Madison County, ID
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.79, -111.66.
Assembled 2026-10-19. Read the brief.
- 88th pct · 344th of 3,063 US counties · median $230,451
- 64th pct · 16th of 43 Idaho counties · median $394,611
- 76th pct · 711th of 3,062 US counties · median +2.9%
- 87th pct · 6th of 42 Idaho counties · median +3.2%
- 19th pct · 1,092nd of 1,358 US counties · median $1,506
- 10th pct · 19th of 21 Idaho counties · median $1,555
- 68th pct · 1,017th of 3,221 US counties · median 8,232
- 83rd pct · 8th of 44 Idaho counties · median 4,800
- 8th pct · 2,941st of 3,221 US counties · median $1,039
- 4th pct · 42nd of 44 Idaho counties · median $1,026
- 97th pct · 88th of 3,063 US counties · median 4.2
- 78th pct · 10th 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 $423,156 (Sep 2026), +5.3% over one year, +18.6% over five
- 88th pct · 344th of 3,063 US counties · median $230,451
- 64th pct · 16th of 43 Idaho counties · median $394,611
| Item | Value | Distance |
|---|---|---|
| Madison County, ID | $423,156 · +5.3% 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 $1,173/mo (Sep 2026), +0.9% over one year; price-to-rent 30.1
- 19th pct · 1,092nd of 1,358 US counties · median $1,506
- 10th pct · 19th of 21 Idaho counties · median $1,555
| Item | Value | Distance |
|---|---|---|
| Madison County, ID | $1,173/mo · +0.9% 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 $2,344 a month on $423,156 at 7.40%, against an average weekly wage worth $3,579 a month: 65.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $423,156 × 80% = $338,525, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,344/mo principal and interest
- wage share = payment / (avg weekly wage $826 × 52 / 12 = $3,579) = 65% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $423,156 / ($826 × 52) = 9.9
- price-to-rent = $423,156 / ($1,173 × 12) = 30.1
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 #
17,522 jobs at 1,716 employers (2026 Q1); -0.6% jobs and +3.2% average weekly wage over the year
- 68th pct · 1,017th of 3,221 US counties · median 8,232
- 83rd pct · 8th of 44 Idaho counties · median 4,800
| Item | Value | Distance |
|---|---|---|
| Madison County, ID | 17,522 jobs · $826/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Educational services | 2,328 | $1,282 | 6.18 | -1.9% |
| Retail trade | 2,040 | $676 | 1.19 | +1.4% |
| Accommodation and food services | 1,818 | $286 | 1.15 | -4.2% |
| Health care and social assistance | 1,778 | $634 | 0.67 | +6.0% |
| Administrative and waste services | 1,200 | $634 | 1.20 | -3.8% |
| Manufacturing | 984 | $823 | 0.70 | +3.3% |
| Construction | 850 | $918 | 0.93 | +14.9% |
| Professional and technical services | 780 | $1,357 | 0.65 | -11.2% |
| Wholesale trade | 539 | $1,062 | 0.80 | -2.9% |
| Other services | 499 | $514 | 0.95 | -3.1% |
| Real estate and rental | 485 | $747 | 1.81 | +4.3% |
| Finance and insurance | 353 | $1,247 | 0.49 | -2.5% |
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 #
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 #
$642.6 m in deposits at 9 offices of 8 banks (SOD June 2026); HHI 2,302, highly concentrated. $191.9 m federal obligations in FY2026 (direct payments $174.2 m, grants $15.2 m), $10,952 per covered job
| Item | Value | Distance |
|---|---|---|
| The Bank of Commerce | $257.1 m · 40.0% share · 2 offices | |
| Wells Fargo Bank, National Association | $118.5 m · 18.4% share · 1 office | |
| Zions Bancorporation, N.A. | $84.0 m · 13.1% share · 1 office | |
| Madison, ID | $191.9 m FY2026 · $10,952/job | |
| MULTIPLE RECIPIENTS | $98.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Bank of Commerce | $257,059,000 | 40.0% | 2 |
| Wells Fargo Bank, National Association | $118,477,000 | 18.4% | 1 |
| Zions Bancorporation, N.A. | $84,036,000 | 13.1% | 1 |
| U.S. Bank National Association | $58,837,000 | 9.2% | 1 |
| KeyBank National Association | $45,803,000 | 7.1% | 1 |
| Glacier Bank | $35,931,000 | 5.6% | 1 |
| D. L. Evans Bank | $28,992,000 | 4.5% | 1 |
| WaFd Bank | $13,513,000 | 2.1% | 1 |
Deposit concentration is 2,302 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 40.0² + 18.4² + 13.1² + … (5 more) = 2,302
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 | $87,108,132 |
| Department of Education | $73,558,693 |
| Department of Transportation | $15,162,735 |
| Department of Veterans Affairs | $11,193,774 |
| Department of Agriculture | $4,155,061 |
| Department of Health and Human Services | $426,088 |
| Department of the Interior | $199,140 |
| Railroad Retirement Board | $60,631 |
| Department of Housing and Urban Development | $32,472 |
| Small Business Administration | $0 |
That is $10,952 per covered job, against 17,522 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $191.9 m / 17,522 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,952
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 #
Madison County, ID: 14 findings, 4 at a watch level and 10 noted
watchMadison County, ID's price-to-rent ratio of 30.1 ranks 21st 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 = 98.52616064848931 >= 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
watchMadison County, ID's years of wages of 9.9 ranks 88th 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 = 97.15871979098628 >= 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
watchMadison County, ID's price-to-rent ratio is 30.1, 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 = 30.073028282197228 >= 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
watchMadison County, ID's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMadison County, ID's average weekly wage was 3.2% 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
- +3.2 % = 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
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.