Woodbury County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.39, -96.05.
Assembled 2026-10-19. Read the brief.
- 41st pct · 1,804th of 3,063 US counties · median $230,451
- 60th pct · 40th of 99 Iowa counties · median $192,339
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
- 49th pct · 1,537th of 3,062 US counties · median +2.9%
- 30th pct · 69th of 99 Iowa counties · median +4.2%
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
- 25th pct · 1,011th of 1,358 US counties · median $1,506
- 76th pct · 6th of 22 Iowa counties · median $1,052
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
- 84th pct · 501st of 3,221 US counties · median 8,232
- 92nd pct · 8th of 99 Iowa counties · median 5,685
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
- 63rd pct · 1,165th of 3,221 US counties · median $1,039
- 70th pct · 30th of 99 Iowa counties · median $1,057
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
- 35th pct · 1,969th of 3,063 US counties · median 4.2
- 58th pct · 42nd of 99 Iowa counties · median 3.5
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
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 $207,499 (Sep 2026), +2.8% over one year, +25.0% over five
- 41st pct · 1,804th of 3,063 US counties · median $230,451
- 60th pct · 40th of 99 Iowa counties · median $192,339
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Woodbury County, IA | $207,499 · +2.8% 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 $1,252/mo (Sep 2026), +5.1% over one year; price-to-rent 13.8
- 25th pct · 1,011th of 1,358 US counties · median $1,506
- 76th pct · 6th of 22 Iowa counties · median $1,052
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Woodbury County, IA | $1,252/mo · +5.1% 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 $1,149 a month on $207,499 at 7.40%, against an average weekly wage worth $4,801 a month: 23.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $207,499 × 80% = $165,999, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,149/mo principal and interest
- wage share = payment / (avg weekly wage $1,108 × 52 / 12 = $4,801) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $207,499 / ($1,108 × 52) = 3.6
- price-to-rent = $207,499 / ($1,252 × 12) = 13.8
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 #
50,496 jobs at 3,194 employers (2026 Q1); -0.5% jobs and +2.2% average weekly wage over the year
- 84th pct · 501st of 3,221 US counties · median 8,232
- 92nd pct · 8th of 99 Iowa counties · median 5,685
- counties in the Sioux City metro: Rank context is unavailable: the manifest lists 3 counties in the Sioux City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Woodbury County, IA | 50,496 jobs · $1,108/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,051 | $1,193 | 1.06 | -2.2% |
| Manufacturing | 8,010 | $1,360 | 1.97 | +6.0% |
| Retail trade | 6,726 | $680 | 1.37 | -0.9% |
| Accommodation and food services | 5,172 | $425 | 1.14 | -3.3% |
| Construction | 2,839 | $1,464 | 1.07 | -2.0% |
| Wholesale trade | 2,161 | $1,710 | 1.12 | -3.0% |
| Administrative and waste services | 1,988 | $790 | 0.69 | -6.2% |
| Other services | 1,346 | $879 | 0.89 | -4.7% |
| Finance and insurance | 1,310 | $1,927 | 0.64 | -3.0% |
| Educational services | 1,264 | $799 | 1.16 | +17.9% |
| Professional and technical services | 1,057 | $1,429 | 0.30 | -3.5% |
| Information | 481 | $1,414 | 0.52 | -3.8% |
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 #
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 #
28 gauges · 0 flooding · 1 with quality panels averaging 80 % · 5 stale
Sites found: 28, 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 |
|---|---|---|
| Elliott Creek at Lawton, IA | stage 72.3 ft | 14 km |
| West Fork Ditch at Hornick, IA | flow 79.3 ft³/s · STALE | 19 km |
| Little Sioux River at Correctionville, IA | flow 843.0 ft³/s | 24 km |
| Floyd River at James, IA | flow 269.0 ft³/s | 29 km |
| Missouri River at Sioux City, IA | flow 26,800 ft³/s | 31 km |
| Maple River at Mapleton, IA | flow 320.0 ft³/s | 33 km |
| Perry Creek at 38th Street at Sioux City, IA | flow 24.1 ft³/s | 33 km |
| Perry Creek near Hinton, IA | flow 72.0 ft³/s | 36 km |
| Omaha Creek at Homer, Nebr. | flow 23.6 ft³/s | 37 km |
| BIG SIOUX RIVER AT SIOUX CITY, IA | stage 10.0 ft | 38 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 #
19 wells in 0 named aquifers:
Sites found: 19, 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-420337096042301 | depth 8.67 ft · 1996-09-29 | 37 km |
| USGS-420334096025701 | depth 9.42 ft · 1996-09-29 | 37 km |
| USGS-420315096070801 | depth 5.35 ft · 1996-09-29 | 38 km |
| USGS-420318096092201 | depth 5.52 ft · 1996-09-29 | 39 km |
| USGS-420321096114001 | depth 10.2 ft · 1996-09-29 | 39 km |
| USGS-420149096011701 | depth 17.7 ft · 1996-09-29 | 40 km |
| USGS-420137096043101 | depth 6.64 ft · 1996-09-29 | 41 km |
| USGS-420124096073601 | depth 8.38 ft · 1996-09-29 | 42 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 #
low (0.07)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.20 / 0.55
Banks & federal dollars #
$3.4 bn in deposits at 44 offices of 20 banks (SOD June 2026); HHI 1,356, moderately concentrated. $665.5 m federal obligations in FY2026 (direct payments $582.1 m, grants $59.1 m), $13,180 per covered job
| Item | Value | Distance |
|---|---|---|
| The Security National Bank of Sioux City, Iowa | $975.1 m · 28.3% share · 6 offices | |
| Central Bank | $436.0 m · 12.6% share · 5 offices | |
| Wells Fargo Bank, National Association | $425.4 m · 12.3% share · 3 offices | |
| Woodbury, IA | $665.5 m FY2026 · $13,180/job | |
| MULTIPLE RECIPIENTS | $518.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Security National Bank of Sioux City, Iowa | $975,058,000 | 28.3% | 6 |
| Central Bank | $435,988,000 | 12.6% | 5 |
| Wells Fargo Bank, National Association | $425,431,000 | 12.3% | 3 |
| U.S. Bank National Association | $277,175,000 | 8.0% | 3 |
| Great Southern Bank | $273,651,000 | 7.9% | 5 |
| Primebank | $230,126,000 | 6.7% | 2 |
| Pioneer Bank | $191,448,000 | 5.6% | 3 |
| Northwest Bank | $127,753,000 | 3.7% | 1 |
| United Bank of Iowa | $96,981,000 | 2.8% | 4 |
| Availa Bank | $85,650,000 | 2.5% | 1 |
Deposit concentration is 1,356 across 20 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 20 banks with deposits in the county = 28.3² + 12.6² + 12.3² + … (17 more) = 1,356
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 | $446,370,395 |
| Department of Veterans Affairs | $45,823,414 |
| Department of Health and Human Services | $39,057,945 |
| Department of Transportation | $35,980,987 |
| Department of Agriculture | $31,652,727 |
| Department of Defense | $23,340,250 |
| Department of Education | $15,080,282 |
| Department of Housing and Urban Development | $11,908,316 |
| Railroad Retirement Board | $5,487,637 |
| Department of Justice | $3,039,471 |
| Department of Homeland Security | $2,186,069 |
| Nuclear Regulatory Commission | $1,617,425 |
That is $13,180 per covered job, against 50,496 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $665.5 m / 50,496 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,180
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 #
Woodbury County, IA: 10 findings, 2 at a watch level and 8 noted
watchWoodbury County, IA's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWoodbury County, IA's typical asking rent of $1,252 scores 26 on the 0-to-100 scale across US counties but 76 across Iowa counties, a gap of 51 points.
Period 2026-09.Show the arithmetic
- 51 = |26 across US counties - 76 across Iowa counties|
position among the entities that published this metric this period; not an official level
noteWoodbury County, IA's average weekly wage was 2.2% 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
- +2.2 % = 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
noteWoodbury County, IA's typical asking rent rose 1.1% from $1,238 in August 2026 to $1,252 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.1% = (1252.3287037037037 - 1238.188899889171) / 1238.188899889171 × 100
- 1252.3287037037037 = Zillow ZORI, 2026-09
- 1238.188899889171 = Zillow ZORI, 2026-08
noteWoodbury County, IA's covered employment was 0.5% lower 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
- -0.5 % = 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
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.