Marshall County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.78, -96.52.
Assembled 2026-10-06. Read the brief.
- 21st pct · 2,392nd of 3,063 US counties · median $234,566
- 57th pct · 45th of 105 Kansas counties · median $153,214
- 89th pct · 329th of 3,063 US counties · median +2.9%
- 78th pct · 23rd of 105 Kansas counties · median +4.4%
- US counties: not published this period
- Kansas counties: not published this period
- 33rd pct · 2,158th of 3,221 US counties · median 8,232
- 64th pct · 38th of 105 Kansas counties · median 2,554
- 30th pct · 2,242nd of 3,221 US counties · median $1,039
- 54th pct · 48th of 105 Kansas counties · median $943
- 28th pct · 2,198th of 3,063 US counties · median 4.3
- 55th pct · 47th 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 $165,870 (Aug 2026), +7.6% over one year, +35.7% over five
- 21st pct · 2,392nd of 3,063 US counties · median $234,566
- 57th pct · 45th of 105 Kansas counties · median $153,214
| Item | Value | Distance |
|---|---|---|
| Marshall County, KS | $165,870 · +7.6% 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 $908 a month on $165,870 at 7.28%, against an average weekly wage worth $4,134 a month: 22.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $165,870 × 80% = $132,696, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $908/mo principal and interest
- wage share = payment / (avg weekly wage $954 × 52 / 12 = $4,134) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $165,870 / ($954 × 52) = 3.3
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 #
4,222 jobs at 389 employers (2026 Q1); -0.5% jobs and +3.0% average weekly wage over the year
- 33rd pct · 2,158th of 3,221 US counties · median 8,232
- 64th pct · 38th of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Marshall County, KS | 4,222 jobs · $954/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,059 | $1,245 | 3.12 | +0.1% |
| Retail trade | 513 | $655 | 1.25 | -8.4% |
| Wholesale trade | 358 | $861 | 2.21 | -9.4% |
| Construction | 172 | $962 | 0.78 | -1.7% |
| Finance and insurance | 171 | $1,719 | 0.99 | +0.0% |
| Professional and technical services | 119 | $1,182 | 0.41 | -1.7% |
| Information | 92 | $1,291 | 1.18 | +0.0% |
| Other services | 57 | $635 | 0.45 | +14.0% |
| Transportation and warehousing | 55 | $999 | 0.31 | +1.9% |
| Agriculture, forestry, fishing | 49 | $642 | 1.61 | +0.0% |
| Utilities | 40 | $1,921 | 2.40 | +2.6% |
| Real estate and rental | 24 | $1,021 | 0.37 | +71.4% |
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 #
$721.4 m in deposits at 13 offices of 8 banks (SOD June 2026); HHI 2,649, highly concentrated. $83.5 m federal obligations in FY2026 (direct payments $81.8 m, contracts $909,050), $19,787 per covered job
| Item | Value | Distance |
|---|---|---|
| The Citizens State Bank | $315.1 m · 43.7% share · 3 offices | |
| United Bank & Trust | $129.9 m · 18.0% share · 3 offices | |
| First Commerce Bank | $120.6 m · 16.7% share · 2 offices | |
| Marshall, KS | $83.5 m FY2026 · $19,787/job | |
| MULTIPLE RECIPIENTS | $67.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Citizens State Bank | $315,130,000 | 43.7% | 3 |
| United Bank & Trust | $129,899,000 | 18.0% | 3 |
| First Commerce Bank | $120,580,000 | 16.7% | 2 |
| The State Bank of Bern | $57,340,000 | 7.9% | 1 |
| First National Bank in Frankfort | $55,440,000 | 7.7% | 1 |
| Western National Bank | $23,816,000 | 3.3% | 1 |
| First Heritage Bank | $12,421,000 | 1.7% | 1 |
| The Citizens State Bank and Trust Company | $6,816,000 | 0.9% | 1 |
Deposit concentration is 2,649 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 43.7² + 18.0² + 16.7² + … (5 more) = 2,649
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 | $51,316,479 |
| Department of Agriculture | $14,291,808 |
| Railroad Retirement Board | $10,604,848 |
| Department of Veterans Affairs | $6,027,425 |
| Department of the Interior | $259,644 |
| Department of Defense | $249,654 |
| Department of Transportation | $188,532 |
| Department of Energy | $164,759 |
| Federal Communications Commission | $146,407 |
| Department of Housing and Urban Development | $124,639 |
| Department of State | $119,710 |
| Department of Education | $86,726 |
That is $19,787 per covered job, against 4,222 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $83.5 m / 4,222 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,787
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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Marshall County, KS: 7 findings, 3 at a watch level and 4 noted
watchMarshall County, KS' covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMarshall County, KS' typical home value of $165,870 scores 22 on the 0-to-100 scale across US counties but 58 across Kansas counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |22 across US counties - 58 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchMarshall County, KS' covered employment of 4,222 scores 33 on the 0-to-100 scale across US counties but 64 across Kansas counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |33 across US counties - 64 across Kansas counties|
position among the entities that published this metric this period; not an official level
noteMarshall County, KS' average weekly wage was 3.0% 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
- +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
noteMarshall County, KS' typical home value rose 1.3% from $163,677 in July 2026 to $165,870 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.3% = (165870.23467814396 - 163676.74065188086) / 163676.74065188086 × 100
- 165870.23467814396 = Zillow ZHVI, 2026-08
- 163676.74065188086 = Zillow ZHVI, 2026-07
Read all 7 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.