Green Lake County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.78, -88.97.
Assembled 2026-10-06. Read the brief.
- 69th pct · 948th of 3,063 US counties · median $234,566
- 47th pct · 38th of 72 Wisconsin counties · median $298,900
- 91st pct · 275th of 3,063 US counties · median +2.9%
- 76th pct · 18th of 72 Wisconsin counties · median +6.0%
- US counties: not published this period
- Wisconsin counties: not published this period
- 40th pct · 1,913th of 3,221 US counties · median 8,232
- 21st pct · 57th of 72 Wisconsin counties · median 15,405
- 37th pct · 2,003rd of 3,221 US counties · median $1,039
- 38th pct · 45th of 72 Wisconsin counties · median $1,037
- 77th pct · 704th of 3,063 US counties · median 4.3
- 66th pct · 25th of 72 Wisconsin counties · median 5.4
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 $298,060 (Aug 2026), +8.0% over one year, +33.8% over five
- 69th pct · 948th of 3,063 US counties · median $234,566
- 47th pct · 38th of 72 Wisconsin counties · median $298,900
| Item | Value | Distance |
|---|---|---|
| Green Lake County, WI | $298,060 · +8.0% 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
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 $1,631 a month on $298,060 at 7.28%, against an average weekly wage worth $4,264 a month: 38.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $298,060 × 80% = $238,448, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,631/mo principal and interest
- wage share = payment / (avg weekly wage $984 × 52 / 12 = $4,264) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $298,060 / ($984 × 52) = 5.8
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 #
5,655 jobs at 549 employers (2026 Q1); +1.4% jobs and +1.8% average weekly wage over the year
- 40th pct · 1,913th of 3,221 US counties · median 8,232
- 21st pct · 57th of 72 Wisconsin counties · median 15,405
| Item | Value | Distance |
|---|---|---|
| Green Lake County, WI | 5,655 jobs · $984/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 917 | $1,179 | 2.02 | -5.8% |
| Retail trade | 795 | $693 | 1.44 | -2.1% |
| Accommodation and food services | 476 | $362 | 0.94 | +10.2% |
| Finance and insurance | 266 | $1,308 | 1.15 | +7.3% |
| Transportation and warehousing | 237 | $1,090 | 0.99 | +2.6% |
| Construction | 219 | $1,073 | 0.74 | +4.8% |
| Other services | 181 | $793 | 1.07 | +14.6% |
| Agriculture, forestry, fishing | 144 | $897 | 3.53 | +2.9% |
| Administrative and waste services | 139 | $910 | 0.43 | +20.9% |
| Arts, entertainment and recreation | 56 | $659 | 0.60 | -20.0% |
| Mining, oil and gas | 42 | $2,338 | 2.09 | +0.0% |
| Information | 32 | $911 | 0.31 | -22.0% |
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 #
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 #
$1.5 bn in deposits at 12 offices of 6 banks (SOD June 2026); HHI 3,535, highly concentrated. $159.5 m federal obligations in FY2026 (direct payments $144.1 m, contracts $13.4 m), $28,200 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers & Merchants Bank | $784.7 m · 53.6% share · 2 offices | |
| Fortifi Bank | $327.4 m · 22.4% share · 3 offices | |
| Horicon Bank | $138.9 m · 9.5% share · 2 offices | |
| Green Lake, WI | $159.5 m FY2026 · $28,200/job | |
| MULTIPLE RECIPIENTS | $140.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers & Merchants Bank | $784,655,000 | 53.6% | 2 |
| Fortifi Bank | $327,433,000 | 22.4% | 3 |
| Horicon Bank | $138,899,000 | 9.5% | 2 |
| U.S. Bank National Association | $82,792,000 | 5.7% | 1 |
| Ergo Bank | $73,550,000 | 5.0% | 1 |
| National Exchange Bank and Trust | $56,776,000 | 3.9% | 3 |
Deposit concentration is 3,535 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 53.6² + 22.4² + 9.5² + … (3 more) = 3,535
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 | $128,180,056 |
| Department of Agriculture | $17,112,692 |
| Department of Veterans Affairs | $11,413,282 |
| Department of Transportation | $1,686,644 |
| Department of Housing and Urban Development | $836,519 |
| Railroad Retirement Board | $494,173 |
| Federal Communications Commission | $218,713 |
| Department of Health and Human Services | $194,835 |
| Department of Education | $67,714 |
| Small Business Administration | $0 |
| Department of Defense | -$734,936 |
That is $28,200 per covered job, against 5,655 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $159.5 m / 5,655 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,200
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 #
Green Lake County, WI: 5 findings, 5 noted
noteGreen Lake County, WI's average weekly wage was 1.8% 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
- +1.8 % = 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
noteGreen Lake County, WI's covered employment was 1.4% 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
- +1.4 % = 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
noteGreen Lake County, WI's typical home value rose 0.3% from $297,133 in July 2026 to $298,060 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (298059.7169075179 - 297133.1214193796) / 297133.1214193796 × 100
- 298059.7169075179 = Zillow ZHVI, 2026-08
- 297133.1214193796 = Zillow ZHVI, 2026-07
noteGreen Lake County, WI's typical home value of +8.0% ranks 275th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Green Lake County, WI 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.