Wright County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.18, -93.97.
Assembled 2026-10-19. Read the brief.
- 86th pct · 428th of 3,063 US counties · median $230,451
- 95th pct · 5th of 87 Minnesota counties · median $270,028
- 71st pct · 5th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $386,707
- 32nd pct · 2,077th of 3,062 US counties · median +2.9%
- 6th pct · 81st of 87 Minnesota counties · median +3.5%
- 7th pct · 14th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median +2.1%
- 75th pct · 333rd of 1,358 US counties · median $1,506
- 93rd pct · 3rd of 33 Minnesota counties · median $1,370
- 84th pct · 3rd of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,705
- 83rd pct · 524th of 3,221 US counties · median 8,232
- 89th pct · 10th of 87 Minnesota counties · median 7,739
- 57th pct · 7th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
- 66th pct · 1,078th of 3,221 US counties · median $1,039
- 65th pct · 31st of 87 Minnesota counties · median $1,102
- 28th pct · 11th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,216
- 87th pct · 391st of 3,063 US counties · median 4.2
- 97th pct · 3rd of 87 Minnesota counties · median 4.6
- 85th pct · 3rd 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 $397,588 (Sep 2026), +1.2% over one year, +13.0% over five
- 86th pct · 428th of 3,063 US counties · median $230,451
- 95th pct · 5th of 87 Minnesota counties · median $270,028
- 71st pct · 5th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median $386,707
| Item | Value | Distance |
|---|---|---|
| Wright County, MN | $397,588 · +1.2% 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 #
Typical rent $1,845/mo (Sep 2026), +4.9% over one year; price-to-rent 18.0
- 75th pct · 333rd of 1,358 US counties · median $1,506
- 93rd pct · 3rd of 33 Minnesota counties · median $1,370
- 84th pct · 3rd of 14 counties in the Minneapolis-St. Paul-Bloomington metro · median $1,705
| Item | Value | Distance |
|---|---|---|
| Wright County, MN | $1,845/mo · +4.9% 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 $2,202 a month on $397,588 at 7.40%, against an average weekly wage worth $4,866 a month: 45.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $397,588 × 80% = $318,070, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,202/mo principal and interest
- wage share = payment / (avg weekly wage $1,123 × 52 / 12 = $4,866) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $397,588 / ($1,123 × 52) = 6.8
- price-to-rent = $397,588 / ($1,845 × 12) = 18.0
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 #
47,878 jobs at 3,999 employers (2026 Q1); 0.0% jobs and +3.2% average weekly wage over the year
- 83rd pct · 524th of 3,221 US counties · median 8,232
- 89th pct · 10th of 87 Minnesota counties · median 7,739
- 57th pct · 7th of 15 counties in the Minneapolis-St. Paul-Bloomington metro · median 39,512
| Item | Value | Distance |
|---|---|---|
| Wright County, MN | 47,878 jobs · $1,123/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 7,083 | $680 | 1.52 | -0.3% |
| Health care and social assistance | 6,777 | $994 | 0.94 | +0.3% |
| Manufacturing | 6,757 | $1,608 | 1.75 | +2.5% |
| Accommodation and food services | 4,235 | $427 | 0.98 | -6.3% |
| Construction | 3,996 | $1,556 | 1.59 | +1.8% |
| Wholesale trade | 1,772 | $1,599 | 0.97 | -5.2% |
| Other services | 1,682 | $737 | 1.18 | +3.3% |
| Administrative and waste services | 1,570 | $1,212 | 0.58 | -2.1% |
| Professional and technical services | 1,104 | $1,235 | 0.33 | +2.3% |
| Finance and insurance | 854 | $2,146 | 0.44 | -0.2% |
| Arts, entertainment and recreation | 777 | $285 | 0.99 | -6.9% |
| Educational services | 310 | $838 | 0.30 | +0.3% |
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 #
D1 moderate 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 #
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 #
52 gauges · 0 flooding · 31 with quality panels averaging 98 % · 30 stale
Sites found: 52, 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-451943093504501 | temp 11.1 °C · quality 100 % (1) · STALE | 20 km |
| USGS-452030093511403 | temp 9.40 °C · quality 100 % (1) · STALE | 21 km |
| USGS-05280000 | flow 307.0 ft³/s | 21 km |
| USGS-451957093483201 | temp 8.80 °C · quality 100 % (1) · STALE | 21 km |
| USGS-452111093523402 | temp 9.20 °C · quality 100 % (1) · STALE | 21 km |
| USGS-451811093445601 | temp 11.7 °C · quality 100 % (1) · STALE | 22 km |
| USGS-451753093434801 | temp 11.4 °C · quality 100 % (1) · STALE | 23 km |
| USGS-452229093525801 | temp 9.70 °C · quality 100 % (1) · STALE | 23 km |
| USGS-452215093481001 | temp 13.4 °C · quality 100 % (1) · STALE | 25 km |
| USGS-452428093591601 | temp 10.0 °C · quality 100 % (1) · STALE | 26 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 #
46 wells in 0 named aquifers:
Sites found: 46, 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-451943093504501 | depth 21.4 ft · 2014-11-05 | 20 km |
| USGS-452030093511403 | depth 19.0 ft · 2014-03-23 | 21 km |
| USGS-451957093483201 | depth 42.0 ft · 2014-11-03 | 21 km |
| USGS-452111093523402 | depth 30.4 ft · 2014-11-03 | 21 km |
| USGS-451811093445601 | depth 15.0 ft · 2014-03-24 | 22 km |
| USGS-451753093434801 | depth 11.5 ft · 2014-11-03 | 23 km |
| USGS-452229093525801 | depth 34.1 ft · 2014-11-04 | 23 km |
| USGS-452215093481001 | depth 20.0 ft · 2014-11-03 | 25 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 (0.17)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.02 / 0.55
Banks & federal dollars #
$3.0 bn in deposits at 33 offices of 24 banks (SOD June 2026); HHI 646, unconcentrated. $761.5 m federal obligations in FY2026 (direct payments $716.2 m, grants $40.1 m), $15,904 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $480.2 m · 16.1% share · 2 offices | |
| Old National Bank | $220.2 m · 7.4% share · 1 office | |
| BANKWEST | $217.5 m · 7.3% share · 3 offices | |
| Wright, MN | $761.5 m FY2026 · $15,904/job | |
| MULTIPLE RECIPIENTS | $703.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $480,188,000 | 16.1% | 2 |
| Old National Bank | $220,152,000 | 7.4% | 1 |
| BANKWEST | $217,508,000 | 7.3% | 3 |
| Lake Central Bank | $200,216,000 | 6.7% | 2 |
| Star Bank | $180,671,000 | 6.1% | 2 |
| CorTrust Bank National Association | $173,990,000 | 5.8% | 3 |
| U.S. Bank National Association | $152,386,000 | 5.1% | 1 |
| The First National Bank of Cokato | $128,071,000 | 4.3% | 1 |
| Deerwood Bank | $125,592,000 | 4.2% | 1 |
| Kensington Bank | $119,627,000 | 4.0% | 1 |
Deposit concentration is 646 across 24 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 24 banks with deposits in the county = 16.1² + 7.4² + 7.3² + … (21 more) = 646
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 | $632,352,857 |
| Department of Veterans Affairs | $67,940,265 |
| Department of Transportation | $37,262,678 |
| Department of Agriculture | $13,092,996 |
| Railroad Retirement Board | $3,513,234 |
| Department of Health and Human Services | $2,776,441 |
| Federal Communications Commission | $1,727,370 |
| Department of Housing and Urban Development | $1,373,472 |
| Department of Defense | $853,062 |
| Department of Justice | $189,105 |
| Department of the Interior | $182,735 |
| Department of Homeland Security | $139,232 |
That is $15,904 per covered job, against 47,878 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $761.5 m / 47,878 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,904
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 #
Wright County, MN: 13 findings, 1 at a watch level and 12 noted
watchWright County, MN's price-to-rent ratio of 18.0 scores 58 on the 0-to-100 scale across US counties but 13 across Minnesota counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |58 across US counties - 13 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
noteWright County, MN's average weekly wage was 3.2% 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
- +3.2 % = 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
noteWright County, MN's typical asking rent rose 0.7% from $1,832 in August 2026 to $1,845 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.7% = (1844.659197012138 - 1832.4696358633298) / 1832.4696358633298 × 100
- 1844.659197012138 = Zillow ZORI, 2026-09
- 1832.4696358633298 = Zillow ZORI, 2026-08
noteWright County, MN's typical home value rose 0.4% from $396,201 in August 2026 to $397,588 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (397588.0332560758 - 396201.28269922425) / 396201.28269922425 × 100
- 397588.0332560758 = Zillow ZHVI, 2026-09
- 396201.28269922425 = Zillow ZHVI, 2026-08
noteWright County, MN's price-to-rent ratio of 18.0 ranks 14th of 14 counties in the Minneapolis-St. Paul-Bloomington metro, against a median of 19.4.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 14 counties in the Minneapolis-St. Paul-Bloomington metro that published priceToRent
- 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
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.