Lincoln County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.06, -90.96.
Assembled 2026-10-06. Read the brief.
- 73rd pct · 824th of 3,063 US counties · median $234,566
- 91st pct · 10th of 113 Missouri counties · median $224,499
- 78th pct · 4th of 15 counties in the St. Louis metro · median $223,520
- 77th pct · 705th of 3,063 US counties · median +2.9%
- 62nd pct · 43rd of 113 Missouri counties · median +4.9%
- 78th pct · 4th of 15 counties in the St. Louis metro · median +3.8%
- 44th pct · 783rd of 1,399 US counties · median $1,496
- 73rd pct · 10th of 35 Missouri counties · median $1,231
- 62nd pct · 4th of 9 counties in the St. Louis metro · median $1,332
- 61st pct · 1,241st of 3,221 US counties · median 8,232
- 74th pct · 30th of 115 Missouri counties · median 4,996
- 50th pct · 8th of 15 counties in the St. Louis metro · median 12,995
- 48th pct · 1,656th of 3,221 US counties · median $1,039
- 85th pct · 17th of 115 Missouri counties · median $902
- 50th pct · 8th of 15 counties in the St. Louis metro · median $1,033
- 78th pct · 672nd of 3,063 US counties · median 4.3
- 88th pct · 14th of 113 Missouri counties · median 4.8
- 85th pct · 3rd of 15 counties in the St. Louis metro · median 4.2
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 $317,907 (Aug 2026), +5.6% over one year, +28.7% over five
- 73rd pct · 824th of 3,063 US counties · median $234,566
- 91st pct · 10th of 113 Missouri counties · median $224,499
- 78th pct · 4th of 15 counties in the St. Louis metro · median $223,520
| Item | Value | Distance |
|---|---|---|
| Lincoln County, MO | $317,907 · +5.6% 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 $1,431/mo (Aug 2026), n/a over one year; price-to-rent 18.5
- 44th pct · 783rd of 1,399 US counties · median $1,496
- 73rd pct · 10th of 35 Missouri counties · median $1,231
- 62nd pct · 4th of 9 counties in the St. Louis metro · median $1,332
| Item | Value | Distance |
|---|---|---|
| Lincoln County, MO | $1,431/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 $1,740 a month on $317,907 at 7.28%, against an average weekly wage worth $4,476 a month: 38.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $317,907 × 80% = $254,326, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,740/mo principal and interest
- wage share = payment / (avg weekly wage $1,033 × 52 / 12 = $4,476) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $317,907 / ($1,033 × 52) = 5.9
- price-to-rent = $317,907 / ($1,431 × 12) = 18.5
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 #
12,995 jobs at 1,294 employers (2026 Q1); +0.4% jobs and +3.0% average weekly wage over the year
- 61st pct · 1,241st of 3,221 US counties · median 8,232
- 74th pct · 30th of 115 Missouri counties · median 4,996
- 50th pct · 8th of 15 counties in the St. Louis metro · median 12,995
| Item | Value | Distance |
|---|---|---|
| Lincoln County, MO | 12,995 jobs · $1,033/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,944 | $1,433 | 1.86 | -0.8% |
| Retail trade | 1,690 | $735 | 1.33 | -0.7% |
| Construction | 1,299 | $1,254 | 1.91 | +9.1% |
| Health care and social assistance | 1,186 | $1,020 | 0.61 | -2.5% |
| Accommodation and food services | 1,130 | $414 | 0.97 | +3.3% |
| Transportation and warehousing | 717 | $1,216 | 1.31 | -5.9% |
| Finance and insurance | 372 | $1,267 | 0.70 | +0.5% |
| Other services | 358 | $767 | 0.92 | +2.0% |
| Administrative and waste services | 313 | $872 | 0.42 | +3.3% |
| Professional and technical services | 265 | $1,159 | 0.30 | +1.1% |
| Wholesale trade | 228 | $1,448 | 0.46 | -5.4% |
| Agriculture, forestry, fishing | 185 | $846 | 1.97 | -17.0% |
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 #
D1 moderate 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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 | 1,045 Acre-ft (USGS, no capacity on file) | 85 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 #
67 gauges · 0 flooding · 4 with quality panels averaging 83 % · 11 stale
Sites found: 67, 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 |
|---|---|---|
| ILLINOIS RIVER AT FLORENCE, IL | stage 20.7 ft · quality 80 % (5) | 70 km |
| Mississippi River Pool Lock and Dam 26 at Alton,IL | stage 15.6 ft · quality 80 % (5) · no flooding | 70 km |
| Missouri River at Hermann, MO | flow 180,000 ft³/s · quality 70 % (5) · ACTION stage | 57 km |
| Cuivre River near Troy, MO | flow 7.93 ft³/s | 6 km |
| Cuivre River at Troy | no flooding | 6 km |
| Cuivre River at Old Monroe, MO | stage 19.6 ft · no flooding | 24 km |
| Mississippi River at Winfield Lock and Dam 25 | ACTION stage | 25 km |
| Mississippi River at Mozier Landing | no readings | 30 km |
| ILLINOIS RIVER AT HARDIN, IL | stage 19.6 ft · no flooding · STALE | 32 km |
| Peruque Creek at Lake St. Louis, MO | flow 5.60 ft³/s · STALE | 33 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 3 named aquifers: Cambrian-Ordovician aquifer system, Alluvial aquifers, Ozark Plateaus aquifer system
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 |
|---|---|---|
| Cambrian-Ordovician aquifer system | depth 297.3 ft · 2026-10-05 | 6 km |
| Cambrian-Ordovician aquifer system | depth 195.3 ft · 2026-10-05 | 9 km |
| Cambrian-Ordovician aquifer system | depth 336.2 ft · 2026-09-27 | 10 km |
| Cambrian-Ordovician aquifer system | depth 269.8 ft · 2026-10-05 | 29 km |
| Cambrian-Ordovician aquifer system | depth 62.3 ft · 2026-10-05 | 34 km |
| Cambrian-Ordovician aquifer system | depth 97.5 ft · 2026-10-05 | 42 km |
| Cambrian-Ordovician aquifer system | depth 365.3 ft · 2026-10-05 | 45 km |
| Cambrian-Ordovician aquifer system | depth 43.7 ft · 2026-10-05 | 47 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 (0.22)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.18 / 0.55
Banks & federal dollars #
$1.7 bn in deposits at 16 offices of 8 banks (SOD June 2026); HHI 3,009, highly concentrated. $452.6 m federal obligations in FY2026 (direct payments $360.9 m, contracts $52.3 m), $34,828 per covered job
| Item | Value | Distance |
|---|---|---|
| The Bank of Old Monroe | $699.5 m · 41.0% share · 3 offices | |
| Peoples Bank & Trust Co. | $593.2 m · 34.8% share · 6 offices | |
| U.S. Bank National Association | $117.5 m · 6.9% share · 1 office | |
| Lincoln, MO | $452.6 m FY2026 · $34,828/job | |
| MULTIPLE RECIPIENTS | $350.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Bank of Old Monroe | $699,509,000 | 41.0% | 3 |
| Peoples Bank & Trust Co. | $593,246,000 | 34.8% | 6 |
| U.S. Bank National Association | $117,501,000 | 6.9% | 1 |
| Silex Banking Company | $84,433,000 | 5.0% | 1 |
| Community State Bank of Missouri | $76,440,000 | 4.5% | 1 |
| First Mid Bank & Trust, National Association | $58,675,000 | 3.4% | 2 |
| PSB Bank | $39,927,000 | 2.3% | 1 |
| HNB National Bank | $34,973,000 | 2.1% | 1 |
Deposit concentration is 3,009 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 41.0² + 34.8² + 6.9² + … (5 more) = 3,009
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 | $308,206,922 |
| Department of Defense | $52,252,605 |
| Department of Veterans Affairs | $41,231,693 |
| Department of Transportation | $36,709,467 |
| Department of Agriculture | $9,566,161 |
| Department of Health and Human Services | $2,019,882 |
| Railroad Retirement Board | $1,157,708 |
| Federal Communications Commission | $903,173 |
| Department of Housing and Urban Development | $514,635 |
| Small Business Administration | $79,594 |
| Department of Education | $46,387 |
| Department of Energy | $0 |
That is $34,828 per covered job, against 12,995 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $452.6 m / 12,995 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,828
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 #
Lincoln County, MO: 9 findings, 2 at a watch level and 7 noted
watchLincoln County, MO's typical asking rent is -2.1% 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 = -2.0760373929107967 <= -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
watchLincoln County, MO's average weekly wage of $1,033 scores 48 on the 0-to-100 scale across US counties but 86 across Missouri counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |48 across US counties - 86 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteLincoln County, MO's average weekly wage was 3.0% 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 % = 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
noteLincoln County, MO's typical asking rent fell 2.1% from $1,461 in July 2026 to $1,431 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -2.1% = (1431.111111111111 - 1461.4513884137955) / 1461.4513884137955 × 100
- 1431.111111111111 = Zillow ZORI, 2026-08
- 1461.4513884137955 = Zillow ZORI, 2026-07
noteLincoln County, MO's typical home value rose 0.6% from $315,975 in July 2026 to $317,907 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (317907.31483699573 - 315974.74371864606) / 315974.74371864606 × 100
- 317907.31483699573 = Zillow ZHVI, 2026-08
- 315974.74371864606 = Zillow ZHVI, 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.