Clark County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.41, -91.73.
Assembled 2026-10-06. Read the brief.
- 29th pct · 2,173rd of 3,063 US counties · median $234,566
- 23rd pct · 87th of 113 Missouri counties · median $224,499
- 99th pct · 20th of 3,063 US counties · median +2.9%
- 100th pct · 1st of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 10th pct · 2,889th of 3,221 US counties · median 8,232
- 6th pct · 108th of 115 Missouri counties · median 4,996
- 2nd pct · 3,133rd of 3,221 US counties · median $1,039
- 4th pct · 110th of 115 Missouri counties · median $902
- 62nd pct · 1,138th of 3,063 US counties · median 4.3
- 58th pct · 48th 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 $181,982 (Aug 2026), +14.7% over one year, +8.7% over five
- 29th pct · 2,173rd of 3,063 US counties · median $234,566
- 23rd pct · 87th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Clark County, MO | $181,982 · +14.7% 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 $996 a month on $181,982 at 7.28%, against an average weekly wage worth $3,098 a month: 32.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $181,982 × 80% = $145,585, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $996/mo principal and interest
- wage share = payment / (avg weekly wage $715 × 52 / 12 = $3,098) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $181,982 / ($715 × 52) = 4.9
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 #
1,421 jobs at 179 employers (2026 Q1); +3.9% jobs and +6.9% average weekly wage over the year
- 10th pct · 2,889th of 3,221 US counties · median 8,232
- 6th pct · 108th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Clark County, MO | 1,421 jobs · $715/wk · +3.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 214 | $597 | 1.55 | -5.3% |
| Manufacturing | 113 | $803 | 0.99 | -16.9% |
| Wholesale trade | 97 | $945 | 1.78 | +27.6% |
| Accommodation and food services | 95 | $347 | 0.74 | +5.6% |
| Health care and social assistance | 92 | $602 | 0.43 | +19.5% |
| Administrative and waste services | 37 | $642 | 0.46 | +48.0% |
| Transportation and warehousing | 29 | $880 | 0.48 | -19.4% |
| Professional and technical services | 18 | $842 | 0.18 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | withheld | |||
| Information | 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 #
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 |
|---|---|---|
| Monroe City Lake near Monroe City, MO | 1,045 Acre-ft (USGS, no capacity on file) | 89 km |
| Marceline Lake near Marceline, MO | 1,911 Acre-ft (USGS, no capacity on file) | 136 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 #
30 gauges · 0 flooding · 2 with quality panels averaging 95 % · 3 stale
Sites found: 30, 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 |
|---|---|---|
| Fox River at Wayland, MO | flow 105.0 ft³/s · no flooding | 11 km |
| Des Moines River at St. Francisville, MO | flow 28,200 ft³/s · no flooding | 15 km |
| Mississippi River at Gregory Landing | no flooding | 24 km |
| Mississippi River at Keokuk | no flooding | 30 km |
| Mississippi River at Keokuk, IA | turb. 54.9 FNU · quality 90 % (5) | 30 km |
| Wyaconda River above Canton, MO | flow 96.1 ft³/s | 33 km |
| North Fabius River at Monticello, MO | flow 19.0 ft³/s · STALE | 33 km |
| Mississippi River at Canton Lock and Dam 20 | no flooding | 35 km |
| Middle Fabius River near Monticello, MO | flow 5.10 ft³/s · STALE | 35 km |
| Des Moines River at Keosauqua, IA | flow 26,100 ft³/s · quality 100 % (1) · no flooding | 41 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 #
8 wells in 3 named aquifers: Mississippian aquifers, Mississippi River Valley alluvial aquifer, Sand and gravel aquifers (glaciated regions)
Sites found: 8, 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 |
|---|---|---|
| USGS-402356091344001 | depth 42.7 ft · 2010-12-20 | 13 km |
| Mississippian aquifers | depth 100.5 ft · 2026-10-05 | 20 km |
| USGS-403504091414501 | depth 22.8 ft · 2013-06-09 | 20 km |
| Mississippian aquifers | depth 63.1 ft · 2026-10-05 | 26 km |
| Mississippian aquifers | depth 27.2 ft · 2026-10-05 | 42 km |
| USGS-405451091483301 | depth 13.0 ft · 2026-10-05 | 57 km |
| Mississippi River Valley alluvial aquifer | depth 15.5 ft · 2026-10-05 | 67 km |
| Sand and gravel aquifers (glaciated regions) | depth 14.4 ft · 2026-10-05 | 67 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.05 / 0.55
Banks & federal dollars #
$242.7 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 4,044, highly concentrated. $44.5 m federal obligations in FY2026 (direct payments $41.0 m, grants $3.5 m), $31,337 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Bank of Wyaconda, Missouri | $107.4 m · 44.2% share · 2 offices | |
| Exchange Bank Co. | $107.2 m · 44.2% share · 2 offices | |
| Bank of Monticello | $28.1 m · 11.6% share · 1 office | |
| Clark, MO | $44.5 m FY2026 · $31,337/job | |
| MULTIPLE RECIPIENTS | $36.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Bank of Wyaconda, Missouri | $107,366,000 | 44.2% | 2 |
| Exchange Bank Co. | $107,239,000 | 44.2% | 2 |
| Bank of Monticello | $28,089,000 | 11.6% | 1 |
Deposit concentration is 4,044 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 44.2² + 44.2² + 11.6² = 4,044
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 | $31,975,430 |
| Department of Agriculture | $4,273,606 |
| Department of Veterans Affairs | $3,862,171 |
| Department of Transportation | $3,441,474 |
| Railroad Retirement Board | $833,471 |
| Federal Communications Commission | $144,084 |
That is $31,337 per covered job, against 1,421 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $44.5 m / 1,421 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,337
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 #
Clark County, MO: 13 findings, 13 noted
noteClark County, MO's average weekly wage was 6.9% 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
- +6.9 % = 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
noteClark County, MO's covered employment was 3.9% 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
- +3.9 % = 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
noteClark County, MO's typical home value rose 0.3% from $181,503 in July 2026 to $181,982 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (181981.60284786994 - 181502.88271597787) / 181502.88271597787 × 100
- 181981.60284786994 = Zillow ZHVI, 2026-08
- 181502.88271597787 = Zillow ZHVI, 2026-07
noteClark County, MO's typical home value of +14.7% ranks 1st of 113 Missouri counties, against a median of +4.9%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 113 Missouri counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteClark County, MO's momentum index of 1.00 ranks 1st of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 100 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
Read all 12 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.