Ashland County, WI

Home values #

Typical home $187,072 (Aug 2026), -6.0% over one year, +7.7% over five

• 31st pct · 2,104th of 3,063 US counties · median $234,566
• 0th pct · 72nd of 72 Wisconsin counties · median $298,900

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
• Wisconsin 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 $1,024 a month on $187,072 at 7.28%, against an average weekly wage worth $4,437 a month: 23.1% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $187,072 × 80% = $149,658, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,024/mo principal and interest
• wage share = payment / (avg weekly wage $1,024 × 52 / 12 = $4,437) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $187,072 / ($1,024 × 52) = 3.5

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 #

7,578 jobs at 618 employers (2026 Q1); -2.5% jobs and +4.7% average weekly wage over the year

• 47th pct · 1,678th of 3,221 US counties · median 8,232
• 30th pct · 50th of 72 Wisconsin counties · median 15,405

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 #

D3 extreme drought

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 #

32 gauges · 0 flooding · 6 with quality panels averaging 100 % · 13 stale

Sites found: 32, 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 #

7 wells in 0 named aquifers:

Sites found: 7, 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 #

moderate (0.48)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55

Banks & federal dollars #

$501.6 m in deposits at 8 offices of 4 banks (SOD June 2026); HHI 3,594, highly concentrated. $154.5 m federal obligations in FY2026 (direct payments $130.6 m, grants $22.1 m), $20,382 per covered job

Deposit concentration is 3,594 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 4 banks with deposits in the county = 52.0² + 22.8² + 18.0² + … (1 more) = 3,594

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.

That is $20,382 per covered job, against 7,578 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $154.5 m / 7,578 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,382

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.

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 #

Ashland County, WI: 17 findings, 1 at an alert level, 5 at a watch level and 11 noted

1. alertAshland County, WI's typical home value is -6.0% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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.yoyPct = -5.952258095964028 <= -5

   arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level

2. watchAshland County, WI's typical home value is -6.0% 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 = -5.952258095964028 < 0

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

3. watchAshland County, WI's covered employment is -2.5% 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 = -2.5 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

4. watchAshland County, WI's momentum index is -0.27, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.27380518770069123 <= -0.25
   • 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%)

   the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level

5. watchAshland County, WI's years of wages of 3.5 scores 32 on the 0-to-100 scale across US counties but 0 across Wisconsin counties, a gap of 32 points.

   Period 2026-08.
   Show the arithmetic

   • 32 = |32 across US counties - 0 across Wisconsin counties|
   • 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

Read all 12 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.