Atchison County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.43, -95.44.
Assembled 2026-10-06. Read the brief.
- 15th pct · 2,592nd of 3,063 US counties · median $234,566
- 9th pct · 102nd of 113 Missouri counties · median $224,499
- 32nd pct · 2,070th of 3,063 US counties · median +2.9%
- 7th pct · 105th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 14th pct · 2,761st of 3,221 US counties · median 8,232
- 14th pct · 98th of 115 Missouri counties · median 4,996
- 23rd pct · 2,452nd of 3,221 US counties · median $1,039
- 60th pct · 45th of 115 Missouri counties · median $902
- 21st pct · 2,390th of 3,063 US counties · median 4.3
- 10th pct · 101st 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 $148,361 (Aug 2026), +1.4% over one year, +18.7% over five
- 15th pct · 2,592nd of 3,063 US counties · median $234,566
- 9th pct · 102nd of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Atchison County, MO | $148,361 · +1.4% 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
- Missouri 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 $812 a month on $148,361 at 7.28%, against an average weekly wage worth $4,000 a month: 20.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $148,361 × 80% = $118,689, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $812/mo principal and interest
- wage share = payment / (avg weekly wage $923 × 52 / 12 = $4,000) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $148,361 / ($923 × 52) = 3.1
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 #
1,788 jobs at 232 employers (2026 Q1); +3.1% jobs and +11.7% average weekly wage over the year
- 14th pct · 2,761st of 3,221 US counties · median 8,232
- 14th pct · 98th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Atchison County, MO | 1,788 jobs · $923/wk · +3.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 241 | $720 | 1.38 | +9.0% |
| Agriculture, forestry, fishing | 172 | $900 | 13.32 | -11.3% |
| Wholesale trade | 164 | $1,021 | 2.39 | +4.5% |
| Professional and technical services | 75 | $1,066 | 0.61 | -3.8% |
| Finance and insurance | 68 | $1,286 | 0.93 | +1.5% |
| Accommodation and food services | 58 | $394 | 0.36 | -37.0% |
| Transportation and warehousing | 56 | $1,467 | 0.74 | +75.0% |
| Utilities | 34 | $1,873 | 4.81 | +0.0% |
| Administrative and waste services | 25 | $446 | 0.25 | +47.1% |
| Real estate and rental | 10 | $790 | 0.36 | +42.9% |
| Arts, entertainment and recreation | 10 | $247 | 0.34 | -9.1% |
| Construction | 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) | 87 km |
| PERRY LK NR PERRY, KS | 300,000 Acre-ft (USGS, no capacity on file) | 147 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 #
34 gauges · 0 flooding · 3 with quality panels averaging 97 % · 6 stale
Sites found: 34, 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 |
|---|---|---|
| Tarkio River at Fairfax, MO | flow 394.0 ft³/s · no flooding | 11 km |
| Missouri River at Brownville, NE | flow 47,800 ft³/s · no flooding | 19 km |
| Main Ditch Number Six at Levee Road 3 miles SSW of Hamburg IA | observation not current | 23 km |
| Nishnabotna River above Hamburg, IA | flow 5,940 ft³/s · no flooding | 26 km |
| Nodaway River near Burlington Junction, MO | flow 1,980 ft³/s · no flooding | 29 km |
| East Nishnabotna River at Riverton, IA | flow 1,220 ft³/s · no flooding · STALE | 31 km |
| West Nishnabotna River near Riverton, IA | flow 460.0 ft³/s · STALE | 32 km |
| Little Nemaha River at Auburn, Nebr. | flow 562.0 ft³/s · no flooding | 32 km |
| West Nishnabotna River near Riverton | no flooding | 32 km |
| Minnesota Valley Creek near Mound City, MO | flow 4.80 ft³/s · STALE | 34 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 #
36 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 36, 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 |
|---|---|---|
| Sand and gravel aquifers (glaciated regions) | depth 31.3 ft · 2026-10-05 | 5 km |
| Alluvial aquifers | depth 3.00 ft · 2026-10-05 | 6 km |
| USGS-403602095400201 | depth 2.18 ft · 1996-10-01 | 27 km |
| USGS-403602095411501 | depth 2.72 ft · 1996-10-01 | 28 km |
| USGS-403602095425801 | depth 2.02 ft · 1996-10-01 | 30 km |
| USGS-403604095440701 | depth 2.18 ft · 1996-10-01 | 31 km |
| USGS-403605095443601 | depth 1.76 ft · 1996-10-01 | 32 km |
| USGS-404116095431001 | depth 6.43 ft · 1996-10-01 | 37 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$225.4 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 3,351, highly concentrated. $41.1 m federal obligations in FY2026 (direct payments $37.4 m, grants $2.4 m), $22,964 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank & Trust | $80.7 m · 35.8% share · 1 office | |
| Farmers State Bank | $76.9 m · 34.1% share · 2 offices | |
| NBH Bank | $67.8 m · 30.1% share · 1 office | |
| Atchison, MO | $41.1 m FY2026 · $22,964/job | |
| MULTIPLE RECIPIENTS | $32.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank & Trust | $80,746,000 | 35.8% | 1 |
| Farmers State Bank | $76,856,000 | 34.1% | 2 |
| NBH Bank | $67,797,000 | 30.1% | 1 |
Deposit concentration is 3,351 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 35.8² + 34.1² + 30.1² = 3,351
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 | $29,984,466 |
| Department of Agriculture | $4,333,488 |
| Department of Veterans Affairs | $2,539,025 |
| Department of Transportation | $2,149,880 |
| Department of Defense | $1,241,256 |
| Railroad Retirement Board | $334,811 |
| Federal Communications Commission | $228,267 |
| Department of Housing and Urban Development | $166,649 |
| Department of Education | $82,654 |
That is $22,964 per covered job, against 1,788 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $41.1 m / 1,788 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,964
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 #
Atchison County, MO: 8 findings, 1 at a watch level and 7 noted
watchAtchison County, MO's average weekly wage of $923 scores 24 on the 0-to-100 scale across US counties but 61 across Missouri counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |24 across US counties - 61 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteAtchison County, MO's average weekly wage was 11.7% 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
- +11.7 % = 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
noteAtchison County, MO's covered employment was 3.1% 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
- +3.1 % = 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
noteAtchison County, MO's typical home value fell 0.3% from $148,837 in July 2026 to $148,361 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (148360.7292737471 - 148837.29321813956) / 148837.29321813956 × 100
- 148360.7292737471 = Zillow ZHVI, 2026-08
- 148837.29321813956 = Zillow ZHVI, 2026-07
noteAtchison County, MO's momentum index of 0.70 ranks 203rd of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
Read all 8 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.