Christian County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.97, -93.19.
Assembled 2026-10-06. Read the brief.
- 73rd pct · 818th of 3,063 US counties · median $234,566
- 92nd pct · 9th of 113 Missouri counties · median $224,499
- 100th pct · 1st of 5 counties in the Springfield metro · median $269,934
- 44th pct · 1,695th of 3,063 US counties · median +2.9%
- 17th pct · 93rd of 113 Missouri counties · median +4.9%
- 25th pct · 4th of 5 counties in the Springfield metro · median +3.1%
- 48th pct · 724th of 1,399 US counties · median $1,496
- 79th pct · 8th of 35 Missouri counties · median $1,231
- counties in the Springfield metro: only 3 of counties in the Springfield metro published this metric; fewer than 5 is too few to rank
- 72nd pct · 890th of 3,221 US counties · median 8,232
- 84th pct · 19th of 115 Missouri counties · median 4,996
- 75th pct · 2nd of 5 counties in the Springfield metro · median 9,637
- 15th pct · 2,734th of 3,221 US counties · median $1,039
- 38th pct · 71st of 115 Missouri counties · median $902
- 25th pct · 4th of 5 counties in the Springfield metro · median $905
- 88th pct · 362nd of 3,063 US counties · median 4.3
- 96th pct · 5th of 113 Missouri counties · median 4.8
- 100th pct · 1st of 5 counties in the Springfield metro · median 5.7
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 $318,478 (Aug 2026), +2.5% over one year, +28.7% over five
- 73rd pct · 818th of 3,063 US counties · median $234,566
- 92nd pct · 9th of 113 Missouri counties · median $224,499
- 100th pct · 1st of 5 counties in the Springfield metro · median $269,934
| Item | Value | Distance |
|---|---|---|
| Christian County, MO | $318,478 · +2.5% 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 $1,481/mo (Aug 2026), +3.7% over one year; price-to-rent 17.9
- 48th pct · 724th of 1,399 US counties · median $1,496
- 79th pct · 8th of 35 Missouri counties · median $1,231
- counties in the Springfield metro: only 3 of counties in the Springfield metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Christian County, MO | $1,481/mo · +3.7% 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 $1,743 a month on $318,478 at 7.28%, against an average weekly wage worth $3,792 a month: 46.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $318,478 × 80% = $254,782, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,743/mo principal and interest
- wage share = payment / (avg weekly wage $875 × 52 / 12 = $3,792) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $318,478 / ($875 × 52) = 7.0
- price-to-rent = $318,478 / ($1,481 × 12) = 17.9
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 #
21,143 jobs at 2,590 employers (2026 Q1); +1.7% jobs and +5.4% average weekly wage over the year
- 72nd pct · 890th of 3,221 US counties · median 8,232
- 84th pct · 19th of 115 Missouri counties · median 4,996
- 75th pct · 2nd of 5 counties in the Springfield metro · median 9,637
| Item | Value | Distance |
|---|---|---|
| Christian County, MO | 21,143 jobs · $875/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,181 | $696 | 1.54 | +1.3% |
| Health care and social assistance | 2,818 | $973 | 0.89 | +13.3% |
| Accommodation and food services | 2,612 | $445 | 1.38 | -2.5% |
| Construction | 2,192 | $1,110 | 1.98 | -3.9% |
| Administrative and waste services | 914 | $788 | 0.76 | +5.3% |
| Wholesale trade | 698 | $1,307 | 0.86 | +0.3% |
| Professional and technical services | 677 | $1,142 | 0.46 | +0.0% |
| Finance and insurance | 609 | $1,229 | 0.71 | +3.2% |
| Other services | 596 | $914 | 0.94 | -2.5% |
| Transportation and warehousing | 509 | $886 | 0.57 | +11.9% |
| Real estate and rental | 235 | $857 | 0.72 | -4.1% |
| Arts, entertainment and recreation | 204 | $415 | 0.59 | -5.6% |
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 #
D3 extreme 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 #
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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$1.9 bn in deposits at 29 offices of 14 banks (SOD June 2026); HHI 998, unconcentrated. $553.0 m federal obligations in FY2026 (direct payments $537.0 m, grants $15.5 m), $26,156 per covered job
| Item | Value | Distance |
|---|---|---|
| Ozark Bank | $283.1 m · 15.2% share · 4 offices | |
| Southern Bank | $281.7 m · 15.1% share · 4 offices | |
| Guaranty Bank | $220.5 m · 11.9% share · 2 offices | |
| Christian, MO | $553.0 m FY2026 · $26,156/job | |
| MULTIPLE RECIPIENTS | $532.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Ozark Bank | $283,078,000 | 15.2% | 4 |
| Southern Bank | $281,724,000 | 15.1% | 4 |
| Guaranty Bank | $220,527,000 | 11.9% | 2 |
| The Central Trust Bank | $204,378,000 | 11.0% | 4 |
| Commerce Bank | $152,965,000 | 8.2% | 2 |
| Great Southern Bank | $143,285,000 | 7.7% | 4 |
| Legacy Bank & Trust Company | $132,292,000 | 7.1% | 1 |
| Oakstar Bank | $111,461,000 | 6.0% | 1 |
| Simmons Bank | $86,295,000 | 4.6% | 2 |
| Arvest Bank | $78,427,000 | 4.2% | 1 |
Deposit concentration is 998 across 14 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 15.2² + 15.1² + 11.9² + … (11 more) = 998
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 | $447,205,054 |
| Department of Veterans Affairs | $76,525,242 |
| Department of Transportation | $13,556,380 |
| Railroad Retirement Board | $8,483,767 |
| Department of Agriculture | $4,463,822 |
| Department of Defense | $1,901,708 |
| Federal Communications Commission | $690,614 |
| Department of Justice | $131,623 |
| Department of Education | $84,377 |
| Department of the Interior | $67,619 |
| Department of Energy | $14,040 |
| General Services Administration | $3,661 |
That is $26,156 per covered job, against 21,143 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $553.0 m / 21,143 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,156
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 #
Christian County, MO: 11 findings, 1 at a watch level and 10 noted
watchChristian County, MO's typical asking rent of $1,481 scores 48 on the 0-to-100 scale across US counties but 79 across Missouri counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |48 across US counties - 79 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteChristian County, MO's average weekly wage was 5.4% 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
- +5.4 % = 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
noteChristian County, MO's covered employment was 1.7% 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
- +1.7 % = 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
noteChristian County, MO's typical asking rent rose 1.3% from $1,463 in July 2026 to $1,481 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.3% = (1481.0221386800333 - 1462.554294479659) / 1462.554294479659 × 100
- 1481.0221386800333 = Zillow ZORI, 2026-08
- 1462.554294479659 = Zillow ZORI, 2026-07
noteChristian County, MO's typical home value rose 0.4% from $317,338 in July 2026 to $318,478 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (318477.9837872843 - 317338.3184053241) / 317338.3184053241 × 100
- 318477.9837872843 = Zillow ZHVI, 2026-08
- 317338.3184053241 = Zillow ZHVI, 2026-07
Read all 11 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.