Livingston County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.78, -93.55.
Assembled 2026-10-07. Read the brief.
- 34th pct · 1,998th of 3,063 US counties · median $234,566
- 32nd pct · 77th of 113 Missouri counties · median $224,499
- 37th pct · 1,925th of 3,063 US counties · median +2.9%
- 10th pct · 101st of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 41st pct · 1,876th of 3,221 US counties · median 8,232
- 53rd pct · 54th of 115 Missouri counties · median 4,996
- 26th pct · 2,361st of 3,221 US counties · median $1,039
- 62nd pct · 44th of 115 Missouri counties · median $902
- 43rd pct · 1,717th of 3,063 US counties · median 4.3
- 27th pct · 82nd 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 $194,416 (Aug 2026), +1.8% over one year, +34.4% over five
- 34th pct · 1,998th of 3,063 US counties · median $234,566
- 32nd pct · 77th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Livingston County, MO | $194,416 · +1.8% 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 #
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 $1,064 a month on $194,416 at 7.28%, against an average weekly wage worth $4,060 a month: 26.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $194,416 × 80% = $155,533, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,064/mo principal and interest
- wage share = payment / (avg weekly wage $937 × 52 / 12 = $4,060) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $194,416 / ($937 × 52) = 4.0
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 #
5,918 jobs at 492 employers (2026 Q1); -4.7% jobs and +7.0% average weekly wage over the year
- 41st pct · 1,876th of 3,221 US counties · median 8,232
- 53rd pct · 54th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Livingston County, MO | 5,918 jobs · $937/wk · -4.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 972 | $674 | 1.69 | -4.9% |
| Health care and social assistance | 811 | $1,170 | 0.91 | +0.0% |
| Manufacturing | 521 | $980 | 1.09 | +4.4% |
| Accommodation and food services | 422 | $363 | 0.79 | +1.2% |
| Wholesale trade | 311 | $1,162 | 1.37 | -7.4% |
| Administrative and waste services | 224 | $953 | 0.67 | -33.7% |
| Other services | 216 | $643 | 1.22 | +5.9% |
| Transportation and warehousing | 196 | $1,128 | 0.79 | +0.0% |
| Finance and insurance | 182 | $1,306 | 0.75 | +2.8% |
| Professional and technical services | 127 | $860 | 0.31 | -11.2% |
| Real estate and rental | 84 | $828 | 0.93 | +15.1% |
| Arts, entertainment and recreation | 73 | $449 | 0.75 | +14.1% |
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 | 1,909 Acre-ft (USGS, no capacity on file) | 49 km |
| Concordia Lake near Concordia, MO | 2,372 Acre-ft (USGS, no capacity on file) | 94 km |
| Stanberry Lake near Gentry, MO | 1,357 Acre-ft (USGS, no capacity on file) | 94 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 #
26 gauges · 0 flooding · 3 with quality panels averaging 68 % · 4 stale
Sites found: 26, 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 |
|---|---|---|
| Grand River near Sumner, MO | flow 6,690 ft³/s · quality 80 % (5) · no flooding | 28 km |
| Grand River near Chillicothe | no flooding | 3 km |
| Grand River at Chillicothe, MO | stage 10.3 ft | 3 km |
| Muddy Creek near Chula, MO | flow 10.3 ft³/s · STALE | 17 km |
| Grand River near Fountain Grove, MO | flow 5,660 ft³/s | 21 km |
| Shoal Creek near Braymer, MO | flow 37.8 ft³/s | 23 km |
| Grand River below Sumner, MO (auxiliary gage) | stage 13.9 ft | 29 km |
| Medicine Creek near Laredo, MO | flow 133.0 ft³/s · quality 75 % (2) | 29 km |
| Locust Creek near Linneus, MO | flow 195.0 ft³/s · quality 50 % (1) | 30 km |
| Thompson River at Trenton, MO | flow 2,380 ft³/s · no flooding | 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 #
11 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 11, 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 |
|---|---|---|
| Sand and gravel aquifers (glaciated regions) | depth 18.7 ft · 2026-10-05 | 16 km |
| Sand and gravel aquifers (glaciated regions) | depth 15.7 ft · 2026-10-05 | 23 km |
| USGS-394508093132101 | depth 3.95 ft · 2017-01-23 | 28 km |
| Sand and gravel aquifers (glaciated regions) | depth 23.1 ft · 2026-10-05 | 41 km |
| Sand and gravel aquifers (glaciated regions) | depth 78.1 ft · 2026-10-05 | 46 km |
| Alluvial aquifers | depth 11.2 ft · 2026-10-05 | 48 km |
| Sand and gravel aquifers (glaciated regions) | depth 134.4 ft · 2026-10-05 | 50 km |
| Sand and gravel aquifers (glaciated regions) | depth 2.63 ft · 2026-10-06 | 54 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 (0.12)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.32 / 0.55
Banks & federal dollars #
$540.8 m in deposits at 10 offices of 5 banks (SOD June 2026); HHI 2,117, highly concentrated. $87.9 m federal obligations in FY2026 (direct payments $87.8 m, loans $347,595), $14,850 per covered job
| Item | Value | Distance |
|---|---|---|
| Southern Bank | $148.4 m · 27.4% share · 2 offices | |
| Chillicothe State Bank | $122.7 m · 22.7% share · 2 offices | |
| BTC Bank | $110.0 m · 20.3% share · 4 offices | |
| Livingston, MO | $87.9 m FY2026 · $14,850/job | |
| MULTIPLE RECIPIENTS | $84.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Southern Bank | $148,411,000 | 27.4% | 2 |
| Chillicothe State Bank | $122,680,000 | 22.7% | 2 |
| BTC Bank | $109,962,000 | 20.3% | 4 |
| NBH Bank | $80,647,000 | 14.9% | 1 |
| Investors Community Bank | $79,106,000 | 14.6% | 1 |
Deposit concentration is 2,117 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 = 27.4² + 22.7² + 20.3² + … (2 more) = 2,117
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 | $74,827,673 |
| Department of Veterans Affairs | $8,441,534 |
| Department of Agriculture | $2,940,205 |
| Railroad Retirement Board | $1,267,956 |
| Department of Housing and Urban Development | $856,099 |
| Department of Education | $140,683 |
| Federal Communications Commission | $47,701 |
| Small Business Administration | $0 |
| Department of Transportation | -$639,311 |
That is $14,850 per covered job, against 5,918 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $87.9 m / 5,918 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,850
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 #
Livingston County, MO: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertLivingston County, MO's covered employment is -4.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchLivingston County, MO's covered employment is -4.7% 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 = -4.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLivingston County, MO's average weekly wage of $937 scores 27 on the 0-to-100 scale across US counties but 62 across Missouri counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |27 across US counties - 62 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteLivingston County, MO's average weekly wage was 7.0% 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
- +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
noteLivingston County, MO's covered employment was 4.7% 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
- -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
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.