FIPS 46127, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.83, -96.66.
Assembled 2026-10-02. Read the brief.
- 80th pct · 599th of 3,063 US counties · median $234,566
- 53rd pct · 1,427th of 3,063 US counties · median +2.9%
- US counties: not published this period
- 53rd pct · 1,483rd of 3,221 US counties · median 8,232
- 90th pct · 318th of 3,221 US counties · median $1,039
- 61st pct · 1,170th 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 #
Typical home $358,600 (Aug 2026), +3.2% over one year, +21.9% over five
- 80th pct · 599th of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Union County | $358,600 · +3.2% 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
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 $1,963 a month on $358,600 at 7.28%, against an average weekly wage worth $6,153 a month: 31.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $358,600 × 80% = $286,880, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,963/mo principal and interest
- wage share = payment / (avg weekly wage $1,420 × 52 / 12 = $6,153) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $358,600 / ($1,420 × 52) = 4.9
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 #
9,561 jobs at 904 employers (2026 Q1); +1.5% jobs and -1.0% average weekly wage over the year
- 53rd pct · 1,483rd of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Union County | 9,561 jobs · $1,420/wk · +1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,332 | $1,522 | 3.03 | +3.3% |
| Health care and social assistance | 1,254 | $1,358 | 0.87 | -3.0% |
| Professional and technical services | 812 | $2,242 | 1.23 | +3.2% |
| Accommodation and food services | 628 | $414 | 0.73 | -0.3% |
| Finance and insurance | 612 | $2,108 | 1.57 | -3.8% |
| Construction | 551 | $1,372 | 1.10 | +17.7% |
| Administrative and waste services | 469 | $1,469 | 0.86 | +8.8% |
| Wholesale trade | 449 | $1,912 | 1.23 | -5.3% |
| Retail trade | 422 | $785 | 0.45 | -5.0% |
| Management of companies | 246 | $2,652 | 1.54 | -3.9% |
| Arts, entertainment and recreation | 202 | $448 | 1.28 | +9.8% |
| Other services | 189 | $817 | 0.66 | -9.6% |
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 #
Banks & federal dollars #
$773.2 m in deposits at 11 offices of 9 banks (SOD June 2026); HHI 1,836, highly concentrated. $207.1 m federal obligations in FY2026 (direct payments $111.1 m, contracts $68.6 m), $21,662 per covered job
| Item | Value | Distance |
|---|---|---|
| Liberty National Bank | $242.3 m · 31.3% share · 3 offices | |
| Premier Bank | $152.8 m · 19.8% share · 1 office | |
| First Savings Bank | $107.4 m · 13.9% share · 1 office | |
| Union, SD | $207.1 m FY2026 · $21,662/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Liberty National Bank | $242,323,000 | 31.3% | 3 |
| Premier Bank | $152,823,000 | 19.8% | 1 |
| First Savings Bank | $107,425,000 | 13.9% | 1 |
| Security National Bank of South Dakota | $89,263,000 | 11.5% | 1 |
| Central Bank | $56,061,000 | 7.3% | 1 |
| Pioneer Bank | $51,599,000 | 6.7% | 1 |
| First Dakota National Bank | $43,352,000 | 5.6% | 1 |
| Peoples Bank | $18,886,000 | 2.4% | 1 |
| 1st Financial Bank USA | $11,437,000 | 1.5% | 1 |
Deposit concentration is 1,836 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 31.3² + 19.8² + 13.9² + … (6 more) = 1,836
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 #
That is $21,662 per covered job, against 9,561 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $207.1 m / 9,561 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,662
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +0.1% |
| 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 · % | 4.10 | 2026-08-01 | +0.0% |
| 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 #
FIPS 46127, SD: 6 findings, 1 at a watch level and 5 noted
watchFIPS 46127, SD's average weekly wage is -1.0% 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 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteFIPS 46127, SD's covered employment was 1.5% 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
- +1.5 % = 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
noteFIPS 46127, SD's average weekly wage was 1.0% 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 % = 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
noteFIPS 46127, SD's average weekly wage of $1,420 ranks 318th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 90 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering FIPS 46127, SD is due between 2026-09-25 and 2026-10-09, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-09-25 to 2026-10-09, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
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.