Lyon County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.38, -96.21.
Assembled 2026-10-20. Read the brief.
- 61st pct · 1,166th of 3,063 US counties · median $230,451
- 83rd pct · 17th of 99 Iowa counties · median $192,339
- 98th pct · 51st of 3,062 US counties · median +2.9%
- 97th pct · 3rd of 99 Iowa counties · median +4.2%
- US counties: not published this period
- Iowa counties: not published this period
- 36th pct · 2,034th of 3,221 US counties · median 8,232
- 41st pct · 58th of 99 Iowa counties · median 5,685
- 30th pct · 2,248th of 3,221 US counties · median $1,039
- 6th pct · 93rd of 99 Iowa counties · median $1,057
- 71st pct · 880th of 3,063 US counties · median 4.2
- 92nd pct · 8th of 99 Iowa counties · median 3.5
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 $266,451 (Sep 2026), +12.2% over one year, +46.0% over five
- 61st pct · 1,166th of 3,063 US counties · median $230,451
- 83rd pct · 17th of 99 Iowa counties · median $192,339
| Item | Value | Distance |
|---|---|---|
| Lyon County, IA | $266,451 · +12.2% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Iowa counties: not published this period
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 $1,476 a month on $266,451 at 7.40%, against an average weekly wage worth $4,130 a month: 35.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $266,451 × 80% = $213,161, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,476/mo principal and interest
- wage share = payment / (avg weekly wage $953 × 52 / 12 = $4,130) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $266,451 / ($953 × 52) = 5.4
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 #
4,921 jobs at 547 employers (2026 Q1); +1.5% jobs and +7.3% average weekly wage over the year
- 36th pct · 2,034th of 3,221 US counties · median 8,232
- 41st pct · 58th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Lyon County, IA | 4,921 jobs · $953/wk · +1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 678 | $661 | 1.53 | -5.4% |
| Manufacturing | 676 | $1,054 | 1.71 | +6.0% |
| Retail trade | 398 | $492 | 0.83 | +6.7% |
| Construction | 341 | $1,460 | 1.32 | +20.5% |
| Wholesale trade | 180 | $1,309 | 0.95 | -4.8% |
| Professional and technical services | 180 | $1,754 | 0.53 | +5.3% |
| Finance and insurance | 167 | $1,748 | 0.83 | -8.2% |
| Other services | 137 | $995 | 0.93 | -8.1% |
| Administrative and waste services | 92 | $668 | 0.33 | +0.0% |
| Information | 27 | $882 | 0.30 | +3.8% |
| Arts, entertainment and recreation | 12 | $191 | 0.15 | +0.0% |
| Real estate and rental | 11 | $898 | 0.15 | -8.3% |
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 #
$758.6 m in deposits at 11 offices of 6 banks (SOD June 2026); HHI 2,172, highly concentrated. $77.8 m federal obligations in FY2026 (direct payments $74.7 m, grants $1.9 m), $15,808 per covered job
| Item | Value | Distance |
|---|---|---|
| Frontier Bank | $255.2 m · 33.6% share · 3 offices | |
| Security Savings Bank | $173.0 m · 22.8% share · 3 offices | |
| Premier Bank | $120.4 m · 15.9% share · 2 offices | |
| Lyon, IA | $77.8 m FY2026 · $15,808/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Frontier Bank | $255,191,000 | 33.6% | 3 |
| Security Savings Bank | $173,022,000 | 22.8% | 3 |
| Premier Bank | $120,432,000 | 15.9% | 2 |
| U.S. Bank National Association | $90,777,000 | 12.0% | 1 |
| Peoples Bank | $66,564,000 | 8.8% | 1 |
| American State Bank | $52,655,000 | 6.9% | 1 |
Deposit concentration is 2,172 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 33.6² + 22.8² + 15.9² + … (3 more) = 2,172
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 $15,808 per covered job, against 4,921 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $77.8 m / 4,921 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,808
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 · % | 72.20 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 7.00 | 2026-10-13 | +133.3% |
| 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 | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Lyon County, IA: 10 findings, 10 noted
noteLyon County, IA's average weekly wage was 7.3% 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
- +7.3 % = 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
noteLyon County, IA's covered employment was 1.5% 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
- +1.5 % = 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
noteLyon County, IA's typical home value of +12.2% ranks 51st of 3,062 US counties, against a median of +2.9%.
Period 2026-09.Show the arithmetic
- 98 on the 0-to-100 scale across 3062 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteLyon County, IA's momentum index of 0.82 ranks 65th of 3,221 US counties, against a median of 0.23.
Period 2026-09.Show the arithmetic
- 98 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteLyon County, IA's typical home value of +12.2% ranks 3rd of 99 Iowa counties, against a median of +4.2%.
Period 2026-09.Show the arithmetic
- 98 on the 0-to-100 scale across 99 Iowa counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 10 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.