FIPS 46081, SD

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.36, -103.79.

Assembled 2026-10-02. Read the brief.

Typical home value
$449,746
as of August 2026
  • 90th pct · 291st of 3,063 US counties · median $234,566
Home value, one year
-0.7%
as of August 2026
  • 16th pct · 2,566th of 3,063 US counties · median +2.9%
Typical rent
$1,530
as of August 2026
  • 53rd pct · 656th of 1,399 US counties · median $1,496
Jobs
13,532
as of 2026 Q1-01
  • 62nd pct · 1,214th of 3,221 US counties · median 8,232
Average weekly wage
$1,041
as of 2026 Q1-01
  • 50th pct · 1,587th of 3,221 US counties · median $1,039
Years of wages per home
8.3
  • 93rd pct · 190th of 3,063 US counties · median 4.3

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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $449,746 (Aug 2026), -0.7% over one year, +20.7% over five

  • 90th pct · 291st of 3,063 US counties · median $234,566
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.
ItemValueDistance
Lawrence County$449,746 · -0.7% 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $1,530/mo (Aug 2026), n/a over one year; price-to-rent 24.5

  • 53rd pct · 656th of 1,399 US counties · median $1,496
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
Lawrence County$1,530/mo · n/a 1-yr

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 #

currentretrieved 2026-10-02

Principal and interest of $2,462 a month on $449,746 at 7.28%, against an average weekly wage worth $4,511 a month: 54.6% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $449,746 × 80% = $359,797, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,462/mo principal and interest
  • wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 55% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $449,746 / ($1,041 × 52) = 8.3
  • price-to-rent = $449,746 / ($1,530 × 12) = 24.5

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 #

currentas of 2026 Q1retrieved 2026-10-02

13,532 jobs at 1,709 employers (2026 Q1); +0.6% jobs and +7.9% average weekly wage over the year

  • 62nd pct · 1,214th of 3,221 US counties · median 8,232
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.
ItemValueDistance
Lawrence County13,532 jobs · $1,041/wk · +0.6% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Accommodation and food services2,949$5862.43-6.0%
Health care and social assistance1,800$1,2290.88+4.3%
Retail trade1,760$7731.33+0.3%
Construction849$1,2181.20+1.3%
Professional and technical services756$1,6230.81+7.7%
Administrative and waste services674$5470.88+0.0%
Arts, entertainment and recreation660$6092.96+5.3%
Manufacturing398$1,2980.37+3.4%
Other services381$7770.94+2.7%
Mining, oil and gas358$4,0697.43+5.9%
Finance and insurance310$1,8770.56+3.7%
Transportation and warehousing255$1,1160.45+4.5%

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.

Water #

unavailableretrieved 2026-10-02County 46081 has no centroid in the offline manifest yet, and the water report is a search around a point.

Banks and federal dollars #

unavailableretrieved 2026-10-02Deposits and federal obligations is unavailable: Deposits and federal obligations did not answer within 8000 ms

Federal obligations #

unavailableretrieved 2026-10-02Deposits and federal obligations is unavailable: Deposits and federal obligations did not answer within 8000 ms

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 #

currentretrieved 2026-10-02

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.102026-08-01+0.0%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-02

FIPS 46081, SD: 11 findings, 5 at a watch level and 6 noted

  1. watchFIPS 46081, SD's years of wages of 8.3 ranks 190th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 93.82756368386676 >= 90
    • typical home value / (average weekly wage × 52); one average covered job, not a household

    position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level

  2. watchFIPS 46081, SD's typical asking rent is -3.7% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI 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: rent.momPct = -3.6724473324885674 <= -1
    • month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

    arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level

  3. watchFIPS 46081, SD's price-to-rent ratio of 24.5 ranks 105th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 92.56080114449213 >= 90
    • typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month

    position among the counties that published both ZHVI and ZORI this month; not an official level

  4. watchFIPS 46081, SD's typical home value is -0.7% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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.yoyPct = -0.7294807908690721 < 0

    arithmetic on Zillow ZHVI, county and metro files; not an official level

  5. watchFIPS 46081, SD's typical asking rent fell 3.7% from $1,588 in July 2026 to $1,530 in August 2026, on Zillow ZORI.

    Period 2026-08.
    Show the arithmetic
    • -3.7% = (1529.638888888889 - 1587.9557266119489) / 1587.9557266119489 × 100
    • 1529.638888888889 = Zillow ZORI, 2026-08
    • 1587.9557266119489 = Zillow ZORI, 2026-07

Read all 11 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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $449,746 / ($1,530 × 12) = 24.5
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 46081, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · payment = P·r / (1 − (1+r)^−n), P = $449,746 × 80% = $359,797, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,462/mo principal and interest; wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 55% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $449,746 / ($1,041 × 52) = 8.3; price-to-rent = $449,746 / ($1,530 × 12) = 24.5
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 46081, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change -0.7% / ±10% × 0.3, jobs over-the-year change +0.6% / ±3% × 0.3, avg weekly wage over-the-year change +7.9% / ±6% × 0.25
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $449,746 / ($1,530 × 12) = 24.5.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 46081, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/46081.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $449,746 × 80% = $359,797, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,462/mo principal and interest; wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 55% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $449,746 / ($1,041 × 52) = 8.3; price-to-rent = $449,746 / ($1,530 × 12) = 24.5.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 46081, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/46081.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change -0.7% / ±10% × 0.3, jobs over-the-year change +0.6% / ±3% × 0.3, avg weekly wage over-the-year change +7.9% / ±6% × 0.25.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • County 46081 is not in the offline place manifest yet (21 of about 3,235 counties are), so its name and centroid have to come from upstream at request time.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T01:39:29.656Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.