Adair County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.19, -92.60.
Assembled 2026-10-07. Read the brief.
- 34th pct · 2,019th of 3,063 US counties · median $234,566
- 30th pct · 79th of 113 Missouri counties · median $224,499
- 73rd pct · 812th of 3,063 US counties · median +2.9%
- 55th pct · 51st of 113 Missouri counties · median +4.9%
- 0th pct · 1,393rd of 1,399 US counties · median $1,496
- 0th pct · 35th of 35 Missouri counties · median $1,231
- 52nd pct · 1,526th of 3,221 US counties · median 8,232
- 66th pct · 39th of 115 Missouri counties · median 4,996
- 20th pct · 2,568th of 3,221 US counties · median $1,039
- 51st pct · 56th of 115 Missouri counties · median $902
- 46th pct · 1,645th of 3,063 US counties · median 4.3
- 30th pct · 79th of 113 Missouri counties · median 4.8
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 $193,111 (Aug 2026), +5.1% over one year, +18.9% over five
- 34th pct · 2,019th of 3,063 US counties · median $234,566
- 30th pct · 79th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Adair County, MO | $193,111 · +5.1% 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 $694/mo (Aug 2026), n/a over one year; price-to-rent 23.2
- 0th pct · 1,393rd of 1,399 US counties · median $1,496
- 0th pct · 35th of 35 Missouri counties · median $1,231
| Item | Value | Distance |
|---|---|---|
| Adair County, MO | $694/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 $1,057 a month on $193,111 at 7.28%, against an average weekly wage worth $3,926 a month: 26.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $193,111 × 80% = $154,489, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,057/mo principal and interest
- wage share = payment / (avg weekly wage $906 × 52 / 12 = $3,926) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $193,111 / ($906 × 52) = 4.1
- price-to-rent = $193,111 / ($694 × 12) = 23.2
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 #
9,137 jobs at 874 employers (2026 Q1); -2.6% jobs and +1.8% average weekly wage over the year
- 52nd pct · 1,526th of 3,221 US counties · median 8,232
- 66th pct · 39th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Adair County, MO | 9,137 jobs · $906/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,442 | $643 | 1.62 | -3.0% |
| Accommodation and food services | 1,045 | $361 | 1.27 | +0.2% |
| Manufacturing | 954 | $1,482 | 1.30 | -8.5% |
| Administrative and waste services | 216 | $789 | 0.42 | +37.6% |
| Construction | 206 | $1,180 | 0.43 | -0.5% |
| Finance and insurance | 194 | $1,156 | 0.52 | -1.0% |
| Other services | 191 | $649 | 0.70 | -8.2% |
| Wholesale trade | 113 | $955 | 0.32 | -22.1% |
| Real estate and rental | 87 | $897 | 0.62 | +1.2% |
| Arts, entertainment and recreation | 70 | $249 | 0.47 | -10.3% |
| Information | 65 | $862 | 0.39 | -16.7% |
| Agriculture, forestry, fishing | 25 | $502 | 0.38 | -19.4% |
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 #
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 |
|---|---|---|
| Marceline Lake near Marceline, MO | 1,909 Acre-ft (USGS, no capacity on file) | 68 km |
| Monroe City Lake near Monroe City, MO | 1,043 Acre-ft (USGS, no capacity on file) | 103 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 #
22 gauges · 0 flooding · 3 with quality panels averaging 58 % · 4 stale
Sites found: 22, 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 |
|---|---|---|
| Chariton River at Novinger, MO | flow 795.0 ft³/s · no flooding | 9 km |
| Spring Creek at Stahl, MO | flow 72.9 ft³/s | 19 km |
| Chariton River at Livonia, MO | flow 29.9 ft³/s · STALE | 33 km |
| Long Branch Creek near Atlanta, MO | flow 2.26 ft³/s | 34 km |
| East Locust Creek near Boynton, MO | flow 17.6 ft³/s | 41 km |
| Little East Locust Creek near Browning, MO | flow 9.68 ft³/s · STALE | 48 km |
| East Fork Little Chariton River near Macon, MO | flow 70.3 ft³/s | 49 km |
| Reservoirs at Long Branch Reservoir | no readings | 50 km |
| North Fork Salt River at Hagers Grove, MO | flow 124.0 ft³/s · no flooding | 51 km |
| South Fabius River above Newark, MO | flow 73.5 ft³/s | 53 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 #
6 wells in 2 named aquifers: Mississippian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 6, 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 |
|---|---|---|
| Mississippian aquifers | depth 27.2 ft · 2026-10-05 | 36 km |
| Sand and gravel aquifers (glaciated regions) | depth 14.4 ft · 2026-10-05 | 44 km |
| USGS-393640092303901 | depth 1.67 ft · 2016-11-13 | 65 km |
| Mississippian aquifers | depth 63.1 ft · 2026-10-05 | 66 km |
| USGS-394508093132101 | depth 3.95 ft · 2017-01-23 | 72 km |
| Sand and gravel aquifers (glaciated regions) | depth 30.4 ft · 2026-10-06 | 72 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 (0.15)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.42 / 0.55
Banks & federal dollars #
$823.6 m in deposits at 10 offices of 8 banks (SOD June 2026); HHI 1,773, moderately concentrated. $151.6 m federal obligations in FY2026 (direct payments $130.9 m, grants $16.8 m), $16,592 per covered job
| Item | Value | Distance |
|---|---|---|
| Equity Bank | $232.8 m · 28.3% share · 3 offices | |
| U.S. Bank National Association | $155.8 m · 18.9% share · 1 office | |
| NBH Bank | $130.4 m · 15.8% share · 1 office | |
| Adair, MO | $151.6 m FY2026 · $16,592/job | |
| MULTIPLE RECIPIENTS | $116.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Equity Bank | $232,767,000 | 28.3% | 3 |
| U.S. Bank National Association | $155,821,000 | 18.9% | 1 |
| NBH Bank | $130,387,000 | 15.8% | 1 |
| Alliant Bank | $128,498,000 | 15.6% | 1 |
| Northeast Missouri State Bank | $62,770,000 | 7.6% | 1 |
| Connections Bank | $43,704,000 | 5.3% | 1 |
| PSB Bank | $38,757,000 | 4.7% | 1 |
| MA Bank | $30,937,000 | 3.8% | 1 |
Deposit concentration is 1,773 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 28.3² + 18.9² + 15.8² + … (5 more) = 1,773
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 | $102,500,757 |
| Department of Veterans Affairs | $13,244,056 |
| Department of Transportation | $11,797,377 |
| Department of Health and Human Services | $11,200,570 |
| Department of Education | $4,604,003 |
| Department of Agriculture | $2,851,557 |
| Department of Housing and Urban Development | $1,812,893 |
| Department of Defense | $1,507,533 |
| Railroad Retirement Board | $1,420,668 |
| Federal Communications Commission | $661,919 |
| General Services Administration | $0 |
| Small Business Administration | $0 |
That is $16,592 per covered job, against 9,137 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $151.6 m / 9,137 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,592
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Adair County, MO: 14 findings, 2 at a watch level and 12 noted
watchAdair County, MO's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchAdair County, MO's average weekly wage of $906 scores 20 on the 0-to-100 scale across US counties but 52 across Missouri counties, a gap of 32 points.
Period 2026 Q1.Show the arithmetic
- 32 = |20 across US counties - 52 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteAdair County, MO's covered employment was 2.6% 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
- -2.6 % = 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
noteAdair County, MO's average weekly wage was 1.8% 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
- +1.8 % = 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
noteAdair County, MO's typical home value rose 0.3% from $192,463 in July 2026 to $193,111 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (193111.219214131 - 192462.74864229374) / 192462.74864229374 × 100
- 193111.219214131 = Zillow ZHVI, 2026-08
- 192462.74864229374 = Zillow ZHVI, 2026-07
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.