Oconto County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.00, -88.21.
Assembled 2026-10-19. Read the brief.
- 72nd pct · 829th of 3,063 US counties · median $230,451
- 57th pct · 31st of 72 Wisconsin counties · median $298,510
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
- 92nd pct · 240th of 3,062 US counties · median +2.9%
- 78th pct · 16th of 72 Wisconsin counties · median +6.0%
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Wisconsin counties: not published this period
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
- 52nd pct · 1,543rd of 3,221 US counties · median 8,232
- 36th pct · 46th of 72 Wisconsin counties · median 15,405
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
- 31st pct · 2,214th of 3,221 US counties · median $1,039
- 26th pct · 53rd of 72 Wisconsin counties · median $1,037
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
- 82nd pct · 534th of 3,063 US counties · median 4.2
- 78th pct · 16th of 72 Wisconsin counties · median 5.4
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay 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 $313,555 (Sep 2026), +8.2% over one year, +46.9% over five
- 72nd pct · 829th of 3,063 US counties · median $230,451
- 57th pct · 31st of 72 Wisconsin counties · median $298,510
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oconto County, WI | $313,555 · +8.2% 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
- Wisconsin counties: not published this period
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
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 $1,737 a month on $313,555 at 7.40%, against an average weekly wage worth $4,147 a month: 41.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $313,555 × 80% = $250,844, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,737/mo principal and interest
- wage share = payment / (avg weekly wage $957 × 52 / 12 = $4,147) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $313,555 / ($957 × 52) = 6.3
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 #
8,842 jobs at 942 employers (2026 Q1); +0.8% jobs and +6.8% average weekly wage over the year
- 52nd pct · 1,543rd of 3,221 US counties · median 8,232
- 36th pct · 46th of 72 Wisconsin counties · median 15,405
- counties in the Green Bay metro: Rank context is unavailable: the manifest lists 3 counties in the Green Bay metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oconto County, WI | 8,842 jobs · $957/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,188 | $1,279 | 3.08 | +1.9% |
| Retail trade | 869 | $591 | 1.01 | -2.0% |
| Accommodation and food services | 723 | $307 | 0.91 | -3.6% |
| Construction | 552 | $1,037 | 1.19 | +6.6% |
| Transportation and warehousing | 274 | $955 | 0.74 | -2.1% |
| Finance and insurance | 156 | $1,250 | 0.43 | +2.0% |
| Administrative and waste services | 145 | $673 | 0.29 | -8.8% |
| Other services | 136 | $951 | 0.51 | -11.1% |
| Arts, entertainment and recreation | 119 | $717 | 0.82 | +72.5% |
| Real estate and rental | 37 | $869 | 0.27 | +2.8% |
| Information | 16 | $1,551 | 0.10 | -20.0% |
| Agriculture, forestry, fishing | 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 #
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$398.3 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 2,036, highly concentrated. $294.1 m federal obligations in FY2026 (direct payments $289.6 m, grants $3.9 m), $33,260 per covered job
| Item | Value | Distance |
|---|---|---|
| Flagstar Bank, National Association | $92.5 m · 23.2% share · 3 offices | |
| The Stephenson National Bank and Trust | $86.7 m · 21.8% share · 1 office | |
| Associated Bank, National Association | $84.8 m · 21.3% share · 1 office | |
| Oconto, WI | $294.1 m FY2026 · $33,260/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Flagstar Bank, National Association | $92,524,000 | 23.2% | 3 |
| The Stephenson National Bank and Trust | $86,723,000 | 21.8% | 1 |
| Associated Bank, National Association | $84,755,000 | 21.3% | 1 |
| The Peshtigo National Bank | $70,325,000 | 17.7% | 2 |
| Laona State Bank | $64,013,000 | 16.1% | 2 |
Deposit concentration is 2,036 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 23.2² + 21.8² + 21.3² + … (2 more) = 2,036
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 $33,260 per covered job, against 8,842 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $294.1 m / 8,842 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,260
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 #
Oconto County, WI: 8 findings, 8 noted
noteOconto County, WI's average weekly wage was 6.8% 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
- +6.8 % = 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
noteOconto County, WI'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
noteOconto County, WI's typical home value rose 0.5% from $312,015 in August 2026 to $313,555 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.5% = (313554.7472620695 - 312014.50446530344) / 312014.50446530344 × 100
- 313554.7472620695 = Zillow ZHVI, 2026-09
- 312014.50446530344 = Zillow ZHVI, 2026-08
noteOconto County, WI's momentum index of 0.68 ranks 5th of 72 Wisconsin counties, against a median of 0.35.
Period 2026-09.Show the arithmetic
- 94 on the 0-to-100 scale across 72 Wisconsin counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteOconto County, WI's momentum index of 0.68 ranks 218th of 3,221 US counties, against a median of 0.23.
Period 2026-09.Show the arithmetic
- 93 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
Read all 8 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.