Ramsey County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.02, -93.10.
Assembled 2026-10-19. Read the brief.
- 77th pct · 697th of 3,063 US counties · median $230,451
- 79th pct · 19th of 87 Minnesota counties · median $270,028
- 7th pct · 14th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $386,707
- 36th pct · 1,946th of 3,062 US counties · median +2.9%
- 13th pct · 75th of 87 Minnesota counties · median +3.5%
- 42nd pct · 9th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median +2.1%
- 53rd pct · 636th of 1,358 US counties · median $1,506
- 68th pct · 11th of 33 Minnesota counties · median $1,370
- 30th pct · 10th of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,705
- 97th pct · 93rd of 3,221 US counties · median 8,232
- 98th pct · 2nd of 87 Minnesota counties · median 7,739
- 92nd pct · 2nd of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
- 96th pct · 111th of 3,221 US counties · median $1,039
- 98th pct · 2nd of 87 Minnesota counties · median $1,102
- 92nd pct · 2nd of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,216
- 37th pct · 1,913th of 3,063 US counties · median 4.2
- 23rd pct · 67th of 87 Minnesota counties · median 4.6
- 7th pct · 14th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 6.4
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 $334,747 (Sep 2026), +1.7% over one year, +8.8% over five
- 77th pct · 697th of 3,063 US counties · median $230,451
- 79th pct · 19th of 87 Minnesota counties · median $270,028
- 7th pct · 14th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $386,707
| Item | Value | Distance |
|---|---|---|
| Ramsey County, MN | $334,747 · +1.7% 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 $1,543/mo (Sep 2026), +3.0% over one year; price-to-rent 18.1
- 53rd pct · 636th of 1,358 US counties · median $1,506
- 68th pct · 11th of 33 Minnesota counties · median $1,370
- 30th pct · 10th of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,705
| Item | Value | Distance |
|---|---|---|
| Ramsey County, MN | $1,543/mo · +3.0% 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 $1,854 a month on $334,747 at 7.40%, against an average weekly wage worth $7,588 a month: 24.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $334,747 × 80% = $267,798, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,854/mo principal and interest
- wage share = payment / (avg weekly wage $1,751 × 52 / 12 = $7,588) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $334,747 / ($1,751 × 52) = 3.7
- price-to-rent = $334,747 / ($1,543 × 12) = 18.1
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 #
321,456 jobs at 14,956 employers (2026 Q1); -2.0% jobs and +3.7% average weekly wage over the year
- 97th pct · 93rd of 3,221 US counties · median 8,232
- 98th pct · 2nd of 87 Minnesota counties · median 7,739
- 92nd pct · 2nd of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
| Item | Value | Distance |
|---|---|---|
| Ramsey County, MN | 321,456 jobs · $1,751/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 71,992 | $1,269 | 1.49 | +0.2% |
| Manufacturing | 25,639 | $2,249 | 0.99 | -5.0% |
| Retail trade | 21,883 | $861 | 0.70 | -2.4% |
| Accommodation and food services | 20,647 | $586 | 0.71 | -3.2% |
| Educational services | 14,601 | $1,018 | 2.11 | +0.0% |
| Professional and technical services | 14,353 | $2,201 | 0.65 | +2.2% |
| Management of companies | 14,206 | $5,649 | 2.64 | -1.1% |
| Finance and insurance | 14,015 | $3,585 | 1.07 | -3.9% |
| Administrative and waste services | 13,493 | $970 | 0.74 | -5.0% |
| Wholesale trade | 12,144 | $2,389 | 0.99 | -3.3% |
| Other services | 11,537 | $1,155 | 1.20 | -4.6% |
| Construction | 10,254 | $2,163 | 0.61 | -3.3% |
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 #
D2 severe drought
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$69.6 bn in deposits at 93 offices of 33 banks (SOD June 2026); HHI 6,265, highly concentrated. $4.0 bn federal obligations in FY2026 (direct payments $3.1 bn, grants $819.0 m), $12,542 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $54.8 bn · 78.8% share · 17 offices | |
| Wells Fargo Bank, National Association | $4.7 bn · 6.7% share · 11 offices | |
| Old National Bank | $1.5 bn · 2.1% share · 7 offices | |
| Ramsey, MN | $4.0 bn FY2026 · $12,542/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $54,840,951,000 | 78.8% | 17 |
| Wells Fargo Bank, National Association | $4,684,246,000 | 6.7% | 11 |
| Old National Bank | $1,485,953,000 | 2.1% | 7 |
| Associated Bank, National Association | $1,321,430,000 | 1.9% | 4 |
| The Huntington National Bank | $1,214,002,000 | 1.7% | 9 |
| North American Banking Company | $950,993,000 | 1.4% | 2 |
| Premier Bank | $841,307,000 | 1.2% | 3 |
| Sunrise Banks, National Association | $653,475,000 | 0.9% | 1 |
| Alliance Bank | $349,075,000 | 0.5% | 1 |
| North Star Bank | $340,809,000 | 0.5% | 2 |
Deposit concentration is 6,265 across 33 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 33 banks with deposits in the county = 78.8² + 6.7² + 2.1² + … (30 more) = 6,265
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 $12,542 per covered job, against 321,456 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.0 bn / 321,456 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,542
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 #
Ramsey County, MN: 16 findings, 2 at a watch level and 14 noted
watchRamsey County, MN's covered employment is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchRamsey County, MN's price-to-rent ratio of 18.1 scores 59 on the 0-to-100 scale across US counties but 22 across Minnesota counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |59 across US counties - 22 across Minnesota 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
noteRamsey County, MN's average weekly wage was 3.7% 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
- +3.7 % = 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
noteRamsey County, MN's covered employment was 2.0% 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
- -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
noteRamsey County, MN's covered employment of -2.0% ranks 15th of 15 counties in the Minneapolis-St. Paul-Bloomington metro, against a median of +0.0%.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 15 counties in the Minneapolis-St. Paul-Bloomington metro that published jobs.yoy.emp
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.