Lafayette County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.07, -93.80.
Assembled 2026-10-06. Read the brief.
- 55th pct · 1,378th of 3,063 US counties · median $234,566
- 73rd pct · 31st of 113 Missouri counties · median $224,499
- 30th pct · 10th of 14 counties in the Kansas City metro · median $279,567
- 90th pct · 303rd of 3,063 US counties · median +2.9%
- 83rd pct · 20th of 113 Missouri counties · median +4.9%
- 92nd pct · 2nd of 14 counties in the Kansas City metro · median +4.6%
- 3rd pct · 1,356th of 1,399 US counties · median $1,496
- 5th pct · 33rd of 35 Missouri counties · median $1,231
- 0th pct · 9th of 9 counties in the Kansas City metro · median $1,543
- 51st pct · 1,549th of 3,221 US counties · median 8,232
- 64th pct · 41st of 115 Missouri counties · median 4,996
- 38th pct · 9th of 14 counties in the Kansas City metro · median 15,305
- 23rd pct · 2,452nd of 3,221 US counties · median $1,039
- 60th pct · 45th of 115 Missouri counties · median $902
- 23rd pct · 11th of 14 counties in the Kansas City metro · median $1,052
- 66th pct · 1,014th of 3,063 US counties · median 4.3
- 70th pct · 34th of 113 Missouri counties · median 4.8
- 30th pct · 10th of 14 counties in the Kansas City metro · median 5.5
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 $248,175 (Aug 2026), +7.8% over one year, +37.6% over five
- 55th pct · 1,378th of 3,063 US counties · median $234,566
- 73rd pct · 31st of 113 Missouri counties · median $224,499
- 30th pct · 10th of 14 counties in the Kansas City metro · median $279,567
| Item | Value | Distance |
|---|---|---|
| Lafayette County, MO | $248,175 · +7.8% 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 $875/mo (Aug 2026), n/a over one year; price-to-rent 23.6
- 3rd pct · 1,356th of 1,399 US counties · median $1,496
- 5th pct · 33rd of 35 Missouri counties · median $1,231
- 0th pct · 9th of 9 counties in the Kansas City metro · median $1,543
| Item | Value | Distance |
|---|---|---|
| Lafayette County, MO | $875/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 $1,358 a month on $248,175 at 7.28%, against an average weekly wage worth $4,000 a month: 34.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $248,175 × 80% = $198,540, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,358/mo principal and interest
- wage share = payment / (avg weekly wage $923 × 52 / 12 = $4,000) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $248,175 / ($923 × 52) = 5.2
- price-to-rent = $248,175 / ($875 × 12) = 23.6
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 #
8,745 jobs at 980 employers (2026 Q1); +0.2% jobs and +8.5% average weekly wage over the year
- 51st pct · 1,549th of 3,221 US counties · median 8,232
- 64th pct · 41st of 115 Missouri counties · median 4,996
- 38th pct · 9th of 14 counties in the Kansas City metro · median 15,305
| Item | Value | Distance |
|---|---|---|
| Lafayette County, MO | 8,745 jobs · $923/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,254 | $1,012 | 1.78 | +1.1% |
| Retail trade | 997 | $654 | 1.17 | -3.1% |
| Accommodation and food services | 715 | $378 | 0.91 | +1.9% |
| Construction | 545 | $1,162 | 1.19 | +1.5% |
| Transportation and warehousing | 288 | $1,224 | 0.78 | -1.0% |
| Professional and technical services | 267 | $1,836 | 0.44 | -7.3% |
| Finance and insurance | 256 | $1,848 | 0.72 | +9.9% |
| Other services | 214 | $801 | 0.82 | +2.4% |
| Agriculture, forestry, fishing | 142 | $837 | 2.25 | -1.4% |
| Real estate and rental | 138 | $726 | 1.03 | +2.2% |
| Information | 28 | $825 | 0.17 | -6.7% |
| Arts, entertainment and recreation | 24 | $213 | 0.17 | +26.3% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$949.1 m in deposits at 17 offices of 11 banks (SOD June 2026); HHI 2,010, highly concentrated. $217.7 m federal obligations in FY2026 (direct payments $208.4 m, grants $4.8 m), $24,890 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Odessa | $373.2 m · 39.3% share · 2 offices | |
| North American Savings Bank, F.S.B. | $104.7 m · 11.0% share · 1 office | |
| Concordia Bank of Concordia, Missouri | $92.3 m · 9.7% share · 3 offices | |
| Lafayette, MO | $217.7 m FY2026 · $24,890/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Odessa | $373,194,000 | 39.3% | 2 |
| North American Savings Bank, F.S.B. | $104,734,000 | 11.0% | 1 |
| Concordia Bank of Concordia, Missouri | $92,286,000 | 9.7% | 3 |
| Wood & Huston Bank | $84,487,000 | 8.9% | 1 |
| The Central Trust Bank | $63,597,000 | 6.7% | 2 |
| State Bank of Missouri | $57,844,000 | 6.1% | 2 |
| NBH Bank | $51,779,000 | 5.5% | 1 |
| Equity Bank | $50,894,000 | 5.4% | 1 |
| Community Bank of Marshall | $37,066,000 | 3.9% | 2 |
| Preferred Bank | $33,226,000 | 3.5% | 1 |
Deposit concentration is 2,010 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 39.3² + 11.0² + 9.7² + … (7 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 #
That is $24,890 per covered job, against 8,745 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $217.7 m / 8,745 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,890
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 #
Lafayette County, MO: 13 findings, 1 at a watch level and 12 noted
watchLafayette County, MO's average weekly wage of $923 scores 24 on the 0-to-100 scale across US counties but 61 across Missouri counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |24 across US counties - 61 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteLafayette County, MO's average weekly wage was 8.5% 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
- +8.5 % = 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
noteLafayette County, MO's covered employment was 0.2% 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
- +0.2 % = 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
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Lafayette County, MO could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteLafayette County, MO's price-to-rent ratio of 23.6 ranks 1st of 9 counties in the Kansas City metro, against a median of 17.4.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 9 counties in the Kansas City metro that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
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.