Ozaukee County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.50, -87.85.
Assembled 2026-10-19. Read the brief.
- 94th pct · 182nd of 3,063 US counties · median $230,451
- 100th pct · 1st of 72 Wisconsin counties · median $298,510
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
- 84th pct · 462nd of 3,062 US counties · median +2.9%
- 63rd pct · 27th of 72 Wisconsin counties · median +6.0%
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
- 77th pct · 306th of 1,358 US counties · median $1,506
- 97th pct · 2nd of 38 Wisconsin counties · median $1,275
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
- 81st pct · 601st of 3,221 US counties · median 8,232
- 77th pct · 17th of 72 Wisconsin counties · median 15,405
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
- 78th pct · 687th of 3,221 US counties · median $1,039
- 81st pct · 14th of 72 Wisconsin counties · median $1,037
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
- 93rd pct · 211th of 3,063 US counties · median 4.2
- 97th pct · 3rd of 72 Wisconsin counties · median 5.4
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha 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 $508,113 (Sep 2026), +6.5% over one year, +28.3% over five
- 94th pct · 182nd of 3,063 US counties · median $230,451
- 100th pct · 1st of 72 Wisconsin counties · median $298,510
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ozaukee County, WI | $508,113 · +6.5% 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 $1,866/mo (Sep 2026), +9.8% over one year; price-to-rent 22.7
- 77th pct · 306th of 1,358 US counties · median $1,506
- 97th pct · 2nd of 38 Wisconsin counties · median $1,275
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ozaukee County, WI | $1,866/mo · +9.8% 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 $2,814 a month on $508,113 at 7.40%, against an average weekly wage worth $5,308 a month: 53.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $508,113 × 80% = $406,490, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,814/mo principal and interest
- wage share = payment / (avg weekly wage $1,225 × 52 / 12 = $5,308) = 53% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $508,113 / ($1,225 × 52) = 8.0
- price-to-rent = $508,113 / ($1,866 × 12) = 22.7
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 #
40,423 jobs at 3,283 employers (2026 Q1); +2.0% jobs and +2.6% average weekly wage over the year
- 81st pct · 601st of 3,221 US counties · median 8,232
- 77th pct · 17th of 72 Wisconsin counties · median 15,405
- counties in the Milwaukee-Waukesha metro: Rank context is unavailable: the manifest lists 4 counties in the Milwaukee-Waukesha metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ozaukee County, WI | 40,423 jobs · $1,225/wk · +2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,493 | $1,480 | 2.30 | +0.4% |
| Health care and social assistance | 7,293 | $1,225 | 1.20 | +4.0% |
| Retail trade | 4,555 | $670 | 1.16 | +1.7% |
| Accommodation and food services | 4,030 | $397 | 1.11 | +6.7% |
| Professional and technical services | 2,184 | $1,846 | 0.78 | +6.8% |
| Educational services | 1,753 | $594 | 2.02 | +2.6% |
| Administrative and waste services | 1,643 | $887 | 0.72 | +7.8% |
| Construction | 1,395 | $1,219 | 0.66 | +3.6% |
| Wholesale trade | 1,268 | $1,885 | 0.82 | -10.8% |
| Finance and insurance | 1,209 | $3,581 | 0.73 | +0.2% |
| Other services | 1,144 | $789 | 0.95 | -5.5% |
| Arts, entertainment and recreation | 861 | $605 | 1.29 | +3.9% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$3.4 bn in deposits at 34 offices of 15 banks (SOD June 2026); HHI 1,585, moderately concentrated. $667.9 m federal obligations in FY2026 (direct payments $660.2 m, grants $3.9 m), $16,523 per covered job
| Item | Value | Distance |
|---|---|---|
| The Port Washington State Bank | $926.9 m · 27.2% share · 8 offices | |
| BMO Bank National Association | $740.2 m · 21.8% share · 5 offices | |
| Associated Bank, National Association | $397.6 m · 11.7% share · 3 offices | |
| Ozaukee, WI | $667.9 m FY2026 · $16,523/job | |
| MULTIPLE RECIPIENTS | $651.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Port Washington State Bank | $926,853,000 | 27.2% | 8 |
| BMO Bank National Association | $740,155,000 | 21.8% | 5 |
| Associated Bank, National Association | $397,610,000 | 11.7% | 3 |
| U.S. Bank National Association | $371,768,000 | 10.9% | 3 |
| JPMorgan Chase Bank, National Association | $183,023,000 | 5.4% | 3 |
| Bank First, N.A. | $180,313,000 | 5.3% | 1 |
| Bank Five Nine | $165,134,000 | 4.9% | 2 |
| Wells Fargo Bank, National Association | $141,914,000 | 4.2% | 1 |
| North Shore Bank | $96,092,000 | 2.8% | 2 |
| Horicon Bank | $66,251,000 | 1.9% | 1 |
Deposit concentration is 1,585 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 27.2² + 21.8² + 11.7² + … (12 more) = 1,585
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 | $613,746,383 |
| Department of Veterans Affairs | $36,676,695 |
| Department of Transportation | $3,453,599 |
| Department of Agriculture | $3,362,655 |
| Department of Education | $3,153,172 |
| Department of Defense | $2,445,509 |
| Department of Housing and Urban Development | $1,890,733 |
| Federal Communications Commission | $1,557,779 |
| Railroad Retirement Board | $765,721 |
| Department of Health and Human Services | $554,384 |
| Corporation for National and Community Service | $122,191 |
| Department of Homeland Security | $64,368 |
That is $16,523 per covered job, against 40,423 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $667.9 m / 40,423 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,523
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 #
Ozaukee County, WI: 15 findings, 2 at a watch level and 13 noted
watchOzaukee County, WI's years of wages of 8.0 ranks 211th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 93.14173742651862 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchOzaukee County, WI's typical asking rent is +9.8% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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: rent.yoyPct = 9.832998377285108 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
noteOzaukee County, WI's average weekly wage was 2.6% 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
- +2.6 % = 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
noteOzaukee County, WI's covered employment was 2.0% 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
- +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
noteOzaukee County, WI's typical asking rent fell 0.9% from $1,884 in August 2026 to $1,866 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.9% = (1866.4761904761906 - 1884.3161572607983) / 1884.3161572607983 × 100
- 1866.4761904761906 = Zillow ZORI, 2026-09
- 1884.3161572607983 = Zillow ZORI, 2026-08
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.