Douglas County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.46, -91.89.
Assembled 2026-10-20. Read the brief.
- 60th pct · 1,218th of 3,063 US counties · median $230,451
- 28th pct · 52nd of 72 Wisconsin counties · median $298,510
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
- 73rd pct · 803rd of 3,062 US counties · median +2.9%
- 29th pct · 51st of 72 Wisconsin counties · median +6.0%
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
- 16th pct · 1,134th of 1,358 US counties · median $1,506
- 29th pct · 27th of 38 Wisconsin counties · median $1,275
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
- 65th pct · 1,114th of 3,221 US counties · median 8,232
- 50th pct · 36th of 72 Wisconsin counties · median 15,405
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
- 61st pct · 1,244th of 3,221 US counties · median $1,039
- 66th pct · 25th of 72 Wisconsin counties · median $1,037
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
- 57th pct · 1,298th of 3,063 US counties · median 4.2
- 22nd pct · 56th of 72 Wisconsin counties · median 5.4
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth 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 $261,006 (Sep 2026), +5.0% over one year, +27.6% over five
- 60th pct · 1,218th of 3,063 US counties · median $230,451
- 28th pct · 52nd of 72 Wisconsin counties · median $298,510
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Douglas County, WI | $261,006 · +5.0% 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 $1,126/mo (Sep 2026), +15.6% over one year; price-to-rent 19.3
- 16th pct · 1,134th of 1,358 US counties · median $1,506
- 29th pct · 27th of 38 Wisconsin counties · median $1,275
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Douglas County, WI | $1,126/mo · +15.6% 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 $1,446 a month on $261,006 at 7.40%, against an average weekly wage worth $4,745 a month: 30.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $261,006 × 80% = $208,805, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,446/mo principal and interest
- wage share = payment / (avg weekly wage $1,095 × 52 / 12 = $4,745) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $261,006 / ($1,095 × 52) = 4.6
- price-to-rent = $261,006 / ($1,126 × 12) = 19.3
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 #
15,473 jobs at 1,255 employers (2026 Q1); -1.3% jobs and +3.6% average weekly wage over the year
- 65th pct · 1,114th of 3,221 US counties · median 8,232
- 50th pct · 36th of 72 Wisconsin counties · median 15,405
- counties in the Duluth metro: Rank context is unavailable: the manifest lists 3 counties in the Duluth metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Douglas County, WI | 15,473 jobs · $1,095/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 2,111 | $369 | 1.52 | -4.2% |
| Manufacturing | 1,977 | $1,806 | 1.59 | +3.6% |
| Retail trade | 1,971 | $709 | 1.31 | -2.8% |
| Health care and social assistance | 1,776 | $907 | 0.76 | -2.3% |
| Transportation and warehousing | 1,269 | $1,645 | 1.95 | -2.6% |
| Construction | 650 | $1,713 | 0.80 | -8.7% |
| Wholesale trade | 580 | $1,411 | 0.98 | +4.1% |
| Other services | 553 | $596 | 1.20 | +2.6% |
| Finance and insurance | 409 | $1,583 | 0.65 | +3.5% |
| Professional and technical services | 349 | $1,326 | 0.33 | -1.4% |
| Arts, entertainment and recreation | 221 | $569 | 0.87 | +4.2% |
| Real estate and rental | 173 | $757 | 0.73 | +7.5% |
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 #
D4 exceptional 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 #
severe (1.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 / 0.35
Banks & federal dollars #
$1.1 bn in deposits at 10 offices of 6 banks (SOD June 2026); HHI 6,047, highly concentrated. $355.8 m federal obligations in FY2026 (direct payments $311.7 m, grants $31.2 m), $22,997 per covered job
| Item | Value | Distance |
|---|---|---|
| National Bank of Commerce | $817.5 m · 76.7% share · 4 offices | |
| BMO Bank National Association | $96.3 m · 9.0% share · 1 office | |
| Superior Savings Bank | $81.4 m · 7.6% share · 1 office | |
| Douglas, WI | $355.8 m FY2026 · $22,997/job | |
| MULTIPLE RECIPIENTS | $299.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| National Bank of Commerce | $817,546,000 | 76.7% | 4 |
| BMO Bank National Association | $96,327,000 | 9.0% | 1 |
| Superior Savings Bank | $81,446,000 | 7.6% | 1 |
| Chippewa Valley Bank | $48,428,000 | 4.5% | 2 |
| Frandsen Bank & Trust | $11,079,000 | 1.0% | 1 |
| Security State Bank | $10,956,000 | 1.0% | 1 |
Deposit concentration is 6,047 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 = 76.7² + 9.0² + 7.6² + … (3 more) = 6,047
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 | $238,913,618 |
| Department of Veterans Affairs | $38,728,565 |
| Department of Transportation | $23,087,269 |
| Railroad Retirement Board | $21,946,424 |
| Environmental Protection Agency | $10,240,300 |
| Department of Housing and Urban Development | $9,117,690 |
| Department of Health and Human Services | $5,648,007 |
| Department of Education | $4,931,010 |
| Department of Homeland Security | $2,036,895 |
| Department of Defense | $589,257 |
| Department of Agriculture | $447,950 |
| Federal Communications Commission | $137,163 |
That is $22,997 per covered job, against 15,473 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $355.8 m / 15,473 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,997
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 | 2026-10-20 | +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 #
Douglas County, WI: 13 findings, 6 at a watch level and 7 noted
watchDouglas County, WI's typical asking rent is +15.6% 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 = 15.642173461191955 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchDouglas County, WI's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDouglas County, WI's price-to-rent ratio of 19.3 scores 70 on the 0-to-100 scale across US counties but 24 across Wisconsin counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |70 across US counties - 24 across Wisconsin counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchDouglas County, WI's typical home value of +5.0% scores 74 on the 0-to-100 scale across US counties but 30 across Wisconsin counties, a gap of 44 points.
Period 2026-09.Show the arithmetic
- 44 = |74 across US counties - 30 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
watchDouglas County, WI's years of wages of 4.6 scores 58 on the 0-to-100 scale across US counties but 23 across Wisconsin counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |58 across US counties - 23 across Wisconsin counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; 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.