Daviess County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.96, -93.97.
Assembled 2026-10-06. Read the brief.
- 66th pct · 1,035th of 3,063 US counties · median $234,566
- 85th pct · 17th of 113 Missouri counties · median $224,499
- 94th pct · 165th of 3,063 US counties · median +2.9%
- 88th pct · 14th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 15th pct · 2,729th of 3,221 US counties · median 8,232
- 18th pct · 94th of 115 Missouri counties · median 4,996
- 5th pct · 3,057th of 3,221 US counties · median $1,039
- 13th pct · 100th of 115 Missouri counties · median $902
- 88th pct · 351st of 3,063 US counties · median 4.3
- 97th pct · 4th 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 $286,865 (Aug 2026), +9.3% over one year, +47.8% over five
- 66th pct · 1,035th of 3,063 US counties · median $234,566
- 85th pct · 17th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Daviess County, MO | $286,865 · +9.3% 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 $1,570 a month on $286,865 at 7.28%, against an average weekly wage worth $3,393 a month: 46.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $286,865 × 80% = $229,492, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,570/mo principal and interest
- wage share = payment / (avg weekly wage $783 × 52 / 12 = $3,393) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $286,865 / ($783 × 52) = 7.0
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 #
1,902 jobs at 303 employers (2026 Q1); +3.4% jobs and +4.4% average weekly wage over the year
- 15th pct · 2,729th of 3,221 US counties · median 8,232
- 18th pct · 94th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Daviess County, MO | 1,902 jobs · $783/wk · +3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 247 | $646 | 1.33 | -7.8% |
| Construction | 237 | $1,161 | 2.38 | +16.2% |
| Health care and social assistance | 207 | $572 | 0.72 | +16.9% |
| Agriculture, forestry, fishing | 196 | $895 | 14.27 | +0.0% |
| Manufacturing | 125 | $773 | 0.82 | -1.6% |
| Wholesale trade | 107 | $1,004 | 1.47 | +18.9% |
| Finance and insurance | 54 | $1,071 | 0.70 | -1.8% |
| Professional and technical services | 18 | $1,080 | 0.14 | +0.0% |
| Real estate and rental | 3 | $408 | 0.10 | +0.0% |
| Utilities | withheld | |||
| Transportation and warehousing | 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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| Stanberry Lake near Gentry, MO | 1,357 Acre-ft (USGS, no capacity on file) | 53 km |
| Marceline Lake near Marceline, MO | 1,909 Acre-ft (USGS, no capacity on file) | 90 km |
| Concordia Lake near Concordia, MO | 2,372 Acre-ft (USGS, no capacity on file) | 119 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 #
18 gauges · 0 flooding · 3 with quality panels averaging 68 % · 3 stale
Sites found: 18, 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 |
|---|---|---|
| Grand River near Sumner, MO | flow 7,340 ft³/s · quality 80 % (5) | 69 km |
| Grand River near Gallatin, MO | flow 2,220 ft³/s | 5 km |
| Grand River near Pattonsburg, MO | flow 1,220 ft³/s | 15 km |
| Thompson River at Trenton, MO | flow 2,510 ft³/s | 31 km |
| Shoal Creek near Braymer, MO | flow 40.9 ft³/s | 33 km |
| East Fork Big Creek near Bethany, MO | flow 57.6 ft³/s | 37 km |
| Grand River at Chillicothe, MO | stage 10.6 ft | 42 km |
| East Fork Grand River at Albany, MO | flow 300.0 ft³/s | 46 km |
| Medicine Creek near Laredo, MO | flow 141.0 ft³/s · quality 75 % (2) | 46 km |
| Little Platte River near Osborn, MO | flow 3.10 ft³/s · STALE | 47 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 #
9 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 9, 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 |
|---|---|---|
| Sand and gravel aquifers (glaciated regions) | depth 78.1 ft · 2026-10-05 | 6 km |
| Sand and gravel aquifers (glaciated regions) | depth 134.4 ft · 2026-10-05 | 13 km |
| Sand and gravel aquifers (glaciated regions) | depth 2.52 ft · 2026-10-05 | 37 km |
| Sand and gravel aquifers (glaciated regions) | depth 18.7 ft · 2026-10-05 | 42 km |
| Sand and gravel aquifers (glaciated regions) | depth 14.3 ft · 2026-10-05 | 56 km |
| Sand and gravel aquifers (glaciated regions) | depth 15.7 ft · 2026-10-05 | 64 km |
| USGS-394508093132101 | depth 3.95 ft · 2017-01-23 | 68 km |
| USGS-392310094154301 | depth 6.91 ft · 2016-06-21 | 69 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 (0.12)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.32 / 0.55
Banks & federal dollars #
$262.9 m in deposits at 5 offices of 2 banks (SOD June 2026); HHI 5,270, highly concentrated. $55.4 m federal obligations in FY2026 (direct payments $54.0 m, grants $1.3 m), $29,106 per covered job
| Item | Value | Distance |
|---|---|---|
| BTC Bank | $162.0 m · 61.6% share · 3 offices | |
| Farmers Bank of Northern Missouri | $100.9 m · 38.4% share · 2 offices | |
| Daviess, MO | $55.4 m FY2026 · $29,106/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| BTC Bank | $162,031,000 | 61.6% | 3 |
| Farmers Bank of Northern Missouri | $100,888,000 | 38.4% | 2 |
Deposit concentration is 5,270 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 61.6² + 38.4² = 5,270
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 #
That is $29,106 per covered job, against 1,902 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $55.4 m / 1,902 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,106
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 #
Daviess County, MO: 9 findings, 9 noted
noteDaviess County, MO's average weekly wage 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
noteDaviess County, MO's covered employment was 3.4% 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
- +3.4 % = 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
noteDaviess County, MO's momentum index of 0.90 ranks 38th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 99 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
noteDaviess County, MO's momentum index of 0.90 ranks 3rd of 115 Missouri counties, against a median of 0.41.
Period 2026-08.Show the arithmetic
- 98 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
noteDaviess County, MO's years of wages of 7.0 ranks 4th of 113 Missouri counties, against a median of 4.8.
Period 2026-08.Show the arithmetic
- 97 on the 0-to-100 scale across 113 Missouri counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
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.