Laclede County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.66, -92.59.
Assembled 2026-10-07. Read the brief.
- 52nd pct · 1,443rd of 3,063 US counties · median $234,566
- 66th pct · 39th of 113 Missouri counties · median $224,499
- 75th pct · 764th of 3,063 US counties · median +2.9%
- 58th pct · 47th of 113 Missouri counties · median +4.9%
- 8th pct · 1,275th of 1,399 US counties · median $1,496
- 20th pct · 28th of 35 Missouri counties · median $1,231
- 61st pct · 1,225th of 3,221 US counties · median 8,232
- 76th pct · 28th of 115 Missouri counties · median 4,996
- 22nd pct · 2,507th of 3,221 US counties · median $1,039
- 55th pct · 52nd of 115 Missouri counties · median $902
- 66th pct · 1,039th of 3,063 US counties · median 4.3
- 66th pct · 38th 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 $242,932 (Aug 2026), +5.3% over one year, +32.7% over five
- 52nd pct · 1,443rd of 3,063 US counties · median $234,566
- 66th pct · 39th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Laclede County, MO | $242,932 · +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 $1,008/mo (Aug 2026), n/a over one year; price-to-rent 20.1
- 8th pct · 1,275th of 1,399 US counties · median $1,496
- 20th pct · 28th of 35 Missouri counties · median $1,231
| Item | Value | Distance |
|---|---|---|
| Laclede County, MO | $1,008/mo · n/a 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 $1,330 a month on $242,932 at 7.28%, against an average weekly wage worth $3,965 a month: 33.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $242,932 × 80% = $194,346, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,330/mo principal and interest
- wage share = payment / (avg weekly wage $915 × 52 / 12 = $3,965) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $242,932 / ($915 × 52) = 5.1
- price-to-rent = $242,932 / ($1,008 × 12) = 20.1
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 #
13,380 jobs at 930 employers (2026 Q1); +0.5% jobs and +3.6% average weekly wage over the year
- 61st pct · 1,225th of 3,221 US counties · median 8,232
- 76th pct · 28th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Laclede County, MO | 13,380 jobs · $915/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,373 | $1,116 | 4.06 | +2.6% |
| Retail trade | 1,739 | $727 | 1.33 | +0.5% |
| Health care and social assistance | 1,739 | $941 | 0.86 | +4.0% |
| Accommodation and food services | 1,051 | $438 | 0.87 | +0.6% |
| Administrative and waste services | 779 | $472 | 1.02 | -10.8% |
| Finance and insurance | 308 | $1,429 | 0.56 | +1.7% |
| Wholesale trade | 307 | $1,039 | 0.60 | -7.8% |
| Construction | 304 | $1,152 | 0.43 | +1.3% |
| Other services | 293 | $671 | 0.73 | -1.0% |
| Agriculture, forestry, fishing | 133 | $845 | 1.38 | -7.0% |
| Information | 58 | $819 | 0.24 | -14.7% |
| Real estate and rental | 46 | $787 | 0.22 | -4.2% |
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 #
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$1.0 bn in deposits at 9 offices of 7 banks (SOD June 2026); HHI 2,010, highly concentrated. $264.5 m federal obligations in FY2026 (direct payments $233.4 m, grants $30.4 m), $19,766 per covered job
| Item | Value | Distance |
|---|---|---|
| Heritage Bank of the Ozarks | $272.8 m · 26.9% share · 1 office | |
| First State Community Bank | $256.6 m · 25.3% share · 3 offices | |
| Commerce Bank | $209.0 m · 20.6% share · 1 office | |
| Laclede, MO | $264.5 m FY2026 · $19,766/job | |
| MULTIPLE RECIPIENTS | $232.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Heritage Bank of the Ozarks | $272,762,000 | 26.9% | 1 |
| First State Community Bank | $256,591,000 | 25.3% | 3 |
| Commerce Bank | $208,963,000 | 20.6% | 1 |
| U.S. Bank National Association | $104,842,000 | 10.4% | 1 |
| Mid-Missouri Bank | $84,312,000 | 8.3% | 1 |
| Arvest Bank | $56,897,000 | 5.6% | 1 |
| Great Southern Bank | $27,973,000 | 2.8% | 1 |
Deposit concentration is 2,010 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 26.9² + 25.3² + 20.6² + … (4 more) = 2,010
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 | $187,359,751 |
| Department of Veterans Affairs | $43,556,055 |
| Department of Transportation | $28,129,772 |
| Department of Health and Human Services | $2,280,024 |
| Department of Agriculture | $1,337,725 |
| Railroad Retirement Board | $1,137,437 |
| Department of Housing and Urban Development | $412,979 |
| Department of Defense | $74,542 |
| Federal Communications Commission | $68,125 |
| Department of Education | $59,994 |
| Department of Justice | $47,000 |
| Small Business Administration | $0 |
That is $19,766 per covered job, against 13,380 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $264.5 m / 13,380 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,766
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 #
Laclede County, MO: 9 findings, 1 at a watch level and 8 noted
watchLaclede County, MO's average weekly wage of $915 scores 22 on the 0-to-100 scale across US counties but 55 across Missouri counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |22 across US counties - 55 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteLaclede 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
noteLaclede County, MO's typical home value rose 0.6% from $241,463 in July 2026 to $242,932 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (242931.98030256166 - 241463.08754475683) / 241463.08754475683 × 100
- 242931.98030256166 = Zillow ZHVI, 2026-08
- 241463.08754475683 = Zillow ZHVI, 2026-07
noteLaclede County, MO's covered employment was 0.5% 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
- +0.5 % = 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
noteLaclede County, MO's typical asking rent fell 0.4% from $1,013 in July 2026 to $1,008 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1008.3333333333333 - 1012.5675685229778) / 1012.5675685229778 × 100
- 1008.3333333333333 = Zillow ZORI, 2026-08
- 1012.5675685229778 = Zillow ZORI, 2026-07
Read all 9 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.