Franklin County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.41, -91.07.
Assembled 2026-10-07. Read the brief.
- 61st pct · 1,185th of 3,063 US counties · median $234,566
- 81st pct · 22nd of 113 Missouri counties · median $224,499
- 57th pct · 7th of 15 counties in the St. Louis metro · median $223,520
- 74th pct · 767th of 3,063 US counties · median +2.9%
- 58th pct · 48th of 113 Missouri counties · median +4.9%
- 64th pct · 6th of 15 counties in the St. Louis metro · median +3.8%
- 24th pct · 1,050th of 1,399 US counties · median $1,496
- 52nd pct · 17th of 35 Missouri counties · median $1,231
- 12th pct · 8th of 9 counties in the St. Louis metro · median $1,332
- 81st pct · 610th of 3,221 US counties · median 8,232
- 88th pct · 14th of 115 Missouri counties · median 4,996
- 57th pct · 7th of 15 counties in the St. Louis metro · median 12,995
- 51st pct · 1,556th of 3,221 US counties · median $1,039
- 87th pct · 15th of 115 Missouri counties · median $902
- 57th pct · 7th of 15 counties in the St. Louis metro · median $1,033
- 63rd pct · 1,115th of 3,063 US counties · median 4.3
- 62nd pct · 43rd of 113 Missouri counties · median 4.8
- 57th pct · 7th of 15 counties in the St. Louis metro · median 4.2
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 $268,350 (Aug 2026), +5.3% over one year, +26.2% over five
- 61st pct · 1,185th of 3,063 US counties · median $234,566
- 81st pct · 22nd of 113 Missouri counties · median $224,499
- 57th pct · 7th of 15 counties in the St. Louis metro · median $223,520
| Item | Value | Distance |
|---|---|---|
| Franklin County, MO | $268,350 · +5.3% 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 #
Typical rent $1,232/mo (Aug 2026), +5.9% over one year; price-to-rent 18.2
- 24th pct · 1,050th of 1,399 US counties · median $1,496
- 52nd pct · 17th of 35 Missouri counties · median $1,231
- 12th pct · 8th of 9 counties in the St. Louis metro · median $1,332
| Item | Value | Distance |
|---|---|---|
| Franklin County, MO | $1,232/mo · +5.9% 1-yr |
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 $1,469 a month on $268,350 at 7.28%, against an average weekly wage worth $4,528 a month: 32.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $268,350 × 80% = $214,680, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,469/mo principal and interest
- wage share = payment / (avg weekly wage $1,045 × 52 / 12 = $4,528) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $268,350 / ($1,045 × 52) = 4.9
- price-to-rent = $268,350 / ($1,232 × 12) = 18.2
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 #
39,666 jobs at 3,205 employers (2026 Q1); +0.1% jobs and +2.6% average weekly wage over the year
- 81st pct · 610th of 3,221 US counties · median 8,232
- 88th pct · 14th of 115 Missouri counties · median 4,996
- 57th pct · 7th of 15 counties in the St. Louis metro · median 12,995
| Item | Value | Distance |
|---|---|---|
| Franklin County, MO | 39,666 jobs · $1,045/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,067 | $1,320 | 2.84 | -0.4% |
| Retail trade | 5,144 | $687 | 1.33 | +0.2% |
| Health care and social assistance | 4,226 | $1,282 | 0.71 | +0.0% |
| Accommodation and food services | 3,703 | $431 | 1.04 | +1.7% |
| Construction | 3,049 | $1,112 | 1.47 | +7.7% |
| Transportation and warehousing | 1,585 | $1,063 | 0.95 | -2.9% |
| Administrative and waste services | 1,273 | $817 | 0.56 | +1.8% |
| Professional and technical services | 1,261 | $1,114 | 0.46 | -8.2% |
| Finance and insurance | 1,060 | $1,395 | 0.66 | -1.0% |
| Other services | 1,031 | $737 | 0.87 | -3.3% |
| Wholesale trade | 957 | $1,499 | 0.63 | -2.5% |
| Arts, entertainment and recreation | 574 | $544 | 0.88 | +0.2% |
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 | 1,044 Acre-ft (USGS, no capacity on file) | 142 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 #
64 gauges · 0 flooding · 6 with quality panels averaging 95 % · 7 stale
Sites found: 64, 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 Hermann, MO | flow 167,000 ft³/s · quality 70 % (5) | 46 km |
| Bourbeuse River at Union, MO | flow 74.2 ft³/s | 8 km |
| Missouri River at Washington, MO | flow 180,000 ft³/s | 17 km |
| Missouri River near Labadie, MO | flow 180,000 ft³/s · quality 100 % (1) | 27 km |
| Meramec River near Sullivan, MO | flow 278.0 ft³/s | 28 km |
| Meramec River at Pacific, MO | flow 399.0 ft³/s | 30 km |
| Fox Creek at Allenton, MO | flow 0.98 ft³/s · STALE | 35 km |
| Big River at Byrnesville, MO | flow 112.0 ft³/s · quality 100 % (2) | 38 km |
| Bonhomme Creek near Ellisville, MO | flow 0.31 ft³/s | 41 km |
| Big River near Richwoods, MO | flow 88.0 ft³/s | 43 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 #
31 wells in 3 named aquifers: Ozark Plateaus aquifer system, Cambrian-Ordovician aquifer system, Alluvial aquifers
Sites found: 31, 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 |
|---|---|---|
| Ozark Plateaus aquifer system | depth 65.2 ft · 2026-10-05 | 10 km |
| Ozark Plateaus aquifer system | depth 177.5 ft · 2026-10-05 | 25 km |
| Ozark Plateaus aquifer system | depth 44.0 ft · 2026-10-05 | 25 km |
| Cambrian-Ordovician aquifer system | depth 43.7 ft · 2026-10-05 | 33 km |
| Ozark Plateaus aquifer system | depth 212.1 ft · 2026-09-26 | 34 km |
| Ozark Plateaus aquifer system | depth 153.5 ft · 2026-10-05 | 35 km |
| Ozark Plateaus aquifer system | depth 208.0 ft · 2026-10-05 | 36 km |
| Ozark Plateaus aquifer system | depth 111.4 ft · 2026-10-05 | 38 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 #
$3.9 bn in deposits at 41 offices of 17 banks (SOD June 2026); HHI 1,237, moderately concentrated. $732.0 m federal obligations in FY2026 (direct payments $707.9 m, grants $23.6 m), $18,453 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Washington | $832.2 m · 21.2% share · 6 offices | |
| SULLIVAN BANK | $710.5 m · 18.1% share · 5 offices | |
| United Bank of Union | $491.1 m · 12.5% share · 3 offices | |
| Franklin, MO | $732.0 m FY2026 · $18,453/job | |
| MULTIPLE RECIPIENTS | $698.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Washington | $832,174,000 | 21.2% | 6 |
| SULLIVAN BANK | $710,480,000 | 18.1% | 5 |
| United Bank of Union | $491,079,000 | 12.5% | 3 |
| Bank of Franklin County | $330,923,000 | 8.4% | 4 |
| First State Community Bank | $323,307,000 | 8.2% | 4 |
| Citizens Bank | $305,372,000 | 7.8% | 4 |
| U.S. Bank National Association | $296,111,000 | 7.5% | 3 |
| Heritage Community Bank | $182,404,000 | 4.6% | 2 |
| Farmers and Merchants Bank of St. Clair | $174,177,000 | 4.4% | 2 |
| Bank Star | $80,100,000 | 2.0% | 1 |
Deposit concentration is 1,237 across 17 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 17 banks with deposits in the county = 21.2² + 18.1² + 12.5² + … (14 more) = 1,237
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 | $626,165,260 |
| Department of Veterans Affairs | $67,685,691 |
| Department of Transportation | $22,471,943 |
| Department of Education | $6,379,920 |
| Railroad Retirement Board | $4,095,340 |
| Department of Agriculture | $3,338,356 |
| Department of Health and Human Services | $863,572 |
| Federal Communications Commission | $841,652 |
| Department of Defense | $326,307 |
| Department of Housing and Urban Development | $121,296 |
| Small Business Administration | $18,900 |
| Department of Justice | $12,392 |
That is $18,453 per covered job, against 39,666 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $732.0 m / 39,666 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,453
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 #
Franklin County, MO: 8 findings, 1 at a watch level and 7 noted
watchFranklin County, MO's average weekly wage of $1,045 scores 52 on the 0-to-100 scale across US counties but 88 across Missouri counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |52 across US counties - 88 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteFranklin County, MO's average weekly wage was 2.6% 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
- +2.6 % = 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
noteFranklin County, MO's typical asking rent fell 0.4% from $1,237 in July 2026 to $1,232 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1231.888888888889 - 1237.1168881041508) / 1237.1168881041508 × 100
- 1231.888888888889 = Zillow ZORI, 2026-08
- 1237.1168881041508 = Zillow ZORI, 2026-07
noteFranklin County, MO's typical home value rose 0.3% from $267,488 in July 2026 to $268,350 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (268349.8931082901 - 267488.40794804826) / 267488.40794804826 × 100
- 268349.8931082901 = Zillow ZHVI, 2026-08
- 267488.40794804826 = Zillow ZHVI, 2026-07
noteFranklin County, MO's covered employment was 0.1% 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
- +0.1 % = 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
Read all 8 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.