Grundy County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.11, -93.57.
Assembled 2026-10-06. Read the brief.
- 6th pct · 2,851st of 3,063 US counties · median $234,566
- 4th pct · 108th of 113 Missouri counties · median $224,499
- 81st pct · 578th of 3,063 US counties · median +2.9%
- 68th pct · 36th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 24th pct · 2,431st of 3,221 US counties · median 8,232
- 32nd pct · 78th of 115 Missouri counties · median 4,996
- 9th pct · 2,925th of 3,221 US counties · median $1,039
- 25th pct · 86th of 115 Missouri counties · median $902
- 15th pct · 2,579th of 3,063 US counties · median 4.3
- 6th pct · 106th 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 $121,868 (Aug 2026), +6.1% over one year, +16.7% over five
- 6th pct · 2,851st of 3,063 US counties · median $234,566
- 4th pct · 108th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Grundy County, MO | $121,868 · +6.1% 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 $667 a month on $121,868 at 7.28%, against an average weekly wage worth $3,605 a month: 18.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $121,868 × 80% = $97,494, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $667/mo principal and interest
- wage share = payment / (avg weekly wage $832 × 52 / 12 = $3,605) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $121,868 / ($832 × 52) = 2.8
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 #
3,011 jobs at 298 employers (2026 Q1); +3.6% jobs and +4.4% average weekly wage over the year
- 24th pct · 2,431st of 3,221 US counties · median 8,232
- 32nd pct · 78th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Grundy County, MO | 3,011 jobs · $832/wk · +3.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 519 | $1,092 | 1.15 | +6.8% |
| Manufacturing | 355 | $1,142 | 1.47 | -3.3% |
| Retail trade | 338 | $592 | 1.15 | -3.7% |
| Finance and insurance | 70 | $1,136 | 0.57 | +1.4% |
| Other services | 55 | $490 | 0.61 | +7.8% |
| Wholesale trade | 49 | $973 | 0.42 | +6.5% |
| Construction | 48 | $869 | 0.30 | +29.7% |
| Information | 28 | $739 | 0.50 | -17.6% |
| Real estate and rental | 15 | $571 | 0.32 | -11.8% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 |
|---|---|---|
| Marceline Lake near Marceline, MO | 1,911 Acre-ft (USGS, no capacity on file) | 70 km |
| Stanberry Lake near Gentry, MO | 1,358 Acre-ft (USGS, no capacity on file) | 76 km |
| Concordia Lake near Concordia, MO | 2,372 Acre-ft (USGS, no capacity on file) | 131 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 #
23 gauges · 0 flooding · 4 with quality panels averaging 64 % · 4 stale
Sites found: 23, 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 8,340 ft³/s · quality 80 % (5) · no flooding | 58 km |
| Thompson River at Trenton, MO | flow 2,630 ft³/s · no flooding | 8 km |
| Medicine Creek near Laredo, MO | flow 148.0 ft³/s · quality 75 % (2) | 15 km |
| Muddy Creek near Chula, MO | flow 10.3 ft³/s · STALE | 30 km |
| Little East Locust Creek near Browning, MO | flow 9.68 ft³/s · STALE | 36 km |
| Locust Creek near Linneus, MO | flow 238.0 ft³/s · quality 50 % (1) | 37 km |
| Grand River near Gallatin, MO | flow 2,410 ft³/s · no flooding | 38 km |
| Grand River near Chillicothe | no flooding | 40 km |
| Grand River at Chillicothe, MO | stage 11.0 ft | 40 km |
| East Locust Creek near Boynton, MO | flow 20.1 ft³/s | 44 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 #
8 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 8, 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 2.52 ft · 2026-10-05 | 21 km |
| Sand and gravel aquifers (glaciated regions) | depth 134.4 ft · 2026-10-05 | 35 km |
| Sand and gravel aquifers (glaciated regions) | depth 78.1 ft · 2026-10-05 | 37 km |
| Sand and gravel aquifers (glaciated regions) | depth 14.3 ft · 2026-10-05 | 42 km |
| USGS-394508093132101 | depth 3.95 ft · 2017-01-23 | 50 km |
| Sand and gravel aquifers (glaciated regions) | depth 18.7 ft · 2026-10-05 | 50 km |
| Sand and gravel aquifers (glaciated regions) | depth 15.7 ft · 2026-10-05 | 51 km |
| Sand and gravel aquifers (glaciated regions) | depth 23.1 ft · 2026-10-05 | 68 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 (0.13)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.36 / 0.55
Banks & federal dollars #
$337.7 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,171, highly concentrated. $79.2 m federal obligations in FY2026 (direct payments $65.9 m, grants $13.3 m), $26,319 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers Bank of Northern Missouri | $91.4 m · 27.1% share · 1 office | |
| BTC Bank | $73.7 m · 21.8% share · 1 office | |
| Southern Bank | $71.3 m · 21.1% share · 1 office | |
| Grundy, MO | $79.2 m FY2026 · $26,319/job | |
| MULTIPLE RECIPIENTS | $56.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers Bank of Northern Missouri | $91,392,000 | 27.1% | 1 |
| BTC Bank | $73,695,000 | 21.8% | 1 |
| Southern Bank | $71,317,000 | 21.1% | 1 |
| U.S. Bank National Association | $70,123,000 | 20.8% | 1 |
| Farmers State Bank | $31,125,000 | 9.2% | 1 |
Deposit concentration is 2,171 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 = 27.1² + 21.8² + 21.1² + … (2 more) = 2,171
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 | $49,971,931 |
| Department of Transportation | $9,807,226 |
| Department of Veterans Affairs | $5,399,655 |
| Department of Education | $5,044,525 |
| Department of Agriculture | $4,182,166 |
| Department of Health and Human Services | $2,891,183 |
| Railroad Retirement Board | $1,483,350 |
| Department of Housing and Urban Development | $281,273 |
| Federal Communications Commission | $171,276 |
| Department of Homeland Security | $13,750 |
That is $26,319 per covered job, against 3,011 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $79.2 m / 3,011 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,319
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 #
Grundy County, MO: 12 findings, 12 noted
noteGrundy 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
noteGrundy County, MO's covered employment was 3.6% 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
- +3.6 % = 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
noteGrundy County, MO's typical home value rose 0.4% from $121,425 in July 2026 to $121,868 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (121867.77010252101 - 121424.84995049213) / 121424.84995049213 × 100
- 121867.77010252101 = Zillow ZHVI, 2026-08
- 121424.84995049213 = Zillow ZHVI, 2026-07
noteGrundy County, MO's momentum index of 0.79 ranks 103rd of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 97 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
noteGrundy County, MO's typical home value of $121,868 ranks 108th of 113 Missouri counties, against a median of $224,499.
Period 2026-08.Show the arithmetic
- 4 on the 0-to-100 scale across 113 Missouri counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 12 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.