Wayne County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.74, -93.33.
Assembled 2026-10-06. Read the brief.
- 14th pct · 2,613th of 3,063 US counties · median $234,566
- 8th pct · 91st of 99 Iowa counties · median $194,976
- 82nd pct · 548th of 3,063 US counties · median +2.9%
- 74th pct · 26th of 99 Iowa counties · median +4.6%
- US counties: not published this period
- Iowa counties: not published this period
- 16th pct · 2,698th of 3,221 US counties · median 8,232
- 5th pct · 94th of 99 Iowa counties · median 5,685
- 44th pct · 1,791st of 3,221 US counties · median $1,039
- 28th pct · 71st of 99 Iowa counties · median $1,057
- 15th pct · 2,596th of 3,063 US counties · median 4.3
- 13th pct · 86th of 99 Iowa counties · median 3.5
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 $146,510 (Aug 2026), +6.3% over one year, +34.2% over five
- 14th pct · 2,613th of 3,063 US counties · median $234,566
- 8th pct · 91st of 99 Iowa counties · median $194,976
| Item | Value | Distance |
|---|---|---|
| Wayne County, IA | $146,510 · +6.3% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Iowa counties: not published this period
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 $802 a month on $146,510 at 7.28%, against an average weekly wage worth $4,398 a month: 18.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $146,510 × 80% = $117,208, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $802/mo principal and interest
- wage share = payment / (avg weekly wage $1,015 × 52 / 12 = $4,398) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $146,510 / ($1,015 × 52) = 2.8
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 #
1,996 jobs at 171 employers (2026 Q1); -2.3% jobs and +1.9% average weekly wage over the year
- 16th pct · 2,698th of 3,221 US counties · median 8,232
- 5th pct · 94th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Wayne County, IA | 1,996 jobs · $1,015/wk · -2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 571 | $1,253 | 3.56 | -5.9% |
| Retail trade | 168 | $593 | 0.86 | +7.7% |
| Health care and social assistance | 143 | $764 | 0.48 | -5.9% |
| Wholesale trade | 99 | $1,054 | 1.29 | -10.0% |
| Accommodation and food services | 75 | $268 | 0.42 | +2.7% |
| Professional and technical services | 54 | $843 | 0.39 | -1.8% |
| Finance and insurance | 41 | $1,411 | 0.50 | +0.0% |
| Arts, entertainment and recreation | 4 | $461 | 0.12 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | withheld |
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 #
No drought class at this point (USDM covers the United States only)
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| Stanberry Lake near Gentry, MO | 1,358 Acre-ft (USGS, no capacity on file) | 106 km |
| Marceline Lake near Marceline, MO | 1,911 Acre-ft (USGS, no capacity on file) | 123 km |
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 #
17 gauges · 0 flooding · 1 with quality panels averaging 50 % · 2 stale
Sites found: 17, 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 |
|---|---|---|
| South Fork Chariton River near Promise City, IA | flow 53.2 ft³/s | 14 km |
| Chariton River near Chariton, IA | flow 65.8 ft³/s | 24 km |
| Weldon River near Leon, IA | flow 0.15 ft³/s · STALE | 26 km |
| Medicine Creek at Lucerne, MO | stage 5.85 ft · quality 50 % (1) | 32 km |
| Chariton River near Rathbun, IA | flow 1,110 ft³/s | 38 km |
| Cooper Creek at Centerville, IA | flow 8.98 ft³/s | 40 km |
| Thompson River at Davis City, IA | flow 1,250 ft³/s | 42 km |
| Chariton River near Moulton, IA | flow 980.0 ft³/s | 47 km |
| White Breast Creek near Dallas, IA | flow 221.0 ft³/s | 56 km |
| East Locust Creek near Boynton, MO | flow 21.4 ft³/s | 57 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 #
4 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 4, 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-405820093252501 | depth 6.61 ft · 2014-09-30 | 27 km |
| Sand and gravel aquifers (glaciated regions) | depth 14.3 ft · 2026-10-05 | 50 km |
| Sand and gravel aquifers (glaciated regions) | depth 2.52 ft · 2026-10-05 | 65 km |
| Sand and gravel aquifers (glaciated regions) | depth 14.4 ft · 2026-10-05 | 73 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 #
low (0.18)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.50 / 0.55
Banks & federal dollars #
$195.6 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,800, highly concentrated. $42.9 m federal obligations in FY2026 (direct payments $41.6 m, grants $1.3 m), $21,501 per covered job
| Item | Value | Distance |
|---|---|---|
| Corydon State Bank | $103.6 m · 53.0% share · 1 office | |
| First Interstate Bank | $53.5 m · 27.4% share · 2 offices | |
| Peoples Savings Bank | $29.0 m · 14.8% share · 1 office | |
| Wayne, IA | $42.9 m FY2026 · $21,501/job | |
| MULTIPLE RECIPIENTS | $38.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Corydon State Bank | $103,649,000 | 53.0% | 1 |
| First Interstate Bank | $53,524,000 | 27.4% | 2 |
| Peoples Savings Bank | $29,032,000 | 14.8% | 1 |
| Farmers Bank of Northern Missouri | $9,398,000 | 4.8% | 1 |
Deposit concentration is 3,800 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 53.0² + 27.4² + 14.8² + … (1 more) = 3,800
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 | $35,189,162 |
| Department of Veterans Affairs | $3,192,027 |
| Department of Agriculture | $2,872,591 |
| Department of Transportation | $983,399 |
| Department of Health and Human Services | $336,558 |
| Railroad Retirement Board | $265,609 |
| Department of Education | $48,979 |
| Federal Communications Commission | $28,163 |
That is $21,501 per covered job, against 1,996 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $42.9 m / 1,996 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,501
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Wayne County, IA: 6 findings, 1 at a watch level and 5 noted
watchWayne County, IA's covered employment is -2.3% 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 = -2.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWayne County, IA's covered employment was 2.3% lower 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
- -2.3 % = 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
noteWayne County, IA's average weekly wage was 1.9% 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
- +1.9 % = 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
noteWayne County, IA's covered employment of 1,996 ranks 94th of 99 Iowa counties, against a median of 5,685.
Period 2026 Q1.Show the arithmetic
- 5 on the 0-to-100 scale across 99 Iowa counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteWayne County, IA's typical home value of $146,510 ranks 91st of 99 Iowa counties, against a median of $194,976.
Period 2026-08.Show the arithmetic
- 8 on the 0-to-100 scale across 99 Iowa counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 6 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.