Calumet County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.08, -88.21.
Assembled 2026-10-06. Read the brief.
- 83rd pct · 503rd of 3,063 US counties · median $234,566
- 88th pct · 9th of 72 Wisconsin counties · median $298,900
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
- 73rd pct · 801st of 3,063 US counties · median +2.9%
- 38th pct · 45th of 72 Wisconsin counties · median +6.0%
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Wisconsin counties: not published this period
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
- 66th pct · 1,093rd of 3,221 US counties · median 8,232
- 53rd pct · 34th of 72 Wisconsin counties · median 15,405
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
- 49th pct · 1,637th of 3,221 US counties · median $1,039
- 48th pct · 37th of 72 Wisconsin counties · median $1,037
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
- 88th pct · 344th of 3,063 US counties · median 4.3
- 92nd pct · 6th of 72 Wisconsin counties · median 5.4
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
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 $381,640 (Aug 2026), +5.2% over one year, +38.2% over five
- 83rd pct · 503rd of 3,063 US counties · median $234,566
- 88th pct · 9th of 72 Wisconsin counties · median $298,900
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calumet County, WI | $381,640 · +5.2% 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
- Wisconsin counties: not published this period
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
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 $2,089 a month on $381,640 at 7.28%, against an average weekly wage worth $4,485 a month: 46.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $381,640 × 80% = $305,312, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,089/mo principal and interest
- wage share = payment / (avg weekly wage $1,035 × 52 / 12 = $4,485) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $381,640 / ($1,035 × 52) = 7.1
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 #
15,887 jobs at 1,096 employers (2026 Q1); -0.2% jobs and +1.5% average weekly wage over the year
- 66th pct · 1,093rd of 3,221 US counties · median 8,232
- 53rd pct · 34th of 72 Wisconsin counties · median 15,405
- counties in the Appleton metro: Rank context is unavailable: the manifest lists 2 counties in the Appleton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calumet County, WI | 15,887 jobs · $1,035/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,040 | $1,413 | 3.16 | +3.5% |
| Retail trade | 2,195 | $613 | 1.42 | -11.2% |
| Accommodation and food services | 1,551 | $329 | 1.09 | +7.6% |
| Health care and social assistance | 1,220 | $924 | 0.51 | +0.3% |
| Wholesale trade | 984 | $1,323 | 1.62 | +7.4% |
| Construction | 757 | $1,174 | 0.91 | -4.1% |
| Finance and insurance | 422 | $1,684 | 0.65 | +4.5% |
| Administrative and waste services | 310 | $747 | 0.34 | +3.7% |
| Professional and technical services | 274 | $1,397 | 0.25 | +0.0% |
| Arts, entertainment and recreation | 243 | $381 | 0.93 | +0.0% |
| Management of companies | 48 | $3,799 | 0.18 | +0.0% |
| Educational services | 44 | $253 | 0.13 | +25.7% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
108 gauges · 0 flooding · 12 with quality panels averaging 92 % · 64 stale
Sites found: 108, 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.
| Site | Reading | Distance |
|---|---|---|
| SOUTH BRANCH MANITOWOC RIVER AT HAYTON, WI | flow 6.50 ft³/s · STALE | 10 km |
| USGS-441605088115704 | flow 0.00 ft³/s | 21 km |
| USGS-441605088115705 | flow 0.00 ft³/s | 21 km |
| USGS-441546088082001 | flow 0.00 ft³/s · STALE | 21 km |
| Fox River (North) at Menasha-Jefferson Park | no flooding | 22 km |
| USGS-435950087572701 | flow 0.00 ft³/s · STALE | 22 km |
| USGS-441520088045002 | flow 0.00 ft³/s | 22 km |
| USGS-441520088045009 | flow 0.00 ft³/s | 22 km |
| USGS-441520088045001 | flow 0.00 ft³/s | 22 km |
| FOX R. CANAL AT LOCK & DAM No. 2 AT KAUKAUNA, WI | stage 514.8 ft · quality 100 % (5) · STALE | 23 km |
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 #
22 wells in 0 named aquifers:
Sites found: 22, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-441642088163801 | depth 212.9 ft · 2026-07-13 | 23 km |
| USGS-441957087531001 | depth 4.07 ft · 1982-06-21 | 38 km |
| USGS-434512088261402 | depth 0.83 ft · 2020-11-12 | 40 km |
| USGS-434508088260901 | depth 2.61 ft · 2020-11-12 | 40 km |
| USGS-434505088260601 | depth 2.15 ft · 2020-11-12 | 41 km |
| USGS-434510088262101 | depth 0.89 ft · 2020-11-12 | 41 km |
| USGS-434506088261201 | depth 11.6 ft · 2020-09-26 | 41 km |
| USGS-434500088260301 | depth 4.04 ft · 2020-11-12 | 41 km |
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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.08 / 0.55
Banks & federal dollars #
$834.3 m in deposits at 11 offices of 8 banks (SOD June 2026); HHI 2,726, highly concentrated. $271.6 m federal obligations in FY2026 (direct payments $261.2 m, grants $6.9 m), $17,099 per covered job
| Item | Value | Distance |
|---|---|---|
| State Bank of Chilton | $388.7 m · 46.6% share · 4 offices | |
| JPMorgan Chase Bank, National Association | $114.9 m · 13.8% share · 1 office | |
| Nicolet National Bank | $111.0 m · 13.3% share · 1 office | |
| Calumet, WI | $271.6 m FY2026 · $17,099/job | |
| MULTIPLE RECIPIENTS | $257.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| State Bank of Chilton | $388,706,000 | 46.6% | 4 |
| JPMorgan Chase Bank, National Association | $114,934,000 | 13.8% | 1 |
| Nicolet National Bank | $110,976,000 | 13.3% | 1 |
| BMO Bank National Association | $95,949,000 | 11.5% | 1 |
| Great Midwest Bank, S.S.B. | $38,013,000 | 4.6% | 1 |
| National Exchange Bank and Trust | $31,351,000 | 3.8% | 1 |
| Horicon Bank | $28,381,000 | 3.4% | 1 |
| Collins State Bank | $25,957,000 | 3.1% | 1 |
Deposit concentration is 2,726 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 46.6² + 13.8² + 13.3² + … (5 more) = 2,726
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 | $244,307,657 |
| Department of Veterans Affairs | $13,090,977 |
| Department of Transportation | $6,837,870 |
| Department of Defense | $3,205,339 |
| Department of Agriculture | $3,043,072 |
| Department of Housing and Urban Development | $395,411 |
| Railroad Retirement Board | $348,512 |
| Federal Communications Commission | $255,153 |
| Department of Justice | $140,386 |
| Department of Education | $78,052 |
| Department of the Interior | $47,596 |
| Department of Health and Human Services | $34,831 |
That is $17,099 per covered job, against 15,887 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $271.6 m / 15,887 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,099
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 #
Calumet County, WI: 7 findings, 2 at a watch level and 5 noted
watchCalumet County, WI's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCalumet County, WI's typical home value of +5.2% scores 74 on the 0-to-100 scale across US counties but 38 across Wisconsin counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |74 across US counties - 38 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
noteCalumet County, WI's average weekly wage 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
noteCalumet County, WI's typical home value rose 0.4% from $379,982 in July 2026 to $381,640 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (381639.59244334674 - 379982.4799274942) / 379982.4799274942 × 100
- 381639.59244334674 = Zillow ZHVI, 2026-08
- 379982.4799274942 = Zillow ZHVI, 2026-07
noteCalumet County, WI's covered employment was 0.2% 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
- -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
Read all 7 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.