Composite
58.8 / 100 percentile
Screener / 245212
B
Essentia Health Oak Crossing
snfMN
1040 LINCOLN AVENUE, DETROIT LAKES, MN 56501 · CCN 245212 · chain ESSENTIA HEALTH
Peer group
snf n = 14,684
Evidence depth
deep
Certified beds
94
Model
v1.2
Reads as: riskier than 58.8% of the 14,684 facilities in the snf peer group. percentile within peer group, 100 = highest risk. Grade bands are fixed percentile cuts (F is the top 5% of peer risk), so a grade is a position, not an absolute level.
Score model4Components10CHOW radar1Distress radar1Staffing15Penalties1Deficiencies11Licensure0Ownership37Related party0Transactions0Comps12Market rent36
Composite explanation
4| Component | Percentile | Raw | Weight | Weight share | Contribution | Counts |
|---|---|---|---|---|---|---|
| billing conduct | 93.2 | 63.2 | 0.30 | 0.3000 | 27.96 | in index |
| regulatory risk | 59.9 | 51.1 | 0.30 | 0.3000 | 17.97 | in index |
| chow risk | 25.2 | 25.0 | 0.15 | 0.1500 | 3.78 | in index |
| staffing risk | 7.5 | 7.6 | 0.25 | 0.2500 | 1.88 | in index |
weighted_contribution sums to pre_rank_index over rows where counts_toward_index is true. The composite is the facility's percentile position of that index within its peer group, so contributions explain the input, and the rank explains the score.
Component scores and registry models
10| Score type | Score | Grade | Model | Status | Registry model notes |
|---|---|---|---|---|---|
| billing conduct | 63.2 | C | v0.1-pacpuf-snf | default · in composite | R22. PAC PUF SNF 2023. PDPM coding intensity vs acuity, stay length, charge markup. |
| chow risk | 25.0 | B | v0.1-pos | default · in composite | Change-of-ownership footprint in the CMS Provider of Services file: control-family, legal-name and address deltas across quarterly snapshots, plus certification reset recency and Medicare tenure. |
| p adverse action 12m | 0.8 | — | v0.1 | default · in composite | R23/W4-3. Deterministic logistic p(Medicare termination within 12m), SNF only. Label = first POS termination date (any code: voluntary closure, involuntary termination, merger exit); facilities already terminated by the panel date are excluded, not counted as safe. Trained on panels 2024-07/2024-10/2025-01 (n=46,466, 283 positives), evaluated on the held-out later panel 2025-04 BEFORE shipping: AUC 0.971, top-decile lift 9.5x, top-decile capture 95.4% of the 65 terminations that followed. Separability is high because closures announce themselves in the data: collapsing occupancy is the strongest signal, and the learned NEGATIVE weight on 12m deficiency counts is the surveys-stop signature of a facility winding down, not a claim that clean inspections are dangerous. Same 15 as-of-date features and anti-leakage chassis as p_chow_12m; SFF entry rejected as a label (only one month of SFF history exists, so as-of transitions cannot be reconstructed). Score = probability x 100; grade NULL. Not in any composite. |
| p chow 12m | 0.5 | — | v0.1 | default · in composite | R22/W4-2. Deterministic logistic p(CHOW within 12m), SNF only. Trained on panels 2024-07/2024-10/2025-01 (n=50,700, 1,207 positives), evaluated on the held-out later panel 2025-04 BEFORE shipping: AUC 0.874, top-decile lift 5.0x (top 10% of predictions captured 49.6% of the CHOWs that actually closed in the next 12 months). Shipped coefficients are the evaluated ones; no post-holdout refit. Caveat: holdout positives (133) run below the training base rate because recent CHOWs surface in public records with a lag, so measured lift is conservative. Features are as-of-date public records: PBJ staffing level/trend/contract share (quarterly history to 2022Q1), deficiency and CMP counts (12m), ownership tenure and churn from CHOW-evidenced transactions, beds, occupancy, ownership type, chain size. Chain membership and ownership type are current-state (history not published). SFF and star ratings deliberately excluded (no as-of history). Notable learned direction: long ownership tenure RAISES sale odds and a recent prior CHOW lowers them. Score = probability x 100; grade is NULL because a probability is not a quality letter. Not in any composite. |
| regulatory risk | 51.1 | C | v0.3 | default · in composite | Deficiency-based, SNF population. Runs alongside v0.5-pos. |
| staffing risk | 7.6 | A | v0.3 | default · in composite | Cost-report staffing, SNF population. Runs alongside v0.4-pos, which covers ICF/IID from POS. |
| regulatory risk | 50.9 | C | v0.1 | superseded | Pre-registry model iteration, superseded by a later regulatory_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| regulatory risk | 50.9 | C | v0.2 | superseded | Pre-registry model iteration, superseded by a later regulatory_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| staffing risk | 7.6 | A | v0.1 | superseded | Pre-registry model iteration, superseded by a later staffing_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| staffing risk | 7.6 | A | v0.2 | superseded | Pre-registry model iteration, superseded by a later staffing_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
Rows with counts_toward_composite false come from models that are addressable or retracted rather than default. They exist and may be informative, but they did not enter the published composite and must not be summed as though they had.
CHOW radar — 12-month sale probability
full board →p(CHOW, 12m)
0.4%
model v0.1 · computed 2026-07-29
Percentile among SNFs
52.0
100 = most likely to sell
Holdout AUC
0.874
evaluated before shipping, never refit
| Driver | Value | Pull on odds | |
|---|---|---|---|
| For-profit ownership | 0.00 | -1.24 | |
| Never sold on record | 1.00 | +0.62 | |
| Current owner tenure (years) | 25.00 | +0.57 | |
| No PBJ staffing report | 0.00 | +0.42 | |
| Total nurse staffing (HPRD) | 4.55 | -0.30 | |
| Ownership changes, last 5 years | 0.00 | +0.20 | |
| Occupancy | 0.75 | -0.16 | |
| Deficiencies, last 12 months | 1.00 | -0.15 |
p_adverse_action_12m: probability the facility's Medicare participation terminates within 12 months (any POS termination code; already-terminated facilities are excluded, not scored safe). Deterministic logistic over as-of-date public records, SNF only. Holdout (2025-04 panel, evaluated before shipping): AUC 0.971, top-decile lift 9.5x. Closures announce themselves: collapsing occupancy dominates, and fewer recent surveys is a winding-down signature. inputs.features holds raw feature values, inputs.contributions each feature's standardized pull on the log-odds. Predictions never enter the composite. See /v1/models. | p_chow_12m: probability of a change of ownership within 12 months. Deterministic logistic over as-of-date public records, SNF only. Holdout (2025-04 panel, evaluated before shipping): AUC 0.874, top-decile lift 5.0x. inputs.features holds raw feature values, inputs.contributions each feature's standardized pull on the log-odds. Predictions never enter the composite. See /v1/models for full notes.
Distress radar — 12-month termination probability
full board →p(termination, 12m)
0.8%
model v0.1 · computed 2026-07-29
Percentile among SNFs
83.9
100 = most likely to lose certification
Holdout AUC
0.971
top decile caught 95% of actual exits
| Driver | Value | Pull on odds | |
|---|---|---|---|
| For-profit ownership | 0.00 | +1.62 | |
| Deficiencies, last 12 months | 1.00 | +1.24 | |
| Total nurse staffing (HPRD) | 4.55 | -0.56 | |
| No PBJ staffing report | 0.00 | +0.39 | |
| Chain size (log) | 2.40 | -0.19 | |
| Fine amount, 12m (log) | 0.00 | +0.18 | |
| Never sold on record | 1.00 | +0.12 | |
| Current owner tenure (years) | 25.00 | +0.11 |
Probability the facility's Medicare participation ends within 12 months, from public records only. Red bars raise exit odds. A negative pull from deficiencies is the winding-down signature — surveys stop as a facility empties — not evidence that clean inspections are dangerous.
Staffing vs peers
15| 2025Q4 HPRD | This facility | MN median | National median | National p25–p75 |
|---|---|---|---|---|
| Total nurse | 4.55 | 3.49 | 3.28 | 2.90–3.77 |
| RN | 0.83 | 0.65 | 0.39 | 0.25–0.58 |
| Weekend total | 4.45 | 3.32 | 3.11 | — |
| Weekday total | 4.59 | 3.59 | 3.35 | — |
| Quarter | Days | Avg census | Total HPRD | RN | LPN | CNA | Weekend | Contract % |
|---|---|---|---|---|---|---|---|---|
| 2025Q4 | 92 | 70.8 | 4.55 | 0.83 | 0.36 | 3.36 | 4.45 | 2.1% |
| 2025Q3 | 92 | 69.7 | 4.82 | 0.92 | 0.31 | 3.58 | 4.51 | 2.2% |
| 2025Q2 | 91 | 70.4 | 4.67 | 0.91 | 0.33 | 3.43 | 4.47 | 2.9% |
| 2025Q1 | 90 | 70.3 | 4.47 | 0.88 | 0.34 | 3.25 | 4.37 | 3.4% |
| 2024Q4 | 92 | 70.2 | 4.50 | 0.87 | 0.35 | 3.28 | 4.34 | 2.3% |
| 2024Q3 | 92 | 71.5 | 4.39 | 0.83 | 0.33 | 3.23 | 4.17 | 0.5% |
| 2024Q2 | 91 | 70.1 | 4.34 | 0.69 | 0.46 | 3.18 | 4.22 | 2.8% |
| 2024Q1 | 91 | 69.4 | 4.17 | 0.62 | 0.51 | 3.04 | 4.16 | 0.0% |
| 2023Q4 | 92 | 70.2 | 3.98 | 0.65 | 0.50 | 2.82 | 3.96 | 0.0% |
| 2023Q3 | 92 | 71.1 | 4.51 | 0.67 | 0.57 | 3.26 | 4.35 | 0.0% |
| 2023Q2 | 91 | 71.3 | 4.52 | 0.49 | 0.71 | 3.31 | 4.56 | 0.0% |
| 2023Q1 | 90 | 71.0 | 4.53 | 0.52 | 0.73 | 3.27 | 4.55 | 0.2% |
| 2022Q3 | 92 | 71.1 | 4.58 | 0.58 | 0.67 | 3.33 | 4.36 | 1.4% |
| 2022Q2 | 91 | 69.2 | 4.43 | 0.58 | 0.66 | 3.20 | 4.32 | 1.7% |
| 2022Q1 | 90 | 63.3 | 4.83 | 0.98 | 0.72 | 3.13 | 4.46 | 1.2% |
HPRD is census-weighted: total hours over the quarter divided by total resident-days, not an average of daily ratios. Source is CMS Payroll-Based Journal daily records; only SNFs report PBJ, so other settings legitimately return zero rows.
Penalties
1| Date | Type | Fine | Source |
|---|---|---|---|
| 2023-11-22 | Fine | $7,446 | CMS provider data |
Total fines on record: $7,446
Deficiencies
11D × 9F × 1J × 1
deficiencies by survey year
| Survey | Type | Tag | Deficiency | Scope | Corrected |
|---|---|---|---|---|---|
| 2025-12-03 | Health | F0684 | Provide appropriate treatment and care according to orders, resident’s preferences and goals. | D | 2026-01-05 |
| 2025-07-11 | Health · complaint | F0880 | Provide and implement an infection prevention and control program. | D | 2025-08-25 |
| 2024-10-23 | Health | F0578 | Honor the resident's right to request, refuse, and/or discontinue treatment, to participate in or refuse to participate in experimental research, and to formulate an advance directive. | D | 2024-11-26 |
| 2024-10-23 | Health | F0686 | Provide appropriate pressure ulcer care and prevent new ulcers from developing. | D | 2024-11-26 |
| 2024-10-23 | Health | F0689 | Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. | D | 2024-11-26 |
| 2024-10-23 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | F | 2024-11-26 |
| 2023-12-13 | Health | F0554 | Allow residents to self-administer drugs if determined clinically appropriate. | D | 2024-01-19 |
| 2023-12-13 | Health · complaint | F0677 | Provide care and assistance to perform activities of daily living for any resident who is unable. | D | 2024-01-20 |
| 2023-12-13 | Health | F0880 | Provide and implement an infection prevention and control program. | D | 2024-01-19 |
| 2023-12-13 | Health | F0883 | Develop and implement policies and procedures for flu and pneumonia vaccinations. | D | 2024-01-19 |
| 2023-11-22 | Health · complaint | F0689 | Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. | J | 2023-11-11 |
scope_severity uses the CMS letter grid: A is least serious, L most. J, K and L are immediate jeopardy. Rows are the surveyor's findings of record, not the model's opinion.
Licensure actions
0No licensure actions on record for this facility. Absence of a record here means the sources CII ingests contain none, not that none exists anywhere.
Ownership
37| Owner | Role | Pct | From | Status | Source |
|---|---|---|---|---|---|
| ESSENTIA HEALTH | 5% OR GREATER DIRECT OWNERSHIP INTEREST | 100% | 2023-07-01 | current | pecos_ownership |
| ADAMS, MARC | CORPORATE DIRECTOR | — | 2026-01-01 | current | pecos_ownership |
| ARVIN, DOUGLAS | OPERATIONAL/MANAGERIAL CONTROL | — | 2023-05-18 | current | pecos_ownership |
| BOREN, KEVIN | CORPORATE OFFICER | — | 2025-09-29 | current | pecos_ownership |
| BRINKMAN, CHRISTY | ADP OF THE SNF | — | 2026-03-20 | current | pecos_ownership |
| BRINKMAN, CHRISTY | OPERATIONAL/MANAGERIAL CONTROL | — | 2019-04-19 | current | pecos_ownership |
| CHRISTENSEN, JAMES | CORPORATE DIRECTOR | — | 2020-01-01 | current | pecos_ownership |
| ESSENTIA HEALTH | ADP OF THE SNF | — | 2025-01-29 | current | pecos_ownership |
| GEFROH ELLISON, STEFANIE | CORPORATE OFFICER | — | 2024-08-12 | current | pecos_ownership |
| GUPTA, PARUL | CORPORATE DIRECTOR | — | 2024-01-01 | current | pecos_ownership |
| HEILMAN, TIM | CORPORATE DIRECTOR | — | 2020-01-01 | current | pecos_ownership |
| HURLEY, ALAN | OPERATIONAL/MANAGERIAL CONTROL | — | 2023-05-18 | current | pecos_ownership |
| INNOVIS HEALTH LLC | ADP OF THE SNF | — | 2025-01-29 | current | pecos_ownership |
| INNOVIS HEALTH LLC | OPERATIONAL/MANAGERIAL CONTROL | — | 2017-01-01 | current | pecos_ownership |
| KREJCI, MARK | CORPORATE DIRECTOR | — | 2026-01-01 | current | pecos_ownership |
| LEWANDOWSKI, LAURIE | CORPORATE DIRECTOR | — | 2017-01-01 | current | pecos_ownership |
| MERTZ, TAYLOR | CORPORATE DIRECTOR | — | 2022-05-17 | current | pecos_ownership |
| PLADSON, KIMBERLY | CORPORATE OFFICER | — | 2025-01-01 | current | pecos_ownership |
| SAINT GEORGES, ANDERSON | CORPORATE OFFICER | — | 2025-01-01 | current | pecos_ownership |
| SMITH, BENJAMIN | CORPORATE DIRECTOR | — | 2022-05-17 | current | pecos_ownership |
| WATTERS, MICHAEL | CORPORATE OFFICER | — | 2023-07-01 | current | pecos_ownership |
| JAMES CHRISTENSEN | CORPORATE DIRECTOR | 0% | 2020-01-01 | ended 2026-05-18 | pecos_ownership |
| TIM HEILMAN | CORPORATE DIRECTOR | 0% | 2020-01-01 | ended 2026-05-18 | pecos_ownership |
| ALAN HURLEY | CORPORATE OFFICER | — | 2023-05-18 | ended 2026-05-18 | pecos_ownership |
| ANDERSON SAINT GEORGES | CORPORATE OFFICER | — | 2025-01-01 | ended 2026-05-18 | pecos_ownership |
| BENJAMIN SMITH | CORPORATE DIRECTOR | — | 2022-05-17 | ended 2026-05-18 | pecos_ownership |
| CHRISTY BRINKMAN | OPERATIONAL/MANAGERIAL CONTROL | — | 2019-04-19 | ended 2026-05-18 | pecos_ownership |
| CHRISTY BRINKMAN | ADP OF THE SNF | — | 2026-03-20 | ended 2026-05-18 | pecos_ownership |
| DOUGLAS ARVIN | OPERATIONAL/MANAGERIAL CONTROL | — | 2023-05-18 | ended 2026-05-18 | pecos_ownership |
| KIMBERLY PLADSON | CORPORATE OFFICER | — | 2025-01-01 | ended 2026-05-18 | pecos_ownership |
| LAURIE LEWANDOWSKI | CORPORATE DIRECTOR | — | 2017-01-01 | ended 2026-05-18 | pecos_ownership |
| MARC ADAMS | CORPORATE DIRECTOR | — | 2026-01-01 | ended 2026-05-18 | pecos_ownership |
| MARK KREJCI | CORPORATE DIRECTOR | — | 2026-01-01 | ended 2026-05-18 | pecos_ownership |
| MICHAEL WATTERS | CORPORATE OFFICER | — | 2023-07-01 | ended 2026-05-18 | pecos_ownership |
| PARUL GUPTA | OPERATIONAL/MANAGERIAL CONTROL | — | 2024-01-01 | ended 2026-05-18 | pecos_ownership |
| STEFANIE GEFROH ELLISON | CORPORATE OFFICER | — | 2024-08-12 | ended 2026-05-18 | pecos_ownership |
| TAYLOR MERTZ | CORPORATE DIRECTOR | — | 2022-05-17 | ended 2026-05-18 | pecos_ownership |
PECOS ownership and managing-control associations. Current edges have no end date in the source; historical edges are retained.
Transactions
0No transactions on record for this facility. Absence of a record here means the sources CII ingests contain none, not that none exists anywhere.
Comparable trades — MN snf
12| Close | Facility | Price | $/bed | Cap rate | Beds | Buyer |
|---|---|---|---|---|---|---|
| 2025-07-22 | CURA OF ONAMIA | — | — | — | 57 | CURA OF ONAMIA LLC |
| 2024-12-01 | SHAKOPEE FRIENDSHIP MANOR | — | — | — | 60 | SHAKOPEE CARE LLC |
| 2024-12-01 | EDENBROOK ROCHESTER WEST | — | — | — | 48 | EDENBROOK ROCHESTER WEST LLC |
| 2024-10-29 | Cura of Sauk Centre | — | — | — | 60 | CURA OF SAUK CENTRE LLC |
| 2024-10-15 | Heartwood | — | — | — | 54 | CROSBY SENIOR SERVICES CARE CENTER |
| 2024-02-13 | Cura of Monticello | — | — | — | 67 | CURA OF MONTICELLO LLC |
| 2023-12-31 | MAPLEWOOD REHABILITATION CENTER | — | — | — | 115 | MAPLEWOOD REHABILITATION CENTER LLC |
| 2023-12-31 | SLEEPY EYE REHABILITATI CENTER | — | — | — | 61 | SLEEPY EYE REHABILITATION CENTER LLC |
| 2023-12-15 | ST BENEDICTS CARE CENTER | — | — | — | 75 | ECUMEN SBC ST CLOUD PROPERTIES LLC |
| 2023-12-01 | Frazee Care Center | — | — | — | 42 | LEGACY SENIOR SERVICES |
| 2023-06-05 | CURA OF LE SUEUR | — | — | — | 50 | CURA OF LE SUEUR LLC |
| 2023-05-01 | LAKEHOUSE HEALTHCARE & REHABILITATION CENTER | — | — | — | 260 | LAKE HARRIET OPERATOR LLC |
Most recent same-state, same-setting trades. Most CHOW-derived trades carry no disclosed consideration, so price, $/bed, and cap rate show only where a sale price was resolved from a deed or filing — blanks are honest, not missing data.
Market rent context
36| Geo | Kind | BR | Amount | As of | Source |
|---|---|---|---|---|---|
| county 27005 | acs median gross | 0 | $568 | 2024-12-31 | CENSUS_ACS5 |
| county 27005 | fmr | 0 | $708 | 2025-10-01 | HUD_USER_FMR |
| county 27005 | acs median gross | 1 | $616 | 2024-12-31 | CENSUS_ACS5 |
| county 27005 | fmr | 1 | $783 | 2025-10-01 | HUD_USER_FMR |
| county 27005 | acs median gross | 2 | $962 | 2024-12-31 | CENSUS_ACS5 |
| county 27005 | fmr | 2 | $1,027 | 2025-10-01 | HUD_USER_FMR |
| county 27005 | acs median gross | 3 | $1,095 | 2024-12-31 | CENSUS_ACS5 |
| county 27005 | fmr | 3 | $1,341 | 2025-10-01 | HUD_USER_FMR |
| county 27005 | acs median gross | 4 | $1,280 | 2024-12-31 | CENSUS_ACS5 |
| county 27005 | fmr | 4 | $1,474 | 2025-10-01 | HUD_USER_FMR |
| county 27005 | acs median gross | 5 | $945 | 2024-12-31 | CENSUS_ACS5 |
| county 27005 | acs median gross | $920 | 2024-12-31 | CENSUS_ACS5 | |
| county 27005 | acs recent mover gross | $993 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 56501 | acs median gross | 0 | $372 | 2024-12-31 | CENSUS_ACS5 |
| zcta 56501 | acs median gross | 1 | $619 | 2024-12-31 | CENSUS_ACS5 |
| zcta 56501 | acs median gross | 2 | $986 | 2024-12-31 | CENSUS_ACS5 |
| zcta 56501 | acs median gross | 3 | $1,221 | 2024-12-31 | CENSUS_ACS5 |
| zcta 56501 | acs median gross | 4 | $1,381 | 2024-12-31 | CENSUS_ACS5 |
| zcta 56501 | acs median gross | 5 | $950 | 2024-12-31 | CENSUS_ACS5 |
| zcta 56501 | acs median gross | $963 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 56501 | acs recent mover gross | $1,000 | 2024-12-31 | CENSUS_ACS5 | |
| zip 56501 | payment standard 110 | 0 | $814 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 90 | 0 | $666 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | safmr | 0 | $740 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 110 | 1 | $902 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 90 | 1 | $738 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | safmr | 1 | $820 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 110 | 2 | $1,177 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 90 | 2 | $963 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | safmr | 2 | $1,070 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 110 | 3 | $1,540 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 90 | 3 | $1,260 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | safmr | 3 | $1,400 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 110 | 4 | $1,694 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | payment standard 90 | 4 | $1,386 | 2025-10-01 | HUD_USER_SAFMR |
| zip 56501 | safmr | 4 | $1,540 | 2025-10-01 | HUD_USER_SAFMR |
ACS median gross rents and HUD FMR/SAFMR for the facility's county and ZIP. Context for underwriting, not facility pricing.