Lawrence County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.11, -93.83.
Assembled 2026-10-07. Read the brief.
- 39th pct · 1,860th of 3,063 US counties · median $234,566
- 41st pct · 67th of 113 Missouri counties · median $224,499
- 34th pct · 2,001st of 3,063 US counties · median +2.9%
- 8th pct · 104th of 113 Missouri counties · median +4.9%
- 7th pct · 1,292nd of 1,399 US counties · median $1,496
- 17th pct · 29th of 35 Missouri counties · median $1,231
- 52nd pct · 1,519th of 3,221 US counties · median 8,232
- 67th pct · 38th of 115 Missouri counties · median 4,996
- 22nd pct · 2,480th of 3,221 US counties · median $1,039
- 58th pct · 48th of 115 Missouri counties · median $902
- 50th pct · 1,514th of 3,063 US counties · median 4.3
- 35th pct · 73rd 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 $206,460 (Aug 2026), +1.6% over one year, +33.3% over five
- 39th pct · 1,860th of 3,063 US counties · median $234,566
- 41st pct · 67th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Lawrence County, MO | $206,460 · +1.6% 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 $996/mo (Aug 2026), n/a over one year; price-to-rent 17.3
- 7th pct · 1,292nd of 1,399 US counties · median $1,496
- 17th pct · 29th of 35 Missouri counties · median $1,231
| Item | Value | Distance |
|---|---|---|
| Lawrence County, MO | $996/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 $1,130 a month on $206,460 at 7.28%, against an average weekly wage worth $3,987 a month: 28.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $206,460 × 80% = $165,168, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,130/mo principal and interest
- wage share = payment / (avg weekly wage $920 × 52 / 12 = $3,987) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $206,460 / ($920 × 52) = 4.3
- price-to-rent = $206,460 / ($996 × 12) = 17.3
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 #
9,197 jobs at 989 employers (2026 Q1); +2.5% jobs and +3.7% average weekly wage over the year
- 52nd pct · 1,519th of 3,221 US counties · median 8,232
- 67th pct · 38th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Lawrence County, MO | 9,197 jobs · $920/wk · +2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,342 | $685 | 1.50 | +0.5% |
| Manufacturing | 1,317 | $1,308 | 1.78 | +1.9% |
| Accommodation and food services | 918 | $393 | 1.11 | +0.0% |
| Construction | 542 | $1,208 | 1.12 | +19.4% |
| Transportation and warehousing | 467 | $1,042 | 1.20 | -2.3% |
| Wholesale trade | 245 | $1,068 | 0.70 | +6.5% |
| Finance and insurance | 216 | $1,205 | 0.58 | +9.1% |
| Professional and technical services | 169 | $1,010 | 0.27 | -30.5% |
| Other services | 167 | $863 | 0.61 | -7.2% |
| Utilities | 92 | $1,941 | 2.53 | +7.0% |
| Management of companies | 90 | $1,290 | 0.58 | -11.8% |
| Administrative and waste services | 89 | $803 | 0.17 | -26.4% |
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 #
$826.2 m in deposits at 11 offices of 10 banks (SOD June 2026); HHI 1,606, moderately concentrated. $253.3 m federal obligations in FY2026 (direct payments $229.7 m, grants $23.3 m), $27,546 per covered job
| Item | Value | Distance |
|---|---|---|
| Omb Bank | $215.4 m · 26.1% share · 1 office | |
| First State Bank of the Ozarks | $143.9 m · 17.4% share · 2 offices | |
| First Independent Bank | $131.4 m · 15.9% share · 1 office | |
| Lawrence, MO | $253.3 m FY2026 · $27,546/job | |
| MULTIPLE RECIPIENTS | $225.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Omb Bank | $215,378,000 | 26.1% | 1 |
| First State Bank of the Ozarks | $143,891,000 | 17.4% | 2 |
| First Independent Bank | $131,352,000 | 15.9% | 1 |
| Mid-Missouri Bank | $126,207,000 | 15.3% | 1 |
| Arvest Bank | $64,945,000 | 7.9% | 1 |
| Simmons Bank | $46,304,000 | 5.6% | 1 |
| Freedom Bank of Southern Missouri | $38,463,000 | 4.7% | 1 |
| Bank of Billings | $30,444,000 | 3.7% | 1 |
| Great Southern Bank | $23,546,000 | 2.8% | 1 |
| Peoples Community Bank | $5,668,000 | 0.7% | 1 |
Deposit concentration is 1,606 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 26.1² + 17.4² + 15.9² + … (7 more) = 1,606
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 | $194,593,062 |
| Department of Veterans Affairs | $39,999,968 |
| Department of Transportation | $9,906,350 |
| Department of Agriculture | $4,846,119 |
| Railroad Retirement Board | $3,449,602 |
| Department of Housing and Urban Development | $392,678 |
| Department of Health and Human Services | $65,659 |
| Federal Communications Commission | $57,549 |
| Department of Education | $27,562 |
| Small Business Administration | $0 |
That is $27,546 per covered job, against 9,197 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $253.3 m / 9,197 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,546
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 #
Lawrence County, MO: 11 findings, 2 at a watch level and 9 noted
watchLawrence County, MO's typical asking rent is -1.5% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: rent.momPct = -1.486155787378194 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchLawrence County, MO's average weekly wage of $920 scores 23 on the 0-to-100 scale across US counties but 59 across Missouri counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |23 across US counties - 59 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteLawrence County, MO's average weekly wage was 3.7% 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
- +3.7 % = 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
noteLawrence County, MO's covered employment was 2.5% 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
- +2.5 % = 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
noteLawrence County, MO's typical asking rent fell 1.5% from $1,011 in July 2026 to $996 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.5% = (995.6666666666666 - 1010.687050763876) / 1010.687050763876 × 100
- 995.6666666666666 = Zillow ZORI, 2026-08
- 1010.687050763876 = Zillow ZORI, 2026-07
Read all 11 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.