Franklin County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.56, -95.28.
Assembled 2026-10-06. Read the brief.
- 60th pct · 1,220th of 3,063 US counties · median $234,566
- 93rd pct · 8th of 105 Kansas counties · median $153,214
- 90th pct · 280th of 3,063 US counties · median +2.9%
- 83rd pct · 18th of 105 Kansas counties · median +4.4%
- US counties: not published this period
- Kansas counties: not published this period
- 53rd pct · 1,484th of 3,221 US counties · median 8,232
- 77th pct · 24th of 105 Kansas counties · median 2,554
- 45th pct · 1,734th of 3,221 US counties · median $1,039
- 75th pct · 26th of 105 Kansas counties · median $943
- 64th pct · 1,100th of 3,063 US counties · median 4.3
- 91st pct · 10th of 105 Kansas counties · median 3.2
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 $264,098 (Aug 2026), +8.0% over one year, +39.7% over five
- 60th pct · 1,220th of 3,063 US counties · median $234,566
- 93rd pct · 8th of 105 Kansas counties · median $153,214
| Item | Value | Distance |
|---|---|---|
| Franklin County, KS | $264,098 · +8.0% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Kansas 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 $1,446 a month on $264,098 at 7.28%, against an average weekly wage worth $4,429 a month: 32.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $264,098 × 80% = $211,279, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,446/mo principal and interest
- wage share = payment / (avg weekly wage $1,022 × 52 / 12 = $4,429) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $264,098 / ($1,022 × 52) = 5.0
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 #
9,559 jobs at 700 employers (2026 Q1); -4.5% jobs and +0.8% average weekly wage over the year
- 53rd pct · 1,484th of 3,221 US counties · median 8,232
- 77th pct · 24th of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Franklin County, KS | 9,559 jobs · $1,022/wk · -4.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 1,987 | $1,406 | 4.93 | -6.5% |
| Retail trade | 1,135 | $682 | 1.22 | +1.3% |
| Accommodation and food services | 769 | $342 | 0.90 | +0.3% |
| Manufacturing | 755 | $1,395 | 0.98 | +1.3% |
| Professional and technical services | 529 | $1,243 | 0.80 | +8.8% |
| Construction | 472 | $1,345 | 0.94 | -5.2% |
| Wholesale trade | 285 | $1,455 | 0.78 | +0.0% |
| Other services | 168 | $791 | 0.59 | +2.4% |
| Arts, entertainment and recreation | 115 | $269 | 0.73 | +4.5% |
| Agriculture, forestry, fishing | 109 | $934 | 1.58 | +2.8% |
| Finance and insurance | 109 | $1,085 | 0.28 | -19.3% |
| Real estate and rental | 50 | $801 | 0.34 | -3.8% |
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 #
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$686.2 m in deposits at 13 offices of 10 banks (SOD June 2026); HHI 1,379, moderately concentrated. $180.5 m federal obligations in FY2026 (direct payments $173.5 m, grants $6.9 m), $18,878 per covered job
| Item | Value | Distance |
|---|---|---|
| The Kansas State Bank | $168.9 m · 24.6% share · 2 offices | |
| Oakstar Bank | $126.8 m · 18.5% share · 1 office | |
| NBH Bank | $68.7 m · 10.0% share · 1 office | |
| Franklin, KS | $180.5 m FY2026 · $18,878/job | |
| MULTIPLE RECIPIENTS | $157.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Kansas State Bank | $168,865,000 | 24.6% | 2 |
| Oakstar Bank | $126,793,000 | 18.5% | 1 |
| NBH Bank | $68,679,000 | 10.0% | 1 |
| Patriots Bank | $59,503,000 | 8.7% | 2 |
| Arvest Bank | $53,478,000 | 7.8% | 1 |
| BMO Bank National Association | $51,780,000 | 7.5% | 1 |
| Mid-America Bank | $50,390,000 | 7.3% | 1 |
| Goppert State Service Bank | $46,375,000 | 6.8% | 2 |
| Landmark National Bank | $33,692,000 | 4.9% | 1 |
| Great Southern Bank | $26,662,000 | 3.9% | 1 |
Deposit concentration is 1,379 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 24.6² + 18.5² + 10.0² + … (7 more) = 1,379
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 | $139,254,036 |
| Department of Veterans Affairs | $15,013,415 |
| Department of Agriculture | $7,222,229 |
| Department of Education | $6,288,905 |
| Department of Health and Human Services | $3,919,936 |
| Railroad Retirement Board | $3,017,675 |
| Department of Transportation | $2,877,933 |
| Department of Housing and Urban Development | $2,826,074 |
| Federal Communications Commission | $169,001 |
| Department of Defense | $7,890 |
| Small Business Administration | $0 |
| Department of the Interior | -$144,400 |
That is $18,878 per covered job, against 9,559 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $180.5 m / 9,559 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,878
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 #
Franklin County, KS: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertFranklin County, KS' covered employment is -4.5% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchFranklin County, KS' covered employment is -4.5% 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 = -4.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFranklin County, KS' typical home value of $264,098 scores 60 on the 0-to-100 scale across US counties but 93 across Kansas counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |60 across US counties - 93 across Kansas counties|
position among the entities that published this metric this period; not an official level
noteFranklin County, KS' covered employment was 4.5% 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
- -4.5 % = 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
noteFranklin County, KS' average weekly wage was 0.8% 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
- +0.8 % = 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 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.