Bates County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.26, -94.34.
Assembled 2026-10-06. Read the brief.
- 48th pct · 1,572nd of 3,063 US counties · median $234,566
- 55th pct · 51st of 113 Missouri counties · median $224,499
- 15th pct · 12th of 14 counties in the Kansas City metro · median $279,567
- 58th pct · 1,270th of 3,063 US counties · median +2.9%
- 31st pct · 78th of 113 Missouri counties · median +4.9%
- 30th pct · 10th of 14 counties in the Kansas City metro · median +4.6%
- US counties: not published this period
- Missouri counties: not published this period
- counties in the Kansas City metro: not published this period
- 30th pct · 2,236th of 3,221 US counties · median 8,232
- 40th pct · 69th of 115 Missouri counties · median 4,996
- 15th pct · 12th of 14 counties in the Kansas City metro · median 15,305
- 11th pct · 2,844th of 3,221 US counties · median $1,039
- 31st pct · 79th of 115 Missouri counties · median $902
- 7th pct · 13th of 14 counties in the Kansas City metro · median $1,052
- 67th pct · 988th of 3,063 US counties · median 4.3
- 71st pct · 33rd of 113 Missouri counties · median 4.8
- 38th pct · 9th of 14 counties in the Kansas City metro · median 5.5
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 $230,382 (Aug 2026), +3.7% over one year, +19.6% over five
- 48th pct · 1,572nd of 3,063 US counties · median $234,566
- 55th pct · 51st of 113 Missouri counties · median $224,499
- 15th pct · 12th of 14 counties in the Kansas City metro · median $279,567
| Item | Value | Distance |
|---|---|---|
| Bates County, MO | $230,382 · +3.7% 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
- counties in the Kansas City metro: 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 $1,261 a month on $230,382 at 7.28%, against an average weekly wage worth $3,683 a month: 34.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $230,382 × 80% = $184,306, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,261/mo principal and interest
- wage share = payment / (avg weekly wage $850 × 52 / 12 = $3,683) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $230,382 / ($850 × 52) = 5.2
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 #
3,852 jobs at 489 employers (2026 Q1); +2.8% jobs and +5.1% average weekly wage over the year
- 30th pct · 2,236th of 3,221 US counties · median 8,232
- 40th pct · 69th of 115 Missouri counties · median 4,996
- 15th pct · 12th of 14 counties in the Kansas City metro · median 15,305
| Item | Value | Distance |
|---|---|---|
| Bates County, MO | 3,852 jobs · $850/wk · +2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 558 | $675 | 1.49 | -4.8% |
| Health care and social assistance | 536 | $692 | 0.92 | +4.7% |
| Accommodation and food services | 320 | $367 | 0.92 | +9.6% |
| Construction | 281 | $1,178 | 1.39 | +15.6% |
| Finance and insurance | 148 | $1,288 | 0.94 | +0.0% |
| Manufacturing | 144 | $753 | 0.46 | +9.1% |
| Transportation and warehousing | 118 | $1,154 | 0.73 | +19.2% |
| Professional and technical services | 118 | $1,109 | 0.44 | -10.6% |
| Wholesale trade | 110 | $1,152 | 0.75 | +26.4% |
| Utilities | 49 | $1,827 | 3.22 | +8.9% |
| Arts, entertainment and recreation | 49 | $979 | 0.77 | -7.5% |
| Other services | 43 | $700 | 0.37 | -14.0% |
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 #
D0 abnormally dry
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 #
$401.8 m in deposits at 9 offices of 3 banks (SOD June 2026); HHI 3,440, highly concentrated. $116.3 m federal obligations in FY2026 (direct payments $109.7 m, grants $6.5 m), $30,197 per covered job
| Item | Value | Distance |
|---|---|---|
| Community First Bank | $154.9 m · 38.6% share · 2 offices | |
| Adrian Bank | $146.5 m · 36.5% share · 2 offices | |
| Citizens Bank | $100.4 m · 25.0% share · 5 offices | |
| Bates, MO | $116.3 m FY2026 · $30,197/job | |
| MULTIPLE RECIPIENTS | $98.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community First Bank | $154,896,000 | 38.6% | 2 |
| Adrian Bank | $146,512,000 | 36.5% | 2 |
| Citizens Bank | $100,375,000 | 25.0% | 5 |
Deposit concentration is 3,440 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 = 38.6² + 36.5² + 25.0² = 3,440
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 | $87,262,902 |
| Department of Veterans Affairs | $10,992,440 |
| Department of Agriculture | $10,923,537 |
| Department of Transportation | $6,284,913 |
| Railroad Retirement Board | $547,605 |
| Federal Communications Commission | $265,965 |
| Department of Education | $72,319 |
| Department of Health and Human Services | $20,000 |
| Department of the Treasury | -$50,000 |
That is $30,197 per covered job, against 3,852 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $116.3 m / 3,852 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,197
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 #
Bates County, MO: 7 findings, 7 noted
noteBates County, MO's average weekly wage was 5.1% 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
- +5.1 % = 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
noteBates County, MO's covered employment was 2.8% 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
- +2.8 % = 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
noteBates County, MO's typical home value rose 0.6% from $229,048 in July 2026 to $230,382 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (230382.31170025936 - 229047.67355632246) / 229047.67355632246 × 100
- 230382.31170025936 = Zillow ZHVI, 2026-08
- 229047.67355632246 = Zillow ZHVI, 2026-07
noteBates County, MO's momentum index of 0.71 ranks 180th 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
noteBates County, MO's average weekly wage of $850 ranks 13th of 14 counties in the Kansas City metro, against a median of $1,052.
Period 2026 Q1.Show the arithmetic
- 8 on the 0-to-100 scale across 14 counties in the Kansas City metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
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.