Eau Claire County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.73, -91.29.
Assembled 2026-10-19. Read the brief.
- 74th pct · 768th of 3,063 US counties · median $230,451
- 69th pct · 23rd of 72 Wisconsin counties · median $298,510
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
- 50th pct · 1,518th of 3,062 US counties · median +2.9%
- 7th pct · 67th of 72 Wisconsin counties · median +6.0%
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
- 15th pct · 1,145th of 1,358 US counties · median $1,506
- 24th pct · 29th of 38 Wisconsin counties · median $1,275
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
- 85th pct · 464th of 3,221 US counties · median 8,232
- 83rd pct · 13th of 72 Wisconsin counties · median 15,405
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
- 80th pct · 626th of 3,221 US counties · median $1,039
- 85th pct · 11th of 72 Wisconsin counties · median $1,037
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
- 65th pct · 1,052nd of 3,063 US counties · median 4.2
- 38th pct · 45th of 72 Wisconsin counties · median 5.4
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire 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 $322,813 (Sep 2026), +2.9% over one year, +25.0% over five
- 74th pct · 768th of 3,063 US counties · median $230,451
- 69th pct · 23rd of 72 Wisconsin counties · median $298,510
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Eau Claire County, WI | $322,813 · +2.9% 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 #
Typical rent $1,117/mo (Sep 2026), +4.1% over one year; price-to-rent 24.1
- 15th pct · 1,145th of 1,358 US counties · median $1,506
- 24th pct · 29th of 38 Wisconsin counties · median $1,275
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Eau Claire County, WI | $1,117/mo · +4.1% 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 $1,788 a month on $322,813 at 7.40%, against an average weekly wage worth $5,395 a month: 33.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $322,813 × 80% = $258,251, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,788/mo principal and interest
- wage share = payment / (avg weekly wage $1,245 × 52 / 12 = $5,395) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $322,813 / ($1,245 × 52) = 5.0
- price-to-rent = $322,813 / ($1,117 × 12) = 24.1
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 #
57,281 jobs at 3,430 employers (2026 Q1); -1.8% jobs and +8.7% average weekly wage over the year
- 85th pct · 464th of 3,221 US counties · median 8,232
- 83rd pct · 13th of 72 Wisconsin counties · median 15,405
- counties in the Eau Claire metro: Rank context is unavailable: the manifest lists 2 counties in the Eau Claire metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Eau Claire County, WI | 57,281 jobs · $1,245/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 13,024 | $1,514 | 1.51 | -1.8% |
| Retail trade | 7,338 | $715 | 1.31 | -2.6% |
| Accommodation and food services | 5,820 | $409 | 1.13 | -0.9% |
| Manufacturing | 4,646 | $1,326 | 1.01 | -3.6% |
| Transportation and warehousing | 2,686 | $1,106 | 1.11 | -5.4% |
| Management of companies | 2,401 | $2,724 | 2.50 | -0.1% |
| Professional and technical services | 2,167 | $1,625 | 0.55 | -6.9% |
| Construction | 2,012 | $1,362 | 0.67 | +3.0% |
| Administrative and waste services | 1,868 | $858 | 0.57 | -3.4% |
| Other services | 1,740 | $767 | 1.02 | +2.3% |
| Finance and insurance | 1,647 | $2,195 | 0.71 | +3.8% |
| Arts, entertainment and recreation | 943 | $341 | 1.00 | +2.8% |
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 #
$2.4 bn in deposits at 24 offices of 16 banks (SOD June 2026); HHI 1,084, moderately concentrated. $637.0 m federal obligations in FY2026 (direct payments $609.7 m, grants $26.1 m), $11,121 per covered job
| Item | Value | Distance |
|---|---|---|
| Nicolet National Bank | $411.4 m · 17.1% share · 1 office | |
| CCFBank National Association | $378.0 m · 15.7% share · 2 offices | |
| Associated Bank, National Association | $335.4 m · 13.9% share · 2 offices | |
| Eau Claire, WI | $637.0 m FY2026 · $11,121/job | |
| MULTIPLE RECIPIENTS | $583.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Nicolet National Bank | $411,446,000 | 17.1% | 1 |
| CCFBank National Association | $377,980,000 | 15.7% | 2 |
| Associated Bank, National Association | $335,385,000 | 13.9% | 2 |
| Wells Fargo Bank, National Association | $265,665,000 | 11.0% | 2 |
| U.S. Bank National Association | $257,359,000 | 10.7% | 3 |
| Unity Bank | $118,218,000 | 4.9% | 2 |
| Northwestern Bank | $98,549,000 | 4.1% | 1 |
| Security Financial Bank | $97,294,000 | 4.0% | 1 |
| BMO Bank National Association | $96,747,000 | 4.0% | 2 |
| Merchants Bank, National Association | $95,124,000 | 4.0% | 1 |
Deposit concentration is 1,084 across 16 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 17.1² + 15.7² + 13.9² + … (13 more) = 1,084
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 | $515,288,014 |
| Department of Veterans Affairs | $50,793,048 |
| Department of Education | $19,022,877 |
| Department of Housing and Urban Development | $15,799,684 |
| Department of Transportation | $14,738,657 |
| Department of Health and Human Services | $13,885,686 |
| Railroad Retirement Board | $3,743,777 |
| Department of Agriculture | $3,063,218 |
| Department of Defense | $477,322 |
| General Services Administration | $401,850 |
| Federal Communications Commission | $172,048 |
| National Aeronautics and Space Administration | $80,250 |
That is $11,121 per covered job, against 57,281 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $637.0 m / 57,281 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,121
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 #
Eau Claire County, WI: 11 findings, 3 at a watch level and 8 noted
watchEau Claire County, WI's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchEau Claire County, WI's price-to-rent ratio of 24.1 ranks 125th 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 = 90.86219602063376 >= 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
watchEau Claire County, WI's typical home value of +2.9% scores 50 on the 0-to-100 scale across US counties but 7 across Wisconsin counties, a gap of 43 points.
Period 2026-09.Show the arithmetic
- 43 = |50 across US counties - 7 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
noteEau Claire County, WI's average weekly wage was 8.7% 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
- +8.7 % = 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
noteEau Claire County, WI's typical asking rent rose 2.0% from $1,095 in August 2026 to $1,117 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +2.0% = (1117.2788807616394 - 1095.4596234854325) / 1095.4596234854325 × 100
- 1117.2788807616394 = Zillow ZORI, 2026-09
- 1095.4596234854325 = Zillow ZORI, 2026-08
Read all 11 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.