DeKalb County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.89, -94.41.
Assembled 2026-10-06. Read the brief.
- 51st pct · 1,475th of 3,063 US counties · median $234,566
- 63rd pct · 42nd of 113 Missouri counties · median $224,499
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
- 76th pct · 724th of 3,063 US counties · median +2.9%
- 61st pct · 44th of 113 Missouri counties · median +4.9%
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Missouri counties: not published this period
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
- 21st pct · 2,524th of 3,221 US counties · median 8,232
- 26th pct · 85th of 115 Missouri counties · median 4,996
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
- 20th pct · 2,547th of 3,221 US counties · median $1,039
- 53rd pct · 54th of 115 Missouri counties · median $902
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
- 65th pct · 1,058th of 3,063 US counties · median 4.3
- 66th pct · 39th of 113 Missouri counties · median 4.8
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
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 $239,870 (Aug 2026), +5.5% over one year, +20.5% over five
- 51st pct · 1,475th of 3,063 US counties · median $234,566
- 63rd pct · 42nd of 113 Missouri counties · median $224,499
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| DeKalb County, MO | $239,870 · +5.5% 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 #
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 St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
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 $1,313 a month on $239,870 at 7.28%, against an average weekly wage worth $3,939 a month: 33.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $239,870 × 80% = $191,896, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,313/mo principal and interest
- wage share = payment / (avg weekly wage $909 × 52 / 12 = $3,939) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $239,870 / ($909 × 52) = 5.1
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 #
2,655 jobs at 285 employers (2026 Q1); +2.0% jobs and +4.5% average weekly wage over the year
- 21st pct · 2,524th of 3,221 US counties · median 8,232
- 26th pct · 85th of 115 Missouri counties · median 4,996
- counties in the St. Joseph metro: Rank context is unavailable: the manifest lists 4 counties in the St. Joseph metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| DeKalb County, MO | 2,655 jobs · $909/wk · +2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 621 | $647 | 2.40 | -2.1% |
| Wholesale trade | 156 | $1,338 | 1.53 | -10.9% |
| Accommodation and food services | 146 | $432 | 0.61 | +0.0% |
| Construction | 122 | $1,158 | 0.88 | -3.9% |
| Utilities | 111 | $2,556 | 10.59 | +0.0% |
| Transportation and warehousing | 111 | $1,024 | 0.99 | +0.0% |
| Finance and insurance | 102 | $1,121 | 0.94 | -3.8% |
| Other services | 62 | $733 | 0.78 | -3.1% |
| Administrative and waste services | 30 | $881 | 0.20 | +50.0% |
| Arts, entertainment and recreation | 25 | $286 | 0.57 | +0.0% |
| Real estate and rental | 19 | $815 | 0.47 | +0.0% |
| Agriculture, forestry, fishing | 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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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) | 44 km |
| PERRY LK NR PERRY, KS | 299,800 Acre-ft (USGS, no capacity on file) | 123 km |
| Marceline Lake near Marceline, MO | 1,909 Acre-ft (USGS, no capacity on file) | 123 km |
| Concordia Lake near Concordia, MO | 2,372 Acre-ft (USGS, no capacity on file) | 128 km |
| CLINTON LK NR LAWRENCE, KS | 128,900 Acre-ft (USGS, no capacity on file) | 133 km |
| HILLSDALE LK NR HILLSDALE, KS | 77,560 Acre-ft (USGS, no capacity on file) | 144 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 #
21 gauges · 0 flooding · 2 with quality panels averaging 88 % · 2 stale
Sites found: 21, 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 |
|---|---|---|
| Missouri River at St. Joseph, MO | flow 58,100 ft³/s · quality 75 % (4) | 41 km |
| Little Platte River near Osborn, MO | flow 3.10 ft³/s · STALE | 24 km |
| Grand River near Pattonsburg, MO | flow 1,270 ft³/s | 28 km |
| Platte River near Agency, MO | flow 1,890 ft³/s | 34 km |
| Little Platte River near Plattsburg, MO | flow 0.16 ft³/s | 36 km |
| East Fork Grand River at Albany, MO | flow 308.0 ft³/s | 40 km |
| Grand River near Gallatin, MO | flow 2,330 ft³/s | 40 km |
| One Hundred Two River near Bolckow, MO | flow 665.0 ft³/s | 44 km |
| East Fork Big Creek near Bethany, MO | flow 56.4 ft³/s | 55 km |
| Shoal Creek near Braymer, MO | flow 43.2 ft³/s | 57 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 #
22 wells in 2 named aquifers: Alluvial aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 22, 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 | 38 km |
| Alluvial aquifers | depth 8.09 ft · 2026-10-05 | 39 km |
| Sand and gravel aquifers (glaciated regions) | depth 134.4 ft · 2026-10-05 | 43 km |
| Alluvial aquifers | depth 12.0 ft · 2026-10-05 | 45 km |
| USGS-395212095045701 | depth 13.5 ft · 2011-01-03 | 58 km |
| USGS-392310094154301 | depth 6.91 ft · 2016-06-21 | 58 km |
| Alluvial aquifers | depth 1.20 ft · 2026-10-05 | 58 km |
| USGS-395308095052001 | depth 1.51 ft · 1996-11-04 | 58 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 (0.05)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.13 / 0.55
Banks & federal dollars #
$283.0 m in deposits at 7 offices of 5 banks (SOD June 2026); HHI 2,463, highly concentrated. $58.3 m federal obligations in FY2026 (direct payments $58.1 m, grants $169,239), $21,965 per covered job
| Item | Value | Distance |
|---|---|---|
| Independent Farmers Bank | $97.5 m · 34.4% share · 2 offices | |
| NBH Bank | $78.7 m · 27.8% share · 1 office | |
| BTC Bank | $46.8 m · 16.5% share · 2 offices | |
| DeKalb, MO | $58.3 m FY2026 · $21,965/job | |
| MULTIPLE RECIPIENTS | $55.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Independent Farmers Bank | $97,484,000 | 34.4% | 2 |
| NBH Bank | $78,728,000 | 27.8% | 1 |
| BTC Bank | $46,772,000 | 16.5% | 2 |
| First Security Bank | $34,286,000 | 12.1% | 1 |
| Bank Northwest | $25,745,000 | 9.1% | 1 |
Deposit concentration is 2,463 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 34.4² + 27.8² + 16.5² + … (2 more) = 2,463
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 | $49,288,438 |
| Department of Veterans Affairs | $5,396,658 |
| Department of Agriculture | $2,131,435 |
| Railroad Retirement Board | $1,044,196 |
| Department of Housing and Urban Development | $302,824 |
| Department of Education | $110,810 |
| Department of Transportation | $31,345 |
| Federal Communications Commission | $10,751 |
That is $21,965 per covered job, against 2,655 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $58.3 m / 2,655 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,965
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 #
DeKalb County, MO: 6 findings, 1 at a watch level and 5 noted
watchDeKalb County, MO's average weekly wage of $909 scores 21 on the 0-to-100 scale across US counties but 54 across Missouri counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |21 across US counties - 54 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteDeKalb County, MO's average weekly wage was 4.5% 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
- +4.5 % = 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
noteDeKalb County, MO's covered employment was 2.0% 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
- +2 % = 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
noteDeKalb County, MO's typical home value rose 0.8% from $238,030 in July 2026 to $239,870 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (239870.1155467865 - 238030.07902615066) / 238030.07902615066 × 100
- 239870.1155467865 = Zillow ZHVI, 2026-08
- 238030.07902615066 = Zillow ZHVI, 2026-07
noteDeKalb County, MO's momentum index of 0.65 ranks 263rd of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 92 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 6 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.