FIPS 46135, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.01, -97.39.
Assembled 2026-10-02. Read the brief.
- 63rd pct · 1,105th of 3,063 US counties · median $234,566
- 37th pct · 1,921st of 3,063 US counties · median +2.9%
- US counties: not published this period
- 60th pct · 1,276th of 3,221 US counties · median 8,232
- 65th pct · 1,118th of 3,221 US counties · median $1,039
- 60th pct · 1,211th 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 $278,221 (Aug 2026), +1.8% over one year, +17.9% over five
- 63rd pct · 1,105th of 3,063 US counties · median $234,566
| Item | Value | Distance |
|---|---|---|
| Yankton County | $278,221 · +1.8% 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 $1,523 a month on $278,221 at 7.28%, against an average weekly wage worth $4,836 a month: 31.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $278,221 × 80% = $222,577, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,523/mo principal and interest
- wage share = payment / (avg weekly wage $1,116 × 52 / 12 = $4,836) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $278,221 / ($1,116 × 52) = 4.8
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 #
12,577 jobs at 883 employers (2026 Q1); -1.9% jobs and +2.1% average weekly wage over the year
- 60th pct · 1,276th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Yankton County | 12,577 jobs · $1,116/wk · -1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,041 | $1,352 | 3.01 | -7.5% |
| Health care and social assistance | 2,121 | $1,227 | 1.12 | +2.7% |
| Retail trade | 1,591 | $666 | 1.30 | +3.8% |
| Accommodation and food services | 959 | $381 | 0.85 | -2.6% |
| Wholesale trade | 440 | $1,391 | 0.91 | -2.2% |
| Construction | 425 | $1,079 | 0.64 | +3.9% |
| Administrative and waste services | 399 | $1,017 | 0.56 | -7.4% |
| Finance and insurance | 381 | $2,245 | 0.74 | +3.5% |
| Other services | 266 | $623 | 0.71 | -0.7% |
| Transportation and warehousing | 227 | $1,111 | 0.43 | -4.2% |
| Educational services | 225 | $884 | 0.83 | -3.4% |
| Information | 148 | $849 | 0.64 | -6.9% |
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 #
$1.3 bn in deposits at 10 offices of 7 banks (SOD June 2026); HHI 3,712, highly concentrated. $165.1 m federal obligations in FY2026 (direct payments $150.0 m, grants $12.5 m), $13,129 per covered job
| Item | Value | Distance |
|---|---|---|
| First Dakota National Bank | $744.0 m · 56.8% share · 2 offices | |
| First National Bank of Omaha | $235.3 m · 18.0% share · 1 office | |
| CorTrust Bank National Association | $101.0 m · 7.7% share · 3 offices | |
| Yankton, SD | $165.1 m FY2026 · $13,129/job | |
| MULTIPLE RECIPIENTS | $140.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Dakota National Bank | $744,028,000 | 56.8% | 2 |
| First National Bank of Omaha | $235,326,000 | 18.0% | 1 |
| CorTrust Bank National Association | $101,000,000 | 7.7% | 3 |
| Elkhorn Valley Bank & Trust | $98,227,000 | 7.5% | 1 |
| Wells Fargo Bank, National Association | $89,984,000 | 6.9% | 1 |
| First Interstate Bank | $30,105,000 | 2.3% | 1 |
| Farmers and Merchants State Bank, Bloomfield, Nebraska | $12,211,000 | 0.9% | 1 |
Deposit concentration is 3,712 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 = 56.8² + 18.0² + 7.7² + … (4 more) = 3,712
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 | $126,886,564 |
| Department of Veterans Affairs | $13,559,957 |
| Department of Transportation | $11,753,351 |
| Department of Agriculture | $6,959,106 |
| Department of Education | $1,578,733 |
| Department of Housing and Urban Development | $1,557,042 |
| Department of Justice | $1,268,612 |
| Railroad Retirement Board | $511,707 |
| Department of the Interior | $500,665 |
| Department of Health and Human Services | $438,757 |
| Department of Defense | $74,293 |
| Federal Communications Commission | $23,938 |
That is $13,129 per covered job, against 12,577 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $165.1 m / 12,577 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,129
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 46135, SD: 5 findings, 1 at a watch level and 4 noted
watchFIPS 46135, SD's covered employment is -1.9% 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 = -1.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFIPS 46135, SD's average weekly wage was 2.1% 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
- +2.1 % = 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 46135, SD's covered employment was 1.9% 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
- -1.9 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering FIPS 46135, 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
noteThe next Zillow ZHVI typical home value (monthly) covering FIPS 46135, SD is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.