Pocahontas County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.73, -94.68.
Assembled 2026-10-19. Read the brief.
- 3rd pct · 2,970th of 3,063 US counties · median $230,451
- 0th pct · 99th of 99 Iowa counties · median $192,339
- 1st pct · 3,007th of 3,062 US counties · median +2.9%
- 0th pct · 99th of 99 Iowa counties · median +4.2%
- US counties: not published this period
- Iowa counties: not published this period
- 20th pct · 2,577th of 3,221 US counties · median 8,232
- 11th pct · 88th of 99 Iowa counties · median 5,685
- 67th pct · 1,039th of 3,221 US counties · median $1,039
- 72nd pct · 28th of 99 Iowa counties · median $1,057
- 1st pct · 3,006th of 3,063 US counties · median 4.2
- 0th pct · 99th 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 $99,888 (Sep 2026), -8.4% over one year, +2.4% over five
- 3rd pct · 2,970th of 3,063 US counties · median $230,451
- 0th pct · 99th of 99 Iowa counties · median $192,339
| Item | Value | Distance |
|---|---|---|
| Pocahontas County, IA | $99,888 · -8.4% 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 #
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 $553 a month on $99,888 at 7.40%, against an average weekly wage worth $4,901 a month: 11.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $99,888 × 80% = $79,910, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $553/mo principal and interest
- wage share = payment / (avg weekly wage $1,131 × 52 / 12 = $4,901) = 11% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $99,888 / ($1,131 × 52) = 1.7
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 #
2,444 jobs at 245 employers (2026 Q1); -3.4% jobs and +5.6% average weekly wage over the year
- 20th pct · 2,577th of 3,221 US counties · median 8,232
- 11th pct · 88th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Pocahontas County, IA | 2,444 jobs · $1,131/wk · -3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 377 | $1,215 | 1.92 | -6.9% |
| Wholesale trade | 234 | $1,420 | 2.50 | -4.5% |
| Retail trade | 220 | $928 | 0.92 | +0.0% |
| Accommodation and food services | 87 | $242 | 0.40 | +20.8% |
| Professional and technical services | 34 | $1,169 | 0.20 | -10.5% |
| Arts, entertainment and recreation | 10 | $92 | 0.25 | -41.2% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld |
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 #
$349.2 m in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,185, highly concentrated. $55.3 m federal obligations in FY2026 (direct payments $52.4 m, grants $2.9 m), $22,609 per covered job
| Item | Value | Distance |
|---|---|---|
| Availa Bank | $104.4 m · 29.9% share · 2 offices | |
| Pocahontas State Bank | $83.1 m · 23.8% share · 2 offices | |
| United Bank of Iowa | $75.4 m · 21.6% share · 2 offices | |
| Pocahontas, IA | $55.3 m FY2026 · $22,609/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Availa Bank | $104,404,000 | 29.9% | 2 |
| Pocahontas State Bank | $83,053,000 | 23.8% | 2 |
| United Bank of Iowa | $75,387,000 | 21.6% | 2 |
| Community State Bank | $49,962,000 | 14.3% | 1 |
| West Iowa Bank | $20,162,000 | 5.8% | 1 |
| First Community Bank | $16,259,000 | 4.7% | 1 |
Deposit concentration is 2,185 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 = 29.9² + 23.8² + 21.6² + … (3 more) = 2,185
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 | $41,145,494 |
| Department of Agriculture | $7,984,629 |
| Department of Veterans Affairs | $2,886,554 |
| Department of Transportation | $2,882,460 |
| Railroad Retirement Board | $251,699 |
| Federal Communications Commission | $105,699 |
| Department of the Interior | $0 |
That is $22,609 per covered job, against 2,444 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $55.3 m / 2,444 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,609
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 | 2026-10-19 | +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 | 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 | 1,275.00 | 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 | 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 #
Pocahontas County, IA: 20 findings, 2 at an alert level, 4 at a watch level and 14 noted
alertPocahontas County, IA's typical home value is -8.4% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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 2026-09.Show the arithmetic
- test: home.yoyPct = -8.43369021091767 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
alertPocahontas County, IA's covered employment is -3.4% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchPocahontas County, IA's typical home value is -8.4% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: home.yoyPct = -8.43369021091767 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchPocahontas County, IA's covered employment is -3.4% 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 = -3.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPocahontas County, IA's typical home value is -1.3% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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 2026-09.Show the arithmetic
- test: home.momPct = -1.3455341747190341 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, 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.