Kingsbury County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.36, -97.50.
Assembled 2026-10-06. Read the brief.
- 57th pct · 1,306th of 3,063 US counties · median $234,566
- 44th pct · 28th of 50 South Dakota counties · median $262,610
- 67th pct · 993rd of 3,063 US counties · median +2.9%
- 59th pct · 21st of 50 South Dakota counties · median +3.6%
- US counties: not published this period
- South Dakota counties: not published this period
- 14th pct · 2,753rd of 3,221 US counties · median 8,232
- 49th pct · 34th of 66 South Dakota counties · median 1,825
- 32nd pct · 2,174th of 3,221 US counties · median $1,039
- 41st pct · 39th of 66 South Dakota counties · median $978
- 66th pct · 1,038th of 3,063 US counties · median 4.3
- 51st pct · 25th 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 $255,613 (Aug 2026), +4.5% over one year, +27.9% over five
- 57th pct · 1,306th of 3,063 US counties · median $234,566
- 44th pct · 28th of 50 South Dakota counties · median $262,610
| Item | Value | Distance |
|---|---|---|
| Kingsbury County, SD | $255,613 · +4.5% 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.
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 $1,399 a month on $255,613 at 7.28%, against an average weekly wage worth $4,169 a month: 33.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $255,613 × 80% = $204,490, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,399/mo principal and interest
- wage share = payment / (avg weekly wage $962 × 52 / 12 = $4,169) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $255,613 / ($962 × 52) = 5.1
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 #
1,811 jobs at 273 employers (2026 Q1); +4.3% jobs and -1.3% average weekly wage over the year
- 14th pct · 2,753rd of 3,221 US counties · median 8,232
- 49th pct · 34th of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Kingsbury County, SD | 1,811 jobs · $962/wk · +4.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 260 | $1,064 | 1.78 | +1.2% |
| Construction | 202 | $935 | 2.13 | +33.8% |
| Wholesale trade | 174 | $1,296 | 2.51 | +1.8% |
| Retail trade | 157 | $498 | 0.89 | +9.8% |
| Agriculture, forestry, fishing | 148 | $1,031 | 11.31 | -8.6% |
| Finance and insurance | 116 | $1,472 | 1.57 | +7.4% |
| Accommodation and food services | 51 | $239 | 0.31 | +15.9% |
| Utilities | 34 | $1,621 | 4.75 | +6.2% |
| Transportation and warehousing | 27 | $948 | 0.35 | +8.0% |
| Professional and technical services | 25 | $1,576 | 0.20 | +19.0% |
| Arts, entertainment and recreation | 10 | $260 | 0.34 | -9.1% |
| Information | 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 #
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 #
24 gauges · 0 flooding · 0 with quality panels · 4 stale
Sites found: 24, 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 |
|---|---|---|
| Vermillion River at Lake Thompson | no flooding | 16 km |
| USGS-06478535 | flow 2.60 ft³/s · STALE | 30 km |
| Big Sioux River at Lake Poinsett Inlet/Outlet | no flooding | 46 km |
| USGS-06479770 | flow 88.0 ft³/s · no flooding | 50 km |
| North Deer Creek above Brookings | no flooding | 50 km |
| Big Sioux River near Estelline | no flooding | 51 km |
| USGS-06479928 | flow 0.20 ft³/s · STALE | 54 km |
| USGS-06479525 | flow 25.5 ft³/s · no flooding | 55 km |
| USGS-06476000 | flow 119.0 ft³/s · no flooding | 56 km |
| Sixmile Creek above Brookings | no flooding | 60 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-442112098174001 | depth 39.1 ft · 2002-09-29 | 63 km |
| USGS-442254098174501 | depth 13.1 ft · 2024-10-02 | 63 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 #
$301.3 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 4,316, highly concentrated. $57.2 m federal obligations in FY2026 (direct payments $48.9 m, grants $8.2 m), $31,568 per covered job
| Item | Value | Distance |
|---|---|---|
| American Bank & Trust | $177.7 m · 59.0% share · 2 offices | |
| Citizens State Bank, of Arlington | $83.4 m · 27.7% share · 1 office | |
| First National Bank | $20.2 m · 6.7% share · 1 office | |
| Kingsbury, SD | $57.2 m FY2026 · $31,568/job | |
| MULTIPLE RECIPIENTS | $34.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| American Bank & Trust | $177,680,000 | 59.0% | 2 |
| Citizens State Bank, of Arlington | $83,378,000 | 27.7% | 1 |
| First National Bank | $20,195,000 | 6.7% | 1 |
| First National Bank | $15,386,000 | 5.1% | 1 |
| CorTrust Bank National Association | $4,699,000 | 1.6% | 1 |
Deposit concentration is 4,316 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 = 59.0² + 27.7² + 6.7² + … (2 more) = 4,316
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 | $30,304,882 |
| Department of Agriculture | $14,418,926 |
| Department of Transportation | $7,999,202 |
| Department of Veterans Affairs | $4,103,292 |
| Department of Housing and Urban Development | $124,726 |
| Railroad Retirement Board | $100,545 |
| Department of Education | $70,247 |
| Federal Communications Commission | $48,101 |
| Small Business Administration | $0 |
| Department of Energy | $0 |
That is $31,568 per covered job, against 1,811 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $57.2 m / 1,811 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,568
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 #
Kingsbury County, SD: 9 findings, 3 at a watch level and 6 noted
watchKingsbury County, SD's average weekly wage is -1.3% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -1.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchKingsbury County, SD's typical home value is -1.0% 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 = -1.0217020560632442 <= -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
watchKingsbury County, SD's covered employment of 1,811 scores 15 on the 0-to-100 scale across US counties but 49 across South Dakota counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |15 across US counties - 49 across South Dakota counties|
position among the entities that published this metric this period; not an official level
noteKingsbury County, SD's covered employment was 4.3% 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
- +4.3 % = 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
noteKingsbury County, SD's average weekly wage was 1.3% 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
- -1.3 % = 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
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.