Houston County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.67, -91.50.
Assembled 2026-10-19. Read the brief.
- 74th pct · 772nd of 3,063 US counties · median $230,451
- 74th pct · 23rd of 87 Minnesota counties · median $270,028
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 58th pct · 1,283rd of 3,062 US counties · median +2.9%
- 48th pct · 45th of 87 Minnesota counties · median +3.5%
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Minnesota counties: not published this period
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 36th pct · 2,060th of 3,221 US counties · median 8,232
- 33rd pct · 58th of 87 Minnesota counties · median 7,739
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 23rd pct · 2,460th of 3,221 US counties · median $1,039
- 6th pct · 81st of 87 Minnesota counties · median $1,102
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 86th pct · 414th of 3,063 US counties · median 4.2
- 96th pct · 4th of 87 Minnesota counties · median 4.6
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska 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 $322,279 (Sep 2026), +3.5% over one year, +37.1% over five
- 74th pct · 772nd of 3,063 US counties · median $230,451
- 74th pct · 23rd of 87 Minnesota counties · median $270,028
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Houston County, MN | $322,279 · +3.5% 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
- Minnesota counties: not published this period
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
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 $1,785 a month on $322,279 at 7.40%, against an average weekly wage worth $3,995 a month: 44.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $322,279 × 80% = $257,823, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,785/mo principal and interest
- wage share = payment / (avg weekly wage $922 × 52 / 12 = $3,995) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $322,279 / ($922 × 52) = 6.7
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 #
4,781 jobs at 480 employers (2026 Q1); -3.3% jobs and +0.4% average weekly wage over the year
- 36th pct · 2,060th of 3,221 US counties · median 8,232
- 33rd pct · 58th of 87 Minnesota counties · median 7,739
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Houston County, MN | 4,781 jobs · $922/wk · -3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 460 | $557 | 0.99 | +2.9% |
| Manufacturing | 373 | $1,121 | 0.97 | +4.2% |
| Transportation and warehousing | 355 | $1,200 | 1.76 | -32.4% |
| Construction | 327 | $1,391 | 1.30 | -2.1% |
| Accommodation and food services | 317 | $259 | 0.74 | +4.6% |
| Other services | 178 | $580 | 1.25 | -5.8% |
| Agriculture, forestry, fishing | 135 | $630 | 3.91 | -2.2% |
| Administrative and waste services | 121 | $1,074 | 0.45 | -4.0% |
| Information | 93 | $1,488 | 1.06 | -24.4% |
| Arts, entertainment and recreation | 47 | $388 | 0.60 | +14.6% |
| Wholesale trade | 34 | $837 | 0.19 | -19.0% |
| Finance and insurance | 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 #
$557.5 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 4,418, highly concentrated. $136.7 m federal obligations in FY2026 (direct payments $135.9 m, contracts $422,162), $28,602 per covered job
| Item | Value | Distance |
|---|---|---|
| Merchants Bank, National Association | $322.0 m · 57.7% share · 3 offices | |
| ESB Bank | $179.1 m · 32.1% share · 3 offices | |
| Alerus Financial, National Association | $28.5 m · 5.1% share · 1 office | |
| Houston, MN | $136.7 m FY2026 · $28,602/job | |
| MULTIPLE RECIPIENTS | $130.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Merchants Bank, National Association | $321,964,000 | 57.7% | 3 |
| ESB Bank | $179,118,000 | 32.1% | 3 |
| Alerus Financial, National Association | $28,463,000 | 5.1% | 1 |
| BMO Bank National Association | $27,978,000 | 5.0% | 1 |
| Rushford State Bank (Incorporated) | $0 | 0.0% | 1 |
Deposit concentration is 4,418 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 57.7² + 32.1² + 5.1² + … (1 more) = 4,418
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.
That is $28,602 per covered job, against 4,781 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $136.7 m / 4,781 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,602
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 #
Houston County, MN: 11 findings, 1 at an alert level, 1 at a watch level and 9 noted
alertHouston County, MN's covered employment is -3.3% 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 = -3.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchHouston County, MN's covered employment is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHouston County, MN's covered employment was 3.3% 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
- -3.3 % = 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
noteHouston County, MN's average weekly wage was 0.4% 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
- +0.4 % = 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
noteHouston County, MN's momentum index of -0.21 ranks 87th of 87 Minnesota counties, against a median of 0.29.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 87 Minnesota 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
Read all 11 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.