Lewis County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.08, -91.73.
Assembled 2026-10-06. Read the brief.
- 40th pct · 1,810th of 3,063 US counties · median $234,566
- 44th pct · 63rd of 113 Missouri counties · median $224,499
- 97th pct · 81st of 3,063 US counties · median +2.9%
- 95th pct · 6th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 19th pct · 2,606th of 3,221 US counties · median 8,232
- 22nd pct · 89th of 115 Missouri counties · median 4,996
- 11th pct · 2,850th of 3,221 US counties · median $1,039
- 30th pct · 80th of 115 Missouri counties · median $902
- 60th pct · 1,214th of 3,063 US counties · median 4.3
- 52nd pct · 54th 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 $211,251 (Aug 2026), +11.2% over one year, +28.9% over five
- 40th pct · 1,810th of 3,063 US counties · median $234,566
- 44th pct · 63rd of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Lewis County, MO | $211,251 · +11.2% 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 $1,156 a month on $211,251 at 7.28%, against an average weekly wage worth $3,679 a month: 31.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $211,251 × 80% = $169,001, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,156/mo principal and interest
- wage share = payment / (avg weekly wage $849 × 52 / 12 = $3,679) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $211,251 / ($849 × 52) = 4.8
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 #
2,342 jobs at 254 employers (2026 Q1); -0.5% jobs and +2.3% average weekly wage over the year
- 19th pct · 2,606th of 3,221 US counties · median 8,232
- 22nd pct · 89th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Lewis County, MO | 2,342 jobs · $849/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 231 | $578 | 1.01 | -4.5% |
| Transportation and warehousing | 137 | $1,551 | 1.39 | +8.7% |
| Manufacturing | 133 | $894 | 0.71 | -20.8% |
| Construction | 112 | $965 | 0.91 | +1.8% |
| Finance and insurance | 98 | $1,188 | 1.03 | +1.0% |
| Professional and technical services | 47 | $776 | 0.29 | +14.6% |
| Real estate and rental | 7 | $724 | 0.19 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Wholesale trade | withheld | |||
| Information | 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 |
|---|---|---|
| Monroe City Lake near Monroe City, MO | 1,046 Acre-ft (USGS, no capacity on file) | 53 km |
| Marceline Lake near Marceline, MO | 1,912 Acre-ft (USGS, no capacity on file) | 118 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 #
25 gauges · 0 flooding · 2 with quality panels averaging 95 % · 4 stale
Sites found: 25, 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 |
|---|---|---|
| Middle Fabius River near Monticello, MO | flow 5.10 ft³/s · STALE | 1 km |
| North Fabius River at Monticello, MO | flow 19.0 ft³/s · STALE | 3 km |
| Middle Fabius River near Ewing, MO | flow 218.0 ft³/s | 6 km |
| North Fabius River near Ewing, MO | flow 198.0 ft³/s | 12 km |
| Wyaconda River above Canton, MO | flow 111.0 ft³/s | 15 km |
| South Fabius River near Taylor, MO | flow 260.0 ft³/s | 24 km |
| South Fabius River above Newark, MO | flow 101.0 ft³/s | 27 km |
| North River at Palmyra, MO | flow 42.0 ft³/s | 34 km |
| BEAR CREEK NEAR MARCELLINE, IL | flow 29.3 ft³/s | 34 km |
| Fox River at Wayland, MO | flow 118.0 ft³/s | 36 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 #
7 wells in 3 named aquifers: Mississippian aquifers, Sand and gravel aquifers (glaciated regions), Mississippi River Valley alluvial aquifer
Sites found: 7, 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 |
|---|---|---|
| Mississippian aquifers | depth 63.1 ft · 2026-10-04 | 14 km |
| Mississippi River Valley alluvial aquifer | depth 15.3 ft · 2026-10-04 | 36 km |
| USGS-402356091344001 | depth 42.7 ft · 2010-12-20 | 37 km |
| Mississippian aquifers | depth 27.3 ft · 2026-10-04 | 49 km |
| Sand and gravel aquifers (glaciated regions) | depth 30.5 ft · 2026-10-05 | 51 km |
| Mississippian aquifers | depth 100.5 ft · 2026-10-04 | 56 km |
| USGS-403504091414501 | depth 22.8 ft · 2013-06-09 | 56 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 + 0.2×0.05 / 0.55
Banks & federal dollars #
$362.9 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 3,334, highly concentrated. $62.2 m federal obligations in FY2026 (direct payments $62.0 m, contracts $409,500), $26,545 per covered job
| Item | Value | Distance |
|---|---|---|
| United State Bank | $170.0 m · 46.8% share · 3 offices | |
| Bank of Monticello | $112.4 m · 31.0% share · 2 offices | |
| Town & Country Bank Midwest | $38.6 m · 10.6% share · 2 offices | |
| Lewis, MO | $62.2 m FY2026 · $26,545/job | |
| MULTIPLE RECIPIENTS | $56.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United State Bank | $170,004,000 | 46.8% | 3 |
| Bank of Monticello | $112,356,000 | 31.0% | 2 |
| Town & Country Bank Midwest | $38,578,000 | 10.6% | 2 |
| Peoples Bank of Wyaconda, Missouri | $23,965,000 | 6.6% | 1 |
| HomeBank | $18,025,000 | 5.0% | 1 |
Deposit concentration is 3,334 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 = 46.8² + 31.0² + 10.6² + … (2 more) = 3,334
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 | $49,788,398 |
| Department of Veterans Affairs | $5,567,546 |
| Department of Agriculture | $4,137,780 |
| Department of Education | $1,792,380 |
| Railroad Retirement Board | $774,924 |
| Department of Defense | $409,500 |
| Department of Health and Human Services | $124,187 |
| Federal Communications Commission | $13,571 |
| Department of Transportation | -$440,509 |
That is $26,545 per covered job, against 2,342 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $62.2 m / 2,342 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,545
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Lewis County, MO: 7 findings, 1 at a watch level and 6 noted
watchLewis County, MO's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLewis County, MO's average weekly wage was 2.3% 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
- +2.3 % = 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
noteLewis County, MO's typical home value rose 0.7% from $209,868 in July 2026 to $211,251 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (211251.27249067207 - 209867.7346546708) / 209867.7346546708 × 100
- 211251.27249067207 = Zillow ZHVI, 2026-08
- 209867.7346546708 = Zillow ZHVI, 2026-07
noteLewis County, MO's covered employment was 0.5% 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
- -0.5 % = 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
noteLewis County, MO's typical home value of +11.2% ranks 81st of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 97 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
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.