Clark County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.86, -97.72.
Assembled 2026-10-19. Read the brief.
- 41st pct · 1,793rd of 3,063 US counties · median $230,451
- 22nd pct · 39th of 50 South Dakota counties · median $251,658
- 9th pct · 2,776th of 3,062 US counties · median +2.9%
- 4th pct · 48th of 50 South Dakota counties · median +3.1%
- US counties: not published this period
- South Dakota counties: not published this period
- 7th pct · 2,970th of 3,221 US counties · median 8,232
- 32nd pct · 45th of 66 South Dakota counties · median 1,825
- 30th pct · 2,242nd of 3,221 US counties · median $1,039
- 36th pct · 42nd of 66 South Dakota counties · median $978
- 49th pct · 1,539th of 3,063 US counties · median 4.2
- 20th pct · 40th of 50 South Dakota counties · median 4.8
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 $208,648 (Sep 2026), -2.2% over one year, +19.4% over five
- 41st pct · 1,793rd of 3,063 US counties · median $230,451
- 22nd pct · 39th of 50 South Dakota counties · median $251,658
| Item | Value | Distance |
|---|---|---|
| Clark County, SD | $208,648 · -2.2% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- South Dakota counties: not published this period
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 $1,156 a month on $208,648 at 7.40%, against an average weekly wage worth $4,134 a month: 28.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $208,648 × 80% = $166,918, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,156/mo principal and interest
- wage share = payment / (avg weekly wage $954 × 52 / 12 = $4,134) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $208,648 / ($954 × 52) = 4.2
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 #
1,118 jobs at 185 employers (2026 Q1); -4.1% jobs and +4.5% average weekly wage over the year
- 7th pct · 2,970th of 3,221 US counties · median 8,232
- 32nd pct · 45th of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Clark County, SD | 1,118 jobs · $954/wk · -4.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 140 | $1,149 | 1.56 | -3.4% |
| Retail trade | 130 | $577 | 1.19 | +0.8% |
| Agriculture, forestry, fishing | 123 | $995 | 15.23 | -24.1% |
| Health care and social assistance | 113 | $851 | 0.67 | +6.6% |
| Construction | 72 | $986 | 1.23 | -23.4% |
| Wholesale trade | 62 | $1,976 | 1.45 | -7.5% |
| Accommodation and food services | 37 | $221 | 0.37 | -24.5% |
| Other services | 34 | $1,163 | 1.02 | +78.9% |
| Professional and technical services | 29 | $1,551 | 0.38 | +0.0% |
| Arts, entertainment and recreation | 29 | $551 | 1.58 | +45.0% |
| Utilities | withheld | |||
| Transportation and warehousing | 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 #
D0 abnormally dry
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 #
29 gauges · 0 flooding · 0 with quality panels · 3 stale
Sites found: 29, 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 |
|---|---|---|
| Pelican Lake near Watertown | no flooding | 40 km |
| LAKE KAMPESKA INLET/OUTLET NEAR WATERTOWN, SD | flow 30.0 ft³/s · STALE | 45 km |
| South Dakota Glacial Lakes at Bitter Lake | observation not current | 45 km |
| STILL LAKE OUTFLOW NEAR FLORENCE, SD | flow 0.93 ft³/s · STALE | 45 km |
| BIG SIOUX RIVER AT LAKE KAMPESKA NR WATERTOWN, SD | stage 18.5 ft · no flooding | 46 km |
| BIG SIOUX RIVER AT WATERTOWN, SD | flow 1.66 ft³/s · no flooding | 47 km |
| BIG SIOUX RIVER NEAR WATERTOWN, SD | flow 4.35 ft³/s · no flooding | 47 km |
| BIG SIOUX RIVER AT BROADWAY AT WATERTOWN, SD | stage 5.06 ft · no flooding | 48 km |
| SOUTH BRANCH TRIB MUD CREEK NR RAUVILLE, SD | stage 0.28 ft · no flooding | 50 km |
| MUD CREEK NEAR RAUVILLE, SD | stage 7.64 ft · no flooding | 52 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-450905097072202 | depth 25.5 ft · 2002-09-17 | 58 km |
| USGS-451605097071701 | depth 88.6 ft · 2026-10-18 | 66 km |
| USGS-442254098174501 | depth 13.1 ft · 2024-10-02 | 69 km |
| USGS-452115097110601 | depth 13.4 ft · 2026-10-18 | 70 km |
| USGS-442112098174001 | depth 39.1 ft · 2002-09-29 | 72 km |
| USGS-452304097083901 | depth 12.8 ft · 2026-10-18 | 74 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$168.4 m in deposits at 2 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $46.8 m federal obligations in FY2026 (direct payments $31.0 m, grants $15.6 m), $41,829 per covered job
| Item | Value | Distance |
|---|---|---|
| Dacotah Bank | $168.4 m · 100.0% share · 2 offices | |
| Clark, SD | $46.8 m FY2026 · $41,829/job | |
| MULTIPLE RECIPIENTS | $18.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Dacotah Bank | $168,409,000 | 100.0% | 2 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $16,905,208 |
| Department of Transportation | $15,464,567 |
| Department of Agriculture | $12,433,835 |
| Department of Veterans Affairs | $1,586,217 |
| Department of Energy | $189,095 |
| Railroad Retirement Board | $86,136 |
| Department of Education | $75,024 |
| Federal Communications Commission | $24,621 |
That is $41,829 per covered job, against 1,118 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $46.8 m / 1,118 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,829
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 #
Clark County, SD: 14 findings, 1 at an alert level, 3 at a watch level and 10 noted
alertClark County, SD's covered employment is -4.1% 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 = -4.1 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchClark County, SD's covered employment is -4.1% 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 = -4.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchClark County, SD's typical home value is -2.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: home.yoyPct = -2.1501760910766015 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchClark County, SD's typical home value is -1.0% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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 2026-09.Show the arithmetic
- test: home.momPct = -1.007101212890408 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteClark County, SD's average weekly wage was 4.5% 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
- +4.5 % = 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 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.