Walworth County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.67, -88.54.
Assembled 2026-10-06. Read the brief.
- 87th pct · 393rd of 3,063 US counties · median $234,566
- 90th pct · 8th of 72 Wisconsin counties · median $298,900
- 66th pct · 1,028th of 3,063 US counties · median +2.9%
- 18th pct · 59th of 72 Wisconsin counties · median +6.0%
- 54th pct · 637th of 1,399 US counties · median $1,496
- 86th pct · 6th of 38 Wisconsin counties · median $1,216
- 82nd pct · 564th of 3,221 US counties · median 8,232
- 80th pct · 15th of 72 Wisconsin counties · median 15,405
- 53rd pct · 1,484th of 3,221 US counties · median $1,039
- 61st pct · 28th of 72 Wisconsin counties · median $1,037
- 91st pct · 272nd of 3,063 US counties · median 4.3
- 94th pct · 5th 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 $411,444 (Aug 2026), +4.4% over one year, +26.1% over five
- 87th pct · 393rd of 3,063 US counties · median $234,566
- 90th pct · 8th of 72 Wisconsin counties · median $298,900
| Item | Value | Distance |
|---|---|---|
| Walworth County, WI | $411,444 · +4.4% 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 $1,546/mo (Aug 2026), +9.8% over one year; price-to-rent 22.2
- 54th pct · 637th of 1,399 US counties · median $1,496
- 86th pct · 6th of 38 Wisconsin counties · median $1,216
| Item | Value | Distance |
|---|---|---|
| Walworth County, WI | $1,546/mo · +9.8% 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 $2,252 a month on $411,444 at 7.28%, against an average weekly wage worth $4,580 a month: 49.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $411,444 × 80% = $329,156, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,252/mo principal and interest
- wage share = payment / (avg weekly wage $1,057 × 52 / 12 = $4,580) = 49% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $411,444 / ($1,057 × 52) = 7.5
- price-to-rent = $411,444 / ($1,546 × 12) = 22.2
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 #
44,465 jobs at 3,541 employers (2026 Q1); +0.9% jobs and +3.0% average weekly wage over the year
- 82nd pct · 564th of 3,221 US counties · median 8,232
- 80th pct · 15th of 72 Wisconsin counties · median 15,405
| Item | Value | Distance |
|---|---|---|
| Walworth County, WI | 44,465 jobs · $1,057/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,208 | $1,356 | 2.57 | -2.2% |
| Accommodation and food services | 5,860 | $515 | 1.47 | +1.3% |
| Health care and social assistance | 4,969 | $1,067 | 0.74 | +4.3% |
| Retail trade | 4,915 | $661 | 1.13 | -2.7% |
| Administrative and waste services | 2,232 | $758 | 0.88 | +12.0% |
| Construction | 2,027 | $1,495 | 0.87 | +3.7% |
| Wholesale trade | 1,778 | $1,537 | 1.04 | -2.8% |
| Arts, entertainment and recreation | 1,169 | $759 | 1.60 | +15.1% |
| Professional and technical services | 1,124 | $1,543 | 0.37 | -0.6% |
| Other services | 981 | $726 | 0.74 | -3.0% |
| Finance and insurance | 748 | $1,611 | 0.41 | +1.1% |
| Management of companies | 675 | $1,907 | 0.91 | +38.9% |
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 #
$2.5 bn in deposits at 31 offices of 15 banks (SOD June 2026); HHI 1,109, moderately concentrated. $766.7 m federal obligations in FY2026 (direct payments $691.4 m, grants $73.9 m), $17,242 per covered job
| Item | Value | Distance |
|---|---|---|
| Town Bank, National Association | $453.6 m · 18.1% share · 4 offices | |
| Bank First, N.A. | $323.0 m · 12.9% share · 3 offices | |
| First Citizens State Bank | $317.7 m · 12.7% share · 5 offices | |
| Walworth, WI | $766.7 m FY2026 · $17,242/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Town Bank, National Association | $453,595,000 | 18.1% | 4 |
| Bank First, N.A. | $322,957,000 | 12.9% | 3 |
| First Citizens State Bank | $317,734,000 | 12.7% | 5 |
| Associated Bank, National Association | $301,858,000 | 12.0% | 3 |
| U.S. Bank National Association | $249,314,000 | 9.9% | 3 |
| JPMorgan Chase Bank, National Association | $244,151,000 | 9.7% | 2 |
| BMO Bank National Association | $219,893,000 | 8.8% | 2 |
| Citizens Bank | $100,663,000 | 4.0% | 2 |
| Old National Bank | $69,021,000 | 2.7% | 1 |
| PremierBank | $68,815,000 | 2.7% | 1 |
Deposit concentration is 1,109 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 18.1² + 12.9² + 12.7² + … (12 more) = 1,109
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 #
That is $17,242 per covered job, against 44,465 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $766.7 m / 44,465 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,242
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 #
Walworth County, WI: 12 findings, 5 at a watch level and 7 noted
watchWalworth County, WI's typical asking rent is +9.8% 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 = 9.796844437900564 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchWalworth County, WI's years of wages of 7.5 ranks 272nd of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 91.14957544088831 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchWalworth County, WI's typical home value of +4.4% scores 66 on the 0-to-100 scale across US counties but 18 across Wisconsin counties, a gap of 48 points.
Period 2026-08.Show the arithmetic
- 48 = |66 across US counties - 18 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
watchWalworth County, WI's price-to-rent ratio of 22.2 scores 84 on the 0-to-100 scale across US counties but 46 across Wisconsin counties, a gap of 38 points.
Period 2026-08.Show the arithmetic
- 38 = |84 across US counties - 46 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
watchWalworth County, WI's typical asking rent of $1,546 scores 55 on the 0-to-100 scale across US counties but 86 across Wisconsin counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |55 across US counties - 86 across Wisconsin counties|
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.