Lincoln County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.28, -96.72.
Assembled 2026-10-20. Read the brief.
- 83rd pct · 496th of 3,063 US counties · median $230,451
- 93rd pct · 4th of 50 South Dakota counties · median $251,658
- 100th pct · 1st of 5 counties in the Sioux Falls metro · median $292,101
- 26th pct · 2,241st of 3,062 US counties · median +2.9%
- 20th pct · 40th of 50 South Dakota counties · median +3.1%
- 25th pct · 4th of 5 counties in the Sioux Falls metro · median +1.3%
- 35th pct · 873rd of 1,358 US counties · median $1,506
- 70th pct · 4th of 11 South Dakota counties · median $1,275
- counties in the Sioux Falls metro: only 2 of counties in the Sioux Falls metro published this metric; fewer than 5 is too few to rank
- 77th pct · 722nd of 3,221 US counties · median 8,232
- 96th pct · 3rd of 66 South Dakota counties · median 1,825
- 75th pct · 2nd of 5 counties in the Sioux Falls metro · median 3,840
- 89th pct · 352nd of 3,221 US counties · median $1,039
- 98th pct · 2nd of 66 South Dakota counties · median $978
- 100th pct · 1st of 5 counties in the Sioux Falls metro · median $1,148
- 69th pct · 927th of 3,063 US counties · median 4.2
- 61st pct · 20th of 50 South Dakota counties · median 4.8
- 50th pct · 3rd of 5 counties in the Sioux Falls metro · median 5.3
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 $381,169 (Sep 2026), +0.7% over one year, +20.4% over five
- 83rd pct · 496th of 3,063 US counties · median $230,451
- 93rd pct · 4th of 50 South Dakota counties · median $251,658
- 100th pct · 1st of 5 counties in the Sioux Falls metro · median $292,101
| Item | Value | Distance |
|---|---|---|
| Lincoln County, SD | $381,169 · +0.7% 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 $1,351/mo (Sep 2026), +3.0% over one year; price-to-rent 23.5
- 35th pct · 873rd of 1,358 US counties · median $1,506
- 70th pct · 4th of 11 South Dakota counties · median $1,275
- counties in the Sioux Falls metro: only 2 of counties in the Sioux Falls metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Lincoln County, SD | $1,351/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 $2,111 a month on $381,169 at 7.40%, against an average weekly wage worth $6,010 a month: 35.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $381,169 × 80% = $304,936, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,111/mo principal and interest
- wage share = payment / (avg weekly wage $1,387 × 52 / 12 = $6,010) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $381,169 / ($1,387 × 52) = 5.3
- price-to-rent = $381,169 / ($1,351 × 12) = 23.5
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 #
30,041 jobs at 2,781 employers (2026 Q1); +0.8% jobs and +3.2% average weekly wage over the year
- 77th pct · 722nd of 3,221 US counties · median 8,232
- 96th pct · 3rd of 66 South Dakota counties · median 1,825
- 75th pct · 2nd of 5 counties in the Sioux Falls metro · median 3,840
| Item | Value | Distance |
|---|---|---|
| Lincoln County, SD | 30,041 jobs · $1,387/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,122 | $1,384 | 1.35 | -0.3% |
| Finance and insurance | 3,178 | $2,462 | 2.60 | +5.3% |
| Retail trade | 2,948 | $838 | 1.01 | -1.8% |
| Manufacturing | 2,700 | $1,544 | 1.12 | +3.3% |
| Construction | 2,673 | $1,408 | 1.70 | +2.8% |
| Accommodation and food services | 2,060 | $417 | 0.76 | +0.3% |
| Professional and technical services | 1,535 | $1,926 | 0.74 | -6.9% |
| Administrative and waste services | 1,152 | $1,139 | 0.67 | +2.2% |
| Wholesale trade | 1,083 | $1,886 | 0.94 | +0.1% |
| Other services | 972 | $796 | 1.08 | +0.3% |
| Management of companies | 635 | $3,011 | 1.26 | -1.2% |
| Real estate and rental | 513 | $1,104 | 1.11 | +6.9% |
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 #
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 · 1 with quality panels averaging 100 % · 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 |
|---|---|---|
| BIG SIOUX RIVER AT SIOUX FALLS, SD | flow 72.9 ft³/s | 25 km |
| SKUNK CREEK AT SIOUX FALLS, SD | flow 3.56 ft³/s | 29 km |
| BIG SIOUX RIVER NEAR HAWARDEN, IA | flow 665.0 ft³/s | 32 km |
| BIG SIOUX R AT NORTH CLIFF AVE AT SIOUX FALLS, SD | flow 161.0 ft³/s | 32 km |
| BIG SIOUX RIVER BELOW DIVERSION AT SIOUX FALLS, SD | stage 3.13 ft | 33 km |
| Rock River near Rock Valley, IA | flow 519.0 ft³/s | 35 km |
| SILVER CREEK AT SIOUX FALLS, SD | stage 0.92 ft | 36 km |
| EAST FORK VERMILLION RIVER NEAR PARKER, SD | flow 1,880 ft³/s | 36 km |
| SPLIT ROCK CREEK AT CORSON, SD | flow 18.9 ft³/s | 40 km |
| WILLOW CREEK NEAR CROOKS, SD | stage 3.65 ft | 40 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 #
9 wells in 0 named aquifers:
Sites found: 9, 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-431619096460202 | depth 174.8 ft · 2002-09-29 | 4 km |
| USGS-433726096444501 | depth 10.9 ft · 2026-10-18 | 38 km |
| USGS-433752096432701 | depth 9.21 ft · 2026-10-18 | 39 km |
| USGS-433920096434001 | depth 5.75 ft · 2021-10-24 | 42 km |
| USGS-433923096431301 | depth 9.43 ft · 2022-11-08 | 42 km |
| USGS-433926096431701 | depth 9.93 ft · 2022-11-08 | 42 km |
| USGS-433929096432701 | depth 8.10 ft · 2022-11-08 | 42 km |
| USGS-434330096434801 | depth 9.51 ft · 2026-10-18 | 50 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$647.5 bn in deposits at 38 offices of 26 banks (SOD June 2026); HHI 9,701, highly concentrated. $398.3 m federal obligations in FY2026 (direct payments $351.9 m, grants $45.3 m), $13,259 per covered job
| Item | Value | Distance |
|---|---|---|
| Citibank, National Association | $637.7 bn · 98.5% share · 2 offices | |
| Pathward, National Association | $6.0 bn · 0.9% share · 1 office | |
| Sunrise Banks, National Association | $1.7 bn · 0.3% share · 2 offices | |
| Lincoln, SD | $398.3 m FY2026 · $13,259/job | |
| MULTIPLE RECIPIENTS | $325.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citibank, National Association | $637,715,000,000 | 98.5% | 2 |
| Pathward, National Association | $5,952,921,000 | 0.9% | 1 |
| Sunrise Banks, National Association | $1,701,466,000 | 0.3% | 2 |
| The First National Bank in Sioux Falls | $245,883,000 | 0.0% | 4 |
| Wells Fargo Bank, National Association | $245,563,000 | 0.0% | 2 |
| Central Bank | $214,477,000 | 0.0% | 2 |
| First Dakota National Bank | $194,304,000 | 0.0% | 2 |
| American Bank & Trust | $158,800,000 | 0.0% | 3 |
| First Bank & Trust | $112,529,000 | 0.0% | 1 |
| First PREMIER Bank | $110,246,000 | 0.0% | 1 |
Deposit concentration is 9,701 across 26 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 26 banks with deposits in the county = 98.5² + 0.9² + 0.3² + … (23 more) = 9,701
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 | $278,208,198 |
| Department of Veterans Affairs | $47,470,603 |
| Department of Transportation | $42,959,217 |
| Department of Agriculture | $23,292,829 |
| Department of Health and Human Services | $2,252,960 |
| Department of Housing and Urban Development | $1,942,505 |
| Federal Communications Commission | $905,017 |
| Department of Defense | $723,915 |
| Railroad Retirement Board | $513,438 |
| Department of Justice | $56,479 |
| Department of Homeland Security | $650 |
| General Services Administration | $0 |
That is $13,259 per covered job, against 30,041 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $398.3 m / 30,041 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,259
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.
Public companies #
3 public companies file with the SEC from a business address here (NorthWestern Energy Group, Inc., PATHWARD FINANCIAL, INC., KPET Ultra Paceline Corp). The snapshot was pulled 2026-10-20; 3 of 3 carry financial facts. The county's jobs mix maps to 6 GICS sectors, led by Financials.
| Item | Value | Distance |
|---|---|---|
| NorthWestern Energy Group, Inc. | NWE · Nasdaq · Utilities · SIOUX FALLS, SD 57108 | |
| PATHWARD FINANCIAL, INC. | CASH · Nasdaq · Financials · SIOUX FALLS, SD 57108 | |
| KPET Ultra Paceline Corp | KPET · NYSE · Financials · SIOUX FALLS, SD 57108 |
Snapshot pulled 2026-10-20: 3 filers, 3 with financial facts.
Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
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 #
Lincoln County, SD: 13 findings, 1 at a watch level and 12 noted
watchLincoln County, SD's typical asking rent of $1,351 scores 36 on the 0-to-100 scale across US counties but 70 across South Dakota counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |36 across US counties - 70 across South Dakota counties|
position among the entities that published this metric this period; not an official level
noteLincoln County, SD'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
noteLincoln County, SD's covered employment was 0.8% 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
- +0.8 % = 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
noteLincoln County, SD's typical asking rent rose 0.3% from $1,347 in August 2026 to $1,351 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (1350.784922018793 - 1346.7473175994069) / 1346.7473175994069 × 100
- 1350.784922018793 = Zillow ZORI, 2026-09
- 1346.7473175994069 = Zillow ZORI, 2026-08
noteLincoln County, SD's typical home value of $381,169 ranks 1st of 5 counties in the Sioux Falls metro, against a median of $292,101.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 5 counties in the Sioux Falls metro that published home.latest
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.