Cass County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.65, -94.35.
Assembled 2026-10-06. Read the brief.
- 78th pct · 662nd of 3,063 US counties · median $234,566
- 98th pct · 3rd of 113 Missouri counties · median $224,499
- 69th pct · 5th of 14 counties in the Kansas City metro · median $279,567
- 66th pct · 1,027th of 3,063 US counties · median +2.9%
- 41st pct · 66th of 113 Missouri counties · median +4.9%
- 46th pct · 8th of 14 counties in the Kansas City metro · median +4.6%
- 67th pct · 460th of 1,399 US counties · median $1,496
- 97th pct · 2nd of 35 Missouri counties · median $1,231
- 75th pct · 3rd of 9 counties in the Kansas City metro · median $1,543
- 78th pct · 700th of 3,221 US counties · median 8,232
- 87th pct · 15th of 115 Missouri counties · median 4,996
- 61st pct · 6th of 14 counties in the Kansas City metro · median 15,305
- 30th pct · 2,242nd of 3,221 US counties · median $1,039
- 65th pct · 40th of 115 Missouri counties · median $902
- 30th pct · 10th of 14 counties in the Kansas City metro · median $1,052
- 87th pct · 377th of 3,063 US counties · median 4.3
- 95th pct · 6th of 113 Missouri counties · median 4.8
- 100th pct · 1st 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 $343,896 (Aug 2026), +4.4% over one year, +23.1% over five
- 78th pct · 662nd of 3,063 US counties · median $234,566
- 98th pct · 3rd of 113 Missouri counties · median $224,499
- 69th pct · 5th of 14 counties in the Kansas City metro · median $279,567
| Item | Value | Distance |
|---|---|---|
| Cass County, MO | $343,896 · +4.4% 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 #
Typical rent $1,709/mo (Aug 2026), +3.8% over one year; price-to-rent 16.8
- 67th pct · 460th of 1,399 US counties · median $1,496
- 97th pct · 2nd of 35 Missouri counties · median $1,231
- 75th pct · 3rd of 9 counties in the Kansas City metro · median $1,543
| Item | Value | Distance |
|---|---|---|
| Cass County, MO | $1,709/mo · +3.8% 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 $1,882 a month on $343,896 at 7.28%, against an average weekly wage worth $4,134 a month: 45.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $343,896 × 80% = $275,117, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,882/mo principal and interest
- wage share = payment / (avg weekly wage $954 × 52 / 12 = $4,134) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $343,896 / ($954 × 52) = 6.9
- price-to-rent = $343,896 / ($1,709 × 12) = 16.8
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 #
31,949 jobs at 2,825 employers (2026 Q1); +2.1% jobs and +3.5% average weekly wage over the year
- 78th pct · 700th of 3,221 US counties · median 8,232
- 87th pct · 15th of 115 Missouri counties · median 4,996
- 61st pct · 6th of 14 counties in the Kansas City metro · median 15,305
| Item | Value | Distance |
|---|---|---|
| Cass County, MO | 31,949 jobs · $954/wk · +2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 4,860 | $936 | 3.61 | +16.2% |
| Retail trade | 4,532 | $661 | 1.46 | -3.3% |
| Accommodation and food services | 3,693 | $428 | 1.29 | +4.8% |
| Health care and social assistance | 3,420 | $1,087 | 0.71 | -1.4% |
| Construction | 2,434 | $1,254 | 1.45 | +5.9% |
| Manufacturing | 1,875 | $1,282 | 0.73 | -3.1% |
| Wholesale trade | 1,069 | $1,475 | 0.87 | -16.2% |
| Administrative and waste services | 1,049 | $983 | 0.58 | +6.1% |
| Other services | 873 | $713 | 0.91 | +15.2% |
| Professional and technical services | 756 | $1,219 | 0.34 | +0.9% |
| Finance and insurance | 682 | $1,718 | 0.52 | -0.1% |
| Agriculture, forestry, fishing | 360 | $910 | 1.56 | -8.2% |
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 #
$2.0 bn in deposits at 30 offices of 19 banks (SOD June 2026); HHI 888, unconcentrated. $682.5 m federal obligations in FY2026 (direct payments $662.8 m, grants $16.1 m), $21,362 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Bank of Raymore | $331.0 m · 16.3% share · 3 offices | |
| Commerce Bank | $275.0 m · 13.6% share · 2 offices | |
| Hawthorn Bank | $256.8 m · 12.7% share · 3 offices | |
| Cass, MO | $682.5 m FY2026 · $21,362/job | |
| MULTIPLE RECIPIENTS | $655.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Bank of Raymore | $330,965,000 | 16.3% | 3 |
| Commerce Bank | $275,008,000 | 13.6% | 2 |
| Hawthorn Bank | $256,754,000 | 12.7% | 3 |
| Bank of America, National Association | $138,951,000 | 6.9% | 1 |
| First National Bank of Omaha | $135,520,000 | 6.7% | 3 |
| North American Savings Bank, F.S.B. | $125,683,000 | 6.2% | 1 |
| Community Bank of Pleasant Hill | $125,049,000 | 6.2% | 1 |
| UMB Bank, National Association | $120,088,000 | 5.9% | 1 |
| Goppert Financial Bank | $95,986,000 | 4.7% | 1 |
| The Central Trust Bank | $70,039,000 | 3.5% | 1 |
Deposit concentration is 888 across 19 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 19 banks with deposits in the county = 16.3² + 13.6² + 12.7² + … (16 more) = 888
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 | $565,518,494 |
| Department of Veterans Affairs | $82,760,052 |
| Department of Transportation | $9,404,236 |
| Railroad Retirement Board | $7,258,246 |
| Department of Health and Human Services | $6,917,793 |
| Department of Agriculture | $5,983,618 |
| Department of Defense | $2,080,066 |
| Department of Commerce | $697,735 |
| Federal Communications Commission | $620,176 |
| Department of Education | $596,390 |
| Department of Housing and Urban Development | $518,772 |
| General Services Administration | $149,948 |
That is $21,362 per covered job, against 31,949 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $682.5 m / 31,949 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,362
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 #
Cass County, MO: 10 findings, 1 at a watch level and 9 noted
watchCass County, MO's average weekly wage of $954 scores 30 on the 0-to-100 scale across US counties but 66 across Missouri counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |30 across US counties - 66 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteCass County, MO's average weekly wage was 3.5% 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
- +3.5 % = 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
noteCass County, MO's covered employment was 2.1% 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
- +2.1 % = 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
noteCass County, MO's typical home value rose 0.3% from $342,798 in July 2026 to $343,896 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (343895.95901585364 - 342798.35461738) / 342798.35461738 × 100
- 343895.95901585364 = Zillow ZHVI, 2026-08
- 342798.35461738 = Zillow ZHVI, 2026-07
noteCass County, MO's years of wages of 6.9 ranks 1st of 14 counties in the Kansas City metro, against a median of 5.5.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 14 counties in the Kansas City metro that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
Read all 10 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.