Bonner County, ID
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 48.32, -116.63.
Assembled 2026-10-19. Read the brief.
- 97th pct · 81st of 3,063 US counties · median $230,451
- 92nd pct · 4th of 43 Idaho counties · median $394,611
- 56th pct · 1,329th of 3,062 US counties · median +2.9%
- 60th pct · 17th of 42 Idaho counties · median +3.2%
- 82nd pct · 239th of 1,358 US counties · median $1,506
- 80th pct · 5th of 21 Idaho counties · median $1,555
- 66th pct · 1,088th of 3,221 US counties · median 8,232
- 79th pct · 10th of 44 Idaho counties · median 4,800
- 48th pct · 1,656th of 3,221 US counties · median $1,039
- 55th pct · 20th of 44 Idaho counties · median $1,026
- 98th pct · 36th of 3,063 US counties · median 4.2
- 95th pct · 3rd of 43 Idaho counties · median 7.6
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 $659,993 (Sep 2026), +3.4% over one year, +14.9% over five
- 97th pct · 81st of 3,063 US counties · median $230,451
- 92nd pct · 4th of 43 Idaho counties · median $394,611
| Item | Value | Distance |
|---|---|---|
| Bonner County, ID | $659,993 · +3.4% 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 $1,982/mo (Sep 2026), +3.9% over one year; price-to-rent 27.7
- 82nd pct · 239th of 1,358 US counties · median $1,506
- 80th pct · 5th of 21 Idaho counties · median $1,555
| Item | Value | Distance |
|---|---|---|
| Bonner County, ID | $1,982/mo · +3.9% 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 $3,656 a month on $659,993 at 7.40%, against an average weekly wage worth $4,476 a month: 81.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $659,993 × 80% = $527,995, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,656/mo principal and interest
- wage share = payment / (avg weekly wage $1,033 × 52 / 12 = $4,476) = 82% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $659,993 / ($1,033 × 52) = 12.3
- price-to-rent = $659,993 / ($1,982 × 12) = 27.7
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 #
15,947 jobs at 2,443 employers (2026 Q1); +1.9% jobs and +3.7% average weekly wage over the year
- 66th pct · 1,088th of 3,221 US counties · median 8,232
- 79th pct · 10th of 44 Idaho counties · median 4,800
| Item | Value | Distance |
|---|---|---|
| Bonner County, ID | 15,947 jobs · $1,033/wk · +1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,388 | $678 | 1.54 | +0.1% |
| Accommodation and food services | 1,831 | $483 | 1.28 | +1.6% |
| Manufacturing | 1,812 | $1,225 | 1.41 | -4.1% |
| Health care and social assistance | 1,571 | $848 | 0.65 | +6.7% |
| Professional and technical services | 707 | $1,697 | 0.64 | +0.7% |
| Arts, entertainment and recreation | 693 | $536 | 2.64 | +1.0% |
| Other services | 668 | $936 | 1.40 | +6.2% |
| Finance and insurance | 364 | $1,974 | 0.56 | +9.6% |
| Transportation and warehousing | 329 | $1,303 | 0.49 | +2.5% |
| Administrative and waste services | 288 | $1,000 | 0.32 | +5.9% |
| Real estate and rental | 255 | $885 | 1.04 | -16.1% |
| Educational services | 189 | $492 | 0.55 | +1.1% |
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 #
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 #
25 gauges · 0 flooding · 3 with quality panels averaging 100 % · 12 stale
Sites found: 25, 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 |
|---|---|---|
| SAND CREEK NR SANDPOINT ID | flow 128.0 ft³/s · STALE | 6 km |
| PACK RIVER BLW SAND CREEK NR COLBURN , ID | stage 74.3 ft · STALE | 14 km |
| PACK RIVER AB RAPID LIGHTNING CREEK NR COLBURN ID | flow 2,800 ft³/s · STALE | 17 km |
| RAPID LIGHTNING CREEK NR COLBURN ID | flow 11.0 ft³/s · STALE | 17 km |
| PACK RIVER ABV CARIBOU CREEK NR COLBURN ID | stage 73.2 ft | 18 km |
| PRIEST RIVER NR COOLIN ID | flow 58.0 ft³/s · STALE | 25 km |
| Priest River near Priest River, ID | flow 1,340 ft³/s | 25 km |
| PRIEST R OUTFLOW NR COOLIN, ID | flow 1,210 ft³/s | 28 km |
| PEND OREILLE RIVER AT NEWPORT WA | flow 22,300 ft³/s | 34 km |
| LIGHTNING CREEK AT CLARK FORK ID | flow 1.08 ft³/s | 38 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 #
24 wells in 0 named aquifers:
Sites found: 24, 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-484133116173801 | depth 8.75 ft · 2012-04-16 | 48 km |
| USGS-484144116173801 | depth 6.88 ft · 2012-04-17 | 48 km |
| USGS-484205116182801 | depth 11.4 ft · 2012-04-17 | 48 km |
| USGS-484154116175301 | depth 9.93 ft · 2012-04-16 | 48 km |
| USGS-484144116165801 | depth 14.6 ft · 2012-04-16 | 48 km |
| USGS-484158116171101 | depth 0.79 ft · 2012-04-16 | 49 km |
| USGS-475439116503401 | depth 409.3 ft · 2026-10-18 | 49 km |
| USGS-484206116172301 | depth 5.66 ft · 2012-04-16 | 49 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$919.7 m in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,088, highly concentrated. $450.9 m federal obligations in FY2026 (direct payments $402.3 m, contracts $40.9 m), $28,272 per covered job
| Item | Value | Distance |
|---|---|---|
| Columbia Bank | $254.6 m · 27.7% share · 3 offices | |
| Glacier Bank | $232.5 m · 25.3% share · 2 offices | |
| Wells Fargo Bank, National Association | $194.1 m · 21.1% share · 1 office | |
| Bonner, ID | $450.9 m FY2026 · $28,272/job | |
| MULTIPLE RECIPIENTS | $399.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Columbia Bank | $254,619,000 | 27.7% | 3 |
| Glacier Bank | $232,451,000 | 25.3% | 2 |
| Wells Fargo Bank, National Association | $194,143,000 | 21.1% | 1 |
| U.S. Bank National Association | $104,483,000 | 11.4% | 1 |
| Washington Trust Bank | $76,664,000 | 8.3% | 1 |
| WaFd Bank | $57,330,000 | 6.2% | 1 |
Deposit concentration is 2,088 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 27.7² + 25.3² + 21.1² + … (3 more) = 2,088
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 | $348,960,422 |
| Department of Veterans Affairs | $48,472,278 |
| Department of Defense | $25,505,425 |
| Department of Agriculture | $10,502,081 |
| Department of Transportation | $7,654,090 |
| Department of Health and Human Services | $4,497,347 |
| Railroad Retirement Board | $3,355,652 |
| Federal Communications Commission | $1,838,020 |
| Department of Housing and Urban Development | $72,147 |
| General Services Administration | $20,710 |
| Department of Education | $20,317 |
| Department of Justice | $13,200 |
That is $28,272 per covered job, against 15,947 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $450.9 m / 15,947 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,272
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 #
Bonner County, ID: 14 findings, 5 at a watch level and 9 noted
watchBonner County, ID's years of wages of 12.3 ranks 36th 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 = 98.8569562377531 >= 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
watchBonner County, ID's price-to-rent ratio of 27.7 ranks 38th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 97.27339719970523 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchBonner County, ID's price-to-rent ratio is 27.7, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 27.745066782653186 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchBonner County, ID's years of wages is 12.3, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 12.286720587075692 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchBonner County, ID's typical asking rent is -1.7% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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.momPct = -1.7314974804846779 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, 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.