Harrison County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.35, -93.99.
Assembled 2026-10-07. Read the brief.
- 10th pct · 2,730th of 3,063 US counties · median $234,566
- 8th pct · 104th of 113 Missouri counties · median $224,499
- 69th pct · 938th of 3,063 US counties · median +2.9%
- 46th pct · 61st of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 20th pct · 2,558th of 3,221 US counties · median 8,232
- 24th pct · 87th of 115 Missouri counties · median 4,996
- 8th pct · 2,943rd of 3,221 US counties · median $1,039
- 24th pct · 87th of 115 Missouri counties · median $902
- 24th pct · 2,323rd of 3,063 US counties · median 4.3
- 13th pct · 98th 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 $136,168 (Aug 2026), +4.7% over one year, +29.5% over five
- 10th pct · 2,730th of 3,063 US counties · median $234,566
- 8th pct · 104th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Harrison County, MO | $136,168 · +4.7% 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 $745 a month on $136,168 at 7.28%, against an average weekly wage worth $3,575 a month: 20.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $136,168 × 80% = $108,934, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $745/mo principal and interest
- wage share = payment / (avg weekly wage $825 × 52 / 12 = $3,575) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $136,168 / ($825 × 52) = 3.2
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 #
2,527 jobs at 285 employers (2026 Q1); +2.2% jobs and +3.6% average weekly wage over the year
- 20th pct · 2,558th of 3,221 US counties · median 8,232
- 24th pct · 87th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Harrison County, MO | 2,527 jobs · $825/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 657 | $732 | 2.67 | -0.6% |
| Health care and social assistance | 218 | $922 | 0.57 | +10.1% |
| Finance and insurance | 136 | $1,422 | 1.32 | +11.5% |
| Wholesale trade | 85 | $850 | 0.88 | +0.0% |
| Manufacturing | 65 | $832 | 0.32 | -11.0% |
| Transportation and warehousing | 44 | $842 | 0.41 | +4.8% |
| Other services | 39 | $715 | 0.52 | -20.4% |
| Information | 34 | $1,110 | 0.73 | +3.0% |
| Construction | 33 | $626 | 0.25 | -5.7% |
| Administrative and waste services | 31 | $1,432 | 0.22 | +0.0% |
| Real estate and rental | 7 | $801 | 0.18 | +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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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) | 38 km |
| Marceline Lake near Marceline, MO | 1,909 Acre-ft (USGS, no capacity on file) | 114 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 #
14 gauges · 0 flooding · 3 with quality panels averaging 75 % · 2 stale
Sites found: 14, 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 |
|---|---|---|
| East Fork Big Creek near Bethany, MO | flow 51.8 ft³/s | 6 km |
| East Fork Grand River at Albany, MO | flow 277.0 ft³/s | 33 km |
| Thompson River at Davis City, IA | flow 1,020 ft³/s | 36 km |
| Grand River near Pattonsburg, MO | flow 1,160 ft³/s | 37 km |
| Thompson River at Trenton, MO | flow 2,380 ft³/s | 43 km |
| Grand River near Gallatin, MO | flow 2,060 ft³/s | 47 km |
| Weldon River near Leon, IA | flow 0.15 ft³/s · STALE | 49 km |
| Medicine Creek near Laredo, MO | flow 133.0 ft³/s · quality 75 % (2) | 59 km |
| Medicine Creek at Lucerne, MO | stage 5.70 ft · quality 50 % (1) | 61 km |
| Mozingo Creek near Pickering, MO | flow 13.9 ft³/s · quality 100 % (2) | 67 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 #
6 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 6, 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 14.3 ft · 2026-10-05 | 21 km |
| Sand and gravel aquifers (glaciated regions) | depth 2.63 ft · 2026-10-06 | 24 km |
| Sand and gravel aquifers (glaciated regions) | depth 134.4 ft · 2026-10-05 | 29 km |
| Sand and gravel aquifers (glaciated regions) | depth 78.1 ft · 2026-10-05 | 36 km |
| Sand and gravel aquifers (glaciated regions) | depth 3.04 ft · 2026-10-05 | 56 km |
| Alluvial aquifers | depth 0.83 ft · 2026-10-05 | 74 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 (0.09)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.25 / 0.55
Banks & federal dollars #
$424.3 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 4,923, highly concentrated. $56.8 m federal obligations in FY2026 (direct payments $52.0 m, grants $4.7 m), $22,464 per covered job
| Item | Value | Distance |
|---|---|---|
| BTC Bank | $286.2 m · 67.4% share · 2 offices | |
| Farmers Bank of Northern Missouri | $69.3 m · 16.3% share · 1 office | |
| Verimore Bank | $37.6 m · 8.9% share · 1 office | |
| Harrison, MO | $56.8 m FY2026 · $22,464/job | |
| MULTIPLE RECIPIENTS | $48.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| BTC Bank | $286,163,000 | 67.4% | 2 |
| Farmers Bank of Northern Missouri | $69,295,000 | 16.3% | 1 |
| Verimore Bank | $37,599,000 | 8.9% | 1 |
| Bank Northwest | $19,722,000 | 4.6% | 1 |
| First Interstate Bank | $11,515,000 | 2.7% | 1 |
Deposit concentration is 4,923 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 = 67.4² + 16.3² + 8.9² + … (2 more) = 4,923
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 | $42,926,257 |
| Department of Veterans Affairs | $4,682,582 |
| Department of Transportation | $4,268,014 |
| Department of Agriculture | $3,758,097 |
| Railroad Retirement Board | $557,566 |
| Department of Housing and Urban Development | $400,571 |
| Federal Communications Commission | $122,805 |
| Department of Education | $48,802 |
| Department of Defense | $2,622 |
That is $22,464 per covered job, against 2,527 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $56.8 m / 2,527 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,464
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 #
Harrison County, MO: 7 findings, 7 noted
noteHarrison County, MO's average weekly wage 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
noteHarrison County, MO's covered employment was 2.2% 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
- +2.2 % = 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
noteHarrison County, MO's typical home value rose 0.5% from $135,509 in July 2026 to $136,168 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (136167.84669781625 - 135509.29226556045) / 135509.29226556045 × 100
- 136167.84669781625 = Zillow ZHVI, 2026-08
- 135509.29226556045 = Zillow ZHVI, 2026-07
noteHarrison County, MO's typical home value of $136,168 ranks 104th of 113 Missouri counties, against a median of $224,499.
Period 2026-08.Show the arithmetic
- 8 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
noteHarrison County, MO's average weekly wage of $825 ranks 2,943rd of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 9 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 7 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.