Cedar County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.73, -93.85.
Assembled 2026-10-06. Read the brief.
- 49th pct · 1,541st of 3,063 US counties · median $234,566
- 58th pct · 48th of 113 Missouri counties · median $224,499
- 77th pct · 698th of 3,063 US counties · median +2.9%
- 64th pct · 41st of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 29th pct · 2,272nd of 3,221 US counties · median 8,232
- 38th pct · 71st of 115 Missouri counties · median 4,996
- 7th pct · 2,982nd of 3,221 US counties · median $1,039
- 22nd pct · 89th of 115 Missouri counties · median $902
- 73rd pct · 823rd of 3,063 US counties · median 4.3
- 79th pct · 24th 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 $233,712 (Aug 2026), +5.6% over one year, +45.1% over five
- 49th pct · 1,541st of 3,063 US counties · median $234,566
- 58th pct · 48th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Cedar County, MO | $233,712 · +5.6% 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 $1,279 a month on $233,712 at 7.28%, against an average weekly wage worth $3,506 a month: 36.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $233,712 × 80% = $186,969, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,279/mo principal and interest
- wage share = payment / (avg weekly wage $809 × 52 / 12 = $3,506) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $233,712 / ($809 × 52) = 5.6
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 #
3,683 jobs at 428 employers (2026 Q1); +4.4% jobs and +5.8% average weekly wage over the year
- 29th pct · 2,272nd of 3,221 US counties · median 8,232
- 38th pct · 71st of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Cedar County, MO | 3,683 jobs · $809/wk · +4.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 478 | $540 | 1.33 | +5.8% |
| Manufacturing | 418 | $1,128 | 1.41 | +3.5% |
| Accommodation and food services | 256 | $339 | 0.77 | -5.9% |
| Construction | 177 | $1,047 | 0.92 | +15.7% |
| Professional and technical services | 101 | $833 | 0.40 | +0.0% |
| Finance and insurance | 96 | $1,135 | 0.64 | -16.5% |
| Other services | 72 | $598 | 0.65 | +41.2% |
| Real estate and rental | 56 | $512 | 0.99 | -16.4% |
| Transportation and warehousing | 44 | $583 | 0.28 | -10.2% |
| Information | 14 | $585 | 0.21 | -26.3% |
| Arts, entertainment and recreation | 14 | $428 | 0.23 | -60.0% |
| Agriculture, forestry, fishing | 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 #
D1 moderate drought
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 |
|---|---|---|
| Concordia Lake near Concordia, MO | 2,372 Acre-ft (USGS, no capacity on file) | 136 km |
| HILLSDALE LK NR HILLSDALE, KS | 77,560 Acre-ft (USGS, no capacity on file) | 138 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 #
31 gauges · 0 flooding · 1 with quality panels averaging 100 % · 7 stale
Sites found: 31, 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 |
|---|---|---|
| Sac River at Hwy J below Stockton, MO | flow 62.4 ft³/s | 6 km |
| Sac River near Stockton, MO | stage 4.86 ft | 9 km |
| Cedar Creek near Pleasant View, MO | flow 0.59 ft³/s | 11 km |
| Sac River near Caplinger Mills, MO | flow 47.9 ft³/s | 16 km |
| Brush Creek near Collins, MO | flow 40.0 ft³/s · STALE | 20 km |
| Osage River at Taberville, MO | flow 175.0 ft³/s · quality 100 % (1) | 33 km |
| Weaubleau Creek near Weaubleau, MO | flow 0.00 ft³/s | 35 km |
| Sac River near Dadeville, MO | flow 18.2 ft³/s | 35 km |
| Weaubleau Creek near Collins, MO | flow 17.0 ft³/s · STALE | 37 km |
| Turnback Creek above Greenfield, MO | flow 16.4 ft³/s | 37 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 #
17 wells in 1 named aquifer: Ozark Plateaus aquifer system
Sites found: 17, 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 |
|---|---|---|
| Ozark Plateaus aquifer system | depth 137.6 ft · 2026-10-05 | 15 km |
| Ozark Plateaus aquifer system | depth 98.8 ft · 2026-10-05 | 35 km |
| Ozark Plateaus aquifer system | depth 455.2 ft · 2026-10-05 | 43 km |
| Ozark Plateaus aquifer system | depth 349.1 ft · 2026-10-05 | 45 km |
| Ozark Plateaus aquifer system | depth 53.4 ft · 2026-10-05 | 51 km |
| USGS-375930094222001 | depth 5.65 ft · 2016-04-26 | 54 km |
| Ozark Plateaus aquifer system | depth 65.3 ft · 2026-10-05 | 54 km |
| Ozark Plateaus aquifer system | depth 105.9 ft · 2026-10-05 | 60 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$418.1 m in deposits at 7 offices of 5 banks (SOD June 2026); HHI 2,597, highly concentrated. $110.8 m federal obligations in FY2026 (direct payments $104.8 m, grants $4.7 m), $30,079 per covered job
| Item | Value | Distance |
|---|---|---|
| Mid-Missouri Bank | $124.4 m · 29.7% share · 2 offices | |
| Community Bank of El Dorado Springs | $120.4 m · 28.8% share · 1 office | |
| Simmons Bank | $117.9 m · 28.2% share · 2 offices | |
| Cedar, MO | $110.8 m FY2026 · $30,079/job | |
| MULTIPLE RECIPIENTS | $100.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Mid-Missouri Bank | $124,387,000 | 29.7% | 2 |
| Community Bank of El Dorado Springs | $120,372,000 | 28.8% | 1 |
| Simmons Bank | $117,866,000 | 28.2% | 2 |
| Great Southern Bank | $30,577,000 | 7.3% | 1 |
| Community National Bank & Trust | $24,938,000 | 6.0% | 1 |
Deposit concentration is 2,597 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 = 29.7² + 28.8² + 28.2² + … (2 more) = 2,597
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 | $86,512,131 |
| Department of Veterans Affairs | $12,661,530 |
| Department of Transportation | $4,695,096 |
| Department of Agriculture | $4,294,310 |
| Railroad Retirement Board | $865,049 |
| Department of Defense | $726,757 |
| Department of the Interior | $519,378 |
| Department of Housing and Urban Development | $336,549 |
| Federal Communications Commission | $168,450 |
| Small Business Administration | $0 |
That is $30,079 per covered job, against 3,683 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $110.8 m / 3,683 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,079
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 #
Cedar County, MO: 9 findings, 9 noted
noteCedar 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
noteCedar County, MO's covered employment was 4.4% 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
- +4.4 % = 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
noteCedar County, MO's typical home value rose 0.4% from $232,683 in July 2026 to $233,712 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (233711.52060976284 - 232683.13046180483) / 232683.13046180483 × 100
- 233711.52060976284 = Zillow ZHVI, 2026-08
- 232683.13046180483 = Zillow ZHVI, 2026-07
noteCedar County, MO's momentum index of 0.84 ranks 63rd of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 98 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
noteCedar County, MO's momentum index of 0.84 ranks 7th of 115 Missouri counties, against a median of 0.41.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 115 Missouri 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 9 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.