Manitowoc County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.16, -87.58.
Assembled 2026-10-06. Read the brief.
- 60th pct · 1,201st of 3,063 US counties · median $234,566
- 29th pct · 51st of 72 Wisconsin counties · median $298,900
- 73rd pct · 814th of 3,063 US counties · median +2.9%
- 32nd pct · 49th of 72 Wisconsin counties · median +6.0%
- 19th pct · 1,120th of 1,399 US counties · median $1,496
- 32nd pct · 26th of 38 Wisconsin counties · median $1,216
- 78th pct · 695th of 3,221 US counties · median 8,232
- 69th pct · 23rd of 72 Wisconsin counties · median 15,405
- 64th pct · 1,130th of 3,221 US counties · median $1,039
- 70th pct · 22nd of 72 Wisconsin counties · median $1,037
- 56th pct · 1,328th of 3,063 US counties · median 4.3
- 16th pct · 60th 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 $266,245 (Aug 2026), +5.1% over one year, +43.9% over five
- 60th pct · 1,201st of 3,063 US counties · median $234,566
- 29th pct · 51st of 72 Wisconsin counties · median $298,900
| Item | Value | Distance |
|---|---|---|
| Manitowoc County, WI | $266,245 · +5.1% 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 #
Typical rent $1,173/mo (Aug 2026), +0.4% over one year; price-to-rent 18.9
- 19th pct · 1,120th of 1,399 US counties · median $1,496
- 32nd pct · 26th of 38 Wisconsin counties · median $1,216
| Item | Value | Distance |
|---|---|---|
| Manitowoc County, WI | $1,173/mo · +0.4% 1-yr |
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 $1,457 a month on $266,245 at 7.28%, against an average weekly wage worth $4,827 a month: 30.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $266,245 × 80% = $212,996, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,457/mo principal and interest
- wage share = payment / (avg weekly wage $1,114 × 52 / 12 = $4,827) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $266,245 / ($1,114 × 52) = 4.6
- price-to-rent = $266,245 / ($1,173 × 12) = 18.9
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 #
32,436 jobs at 2,024 employers (2026 Q1); -1.4% jobs and +4.1% average weekly wage over the year
- 78th pct · 695th of 3,221 US counties · median 8,232
- 69th pct · 23rd of 72 Wisconsin counties · median 15,405
| Item | Value | Distance |
|---|---|---|
| Manitowoc County, WI | 32,436 jobs · $1,114/wk · -1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,119 | $1,276 | 3.49 | -2.1% |
| Health care and social assistance | 4,666 | $1,068 | 0.96 | +4.2% |
| Retail trade | 3,335 | $641 | 1.06 | -2.6% |
| Accommodation and food services | 2,267 | $345 | 0.78 | -0.9% |
| Construction | 1,289 | $1,204 | 0.76 | +3.0% |
| Transportation and warehousing | 1,280 | $950 | 0.94 | -2.5% |
| Administrative and waste services | 914 | $737 | 0.50 | -20.9% |
| Finance and insurance | 801 | $2,294 | 0.61 | +6.8% |
| Other services | 717 | $592 | 0.74 | -2.7% |
| Professional and technical services | 633 | $1,505 | 0.28 | -0.8% |
| Management of companies | 585 | $3,151 | 1.08 | +0.3% |
| Arts, entertainment and recreation | 279 | $570 | 0.52 | -5.4% |
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 #
$2.2 bn in deposits at 16 offices of 8 banks (SOD June 2026); HHI 3,122, highly concentrated. $570.8 m federal obligations in FY2026 (direct payments $565.1 m, grants $4.1 m), $17,599 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank First, N.A. | $1.1 bn · 51.3% share · 7 offices | |
| Nicolet National Bank | $308.9 m · 14.4% share · 1 office | |
| Associated Bank, National Association | $296.9 m · 13.8% share · 2 offices | |
| Manitowoc, WI | $570.8 m FY2026 · $17,599/job | |
| MULTIPLE RECIPIENTS | $556.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank First, N.A. | $1,102,541,000 | 51.3% | 7 |
| Nicolet National Bank | $308,902,000 | 14.4% | 1 |
| Associated Bank, National Association | $296,850,000 | 13.8% | 2 |
| U.S. Bank National Association | $123,858,000 | 5.8% | 1 |
| Cleveland State Bank | $113,249,000 | 5.3% | 1 |
| Collins State Bank | $110,879,000 | 5.2% | 2 |
| Wells Fargo Bank, National Association | $54,550,000 | 2.5% | 1 |
| BMO Bank National Association | $39,783,000 | 1.8% | 1 |
Deposit concentration is 3,122 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 = 51.3² + 14.4² + 13.8² + … (5 more) = 3,122
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 | $513,710,522 |
| Department of Veterans Affairs | $41,110,860 |
| Department of Agriculture | $3,896,157 |
| Department of Education | $3,835,388 |
| Department of Housing and Urban Development | $2,443,592 |
| Railroad Retirement Board | $1,622,563 |
| Department of Transportation | $1,575,335 |
| Department of Health and Human Services | $1,206,241 |
| Department of the Interior | $1,032,276 |
| Institute of Museum and Library Services | $267,327 |
| Federal Communications Commission | $107,088 |
| Department of Defense | $34,917 |
That is $17,599 per covered job, against 32,436 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $570.8 m / 32,436 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,599
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 #
Manitowoc County, WI: 11 findings, 5 at a watch level and 6 noted
watchManitowoc County, WI's covered employment is -1.4% 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 = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchManitowoc County, WI's price-to-rent ratio of 18.9 scores 66 on the 0-to-100 scale across US counties but 19 across Wisconsin counties, a gap of 47 points.
Period 2026-08.Show the arithmetic
- 47 = |66 across US counties - 19 across Wisconsin counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchManitowoc County, WI's typical home value of +5.1% scores 73 on the 0-to-100 scale across US counties but 32 across Wisconsin counties, a gap of 41 points.
Period 2026-08.Show the arithmetic
- 41 = |73 across US counties - 32 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
watchManitowoc County, WI's years of wages of 4.6 scores 57 on the 0-to-100 scale across US counties but 17 across Wisconsin counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |57 across US counties - 17 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
watchManitowoc County, WI's typical home value of $266,245 scores 61 on the 0-to-100 scale across US counties but 30 across Wisconsin counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |61 across US counties - 30 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
Read all 11 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.