Pepin County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.63, -91.83.
Assembled 2026-10-19. Read the brief.
- 68th pct · 967th of 3,063 US counties · median $230,451
- 46th pct · 39th of 72 Wisconsin counties · median $298,510
- 93rd pct · 187th of 3,062 US counties · median +2.9%
- 84th pct · 12th of 72 Wisconsin counties · median +6.0%
- US counties: not published this period
- Wisconsin counties: not published this period
- 18th pct · 2,622nd of 3,221 US counties · median 8,232
- 4th pct · 69th of 72 Wisconsin counties · median 15,405
- 49th pct · 1,637th of 3,221 US counties · median $1,039
- 48th pct · 37th of 72 Wisconsin counties · median $1,037
- 72nd pct · 857th of 3,063 US counties · median 4.2
- 50th pct · 36th of 72 Wisconsin counties · median 5.4
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 $291,729 (Sep 2026), +8.7% over one year, +46.9% over five
- 68th pct · 967th of 3,063 US counties · median $230,451
- 46th pct · 39th of 72 Wisconsin counties · median $298,510
| Item | Value | Distance |
|---|---|---|
| Pepin County, WI | $291,729 · +8.7% 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 #
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
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 $1,616 a month on $291,729 at 7.40%, against an average weekly wage worth $4,485 a month: 36.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $291,729 × 80% = $233,383, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,616/mo principal and interest
- wage share = payment / (avg weekly wage $1,035 × 52 / 12 = $4,485) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $291,729 / ($1,035 × 52) = 5.4
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 #
2,284 jobs at 262 employers (2026 Q1); +2.2% jobs and +5.5% average weekly wage over the year
- 18th pct · 2,622nd of 3,221 US counties · median 8,232
- 4th pct · 69th of 72 Wisconsin counties · median 15,405
| Item | Value | Distance |
|---|---|---|
| Pepin County, WI | 2,284 jobs · $1,035/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 292 | $711 | 1.31 | -0.7% |
| Wholesale trade | 227 | $1,596 | 2.59 | +9.1% |
| Health care and social assistance | 224 | $1,134 | 0.65 | +0.0% |
| Manufacturing | 217 | $1,116 | 1.18 | -0.5% |
| Accommodation and food services | 189 | $278 | 0.92 | +3.8% |
| Construction | 145 | $1,381 | 1.21 | +0.7% |
| Agriculture, forestry, fishing | 134 | $918 | 8.12 | -15.7% |
| Finance and insurance | 55 | $1,746 | 0.59 | -3.5% |
| Transportation and warehousing | 45 | $749 | 0.47 | -6.2% |
| Professional and technical services | 43 | $1,430 | 0.27 | +0.0% |
| Arts, entertainment and recreation | 26 | $347 | 0.69 | -7.1% |
| Information | 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 #
D2 severe 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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$382.6 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 6,756, highly concentrated. $53.1 m federal obligations in FY2026 (direct payments $53.2 m, contracts $44,768), $23,266 per covered job
| Item | Value | Distance |
|---|---|---|
| Security Financial Bank | $310.3 m · 81.1% share · 1 office | |
| Bank of Alma | $36.5 m · 9.5% share · 1 office | |
| Waumandee State Bank | $35.8 m · 9.4% share · 1 office | |
| Pepin, WI | $53.1 m FY2026 · $23,266/job | |
| MULTIPLE RECIPIENTS | $52.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security Financial Bank | $310,285,000 | 81.1% | 1 |
| Bank of Alma | $36,505,000 | 9.5% | 1 |
| Waumandee State Bank | $35,816,000 | 9.4% | 1 |
Deposit concentration is 6,756 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 81.1² + 9.5² + 9.4² = 6,756
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 | $47,372,518 |
| Department of Veterans Affairs | $4,514,199 |
| Department of Agriculture | $732,353 |
| Railroad Retirement Board | $546,737 |
| Federal Communications Commission | $62,634 |
| Department of Education | $24,934 |
| Department of Transportation | -$114,154 |
That is $23,266 per covered job, against 2,284 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $53.1 m / 2,284 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,266
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 #
Pepin County, WI: 10 findings, 10 noted
notePepin County, WI's average weekly wage was 5.5% 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
- +5.5 % = 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
notePepin County, WI's covered employment was 2.2% 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
- +2.2 % = 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
notePepin County, WI's typical home value rose 0.4% from $290,460 in August 2026 to $291,729 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (291728.51192821725 - 290460.0120863316) / 290460.0120863316 × 100
- 291728.51192821725 = Zillow ZHVI, 2026-09
- 290460.0120863316 = Zillow ZHVI, 2026-08
notePepin County, WI's momentum index of 0.84 ranks 2nd of 72 Wisconsin counties, against a median of 0.35.
Period 2026-09.Show the arithmetic
- 99 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
notePepin County, WI's momentum index of 0.84 ranks 61st of 3,221 US counties, against a median of 0.23.
Period 2026-09.Show the arithmetic
- 98 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 10 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.