St. Croix County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.03, -92.45.
Assembled 2026-10-06. Read the brief.
- 87th pct · 385th of 3,063 US counties · median $234,566
- 92nd pct · 6th of 72 Wisconsin counties · median $298,900
- 78th pct · 4th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $388,061
- 36th pct · 1,932nd of 3,063 US counties · median +2.9%
- 2nd pct · 70th of 72 Wisconsin counties · median +6.0%
- 35th pct · 10th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median +1.8%
- 69th pct · 422nd of 1,399 US counties · median $1,496
- 94th pct · 3rd of 38 Wisconsin counties · median $1,216
- 61st pct · 6th of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,686
- 80th pct · 640th of 3,221 US counties · median 8,232
- 74th pct · 19th of 72 Wisconsin counties · median 15,405
- 42nd pct · 9th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
- 70th pct · 949th of 3,221 US counties · median $1,039
- 71st pct · 21st of 72 Wisconsin counties · median $1,037
- 35th pct · 10th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,216
- 87th pct · 380th of 3,063 US counties · median 4.3
- 91st pct · 7th of 72 Wisconsin counties · median 5.4
- 92nd pct · 2nd of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 6.4
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 $414,727 (Aug 2026), +1.8% over one year, +17.6% over five
- 87th pct · 385th of 3,063 US counties · median $234,566
- 92nd pct · 6th of 72 Wisconsin counties · median $298,900
- 78th pct · 4th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $388,061
| Item | Value | Distance |
|---|---|---|
| St. Croix County, WI | $414,727 · +1.8% 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 $1,751/mo (Aug 2026), +2.9% over one year; price-to-rent 19.7
- 69th pct · 422nd of 1,399 US counties · median $1,496
- 94th pct · 3rd of 38 Wisconsin counties · median $1,216
- 61st pct · 6th of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,686
| Item | Value | Distance |
|---|---|---|
| St. Croix County, WI | $1,751/mo · +2.9% 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 $2,270 a month on $414,727 at 7.28%, against an average weekly wage worth $4,992 a month: 45.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $414,727 × 80% = $331,782, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,270/mo principal and interest
- wage share = payment / (avg weekly wage $1,152 × 52 / 12 = $4,992) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $414,727 / ($1,152 × 52) = 6.9
- price-to-rent = $414,727 / ($1,751 × 12) = 19.7
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 #
36,627 jobs at 3,019 employers (2026 Q1); +0.2% jobs and +5.8% average weekly wage over the year
- 80th pct · 640th of 3,221 US counties · median 8,232
- 74th pct · 19th of 72 Wisconsin counties · median 15,405
- 42nd pct · 9th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
| Item | Value | Distance |
|---|---|---|
| St. Croix County, WI | 36,627 jobs · $1,152/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 6,747 | $1,376 | 2.29 | +1.6% |
| Health care and social assistance | 5,797 | $1,218 | 1.05 | +5.3% |
| Retail trade | 4,672 | $765 | 1.31 | -6.2% |
| Accommodation and food services | 3,810 | $390 | 1.16 | -2.2% |
| Construction | 2,047 | $1,521 | 1.07 | +6.6% |
| Wholesale trade | 1,798 | $1,765 | 1.28 | -1.2% |
| Professional and technical services | 1,380 | $2,173 | 0.55 | +3.6% |
| Other services | 1,112 | $814 | 1.02 | -1.8% |
| Finance and insurance | 998 | $2,274 | 0.67 | +1.0% |
| Administrative and waste services | 926 | $993 | 0.44 | -4.2% |
| Arts, entertainment and recreation | 589 | $376 | 0.98 | +10.1% |
| Management of companies | 188 | $3,018 | 0.31 | +17.5% |
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 #
D2 severe 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 #
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$2.1 bn in deposits at 21 offices of 13 banks (SOD June 2026); HHI 1,311, moderately concentrated. $575.6 m federal obligations in FY2026 (direct payments $552.2 m, grants $15.7 m), $15,716 per covered job
| Item | Value | Distance |
|---|---|---|
| Associated Bank, National Association | $391.2 m · 18.9% share · 3 offices | |
| Hiawatha National Bank | $375.8 m · 18.1% share · 3 offices | |
| Citizens State Bank | $327.2 m · 15.8% share · 3 offices | |
| St. Croix, WI | $575.6 m FY2026 · $15,716/job | |
| MULTIPLE RECIPIENTS | $540.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Associated Bank, National Association | $391,196,000 | 18.9% | 3 |
| Hiawatha National Bank | $375,754,000 | 18.1% | 3 |
| Citizens State Bank | $327,162,000 | 15.8% | 3 |
| First National Community Bank | $282,695,000 | 13.6% | 3 |
| U.S. Bank National Association | $174,514,000 | 8.4% | 1 |
| Wells Fargo Bank, National Association | $141,187,000 | 6.8% | 1 |
| Pillar Bank | $107,070,000 | 5.2% | 1 |
| Old National Bank | $98,712,000 | 4.8% | 1 |
| Nicolet National Bank | $80,786,000 | 3.9% | 1 |
| Security Financial Bank | $43,016,000 | 2.1% | 1 |
Deposit concentration is 1,311 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 18.9² + 18.1² + 15.8² + … (9 more) = 1,311
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 | $478,425,713 |
| Department of Veterans Affairs | $56,398,403 |
| Department of Transportation | $14,011,429 |
| Department of Agriculture | $9,763,810 |
| Department of the Interior | $6,805,801 |
| Railroad Retirement Board | $6,343,052 |
| Department of Housing and Urban Development | $3,121,877 |
| Federal Communications Commission | $320,263 |
| Department of Defense | $211,351 |
| Department of Energy | $102,275 |
| Department of Homeland Security | $52,505 |
| Department of Education | $49,463 |
That is $15,716 per covered job, against 36,627 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $575.6 m / 36,627 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,716
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 #
St. Croix County, WI: 13 findings, 2 at a watch level and 11 noted
watchSt. Croix County, WI's price-to-rent ratio of 19.7 scores 72 on the 0-to-100 scale across US counties but 27 across Wisconsin counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |72 across US counties - 27 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
watchSt. Croix County, WI's typical home value of +1.8% scores 37 on the 0-to-100 scale across US counties but 3 across Wisconsin counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |37 across US counties - 3 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
noteSt. Croix County, WI's average weekly wage was 5.8% 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
- +5.8 % = 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
noteSt. Croix County, WI's typical asking rent fell 0.4% from $1,759 in July 2026 to $1,751 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1750.9682539682537 - 1758.512084250145) / 1758.512084250145 × 100
- 1750.9682539682537 = Zillow ZORI, 2026-08
- 1758.512084250145 = Zillow ZORI, 2026-07
noteSt. Croix County, WI's typical home value rose 0.3% from $413,570 in July 2026 to $414,727 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (414727.1939635333 - 413570.3669518851) / 413570.3669518851 × 100
- 414727.1939635333 = Zillow ZHVI, 2026-08
- 413570.3669518851 = Zillow ZHVI, 2026-07
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.