Dakota County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.39, -96.56.
Assembled 2026-10-19. Read the brief.
- 55th pct · 1,373rd of 3,063 US counties · median $230,451
- 70th pct · 27th of 89 Nebraska counties · median $214,386
- 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.
- 79th pct · 625th of 3,062 US counties · median +2.9%
- 73rd pct · 24th of 89 Nebraska 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.
- 39th pct · 816th of 1,358 US counties · median $1,506
- 76th pct · 4th of 14 Nebraska counties · median $1,287
- 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 · 1,162nd of 3,221 US counties · median 8,232
- 88th pct · 12th of 93 Nebraska counties · median 2,151
- 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.
- 75th pct · 780th of 3,221 US counties · median $1,039
- 93rd pct · 7th of 93 Nebraska counties · median $970
- 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.
- 44th pct · 1,714th of 3,063 US counties · median 4.2
- 46th pct · 48th of 89 Nebraska counties · median 4.0
- 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 $245,248 (Sep 2026), +5.7% over one year, +34.6% over five
- 55th pct · 1,373rd of 3,063 US counties · median $230,451
- 70th pct · 27th of 89 Nebraska counties · median $214,386
- 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 |
|---|---|---|
| Dakota County, NE | $245,248 · +5.7% 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 $1,399/mo (Sep 2026), n/a over one year; price-to-rent 14.6
- 39th pct · 816th of 1,358 US counties · median $1,506
- 76th pct · 4th of 14 Nebraska counties · median $1,287
- 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 |
|---|---|---|
| Dakota County, NE | $1,399/mo · n/a 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 $1,358 a month on $245,248 at 7.40%, against an average weekly wage worth $5,191 a month: 26.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $245,248 × 80% = $196,198, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,358/mo principal and interest
- wage share = payment / (avg weekly wage $1,198 × 52 / 12 = $5,191) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $245,248 / ($1,198 × 52) = 3.9
- price-to-rent = $245,248 / ($1,399 × 12) = 14.6
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 #
14,598 jobs at 509 employers (2026 Q1); +5.6% jobs and +7.2% average weekly wage over the year
- 63rd pct · 1,162nd of 3,221 US counties · median 8,232
- 88th pct · 12th of 93 Nebraska counties · median 2,151
- 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 |
|---|---|---|
| Dakota County, NE | 14,598 jobs · $1,198/wk · +5.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 6,363 | $1,338 | 5.42 | +8.9% |
| Transportation and warehousing | 2,219 | $1,132 | 3.61 | +15.4% |
| Finance and insurance | 928 | $1,883 | 1.56 | +0.0% |
| Retail trade | 871 | $628 | 0.61 | +2.6% |
| Accommodation and food services | 689 | $440 | 0.53 | -0.3% |
| Health care and social assistance | 657 | $966 | 0.30 | +7.9% |
| Administrative and waste services | 364 | $1,179 | 0.44 | -4.2% |
| Arts, entertainment and recreation | 167 | $469 | 0.69 | +7.7% |
| Wholesale trade | 163 | $1,146 | 0.29 | +5.2% |
| Real estate and rental | 43 | $895 | 0.19 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Construction | 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.
Water #
Banks & federal dollars #
$328.8 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 2,412, highly concentrated. $123.5 m federal obligations in FY2026 (direct payments $102.3 m, grants $21.3 m), $8,463 per covered job
| Item | Value | Distance |
|---|---|---|
| F&M Bank | $108.5 m · 33.0% share · 2 offices | |
| BankFirst | $84.1 m · 25.6% share · 1 office | |
| Siouxland Bank | $76.4 m · 23.2% share · 1 office | |
| Dakota, NE | $123.5 m FY2026 · $8,463/job | |
| MULTIPLE RECIPIENTS | $90.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| F&M Bank | $108,456,000 | 33.0% | 2 |
| BankFirst | $84,060,000 | 25.6% | 1 |
| Siouxland Bank | $76,400,000 | 23.2% | 1 |
| First Community Bank | $28,629,000 | 8.7% | 1 |
| Great Southern Bank | $22,934,000 | 7.0% | 1 |
| Bank of Dixon County | $8,354,000 | 2.5% | 1 |
Deposit concentration is 2,412 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 = 33.0² + 25.6² + 23.2² + … (3 more) = 2,412
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 | $79,711,281 |
| Department of Transportation | $21,002,781 |
| Department of Veterans Affairs | $9,514,759 |
| Department of Agriculture | $8,792,521 |
| Department of Housing and Urban Development | $2,827,311 |
| Railroad Retirement Board | $1,398,427 |
| Department of Justice | $125,000 |
| Department of Health and Human Services | $75,000 |
| Department of Education | $69,717 |
| Federal Communications Commission | $32,564 |
| Department of the Interior | -$3,607 |
That is $8,463 per covered job, against 14,598 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $123.5 m / 14,598 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,463
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 #
Dakota County, NE: 13 findings, 1 at a watch level and 12 noted
watchDakota County, NE's typical asking rent of $1,399 scores 40 on the 0-to-100 scale across US counties but 77 across Nebraska counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |40 across US counties - 77 across Nebraska counties|
position among the entities that published this metric this period; not an official level
noteDakota County, NE's average weekly wage was 7.2% 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
- +7.2 % = 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
noteDakota County, NE's covered employment was 5.6% 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
- +5.6 % = 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
noteDakota County, NE's typical home value rose 0.3% from $244,548 in August 2026 to $245,248 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (245247.8933104293 - 244548.09035929528) / 244548.09035929528 × 100
- 245247.8933104293 = Zillow ZHVI, 2026-09
- 244548.09035929528 = Zillow ZHVI, 2026-08
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Dakota County, NE could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
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.