Montgomery County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.19, -95.74.
Assembled 2026-10-06. Read the brief.
- 3rd pct · 2,965th of 3,063 US counties · median $234,566
- 8th pct · 96th of 105 Kansas counties · median $153,214
- 90th pct · 305th of 3,063 US counties · median +2.9%
- 80th pct · 21st of 105 Kansas counties · median +4.4%
- 1st pct · 1,377th of 1,399 US counties · median $1,496
- 5th pct · 18th of 19 Kansas counties · median $1,185
- 62nd pct · 1,208th of 3,221 US counties · median 8,232
- 83rd pct · 18th of 105 Kansas counties · median 2,554
- 34th pct · 2,119th of 3,221 US counties · median $1,039
- 61st pct · 41st of 105 Kansas counties · median $943
- 4th pct · 2,925th of 3,063 US counties · median 4.3
- 6th pct · 98th 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 $102,915 (Aug 2026), +7.8% over one year, +25.2% over five
- 3rd pct · 2,965th of 3,063 US counties · median $234,566
- 8th pct · 96th of 105 Kansas counties · median $153,214
| Item | Value | Distance |
|---|---|---|
| Montgomery County, KS | $102,915 · +7.8% 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 $808/mo (Aug 2026), n/a over one year; price-to-rent 10.6
- 1st pct · 1,377th of 1,399 US counties · median $1,496
- 5th pct · 18th of 19 Kansas counties · median $1,185
| Item | Value | Distance |
|---|---|---|
| Montgomery County, KS | $808/mo · n/a 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 $563 a month on $102,915 at 7.28%, against an average weekly wage worth $4,195 a month: 13.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $102,915 × 80% = $82,332, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $563/mo principal and interest
- wage share = payment / (avg weekly wage $968 × 52 / 12 = $4,195) = 13% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $102,915 / ($968 × 52) = 2.0
- price-to-rent = $102,915 / ($808 × 12) = 10.6
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 #
13,645 jobs at 2,078 employers (2026 Q1); -4.5% jobs and +1.1% average weekly wage over the year
- 62nd pct · 1,208th of 3,221 US counties · median 8,232
- 83rd pct · 18th of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Montgomery County, KS | 13,645 jobs · $968/wk · -4.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,643 | $1,594 | 2.41 | -7.3% |
| Retail trade | 1,335 | $673 | 1.00 | -1.3% |
| Accommodation and food services | 919 | $338 | 0.75 | -3.5% |
| Administrative and waste services | 575 | $885 | 0.74 | +1.1% |
| Construction | 522 | $1,498 | 0.73 | -19.8% |
| Wholesale trade | 514 | $1,329 | 0.98 | +12.7% |
| Transportation and warehousing | 376 | $1,082 | 0.65 | +0.0% |
| Finance and insurance | 241 | $1,186 | 0.43 | -2.8% |
| Other services | 178 | $734 | 0.44 | -51.8% |
| Agriculture, forestry, fishing | 134 | $736 | 1.36 | +10.7% |
| Real estate and rental | 89 | $1,540 | 0.43 | +39.1% |
| Information | 62 | $1,075 | 0.25 | -31.9% |
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 #
$699.4 m in deposits at 14 offices of 7 banks (SOD June 2026); HHI 2,540, highly concentrated. $227.6 m federal obligations in FY2026 (direct payments $204.5 m, contracts $16.1 m), $16,683 per covered job
| Item | Value | Distance |
|---|---|---|
| Community National Bank & Trust | $291.0 m · 41.6% share · 5 offices | |
| SOLUTIONS NORTH BANK | $139.7 m · 20.0% share · 1 office | |
| Commercial Bank | $96.7 m · 13.8% share · 2 offices | |
| Montgomery, KS | $227.6 m FY2026 · $16,683/job | |
| MULTIPLE RECIPIENTS | $190.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community National Bank & Trust | $291,040,000 | 41.6% | 5 |
| SOLUTIONS NORTH BANK | $139,712,000 | 20.0% | 1 |
| Commercial Bank | $96,703,000 | 13.8% | 2 |
| FirstOak Bank | $86,529,000 | 12.4% | 2 |
| Equity Bank | $50,638,000 | 7.2% | 2 |
| The Peoples State Bank | $17,415,000 | 2.5% | 1 |
| RCB Bank | $17,344,000 | 2.5% | 1 |
Deposit concentration is 2,540 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 41.6² + 20.0² + 13.8² + … (4 more) = 2,540
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 | $168,734,521 |
| Department of Veterans Affairs | $18,062,322 |
| Department of Agriculture | $16,479,969 |
| Environmental Protection Agency | $6,421,959 |
| Department of Education | $5,399,333 |
| Department of Transportation | $4,608,488 |
| Railroad Retirement Board | $3,883,245 |
| Department of Housing and Urban Development | $1,616,493 |
| National Science Foundation | $946,438 |
| Department of Defense | $634,011 |
| Federal Communications Commission | $465,808 |
| Department of Health and Human Services | $262,569 |
That is $16,683 per covered job, against 13,645 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $227.6 m / 13,645 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,683
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 #
Montgomery County, KS: 19 findings, 1 at an alert level, 1 at a watch level and 17 noted
alertMontgomery 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
watchMontgomery 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
noteMontgomery 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
noteMontgomery County, KS' typical home value rose 1.3% from $101,630 in July 2026 to $102,915 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.3% = (102914.91152528882 - 101629.97065528146) / 101629.97065528146 × 100
- 102914.91152528882 = Zillow ZHVI, 2026-08
- 101629.97065528146 = Zillow ZHVI, 2026-07
noteMontgomery County, KS' average weekly wage was 1.1% 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
- +1.1 % = 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 12 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.