|
| Beadle County, SD | $194,545 · +3.7% 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
- South 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 $1,065 a month on $194,545 at 7.28%, against an average weekly wage worth $4,515 a month: 23.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $194,545 × 80% = $155,636, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,065/mo principal and interest
- wage share = payment / (avg weekly wage $1,042 × 52 / 12 = $4,515) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $194,545 / ($1,042 × 52) = 3.6
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 #
8,280 jobs at 691 employers (2026 Q1); -1.5% jobs and +2.4% average weekly wage over the year
- 50th pct · 1,604th of 3,221 US counties · median 8,232
- 81st pct · 13th of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Beadle County, SD | 8,280 jobs · $1,042/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,017 | $990 | 3.03 | +6.2% |
| Retail trade | 942 | $714 | 1.17 | -4.0% |
| Accommodation and food services | 541 | $342 | 0.73 | +5.9% |
| Wholesale trade | 454 | $1,265 | 1.43 | -10.8% |
| Finance and insurance | 438 | $1,875 | 1.30 | -5.2% |
| Construction | 306 | $1,125 | 0.70 | -1.3% |
| Other services | 155 | $963 | 0.63 | -12.4% |
| Administrative and waste services | 134 | $1,075 | 0.28 | -8.8% |
| Professional and technical services | 127 | $1,158 | 0.22 | +5.0% |
| Management of companies | 127 | $1,849 | 0.92 | -7.3% |
| Arts, entertainment and recreation | 92 | $426 | 0.67 | +8.2% |
| Real estate and rental | 64 | $614 | 0.50 | +1.6% |
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 #
D0 abnormally dry
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 #
11 gauges · 0 flooding · 0 with quality panels
Sites found: 11, 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 |
|---|---|---|
| JAMES RIVER AT HURON, SD | flow 113.0 ft³/s · no flooding | 9 km |
| Turtle Creek near Tulare | out of service | 43 km |
| Turtle Creek near Tulare | no flooding | 43 km |
| JAMES RIVER NEAR FORESTBURG, SD | flow 102.0 ft³/s · no flooding | 52 km |
| Turtle Creek at Redfield | observation not current | 55 km |
| JAMES RIVER NEAR REDFIELD, SD | flow 83.8 ft³/s · no flooding | 57 km |
| Snake Creek near Ashton | no flooding | 63 km |
| JAMES RIVER AT ASHTON, SD | flow 114.0 ft³/s · no flooding | 66 km |
| Snake Creek above Ashton | no readings | 68 km |
| Vermillion River at Lake Thompson | no flooding | 70 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-442254098174501 | depth 13.1 ft · 2024-10-02 | 4 km |
| USGS-442112098174001 | depth 39.1 ft · 2002-09-29 | 7 km |
| USGS-435039098263403 | depth 55.0 ft · 2002-09-29 | 65 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$522.1 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,557, highly concentrated. $137.0 m federal obligations in FY2026 (direct payments $118.5 m, grants $15.9 m), $16,546 per covered job
| Item | Value | Distance |
|---|---|---|
| American Bank & Trust | $270.8 m · 51.9% share · 2 offices | |
| First National Bank | $107.6 m · 20.6% share · 1 office | |
| Wells Fargo Bank, National Association | $106.3 m · 20.4% share · 1 office | |
| Beadle, SD | $137.0 m FY2026 · $16,546/job | |
| MULTIPLE RECIPIENTS | $90.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| American Bank & Trust | $270,844,000 | 51.9% | 2 |
| First National Bank | $107,627,000 | 20.6% | 1 |
| Wells Fargo Bank, National Association | $106,348,000 | 20.4% | 1 |
| Heartland State Bank | $19,832,000 | 3.8% | 1 |
| BMO Bank National Association | $17,408,000 | 3.3% | 1 |
Deposit concentration is 3,557 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 51.9² + 20.6² + 20.4² + … (2 more) = 3,557
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 | $82,212,277 |
| Department of Agriculture | $26,264,338 |
| Department of Transportation | $15,915,992 |
| Department of Veterans Affairs | $7,151,089 |
| Department of Housing and Urban Development | $1,736,717 |
| Department of Energy | $1,648,647 |
| Railroad Retirement Board | $1,410,208 |
| Department of Justice | $279,888 |
| General Services Administration | $236,485 |
| Department of the Interior | $98,123 |
| Department of Health and Human Services | $50,000 |
| Federal Communications Commission | $31,575 |
That is $16,546 per covered job, against 8,280 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $137.0 m / 8,280 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,546
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 · % | 73.00 | 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 | 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 · % | 4.20 | 2026-09-01 | +2.4% |
| 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.
What changed #
Beadle County, SD: 6 findings, 2 at a watch level and 4 noted
watchBeadle County, SD's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBeadle County, SD's covered employment of 8,280 scores 50 on the 0-to-100 scale across US counties but 82 across South Dakota counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |50 across US counties - 82 across South Dakota counties|
position among the entities that published this metric this period; not an official level
noteBeadle County, SD's average weekly wage was 2.4% 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
- +2.4 % = 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
noteBeadle County, SD's covered employment was 1.5% 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
- -1.5 % = 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
noteBeadle County, SD's typical home value rose 0.5% from $193,666 in July 2026 to $194,545 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (194544.63010974685 - 193666.0526385981) / 193666.0526385981 × 100
- 194544.63010974685 = Zillow ZHVI, 2026-08
- 193666.0526385981 = Zillow ZHVI, 2026-07
Read all 6 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.