Holt County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.10, -95.22.
Assembled 2026-10-07. Read the brief.
- US counties: not published this period
- Missouri counties: not published this period
- US counties: not published this period
- Missouri counties: not published this period
- US counties: not published this period
- Missouri counties: not published this period
- 9th pct · 2,922nd of 3,221 US counties · median 8,232
- 5th pct · 109th of 115 Missouri counties · median 4,996
- 15th pct · 2,729th of 3,221 US counties · median $1,039
- 39th pct · 70th of 115 Missouri counties · median $902
- US counties: not published this period
- Missouri counties: not published this period
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 #
No Zillow home value index for this area
- US counties: not published this period
- Missouri counties: not published this period
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 #
No rent index for this area
- 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 #
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 #
1,298 jobs at 182 employers (2026 Q1); -0.1% jobs and +0.3% average weekly wage over the year
- 9th pct · 2,922nd of 3,221 US counties · median 8,232
- 5th pct · 109th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Holt County, MO | 1,298 jobs · $876/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 163 | $575 | 1.29 | +14.8% |
| Health care and social assistance | 137 | $659 | 0.70 | -6.2% |
| Administrative and waste services | 124 | $1,175 | 1.68 | +3.3% |
| Wholesale trade | 79 | $1,248 | 1.59 | -1.2% |
| Finance and insurance | 44 | $949 | 0.83 | +41.9% |
| Real estate and rental | 6 | $509 | 0.30 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | 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 |
|---|---|---|
| Stanberry Lake near Gentry, MO | 1,357 Acre-ft (USGS, no capacity on file) | 70 km |
| PERRY LK NR PERRY, KS | 298,400 Acre-ft (USGS, no capacity on file) | 111 km |
| CLINTON LK NR LAWRENCE, KS | 128,900 Acre-ft (USGS, no capacity on file) | 130 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 #
26 gauges · 0 flooding · 2 with quality panels averaging 94 % · 6 stale
Sites found: 26, 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 |
|---|---|---|
| Davis Creek near Mound City, MO | flow 0.90 ft³/s · STALE | 4 km |
| Minnesota Valley Creek near Mound City, MO | flow 4.80 ft³/s · STALE | 8 km |
| Nodaway River near Graham, MO | flow 2,380 ft³/s | 17 km |
| Missouri River at Rulo, NE | flow 48,400 ft³/s | 18 km |
| Tarkio River at Fairfax, MO | flow 366.0 ft³/s | 31 km |
| One Hundred Two River near Bolckow, MO | flow 643.0 ft³/s | 33 km |
| Big Nemaha River at Falls City, Nebr. | flow 747.0 ft³/s | 33 km |
| Nodaway River near Burlington Junction, MO | flow 1,860 ft³/s | 40 km |
| One Hundred and Two River at Maryville, MO | flow 336.0 ft³/s | 43 km |
| Missouri River at St. Joseph, MO | flow 56,600 ft³/s · quality 88 % (4) | 49 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: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
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 |
|---|---|---|
| USGS-395600095104901 | depth 3.50 ft · 1996-11-04 | 18 km |
| USGS-395502095113301 | depth 6.51 ft · 1996-11-04 | 20 km |
| USGS-395347095073001 | depth 0.48 ft · 1996-11-04 | 24 km |
| Alluvial aquifers | depth 1.20 ft · 2026-10-05 | 25 km |
| USGS-395308095052001 | depth 1.51 ft · 1996-11-04 | 26 km |
| USGS-395212095045701 | depth 13.5 ft · 2011-01-03 | 28 km |
| USGS-395200095051801 | depth 7.65 ft · 1996-09-30 | 28 km |
| USGS-395155095051901 | depth 12.4 ft · 1996-11-04 | 28 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 + 0.2×0.06 / 0.55
Banks & federal dollars #
$174.4 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,434, highly concentrated. $31.8 m federal obligations in FY2026 (direct payments $30.7 m, grants $1.1 m), $24,523 per covered job
| Item | Value | Distance |
|---|---|---|
| The Nodaway Valley Bank | $62.4 m · 35.8% share · 1 office | |
| BTC Bank | $39.7 m · 22.8% share · 1 office | |
| Connections Bank | $30.7 m · 17.6% share · 1 office | |
| Holt, MO | $31.8 m FY2026 · $24,523/job | |
| MULTIPLE RECIPIENTS | $27.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Nodaway Valley Bank | $62,432,000 | 35.8% | 1 |
| BTC Bank | $39,691,000 | 22.8% | 1 |
| Connections Bank | $30,683,000 | 17.6% | 1 |
| Farmers State Bank | $28,623,000 | 16.4% | 2 |
| Citizens Bank & Trust | $12,961,000 | 7.4% | 1 |
Deposit concentration is 2,434 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 = 35.8² + 22.8² + 17.6² + … (2 more) = 2,434
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 | $24,956,887 |
| Department of Agriculture | $2,860,152 |
| Department of Veterans Affairs | $2,381,584 |
| Department of Transportation | $847,637 |
| Railroad Retirement Board | $467,816 |
| Department of Housing and Urban Development | $150,266 |
| Department of the Interior | $75,206 |
| Department of Education | $63,337 |
| Federal Communications Commission | $27,534 |
That is $24,523 per covered job, against 1,298 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $31.8 m / 1,298 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,523
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 #
Holt County, MO: 7 findings, 1 at a watch level and 6 noted
watchHolt County, MO's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHolt County, MO's average weekly wage was 0.3% 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
- +0.3 % = 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
noteHolt County, MO's covered employment was 0.1% 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
- -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
noteHolt County, MO's covered employment of 1,298 ranks 109th of 115 Missouri counties, against a median of 4,996.
Period 2026 Q1.Show the arithmetic
- 5 on the 0-to-100 scale across 115 Missouri counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteHolt County, MO's momentum index of 0.00 ranks 107th of 115 Missouri counties, against a median of 0.41.
Show the arithmetic
- 7 on the 0-to-100 scale across 115 Missouri 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 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.