Monroe County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.95, -90.62.
Assembled 2026-10-07. Read the brief.
- 59th pct · 1,229th of 3,063 US counties · median $234,566
- 26th pct · 53rd of 72 Wisconsin counties · median $298,900
- 68th pct · 979th of 3,063 US counties · median +2.9%
- 21st pct · 57th of 72 Wisconsin counties · median +6.0%
- 23rd pct · 1,065th of 1,399 US counties · median $1,496
- 51st pct · 19th of 38 Wisconsin counties · median $1,216
- 72nd pct · 895th of 3,221 US counties · median 8,232
- 64th pct · 26th of 72 Wisconsin counties · median 15,405
- 60th pct · 1,272nd of 3,221 US counties · median $1,039
- 64th pct · 26th of 72 Wisconsin counties · median $1,037
- 57th pct · 1,299th of 3,063 US counties · median 4.3
- 21st pct · 57th 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 $263,380 (Aug 2026), +4.6% over one year, +29.9% over five
- 59th pct · 1,229th of 3,063 US counties · median $234,566
- 26th pct · 53rd of 72 Wisconsin counties · median $298,900
| Item | Value | Distance |
|---|---|---|
| Monroe County, WI | $263,380 · +4.6% 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 $1,220/mo (Aug 2026), +9.5% over one year; price-to-rent 18.0
- 23rd pct · 1,065th of 1,399 US counties · median $1,496
- 51st pct · 19th of 38 Wisconsin counties · median $1,216
| Item | Value | Distance |
|---|---|---|
| Monroe County, WI | $1,220/mo · +9.5% 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 $1,442 a month on $263,380 at 7.28%, against an average weekly wage worth $4,723 a month: 30.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $263,380 × 80% = $210,704, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,442/mo principal and interest
- wage share = payment / (avg weekly wage $1,090 × 52 / 12 = $4,723) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $263,380 / ($1,090 × 52) = 4.6
- price-to-rent = $263,380 / ($1,220 × 12) = 18.0
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 #
20,798 jobs at 1,365 employers (2026 Q1); -0.2% jobs and +3.0% average weekly wage over the year
- 72nd pct · 895th of 3,221 US counties · median 8,232
- 64th pct · 26th of 72 Wisconsin counties · median 15,405
| Item | Value | Distance |
|---|---|---|
| Monroe County, WI | 20,798 jobs · $1,090/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,931 | $1,183 | 2.35 | -0.6% |
| Transportation and warehousing | 2,356 | $1,283 | 2.69 | +11.7% |
| Retail trade | 2,052 | $598 | 1.01 | -0.6% |
| Accommodation and food services | 1,545 | $359 | 0.83 | +0.6% |
| Construction | 709 | $1,288 | 0.65 | +4.3% |
| Wholesale trade | 496 | $1,289 | 0.62 | +1.8% |
| Mining, oil and gas | 416 | $1,848 | 5.62 | +5.3% |
| Agriculture, forestry, fishing | 408 | $926 | 2.72 | +2.5% |
| Other services | 395 | $733 | 0.64 | +4.8% |
| Professional and technical services | 335 | $1,211 | 0.23 | -11.8% |
| Finance and insurance | 317 | $1,516 | 0.37 | +2.6% |
| Real estate and rental | 60 | $668 | 0.19 | +3.4% |
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 #
$951.8 m in deposits at 13 offices of 8 banks (SOD June 2026); HHI 1,829, highly concentrated. $441.7 m federal obligations in FY2026 (direct payments $311.8 m, contracts $101.1 m), $21,240 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank First, N.A. | $225.8 m · 23.7% share · 1 office | |
| River Bank | $216.1 m · 22.7% share · 3 offices | |
| CCFBank National Association | $202.9 m · 21.3% share · 2 offices | |
| Monroe, WI | $441.7 m FY2026 · $21,240/job | |
| MULTIPLE RECIPIENTS | $290.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank First, N.A. | $225,832,000 | 23.7% | 1 |
| River Bank | $216,113,000 | 22.7% | 3 |
| CCFBank National Association | $202,889,000 | 21.3% | 2 |
| Bank of Cashton | $127,019,000 | 13.3% | 1 |
| Ergo Bank | $70,025,000 | 7.4% | 3 |
| State Bank Financial | $62,601,000 | 6.6% | 1 |
| Citizens First Bank | $42,858,000 | 4.5% | 1 |
| Park Bank, National Association | $4,502,000 | 0.5% | 1 |
Deposit concentration is 1,829 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 = 23.7² + 22.7² + 21.3² + … (5 more) = 1,829
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 | $217,604,626 |
| Department of Defense | $86,687,271 |
| Department of Veterans Affairs | $82,890,590 |
| Department of the Interior | $17,113,035 |
| Department of Housing and Urban Development | $14,568,089 |
| Department of Transportation | $7,476,053 |
| Department of Agriculture | $6,299,078 |
| Railroad Retirement Board | $3,331,693 |
| General Services Administration | $2,882,658 |
| Department of Health and Human Services | $2,153,848 |
| Department of State | $328,003 |
| Department of Education | $305,964 |
That is $21,240 per covered job, against 20,798 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $441.7 m / 20,798 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,240
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Monroe County, WI: 13 findings, 6 at a watch level and 7 noted
watchMonroe County, WI's typical asking rent is +9.5% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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: rent.yoyPct = 9.485081073814557 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchMonroe 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
watchMonroe County, WI's typical home value of +4.6% scores 68 on the 0-to-100 scale across US counties but 21 across Wisconsin counties, a gap of 47 points.
Period 2026-08.Show the arithmetic
- 47 = |68 across US counties - 21 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
watchMonroe County, WI's price-to-rent ratio of 18.0 scores 58 on the 0-to-100 scale across US counties but 14 across Wisconsin counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |58 across US counties - 14 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
watchMonroe County, WI's years of wages of 4.6 scores 58 on the 0-to-100 scale across US counties but 21 across Wisconsin counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |58 across US counties - 21 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.