Carroll County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.43, -93.50.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,278th of 3,063 US counties · median $234,566
- 19th pct · 91st of 113 Missouri counties · median $224,499
- 72nd pct · 849th of 3,063 US counties · median +2.9%
- 53rd pct · 53rd of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 21st pct · 2,521st of 3,221 US counties · median 8,232
- 27th pct · 84th of 115 Missouri counties · median 4,996
- 12th pct · 2,799th of 3,221 US counties · median $1,039
- 33rd pct · 77th of 115 Missouri counties · median $902
- 42nd pct · 1,772nd of 3,063 US counties · median 4.3
- 26th pct · 83rd 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 $174,859 (Aug 2026), +5.0% over one year, +32.1% over five
- 25th pct · 2,278th of 3,063 US counties · median $234,566
- 19th pct · 91st of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Carroll County, MO | $174,859 · +5.0% 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 $957 a month on $174,859 at 7.28%, against an average weekly wage worth $3,727 a month: 25.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $174,859 × 80% = $139,887, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $957/mo principal and interest
- wage share = payment / (avg weekly wage $860 × 52 / 12 = $3,727) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $174,859 / ($860 × 52) = 3.9
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 #
2,666 jobs at 328 employers (2026 Q1); -0.7% jobs and +5.8% average weekly wage over the year
- 21st pct · 2,521st of 3,221 US counties · median 8,232
- 27th pct · 84th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Carroll County, MO | 2,666 jobs · $860/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 290 | $592 | 1.12 | +1.0% |
| Agriculture, forestry, fishing | 227 | $952 | 11.79 | -11.0% |
| Wholesale trade | 211 | $814 | 2.07 | -3.2% |
| Manufacturing | 206 | $1,049 | 0.96 | -2.4% |
| Construction | 137 | $1,439 | 0.98 | +16.1% |
| Finance and insurance | 97 | $1,159 | 0.89 | -6.7% |
| Administrative and waste services | 35 | $639 | 0.23 | +12.9% |
| Real estate and rental | 9 | $290 | 0.22 | -35.7% |
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Professional and technical services | 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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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 | 1,911 Acre-ft (USGS, no capacity on file) | 50 km |
| Concordia Lake near Concordia, MO | 2,375 Acre-ft (USGS, no capacity on file) | 55 km |
| Stanberry Lake near Gentry, MO | 1,358 Acre-ft (USGS, no capacity on file) | 125 km |
| HILLSDALE LK NR HILLSDALE, KS | 77,560 Acre-ft (USGS, no capacity on file) | 148 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 #
23 gauges · 0 flooding · 4 with quality panels averaging 65 % · 4 stale
Sites found: 23, 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 |
|---|---|---|
| Missouri River at Napoleon, MO | flow 96,400 ft³/s · quality 80 % (5) | 58 km |
| Grand River near Sumner, MO | flow 9,930 ft³/s · quality 80 % (5) | 31 km |
| Medicine Creek near Laredo, MO | flow 159.0 ft³/s · quality 50 % (2) | 67 km |
| Wakenda Creek at Carrollton, MO | flow 10.1 ft³/s | 9 km |
| Missouri River at Waverly, MO | flow 112,000 ft³/s | 24 km |
| Grand River below Sumner, MO (auxiliary gage) | stage 17.1 ft | 28 km |
| Grand River near Fountain Grove, MO | flow 8,910 ft³/s | 33 km |
| Hickory Branch near Mendon, MO | flow 0.76 ft³/s · STALE | 36 km |
| Grand River at Chillicothe, MO | stage 11.6 ft | 37 km |
| Shoal Creek near Braymer, MO | flow 47.1 ft³/s | 39 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 #
19 wells in 3 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers, Ozark Plateaus aquifer system
Sites found: 19, 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 |
|---|---|---|
| Alluvial aquifers | depth 11.2 ft · 2026-10-05 | 9 km |
| USGS-391622093161001 | depth 0.47 ft · 2016-07-24 | 26 km |
| Alluvial aquifers | depth 59.6 ft · 2026-10-05 | 29 km |
| Sand and gravel aquifers (glaciated regions) | depth 18.7 ft · 2026-10-05 | 31 km |
| Sand and gravel aquifers (glaciated regions) | depth 85.6 ft · 2026-10-05 | 34 km |
| Sand and gravel aquifers (glaciated regions) | depth 15.7 ft · 2026-10-05 | 35 km |
| Sand and gravel aquifers (glaciated regions) | depth 23.1 ft · 2026-10-05 | 37 km |
| USGS-394508093132101 | depth 3.95 ft · 2017-01-23 | 43 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 (0.13)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.35 / 0.55
Banks & federal dollars #
$494.2 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 2,351, highly concentrated. $60.6 m federal obligations in FY2026 (direct payments $58.5 m, grants $2.0 m), $22,718 per covered job
| Item | Value | Distance |
|---|---|---|
| Carroll County Trust Company of Carrollton, Missouri | $173.4 m · 35.1% share · 3 offices | |
| Home Savings and Loan Association of Carroll County, F.A. | $111.6 m · 22.6% share · 2 offices | |
| Goppert Financial Bank | $82.4 m · 16.7% share · 1 office | |
| Carroll, MO | $60.6 m FY2026 · $22,718/job | |
| MULTIPLE RECIPIENTS | $53.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Carroll County Trust Company of Carrollton, Missouri | $173,433,000 | 35.1% | 3 |
| Home Savings and Loan Association of Carroll County, F.A. | $111,607,000 | 22.6% | 2 |
| Goppert Financial Bank | $82,397,000 | 16.7% | 1 |
| Bank 21 | $68,608,000 | 13.9% | 2 |
| BTC Bank | $58,112,000 | 11.8% | 1 |
Deposit concentration is 2,351 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 35.1² + 22.6² + 16.7² + … (2 more) = 2,351
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 | $47,746,931 |
| Department of Veterans Affairs | $4,954,648 |
| Department of Agriculture | $4,896,380 |
| Department of Transportation | $1,676,507 |
| Railroad Retirement Board | $780,197 |
| Department of Housing and Urban Development | $408,262 |
| Department of Education | $58,423 |
| Federal Communications Commission | $44,700 |
| Department of Health and Human Services | $0 |
That is $22,718 per covered job, against 2,666 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $60.6 m / 2,666 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,718
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Carroll County, MO: 5 findings, 1 at a watch level and 4 noted
watchCarroll County, MO's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCarroll County, MO's average weekly wage was 5.8% 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
- +5.8 % = 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
noteCarroll County, MO's typical home value rose 1.4% from $172,491 in July 2026 to $174,859 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.4% = (174858.53707585458 - 172491.2028971533) / 172491.2028971533 × 100
- 174858.53707585458 = Zillow ZHVI, 2026-08
- 172491.2028971533 = Zillow ZHVI, 2026-07
noteCarroll County, MO's covered employment was 0.7% 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
- -0.7 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Carroll County, MO is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.