Vernon County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.60, -90.82.
Assembled 2026-10-19. Read the brief.
- 60th pct · 1,206th of 3,063 US counties · median $230,451
- 29th pct · 51st of 72 Wisconsin counties · median $298,510
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 94th pct · 174th of 3,062 US counties · median +2.9%
- 87th pct · 10th of 72 Wisconsin counties · median +6.0%
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Wisconsin counties: not published this period
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 50th pct · 1,588th of 3,221 US counties · median 8,232
- 35th pct · 47th of 72 Wisconsin counties · median 15,405
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 27th pct · 2,333rd of 3,221 US counties · median $1,039
- 16th pct · 60th of 72 Wisconsin counties · median $1,037
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
- 71st pct · 882nd of 3,063 US counties · median 4.2
- 47th pct · 38th of 72 Wisconsin counties · median 5.4
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska 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 $262,834 (Sep 2026), +8.9% over one year, +17.5% over five
- 60th pct · 1,206th of 3,063 US counties · median $230,451
- 29th pct · 51st of 72 Wisconsin counties · median $298,510
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Vernon County, WI | $262,834 · +8.9% 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 La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska 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 $1,456 a month on $262,834 at 7.40%, against an average weekly wage worth $4,078 a month: 35.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $262,834 × 80% = $210,268, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,456/mo principal and interest
- wage share = payment / (avg weekly wage $941 × 52 / 12 = $4,078) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $262,834 / ($941 × 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 #
8,414 jobs at 838 employers (2026 Q1); -0.4% jobs and +3.7% average weekly wage over the year
- 50th pct · 1,588th of 3,221 US counties · median 8,232
- 35th pct · 47th of 72 Wisconsin counties · median 15,405
- counties in the La Crosse-Onalaska metro: Rank context is unavailable: the manifest lists 3 counties in the La Crosse-Onalaska metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Vernon County, WI | 8,414 jobs · $941/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,748 | $1,090 | 1.38 | +2.6% |
| Retail trade | 1,177 | $610 | 1.44 | -1.6% |
| Manufacturing | 810 | $1,275 | 1.20 | -2.5% |
| Accommodation and food services | 665 | $289 | 0.88 | -3.5% |
| Construction | 419 | $920 | 0.95 | -1.6% |
| Finance and insurance | 313 | $1,222 | 0.91 | +3.3% |
| Wholesale trade | 198 | $1,144 | 0.61 | -12.8% |
| Transportation and warehousing | 173 | $1,346 | 0.49 | -6.5% |
| Professional and technical services | 167 | $1,112 | 0.29 | +5.7% |
| Other services | 141 | $632 | 0.56 | +1.4% |
| Information | 120 | $1,671 | 0.77 | -13.7% |
| Utilities | 64 | $1,447 | 1.93 | -1.5% |
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 #
$692.0 m in deposits at 15 offices of 7 banks (SOD June 2026); HHI 1,734, moderately concentrated. $218.7 m federal obligations in FY2026 (direct payments $193.5 m, grants $24.2 m), $25,995 per covered job
| Item | Value | Distance |
|---|---|---|
| One Community Bank | $181.6 m · 26.2% share · 3 offices | |
| Citizens First Bank | $144.6 m · 20.9% share · 1 office | |
| River Bank | $113.9 m · 16.5% share · 4 offices | |
| Vernon, WI | $218.7 m FY2026 · $25,995/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| One Community Bank | $181,610,000 | 26.2% | 3 |
| Citizens First Bank | $144,601,000 | 20.9% | 1 |
| River Bank | $113,900,000 | 16.5% | 4 |
| Peoples State Bank | $69,793,000 | 10.1% | 1 |
| Bank of Ontario | $67,429,000 | 9.7% | 3 |
| Royal Bank | $67,128,000 | 9.7% | 2 |
| Associated Bank, National Association | $47,517,000 | 6.9% | 1 |
Deposit concentration is 1,734 across 7 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 26.2² + 20.9² + 16.5² + … (4 more) = 1,734
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 $25,995 per covered job, against 8,414 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $218.7 m / 8,414 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,995
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 #
Vernon County, WI: 8 findings, 2 at a watch level and 6 noted
watchVernon County, WI's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchVernon County, WI's typical home value of $262,834 scores 61 on the 0-to-100 scale across US counties but 30 across Wisconsin counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |61 across US counties - 30 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
noteVernon County, WI's average weekly wage was 3.7% 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
- +3.7 % = 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
noteVernon County, WI's typical home value rose 0.5% from $261,517 in August 2026 to $262,834 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.5% = (262834.3980061635 - 261516.9081279456) / 261516.9081279456 × 100
- 262834.3980061635 = Zillow ZHVI, 2026-09
- 261516.9081279456 = Zillow ZHVI, 2026-08
noteVernon County, WI's covered employment was 0.4% lower 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
- -0.4 % = 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 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.