Chariton County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.52, -92.96.
Assembled 2026-10-06. Read the brief.
- 17th pct · 2,519th of 3,063 US counties · median $234,566
- 11th pct · 100th of 113 Missouri counties · median $224,499
- 1st pct · 3,006th of 3,063 US counties · median +2.9%
- 0th pct · 112th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 15th pct · 2,738th of 3,221 US counties · median 8,232
- 16th pct · 96th of 115 Missouri counties · median 4,996
- 10th pct · 2,898th of 3,221 US counties · median $1,039
- 28th pct · 83rd of 115 Missouri counties · median $902
- 33rd pct · 2,048th of 3,063 US counties · median 4.3
- 19th pct · 91st 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 $155,410 (Aug 2026), -9.2% over one year, -57.0% over five
- 17th pct · 2,519th of 3,063 US counties · median $234,566
- 11th pct · 100th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Chariton County, MO | $155,410 · -9.2% 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 $851 a month on $155,410 at 7.28%, against an average weekly wage worth $3,636 a month: 23.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $155,410 × 80% = $124,328, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $851/mo principal and interest
- wage share = payment / (avg weekly wage $839 × 52 / 12 = $3,636) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $155,410 / ($839 × 52) = 3.6
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 #
1,864 jobs at 272 employers (2026 Q1); +1.6% jobs and +4.7% average weekly wage over the year
- 15th pct · 2,738th of 3,221 US counties · median 8,232
- 16th pct · 96th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Chariton County, MO | 1,864 jobs · $839/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 244 | $581 | 1.34 | +19.6% |
| Wholesale trade | 190 | $1,281 | 2.66 | -5.9% |
| Construction | 113 | $855 | 1.16 | +4.6% |
| Manufacturing | 100 | $1,085 | 0.67 | +25.0% |
| Agriculture, forestry, fishing | 65 | $743 | 4.83 | +4.8% |
| Other services | 52 | $782 | 0.93 | +13.0% |
| Information | 35 | $1,187 | 1.02 | +6.1% |
| Professional and technical services | 34 | $1,082 | 0.26 | +0.0% |
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | 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 #
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 #
$306.6 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,197, highly concentrated. $54.0 m federal obligations in FY2026 (direct payments $55.1 m, contracts $722,070), $28,986 per covered job
| Item | Value | Distance |
|---|---|---|
| Regional Missouri Bank | $128.3 m · 41.9% share · 2 offices | |
| BTC Bank | $95.0 m · 31.0% share · 1 office | |
| County Bank | $65.0 m · 21.2% share · 1 office | |
| Chariton, MO | $54.0 m FY2026 · $28,986/job | |
| MULTIPLE RECIPIENTS | $48.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Regional Missouri Bank | $128,346,000 | 41.9% | 2 |
| BTC Bank | $94,965,000 | 31.0% | 1 |
| County Bank | $64,961,000 | 21.2% | 1 |
| Preferred Bank | $18,308,000 | 6.0% | 1 |
Deposit concentration is 3,197 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 41.9² + 31.0² + 21.2² + … (1 more) = 3,197
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 | $41,074,498 |
| Department of Agriculture | $7,208,816 |
| Department of Veterans Affairs | $4,828,101 |
| Railroad Retirement Board | $2,009,984 |
| Department of Defense | $517,422 |
| Department of Housing and Urban Development | $141,207 |
| Federal Communications Commission | $136,730 |
| Department of Education | $86,193 |
| Department of Health and Human Services | $81,086 |
| Small Business Administration | $0 |
| Department of Transportation | -$2,053,288 |
That is $28,986 per covered job, against 1,864 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $54.0 m / 1,864 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,986
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 #
Chariton County, MO: 10 findings, 1 at an alert level, 2 at a watch level and 7 noted
alertChariton County, MO's typical home value is -9.2% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.yoyPct = -9.175583172722694 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchChariton County, MO's typical home value is -9.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.yoyPct = -9.175583172722694 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchChariton County, MO's typical home value is -2.9% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.momPct = -2.9393038338132884 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteChariton County, MO's average weekly wage was 4.7% 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
- +4.7 % = 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
noteChariton County, MO's typical home value fell 2.9% from $160,116 in July 2026 to $155,410 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -2.9% = (155409.78893531402 - 160116.08722569057) / 160116.08722569057 × 100
- 155409.78893531402 = Zillow ZHVI, 2026-08
- 160116.08722569057 = Zillow ZHVI, 2026-07
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.