Clinton County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.61, -94.40.
Assembled 2026-10-06. Read the brief.
- 67th pct · 985th of 3,063 US counties · median $234,566
- 88th pct · 14th of 113 Missouri counties · median $224,499
- 53rd pct · 7th of 14 counties in the Kansas City metro · median $279,567
- 79th pct · 635th of 3,063 US counties · median +2.9%
- 66th pct · 39th of 113 Missouri counties · median +4.9%
- 84th pct · 3rd of 14 counties in the Kansas City metro · median +4.6%
- US counties: not published this period
- Missouri counties: not published this period
- counties in the Kansas City metro: not published this period
- 35th pct · 2,072nd of 3,221 US counties · median 8,232
- 47th pct · 61st of 115 Missouri counties · median 4,996
- 30th pct · 10th of 14 counties in the Kansas City metro · median 15,305
- 31st pct · 2,214th of 3,221 US counties · median $1,039
- 67th pct · 38th of 115 Missouri counties · median $902
- 38th pct · 9th of 14 counties in the Kansas City metro · median $1,052
- 77th pct · 687th of 3,063 US counties · median 4.3
- 86th pct · 16th of 113 Missouri counties · median 4.8
- 76th pct · 4th 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 $292,529 (Aug 2026), +5.9% over one year, +33.7% over five
- 67th pct · 985th of 3,063 US counties · median $234,566
- 88th pct · 14th of 113 Missouri counties · median $224,499
- 53rd pct · 7th of 14 counties in the Kansas City metro · median $279,567
| Item | Value | Distance |
|---|---|---|
| Clinton County, MO | $292,529 · +5.9% 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
- counties in the Kansas City metro: 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 $1,601 a month on $292,529 at 7.28%, against an average weekly wage worth $4,147 a month: 38.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $292,529 × 80% = $234,023, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,601/mo principal and interest
- wage share = payment / (avg weekly wage $957 × 52 / 12 = $4,147) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $292,529 / ($957 × 52) = 5.9
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 #
4,719 jobs at 526 employers (2026 Q1); +0.9% jobs and +7.5% average weekly wage over the year
- 35th pct · 2,072nd of 3,221 US counties · median 8,232
- 47th pct · 61st of 115 Missouri counties · median 4,996
- 30th pct · 10th of 14 counties in the Kansas City metro · median 15,305
| Item | Value | Distance |
|---|---|---|
| Clinton County, MO | 4,719 jobs · $957/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 363 | $400 | 0.86 | +5.2% |
| Retail trade | 357 | $602 | 0.78 | -4.5% |
| Construction | 279 | $1,096 | 1.13 | -17.7% |
| Manufacturing | 265 | $890 | 0.70 | +0.4% |
| Finance and insurance | 183 | $1,578 | 0.95 | +4.0% |
| Administrative and waste services | 142 | $905 | 0.53 | -6.6% |
| Transportation and warehousing | 117 | $1,057 | 0.59 | +30.0% |
| Other services | 103 | $748 | 0.73 | -18.3% |
| Wholesale trade | 75 | $1,282 | 0.41 | +0.0% |
| Arts, entertainment and recreation | 51 | $486 | 0.66 | -12.1% |
| Real estate and rental | 27 | $265 | 0.37 | +0.0% |
| Information | 24 | $1,204 | 0.28 | -14.3% |
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 #
$526.1 m in deposits at 11 offices of 8 banks (SOD June 2026); HHI 1,820, highly concentrated. $161.5 m federal obligations in FY2026 (direct payments $143.6 m, grants $17.9 m), $34,233 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers State Bank | $170.8 m · 32.5% share · 2 offices | |
| BTC Bank | $81.6 m · 15.5% share · 2 offices | |
| The Union State Bank of Everest | $74.7 m · 14.2% share · 2 offices | |
| Clinton, MO | $161.5 m FY2026 · $34,233/job | |
| MULTIPLE RECIPIENTS | $141.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers State Bank | $170,813,000 | 32.5% | 2 |
| BTC Bank | $81,597,000 | 15.5% | 2 |
| The Union State Bank of Everest | $74,712,000 | 14.2% | 2 |
| U.S. Bank National Association | $57,060,000 | 10.8% | 1 |
| Goppert Financial Bank | $54,933,000 | 10.4% | 1 |
| The Central Trust Bank | $39,548,000 | 7.5% | 1 |
| The Hamilton Bank | $24,833,000 | 4.7% | 1 |
| First Security Bank | $22,627,000 | 4.3% | 1 |
Deposit concentration is 1,820 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 32.5² + 15.5² + 14.2² + … (5 more) = 1,820
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 | $118,090,496 |
| Department of Veterans Affairs | $33,770,430 |
| Railroad Retirement Board | $3,638,594 |
| Department of Transportation | $3,397,220 |
| Department of Agriculture | $2,387,140 |
| Department of Housing and Urban Development | $184,875 |
| Federal Communications Commission | $77,498 |
| Department of the Interior | $0 |
That is $34,233 per covered job, against 4,719 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $161.5 m / 4,719 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,233
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 #
Clinton County, MO: 5 findings, 1 at a watch level and 4 noted
watchClinton County, MO's average weekly wage of $957 scores 31 on the 0-to-100 scale across US counties but 68 across Missouri counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |31 across US counties - 68 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteClinton County, MO's average weekly wage was 7.5% 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
- +7.5 % = 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
noteClinton County, MO's covered employment was 0.9% 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
- +0.9 % = 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
noteClinton County, MO's typical home value rose 0.4% from $291,269 in July 2026 to $292,529 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (292528.660384983 - 291268.9829298902) / 291268.9829298902 × 100
- 292528.660384983 = Zillow ZHVI, 2026-08
- 291268.9829298902 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Clinton County, MO is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.