Oneida County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.72, -89.53.
Assembled 2026-10-07. Read the brief.
- 74th pct · 791st of 3,063 US counties · median $234,566
- 61st pct · 28th of 72 Wisconsin counties · median $298,900
- 84th pct · 487th of 3,063 US counties · median +2.9%
- 66th pct · 25th of 72 Wisconsin counties · median +6.0%
- 23rd pct · 1,070th of 1,399 US counties · median $1,496
- 48th pct · 20th of 38 Wisconsin counties · median $1,216
- 66th pct · 1,067th of 3,221 US counties · median 8,232
- 54th pct · 33rd of 72 Wisconsin counties · median 15,405
- 50th pct · 1,587th of 3,221 US counties · median $1,039
- 52nd pct · 35th of 72 Wisconsin counties · median $1,037
- 78th pct · 666th of 3,063 US counties · median 4.3
- 69th pct · 23rd 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 $321,665 (Aug 2026), +6.6% over one year, +22.4% over five
- 74th pct · 791st of 3,063 US counties · median $234,566
- 61st pct · 28th of 72 Wisconsin counties · median $298,900
| Item | Value | Distance |
|---|---|---|
| Oneida County, WI | $321,665 · +6.6% 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 $1,213/mo (Aug 2026), n/a over one year; price-to-rent 22.1
- 23rd pct · 1,070th of 1,399 US counties · median $1,496
- 48th pct · 20th of 38 Wisconsin counties · median $1,216
| Item | Value | Distance |
|---|---|---|
| Oneida County, WI | $1,213/mo · n/a 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 $1,761 a month on $321,665 at 7.28%, against an average weekly wage worth $4,511 a month: 39.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $321,665 × 80% = $257,332, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,761/mo principal and interest
- wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $321,665 / ($1,041 × 52) = 5.9
- price-to-rent = $321,665 / ($1,213 × 12) = 22.1
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 #
16,352 jobs at 1,529 employers (2026 Q1); 0.0% jobs and +3.6% average weekly wage over the year
- 66th pct · 1,067th of 3,221 US counties · median 8,232
- 54th pct · 33rd of 72 Wisconsin counties · median 15,405
| Item | Value | Distance |
|---|---|---|
| Oneida County, WI | 16,352 jobs · $1,041/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,367 | $1,343 | 1.37 | -2.7% |
| Retail trade | 2,933 | $694 | 1.84 | -1.1% |
| Accommodation and food services | 1,824 | $436 | 1.24 | +3.6% |
| Manufacturing | 1,563 | $1,354 | 1.19 | -1.1% |
| Construction | 951 | $1,199 | 1.11 | +8.4% |
| Other services | 627 | $747 | 1.28 | +7.5% |
| Transportation and warehousing | 479 | $1,020 | 0.70 | -2.4% |
| Administrative and waste services | 390 | $703 | 0.42 | -3.7% |
| Finance and insurance | 327 | $2,135 | 0.49 | -4.4% |
| Professional and technical services | 326 | $1,413 | 0.29 | +7.6% |
| Information | 226 | $1,136 | 0.75 | +2.7% |
| Arts, entertainment and recreation | 142 | $621 | 0.53 | +4.4% |
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 #
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 #
39 gauges · 0 flooding · 3 with quality panels averaging 100 % · 21 stale
Sites found: 39, 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 |
|---|---|---|
| Wisconsin River above Rhinelander | no flooding | 12 km |
| WISCONSIN RIVER @ RAINBOW LAKE NR LAKE TOMAHAWK,WI | flow 330.0 ft³/s · no flooding | 13 km |
| TOMAHAWK RIVER AT THOROUGHFARE ROAD NR MINOCQUA,WI | flow -64.0 ft³/s · STALE | 19 km |
| LINK CR(MINOCQUA THOROUGHFARE)@ STH 47 NR WOODRUFF | flow 6.30 ft³/s · STALE | 20 km |
| Tomahawk River at Willow Reservoir | no flooding | 24 km |
| TOMAHAWK RIVER @ STATE HIGHWAY 70 NEAR MINOCQUA,WI | flow 17.0 ft³/s · STALE | 25 km |
| Tomahawk River above Rice Reservoir | no flooding | 26 km |
| Wisconsin River above Otter Rapids Dam | no flooding | 27 km |
| Wisconsin River at Alice Lake Reservoir | no flooding | 28 km |
| MUSKELLUNGE CR-MUSKELLUNGE L OTL-NR EAGLE RIVER,WI | flow 2.40 ft³/s · STALE | 28 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 #
17 wells in 0 named aquifers:
Sites found: 17, 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-460150089362401 | depth -1.00 ft · 2021-11-03 | 35 km |
| USGS-455448089545001 | depth 3.22 ft · 2018-02-06 | 37 km |
| USGS-455448089545003 | depth 3.51 ft · 2018-02-06 | 37 km |
| USGS-455448089545002 | depth 3.04 ft · 2018-02-06 | 37 km |
| USGS-452610089134101 | depth 99.1 ft · 2026-07-23 | 39 km |
| USGS-455701089030901 | depth 5.64 ft · 2014-10-14 | 46 km |
| USGS-455646089012601 | depth 4.61 ft · 2017-05-10 | 47 km |
| USGS-455620088593901 | depth 76.0 ft · 2026-07-23 | 49 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 #
moderate (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.2 bn in deposits at 12 offices of 7 banks (SOD June 2026); HHI 1,777, moderately concentrated. $360.3 m federal obligations in FY2026 (direct payments $349.3 m, grants $8.2 m), $22,031 per covered job
| Item | Value | Distance |
|---|---|---|
| Associated Bank, National Association | $292.5 m · 25.0% share · 2 offices | |
| BMO Bank National Association | $215.9 m · 18.5% share · 3 offices | |
| Peoples State Bank | $191.7 m · 16.4% share · 2 offices | |
| Oneida, WI | $360.3 m FY2026 · $22,031/job | |
| MULTIPLE RECIPIENTS | $341.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Associated Bank, National Association | $292,467,000 | 25.0% | 2 |
| BMO Bank National Association | $215,929,000 | 18.5% | 3 |
| Peoples State Bank | $191,702,000 | 16.4% | 2 |
| IncredibleBank | $191,135,000 | 16.3% | 1 |
| Nicolet National Bank | $162,939,000 | 13.9% | 2 |
| U.S. Bank National Association | $106,180,000 | 9.1% | 1 |
| Forward Bank | $9,805,000 | 0.8% | 1 |
Deposit concentration is 1,777 across 7 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 25.0² + 18.5² + 16.4² + … (4 more) = 1,777
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 | $308,289,551 |
| Department of Veterans Affairs | $32,402,710 |
| Department of Transportation | $8,019,579 |
| Department of Health and Human Services | $3,757,245 |
| Department of Agriculture | $1,852,336 |
| Department of Housing and Urban Development | $1,623,119 |
| Railroad Retirement Board | $1,338,305 |
| Department of Education | $1,324,535 |
| Department of Defense | $758,459 |
| Department of Justice | $500,000 |
| Federal Communications Commission | $264,929 |
| Corporation for National and Community Service | $127,497 |
That is $22,031 per covered job, against 16,352 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $360.3 m / 16,352 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,031
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 #
Oneida County, WI: 7 findings, 1 at a watch level and 6 noted
watchOneida County, WI's price-to-rent ratio of 22.1 scores 83 on the 0-to-100 scale across US counties but 43 across Wisconsin counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |83 across US counties - 43 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
noteOneida County, WI's average weekly wage was 3.6% 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
- +3.6 % = 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
noteOneida County, WI's typical asking rent rose 0.5% from $1,207 in July 2026 to $1,213 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.5% = (1212.5 - 1206.621041787559) / 1206.621041787559 × 100
- 1212.5 = Zillow ZORI, 2026-08
- 1206.621041787559 = Zillow ZORI, 2026-07
noteOneida County, WI's typical home value rose 0.3% from $320,696 in July 2026 to $321,665 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (321665.30657849537 - 320696.44062473456) / 320696.44062473456 × 100
- 321665.30657849537 = Zillow ZHVI, 2026-08
- 320696.44062473456 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Oneida 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
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.