Bon Homme County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.99, -97.88.
Assembled 2026-10-06. Read the brief.
- 20th pct · 2,422nd of 3,063 US counties · median $234,566
- 4th pct · 48th of 50 South Dakota counties · median $262,610
- 81st pct · 560th of 3,063 US counties · median +2.9%
- 73rd pct · 14th of 50 South Dakota counties · median +3.6%
- US counties: not published this period
- South Dakota counties: not published this period
- 12th pct · 2,812th of 3,221 US counties · median 8,232
- 47th pct · 35th of 66 South Dakota counties · median 1,825
- 38th pct · 1,983rd of 3,221 US counties · median $1,039
- 55th pct · 30th of 66 South Dakota counties · median $978
- 24th pct · 2,314th of 3,063 US counties · median 4.3
- 4th pct · 48th 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 $163,660 (Aug 2026), +6.2% over one year, +3.5% over five
- 20th pct · 2,422nd of 3,063 US counties · median $234,566
- 4th pct · 48th of 50 South Dakota counties · median $262,610
| Item | Value | Distance |
|---|---|---|
| Bon Homme County, SD | $163,660 · +6.2% 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 $896 a month on $163,660 at 7.28%, against an average weekly wage worth $4,277 a month: 20.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $163,660 × 80% = $130,928, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $896/mo principal and interest
- wage share = payment / (avg weekly wage $987 × 52 / 12 = $4,277) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $163,660 / ($987 × 52) = 3.2
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 #
1,627 jobs at 237 employers (2026 Q1); -1.6% jobs and +7.3% average weekly wage over the year
- 12th pct · 2,812th of 3,221 US counties · median 8,232
- 47th pct · 35th of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Bon Homme County, SD | 1,627 jobs · $987/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 319 | $1,000 | 1.30 | +1.6% |
| Retail trade | 166 | $552 | 1.05 | -2.4% |
| Manufacturing | 130 | $1,467 | 0.99 | -4.4% |
| Wholesale trade | 89 | $1,035 | 1.43 | -5.3% |
| Finance and insurance | 62 | $1,445 | 0.94 | -1.6% |
| Construction | 42 | $1,146 | 0.49 | +0.0% |
| Accommodation and food services | 42 | $213 | 0.29 | -12.5% |
| Other services | 28 | $1,144 | 0.58 | -26.3% |
| Professional and technical services | 22 | $1,278 | 0.20 | +10.0% |
| Real estate and rental | 16 | $790 | 0.64 | -23.8% |
| Arts, entertainment and recreation | 14 | $101 | 0.52 | +27.3% |
| Information | 9 | $1,003 | 0.30 | +0.0% |
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 #
D1 moderate 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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
Water stress #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$237.5 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,612, highly concentrated. $54.3 m federal obligations in FY2026 (direct payments $47.8 m, grants $6.5 m), $33,396 per covered job
| Item | Value | Distance |
|---|---|---|
| Security Bank Midwest | $93.0 m · 39.2% share · 1 office | |
| Community Bank | $60.2 m · 25.4% share · 1 office | |
| The Farmers and Merchants State Bank | $32.4 m · 13.6% share · 1 office | |
| Bon Homme, SD | $54.3 m FY2026 · $33,396/job | |
| MULTIPLE RECIPIENTS | $36.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security Bank Midwest | $93,041,000 | 39.2% | 1 |
| Community Bank | $60,217,000 | 25.4% | 1 |
| The Farmers and Merchants State Bank | $32,369,000 | 13.6% | 1 |
| CorTrust Bank National Association | $31,027,000 | 13.1% | 1 |
| First Savings Bank | $20,810,000 | 8.8% | 1 |
Deposit concentration is 2,612 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 = 39.2² + 25.4² + 13.6² + … (2 more) = 2,612
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 | $32,825,724 |
| Department of Agriculture | $11,295,903 |
| Department of Transportation | $6,147,407 |
| Department of Veterans Affairs | $3,441,807 |
| Department of Education | $329,031 |
| Department of Housing and Urban Development | $116,524 |
| Railroad Retirement Board | $73,444 |
| Department of Justice | $43,809 |
| Department of Health and Human Services | $33,372 |
| Department of Energy | $24,975 |
| Federal Communications Commission | $3,348 |
| Small Business Administration | $0 |
That is $33,396 per covered job, against 1,627 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $54.3 m / 1,627 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,396
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 | 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 #
Bon Homme County, SD: 9 findings, 3 at a watch level and 6 noted
watchBon Homme County, SD's covered employment is -1.6% 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 = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBon Homme County, SD's typical home value is -1.2% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI 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: home.momPct = -1.1692282558329619 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchBon Homme County, SD's covered employment of 1,627 scores 13 on the 0-to-100 scale across US counties but 48 across South Dakota counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |13 across US counties - 48 across South Dakota counties|
position among the entities that published this metric this period; not an official level
noteBon Homme County, SD's average weekly wage was 7.3% 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
- +7.3 % = 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
noteBon Homme County, SD's covered employment was 1.6% 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
- -1.6 % = 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
Read all 9 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.