Hutchinson County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.34, -97.75.
Assembled 2026-10-06. Read the brief.
- 47th pct · 1,594th of 3,063 US counties · median $234,566
- 28th pct · 36th of 50 South Dakota counties · median $262,610
- 95th pct · 146th of 3,063 US counties · median +2.9%
- 87th pct · 7th of 50 South Dakota counties · median +3.6%
- US counties: not published this period
- South Dakota counties: not published this period
- 22nd pct · 2,498th of 3,221 US counties · median 8,232
- 67th pct · 22nd of 66 South Dakota counties · median 1,825
- 34th pct · 2,113th of 3,221 US counties · median $1,039
- 45th pct · 36th of 66 South Dakota counties · median $978
- 55th pct · 1,368th of 3,063 US counties · median 4.3
- 36th pct · 32nd 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 $228,897 (Aug 2026), +9.6% over one year, +21.7% over five
- 47th pct · 1,594th of 3,063 US counties · median $234,566
- 28th pct · 36th of 50 South Dakota counties · median $262,610
| Item | Value | Distance |
|---|---|---|
| Hutchinson County, SD | $228,897 · +9.6% 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 $1,253 a month on $228,897 at 7.28%, against an average weekly wage worth $4,199 a month: 29.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $228,897 × 80% = $183,117, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,253/mo principal and interest
- wage share = payment / (avg weekly wage $969 × 52 / 12 = $4,199) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $228,897 / ($969 × 52) = 4.5
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 #
2,746 jobs at 296 employers (2026 Q1); -0.6% jobs and +4.8% average weekly wage over the year
- 22nd pct · 2,498th of 3,221 US counties · median 8,232
- 67th pct · 22nd of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Hutchinson County, SD | 2,746 jobs · $969/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 353 | $1,536 | 3.36 | -4.3% |
| Manufacturing | 350 | $1,107 | 1.58 | +4.2% |
| Retail trade | 225 | $532 | 0.84 | -6.2% |
| Construction | 127 | $1,404 | 0.88 | +6.7% |
| Finance and insurance | 85 | $1,358 | 0.76 | +0.0% |
| Professional and technical services | 82 | $1,184 | 0.43 | +0.0% |
| Other services | 56 | $830 | 0.68 | -6.7% |
| Administrative and waste services | 46 | $578 | 0.29 | +4.5% |
| Information | 13 | $1,498 | 0.26 | -18.8% |
| Real estate and rental | 6 | $406 | 0.14 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld |
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 #
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 #
32 gauges · 0 flooding · 0 with quality panels · 2 stale
Sites found: 32, 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 |
|---|---|---|
| Wolf Creek (SD) near Clayton | no flooding | 12 km |
| Wolf Creek (SD) near Freeman | out of service | 12 km |
| JAMES RIVER NEAR SCOTLAND, SD | flow 208.0 ft³/s · no flooding | 19 km |
| JAMES RIVER NEAR MITCHELL, SD | flow 394.0 ft³/s · no flooding | 38 km |
| WEST FORK VERMILLION RIVER NEAR PARKER, SD | stage 1.35 ft · no flooding | 45 km |
| JAMES RIVER NEAR YANKTON, SD | flow 192.0 ft³/s · no flooding | 49 km |
| EAST FORK VERMILLION RIVER NEAR PARKER, SD | flow 4.36 ft³/s · no flooding | 53 km |
| CHOTEAU CR NR AVON, SD | flow 0.66 ft³/s · STALE | 54 km |
| Marne Creek above Yankton | no readings | 54 km |
| LEWIS AND CLARK LAKE AT SPRINGFIELD, SD | stage 9.38 ft · no flooding | 55 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 #
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 #
$502.9 m in deposits at 8 offices of 7 banks (SOD June 2026); HHI 1,908, highly concentrated. $61.7 m federal obligations in FY2026 (direct payments $58.6 m, grants $3.1 m), $22,467 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers State Bank | $163.7 m · 32.6% share · 2 offices | |
| Merchants State Bank | $94.1 m · 18.7% share · 1 office | |
| Campbell County Bank, Inc. | $63.2 m · 12.6% share · 1 office | |
| Hutchinson, SD | $61.7 m FY2026 · $22,467/job | |
| MULTIPLE RECIPIENTS | $42.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers State Bank | $163,738,000 | 32.6% | 2 |
| Merchants State Bank | $94,059,000 | 18.7% | 1 |
| Campbell County Bank, Inc. | $63,160,000 | 12.6% | 1 |
| CorTrust Bank National Association | $61,030,000 | 12.1% | 1 |
| First Dakota National Bank | $42,496,000 | 8.4% | 1 |
| BankWest, Inc. | $40,279,000 | 8.0% | 1 |
| First Interstate Bank | $38,160,000 | 7.6% | 1 |
Deposit concentration is 1,908 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 = 32.6² + 18.7² + 12.6² + … (4 more) = 1,908
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 | $37,349,783 |
| Department of Agriculture | $16,353,433 |
| Department of Veterans Affairs | $4,642,764 |
| Department of Transportation | $3,196,125 |
| Department of Education | $50,133 |
| Railroad Retirement Board | $45,217 |
| Federal Communications Commission | $38,117 |
| Department of Health and Human Services | $20,000 |
That is $22,467 per covered job, against 2,746 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $61.7 m / 2,746 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,467
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 | -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 #
Hutchinson County, SD: 7 findings, 2 at a watch level and 5 noted
watchHutchinson County, SD's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHutchinson County, SD's covered employment of 2,746 scores 22 on the 0-to-100 scale across US counties but 68 across South Dakota counties, a gap of 45 points.
Period 2026 Q1.Show the arithmetic
- 45 = |22 across US counties - 68 across South Dakota counties|
position among the entities that published this metric this period; not an official level
noteHutchinson County, SD's average weekly wage was 4.8% 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
- +4.8 % = 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
noteHutchinson County, SD's covered employment was 0.6% 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
- -0.6 % = 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
noteHutchinson County, SD's typical home value rose 0.4% from $228,031 in July 2026 to $228,897 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (228896.72646488645 - 228031.00073432262) / 228031.00073432262 × 100
- 228896.72646488645 = Zillow ZHVI, 2026-08
- 228031.00073432262 = Zillow ZHVI, 2026-07
Read all 7 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.