Grant County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.17, -96.77.
Assembled 2026-10-07. Read the brief.
- 51st pct · 1,478th of 3,063 US counties · median $234,566
- 36th pct · 32nd of 50 South Dakota counties · median $262,610
- 96th pct · 121st of 3,063 US counties · median +2.9%
- 89th pct · 6th of 50 South Dakota counties · median +3.6%
- US counties: not published this period
- South Dakota counties: not published this period
- 29th pct · 2,281st of 3,221 US counties · median 8,232
- 75th pct · 17th of 66 South Dakota counties · median 1,825
- 67th pct · 1,030th of 3,221 US counties · median $1,039
- 87th pct · 9th of 66 South Dakota counties · median $978
- 45th pct · 1,671st of 3,063 US counties · median 4.3
- 16th pct · 42nd 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 $239,210 (Aug 2026), +10.2% over one year, +13.4% over five
- 51st pct · 1,478th of 3,063 US counties · median $234,566
- 36th pct · 32nd of 50 South Dakota counties · median $262,610
| Item | Value | Distance |
|---|---|---|
| Grant County, SD | $239,210 · +10.2% 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 $1,309 a month on $239,210 at 7.28%, against an average weekly wage worth $4,914 a month: 26.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $239,210 × 80% = $191,368, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,309/mo principal and interest
- wage share = payment / (avg weekly wage $1,134 × 52 / 12 = $4,914) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $239,210 / ($1,134 × 52) = 4.1
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 #
3,654 jobs at 378 employers (2026 Q1); +0.8% jobs and +3.5% average weekly wage over the year
- 29th pct · 2,281st of 3,221 US counties · median 8,232
- 75th pct · 17th of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Grant County, SD | 3,654 jobs · $1,134/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 754 | $1,534 | 2.56 | +6.3% |
| Retail trade | 422 | $750 | 1.19 | +3.9% |
| Construction | 253 | $1,295 | 1.32 | +16.6% |
| Wholesale trade | 231 | $1,506 | 1.65 | +1.3% |
| Accommodation and food services | 214 | $334 | 0.65 | -0.9% |
| Finance and insurance | 170 | $1,744 | 1.14 | +1.8% |
| Utilities | 142 | $2,103 | 9.84 | -0.7% |
| Other services | 111 | $744 | 1.02 | +1.8% |
| Administrative and waste services | 69 | $1,246 | 0.33 | -22.5% |
| Information | 42 | $466 | 0.62 | +0.0% |
| Transportation and warehousing | 39 | $913 | 0.25 | -39.1% |
| Arts, entertainment and recreation | 17 | $491 | 0.28 | +13.3% |
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.
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$402.7 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 3,695, highly concentrated. $61.2 m federal obligations in FY2026 (direct payments $58.9 m, grants $2.1 m), $16,748 per covered job
| Item | Value | Distance |
|---|---|---|
| First Bank & Trust | $219.2 m · 54.4% share · 1 office | |
| First Interstate Bank | $79.2 m · 19.7% share · 1 office | |
| Wells Fargo Bank, National Association | $71.1 m · 17.7% share · 1 office | |
| Grant, SD | $61.2 m FY2026 · $16,748/job | |
| MULTIPLE RECIPIENTS | $48.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Bank & Trust | $219,170,000 | 54.4% | 1 |
| First Interstate Bank | $79,210,000 | 19.7% | 1 |
| Wells Fargo Bank, National Association | $71,112,000 | 17.7% | 1 |
| Minnwest Bank | $17,722,000 | 4.4% | 1 |
| Frandsen Bank & Trust | $15,495,000 | 3.8% | 1 |
Deposit concentration is 3,695 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 = 54.4² + 19.7² + 17.7² + … (2 more) = 3,695
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 | $42,952,559 |
| Department of Agriculture | $9,382,650 |
| Department of Veterans Affairs | $5,095,100 |
| Department of Transportation | $1,967,049 |
| Department of the Interior | $1,103,277 |
| Railroad Retirement Board | $297,390 |
| Department of Housing and Urban Development | $275,470 |
| Department of Education | $100,974 |
| Department of Defense | $22,224 |
That is $16,748 per covered job, against 3,654 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $61.2 m / 3,654 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,748
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 #
Grant County, SD: 9 findings, 1 at a watch level and 8 noted
watchGrant County, SD's covered employment of 3,654 scores 29 on the 0-to-100 scale across US counties but 75 across South Dakota counties, a gap of 46 points.
Period 2026 Q1.Show the arithmetic
- 46 = |29 across US counties - 75 across South Dakota counties|
position among the entities that published this metric this period; not an official level
noteGrant County, SD's average weekly wage was 3.5% 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
- +3.5 % = 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
noteGrant County, SD's covered employment was 0.8% 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
- +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
noteGrant County, SD's typical home value fell 0.7% from $240,832 in July 2026 to $239,210 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.7% = (239209.8608867718 - 240832.18664943744) / 240832.18664943744 × 100
- 239209.8608867718 = Zillow ZHVI, 2026-08
- 240832.18664943744 = Zillow ZHVI, 2026-07
noteGrant County, SD's typical home value of +10.2% ranks 121st of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
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.