Douglas County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.95, -92.52.
Assembled 2026-10-06. Read the brief.
- 52nd pct · 1,462nd of 3,063 US counties · median $234,566
- 64th pct · 41st of 113 Missouri counties · median $224,499
- 84th pct · 485th of 3,063 US counties · median +2.9%
- 75th pct · 29th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 20th pct · 2,576th of 3,221 US counties · median 8,232
- 23rd pct · 88th of 115 Missouri counties · median 4,996
- 4th pct · 3,069th of 3,221 US counties · median $1,039
- 12th pct · 101st of 115 Missouri counties · median $902
- 78th pct · 659th of 3,063 US counties · median 4.3
- 89th pct · 13th 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 $241,260 (Aug 2026), +6.6% over one year, +44.7% over five
- 52nd pct · 1,462nd of 3,063 US counties · median $234,566
- 64th pct · 41st of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Douglas County, MO | $241,260 · +6.6% 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 $1,321 a month on $241,260 at 7.28%, against an average weekly wage worth $3,371 a month: 39.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $241,260 × 80% = $193,008, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,321/mo principal and interest
- wage share = payment / (avg weekly wage $778 × 52 / 12 = $3,371) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $241,260 / ($778 × 52) = 6.0
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 #
2,448 jobs at 300 employers (2026 Q1); -1.9% jobs and +7.6% average weekly wage over the year
- 20th pct · 2,576th of 3,221 US counties · median 8,232
- 23rd pct · 88th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Douglas County, MO | 2,448 jobs · $778/wk · -1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 456 | $961 | 2.32 | +0.0% |
| Retail trade | 411 | $585 | 1.72 | -3.3% |
| Accommodation and food services | 155 | $377 | 0.70 | -9.9% |
| Administrative and waste services | 85 | $768 | 0.61 | -5.6% |
| Construction | 84 | $586 | 0.65 | -25.0% |
| Finance and insurance | 74 | $991 | 0.74 | +13.8% |
| Professional and technical services | 59 | $891 | 0.35 | +11.3% |
| Wholesale trade | 38 | $742 | 0.41 | +0.0% |
| Other services | 36 | $1,071 | 0.49 | +0.0% |
| Information | 15 | $767 | 0.33 | +0.0% |
| Real estate and rental | 4 | $310 | 0.11 | +0.0% |
| Arts, entertainment and recreation | 3 | $535 | 0.07 | -25.0% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
21 gauges · 0 flooding · 4 with quality panels averaging 100 % · 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 |
|---|---|---|
| USGS-07054288 | flow 0.00 ft³/s · no flooding | 30 km |
| USGS-07054080 | flow 19.5 ft³/s · no flooding | 39 km |
| USGS-07058000 | flow 137.0 ft³/s · no flooding | 40 km |
| USGS-07057500 | flow 290.0 ft³/s · no flooding | 43 km |
| White River (MO) at Ozark Beach Dam | no readings | 63 km |
| USGS-07054501 | DO 9.30 mg/l · quality 100 % (2) | 65 km |
| White River at Bull Shoals Dam | no readings | 65 km |
| USGS-07050700 | flow 16.3 ft³/s · no flooding | 65 km |
| USGS-07054502 | DO 12.2 mg/l · quality 100 % (2) | 65 km |
| USGS-07050690 | flow 5.60 ft³/s · no flooding | 66 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 #
17 wells in 0 named aquifers:
Sites found: 17, 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 |
|---|---|---|
| MO005-365602092395101 | depth 305.6 ft · 2026-10-05 | 13 km |
| MO005-370624092244701 | depth 600.4 ft · 2026-10-05 | 20 km |
| MO005-365559092030001 | depth 208.6 ft · 2026-10-05 | 41 km |
| MO005-363436092391001 | depth 44.1 ft · 2026-10-05 | 43 km |
| MO005-371800092094801 | depth 278.8 ft · 2026-10-05 | 50 km |
| MO005-370655093035301 | depth 218.6 ft · 2026-10-05 | 52 km |
| USGS-372022092542201 | depth 235.1 ft · 2017-02-07 | 56 km |
| MO005-364324091515001 | depth 230.9 ft · 2026-10-05 | 61 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 #
moderate (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$263.2 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,406, highly concentrated. $103.5 m federal obligations in FY2026 (direct payments $96.6 m, grants $6.2 m), $42,272 per covered job
| Item | Value | Distance |
|---|---|---|
| Town & Country Bank | $85.1 m · 32.3% share · 1 office | |
| Century Bank of the Ozarks | $66.6 m · 25.3% share · 1 office | |
| Great Southern Bank | $53.8 m · 20.4% share · 1 office | |
| Douglas, MO | $103.5 m FY2026 · $42,272/job | |
| MULTIPLE RECIPIENTS | $85.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Town & Country Bank | $85,090,000 | 32.3% | 1 |
| Century Bank of the Ozarks | $66,572,000 | 25.3% | 1 |
| Great Southern Bank | $53,784,000 | 20.4% | 1 |
| Stockmens Bank | $43,658,000 | 16.6% | 1 |
| HomePride Bank | $14,094,000 | 5.4% | 1 |
Deposit concentration is 2,406 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 = 32.3² + 25.3² + 20.4² + … (2 more) = 2,406
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 | $74,741,362 |
| Department of Veterans Affairs | $10,755,063 |
| Department of Agriculture | $9,923,891 |
| Department of Health and Human Services | $3,796,958 |
| Department of Housing and Urban Development | $3,434,827 |
| Federal Communications Commission | $518,351 |
| Railroad Retirement Board | $295,503 |
| Department of Education | $9,484 |
| Small Business Administration | $8,194 |
| Department of Homeland Security | -$7 |
| Department of Justice | -$1,778 |
That is $42,272 per covered job, against 2,448 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $103.5 m / 2,448 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $42,272
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 #
Douglas County, MO: 6 findings, 1 at a watch level and 5 noted
watchDouglas County, MO's covered employment is -1.9% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDouglas County, MO's average weekly wage was 7.6% 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
- +7.6 % = 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
noteDouglas County, MO's covered employment was 1.9% lower 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
- -1.9 % = 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
noteDouglas County, MO's typical home value rose 0.9% from $239,152 in July 2026 to $241,260 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.9% = (241259.89310566863 - 239152.39138341244) / 239152.39138341244 × 100
- 241259.89310566863 = Zillow ZHVI, 2026-08
- 239152.39138341244 = Zillow ZHVI, 2026-07
noteDouglas County, MO's average weekly wage of $778 ranks 3,069th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 5 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
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.