Stanley County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.41, -100.75.
Assembled 2026-10-06. Read the brief.
- 72nd pct · 856th of 3,063 US counties · median $234,566
- 75th pct · 13th of 50 South Dakota counties · median $262,610
- 25th pct · 2,281st of 3,063 US counties · median +2.9%
- 16th pct · 42nd of 50 South Dakota counties · median +3.6%
- US counties: not published this period
- South Dakota counties: not published this period
- 9th pct · 2,926th of 3,221 US counties · median 8,232
- 36th pct · 42nd of 66 South Dakota counties · median 1,825
- 13th pct · 2,788th of 3,221 US counties · median $1,039
- 16th pct · 55th of 66 South Dakota counties · median $978
- 88th pct · 367th of 3,063 US counties · median 4.3
- 93rd pct · 4th 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 $312,822 (Aug 2026), +0.6% over one year, +2.9% over five
- 72nd pct · 856th of 3,063 US counties · median $234,566
- 75th pct · 13th of 50 South Dakota counties · median $262,610
| Item | Value | Distance |
|---|---|---|
| Stanley County, SD | $312,822 · +0.6% 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 $1,712 a month on $312,822 at 7.28%, against an average weekly wage worth $3,735 a month: 45.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $312,822 × 80% = $250,258, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,712/mo principal and interest
- wage share = payment / (avg weekly wage $862 × 52 / 12 = $3,735) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $312,822 / ($862 × 52) = 7.0
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 #
1,290 jobs at 155 employers (2026 Q1); +0.4% jobs and +0.2% average weekly wage over the year
- 9th pct · 2,926th of 3,221 US counties · median 8,232
- 36th pct · 42nd of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Stanley County, SD | 1,290 jobs · $862/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 276 | $1,012 | 4.08 | +0.4% |
| Retail trade | 184 | $800 | 1.46 | +0.0% |
| Health care and social assistance | 62 | $787 | 0.32 | +12.7% |
| Agriculture, forestry, fishing | 59 | $1,026 | 6.33 | +3.5% |
| Other services | 53 | $575 | 1.37 | +0.0% |
| Professional and technical services | 50 | $1,213 | 0.56 | +11.1% |
| Information | 8 | $1,474 | 0.34 | +0.0% |
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Management of companies | 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 #
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 #
$111.3 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 6,170, highly concentrated. $28.4 m federal obligations in FY2026 (direct payments $23.4 m, grants $4.8 m), $22,050 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank | $82.6 m · 74.2% share · 1 office | |
| First Fidelity Bank | $28.7 m · 25.8% share · 1 office | |
| Stanley, SD | $28.4 m FY2026 · $22,050/job | |
| MULTIPLE RECIPIENTS | $20.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank | $82,569,000 | 74.2% | 1 |
| First Fidelity Bank | $28,728,000 | 25.8% | 1 |
Deposit concentration is 6,170 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 74.2² + 25.8² = 6,170
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 | $17,871,692 |
| Department of Health and Human Services | $2,899,560 |
| Department of Veterans Affairs | $2,583,165 |
| Department of Transportation | $1,927,903 |
| Department of the Interior | $1,649,906 |
| Department of Agriculture | $1,310,578 |
| Department of Defense | $111,011 |
| Railroad Retirement Board | $51,011 |
| Department of Housing and Urban Development | $39,211 |
| Small Business Administration | $0 |
That is $22,050 per covered job, against 1,290 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $28.4 m / 1,290 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,050
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 #
Stanley County, SD: 6 findings, 6 noted
noteStanley County, SD's typical home value fell 0.7% from $315,086 in July 2026 to $312,822 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.7% = (312822.1597927029 - 315085.5317757873) / 315085.5317757873 × 100
- 312822.1597927029 = Zillow ZHVI, 2026-08
- 315085.5317757873 = Zillow ZHVI, 2026-07
noteStanley County, SD's covered employment was 0.4% 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
- +0.4 % = 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
noteStanley County, SD's average weekly wage was 0.2% 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
- +0.2 % = 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
noteStanley County, SD's years of wages of 7.0 ranks 4th of 50 South Dakota counties, against a median of 5.1.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 50 South Dakota counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteStanley County, SD's covered employment of 1,290 ranks 2,926th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 9 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 6 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.