Linn County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.86, -93.11.
Assembled 2026-10-06. Read the brief.
- 16th pct · 2,552nd of 3,063 US counties · median $234,566
- 10th pct · 101st of 113 Missouri counties · median $224,499
- 96th pct · 117th of 3,063 US counties · median +2.9%
- 93rd pct · 8th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 32nd pct · 2,165th of 3,221 US counties · median 8,232
- 42nd pct · 66th of 115 Missouri counties · median 4,996
- 31st pct · 2,201st of 3,221 US counties · median $1,039
- 68th pct · 37th of 115 Missouri counties · median $902
- 21st pct · 2,416th of 3,063 US counties · median 4.3
- 9th pct · 102nd 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 $152,355 (Aug 2026), +10.3% over one year, +50.9% over five
- 16th pct · 2,552nd of 3,063 US counties · median $234,566
- 10th pct · 101st of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Linn County, MO | $152,355 · +10.3% 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 #
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 $834 a month on $152,355 at 7.28%, against an average weekly wage worth $4,156 a month: 20.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $152,355 × 80% = $121,884, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $834/mo principal and interest
- wage share = payment / (avg weekly wage $959 × 52 / 12 = $4,156) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $152,355 / ($959 × 52) = 3.1
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 #
4,173 jobs at 394 employers (2026 Q1); +0.6% jobs and +4.7% average weekly wage over the year
- 32nd pct · 2,165th of 3,221 US counties · median 8,232
- 42nd pct · 66th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Linn County, MO | 4,173 jobs · $959/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 865 | $1,628 | 2.58 | +6.0% |
| Retail trade | 528 | $644 | 1.30 | +1.0% |
| Construction | 132 | $1,273 | 0.60 | -4.3% |
| Transportation and warehousing | 119 | $938 | 0.68 | +3.5% |
| Information | 112 | $730 | 1.46 | -7.4% |
| Finance and insurance | 104 | $1,074 | 0.61 | +0.0% |
| Agriculture, forestry, fishing | 89 | $797 | 2.95 | -10.1% |
| Other services | 76 | $546 | 0.61 | -17.4% |
| Professional and technical services | 63 | $645 | 0.22 | -16.0% |
| Real estate and rental | 17 | $408 | 0.27 | -26.1% |
| Utilities | withheld | |||
| Wholesale trade | 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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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 |
|---|---|---|
| Marceline Lake near Marceline, MO | 1,911 Acre-ft (USGS, no capacity on file) | 25 km |
| Concordia Lake near Concordia, MO | 2,375 Acre-ft (USGS, no capacity on file) | 111 km |
| Stanberry Lake near Gentry, MO | 1,358 Acre-ft (USGS, no capacity on file) | 122 km |
| Monroe City Lake near Monroe City, MO | 1,046 Acre-ft (USGS, no capacity on file) | 127 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 #
23 gauges · 0 flooding · 4 with quality panels averaging 57 % · 4 stale
Sites found: 23, 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 |
|---|---|---|
| Medicine Creek near Laredo, MO | flow 156.0 ft³/s · quality 50 % (2) | 33 km |
| Grand River near Sumner, MO | flow 9,520 ft³/s · quality 80 % (5) | 29 km |
| Locust Creek near Linneus, MO | flow 253.0 ft³/s · quality 50 % (1) | 12 km |
| Little East Locust Creek near Browning, MO | flow 9.68 ft³/s · STALE | 23 km |
| Muddy Creek near Chula, MO | flow 10.3 ft³/s · STALE | 25 km |
| Grand River near Fountain Grove, MO | flow 8,360 ft³/s | 27 km |
| Grand River below Sumner, MO (auxiliary gage) | stage 16.9 ft | 31 km |
| Hickory Branch near Mendon, MO | flow 0.76 ft³/s · STALE | 31 km |
| Grand River at Chillicothe, MO | stage 11.5 ft | 40 km |
| Mussel Fork near Musselfork, MO | flow 69.6 ft³/s | 40 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 #
8 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 8, 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 |
|---|---|---|
| USGS-394508093132101 | depth 3.95 ft · 2017-01-23 | 16 km |
| Sand and gravel aquifers (glaciated regions) | depth 15.7 ft · 2026-10-05 | 25 km |
| Sand and gravel aquifers (glaciated regions) | depth 23.1 ft · 2026-10-05 | 30 km |
| Sand and gravel aquifers (glaciated regions) | depth 18.7 ft · 2026-10-05 | 52 km |
| USGS-393640092303901 | depth 1.67 ft · 2016-11-13 | 58 km |
| Alluvial aquifers | depth 11.2 ft · 2026-10-05 | 67 km |
| USGS-391622093161001 | depth 0.47 ft · 2016-07-24 | 67 km |
| Sand and gravel aquifers (glaciated regions) | depth 2.52 ft · 2026-10-05 | 68 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 (0.15)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.43 / 0.55
Banks & federal dollars #
$592.1 m in deposits at 11 offices of 6 banks (SOD June 2026); HHI 1,984, highly concentrated. $83.8 m federal obligations in FY2026 (direct payments $82.5 m, grants $1.1 m), $20,086 per covered job
| Item | Value | Distance |
|---|---|---|
| Regional Missouri Bank | $164.7 m · 27.8% share · 3 offices | |
| Verimore Bank | $138.8 m · 23.4% share · 1 office | |
| UMB Bank, National Association | $96.5 m · 16.3% share · 1 office | |
| Linn, MO | $83.8 m FY2026 · $20,086/job | |
| MULTIPLE RECIPIENTS | $78.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Regional Missouri Bank | $164,682,000 | 27.8% | 3 |
| Verimore Bank | $138,826,000 | 23.4% | 1 |
| UMB Bank, National Association | $96,512,000 | 16.3% | 1 |
| Bank of Brookfield - Purdin, National Association | $95,758,000 | 16.2% | 3 |
| Southern Bank | $52,791,000 | 8.9% | 1 |
| Preferred Bank | $43,553,000 | 7.4% | 2 |
Deposit concentration is 1,984 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 27.8² + 23.4² + 16.3² + … (3 more) = 1,984
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 | $61,914,855 |
| Department of Veterans Affairs | $9,193,699 |
| Railroad Retirement Board | $7,365,089 |
| Department of Agriculture | $4,745,002 |
| Environmental Protection Agency | $1,240,000 |
| Department of Housing and Urban Development | $1,024,251 |
| Department of Health and Human Services | $408,728 |
| Department of Education | $86,453 |
| Department of Defense | $62,100 |
| Department of the Interior | $40,309 |
| Federal Communications Commission | $16,367 |
| Small Business Administration | $0 |
That is $20,086 per covered job, against 4,173 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $83.8 m / 4,173 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,086
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 | -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 #
Linn County, MO: 9 findings, 1 at a watch level and 8 noted
watchLinn County, MO's average weekly wage of $959 scores 32 on the 0-to-100 scale across US counties but 68 across Missouri counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |32 across US counties - 68 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteLinn County, MO's average weekly wage was 4.7% 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
- +4.7 % = 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
noteLinn County, MO's typical home value rose 0.7% from $151,358 in July 2026 to $152,355 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (152354.7379232679 - 151357.7391224081) / 151357.7391224081 × 100
- 152354.7379232679 = Zillow ZHVI, 2026-08
- 151357.7391224081 = Zillow ZHVI, 2026-07
noteLinn County, MO's covered employment was 0.6% 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
- +0.6 % = 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
noteLinn County, MO's typical home value of +10.3% ranks 117th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 96 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 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.