Madison County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.47, -90.34.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,297th of 3,063 US counties · median $234,566
- 17th pct · 93rd of 113 Missouri counties · median $224,499
- 63rd pct · 1,127th of 3,063 US counties · median +2.9%
- 37th pct · 71st of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 28th pct · 2,301st of 3,221 US counties · median 8,232
- 35th pct · 74th of 115 Missouri counties · median 4,996
- 6th pct · 3,004th of 3,221 US counties · median $1,039
- 21st pct · 91st of 115 Missouri counties · median $902
- 47th pct · 1,610th of 3,063 US counties · median 4.3
- 33rd pct · 76th 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 $173,060 (Aug 2026), +4.1% over one year, +28.7% over five
- 25th pct · 2,297th of 3,063 US counties · median $234,566
- 17th pct · 93rd of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Madison County, MO | $173,060 · +4.1% 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 $947 a month on $173,060 at 7.28%, against an average weekly wage worth $3,475 a month: 27.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $173,060 × 80% = $138,448, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $947/mo principal and interest
- wage share = payment / (avg weekly wage $802 × 52 / 12 = $3,475) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $173,060 / ($802 × 52) = 4.1
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 #
3,534 jobs at 352 employers (2026 Q1); +1.0% jobs and +1.0% average weekly wage over the year
- 28th pct · 2,301st of 3,221 US counties · median 8,232
- 35th pct · 74th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Madison County, MO | 3,534 jobs · $802/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 559 | $938 | 1.97 | +3.1% |
| Health care and social assistance | 528 | $746 | 0.99 | +5.4% |
| Retail trade | 516 | $630 | 1.50 | +0.4% |
| Other services | 150 | $726 | 1.42 | +2.7% |
| Wholesale trade | 70 | $973 | 0.52 | +7.7% |
| Professional and technical services | 51 | $1,125 | 0.21 | -8.9% |
| Agriculture, forestry, fishing | 48 | $745 | 1.88 | +0.0% |
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | 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 #
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
23 gauges · 0 flooding · 3 with quality panels averaging 100 % · 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 |
|---|---|---|
| USGS-07035800 | flow 13.3 ft³/s | 11 km |
| USGS-07036100 | flow 30.1 ft³/s | 15 km |
| USGS-07034000 | flow 7.10 ft³/s · STALE | 19 km |
| USGS-07037300 | flow 33.3 ft³/s | 28 km |
| USGS-07037000 | flow 329.0 ft³/s · STALE | 32 km |
| USGS-07037500 | flow 103.0 ft³/s | 34 km |
| USGS-07061500 | flow 198.0 ft³/s | 42 km |
| USGS-07061300 | flow 43.6 ft³/s · STALE | 43 km |
| USGS-07021000 | flow 82.2 ft³/s | 43 km |
| USGS-07061290 | flow 5.20 ft³/s · quality 100 % (5) | 44 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 #
23 wells in 0 named aquifers:
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 |
|---|---|---|
| MO005-373210090180601 | depth 106.3 ft · 2026-10-05 | 8 km |
| MO005-373559090082901 | depth 167.8 ft · 2026-10-05 | 23 km |
| USGS-374515090255601 | depth 63.0 ft · 2011-12-12 | 32 km |
| MO005-374649090242601 | depth 87.3 ft · 2026-10-05 | 34 km |
| MO005-372715090510701 | depth 19.5 ft · 2026-10-05 | 45 km |
| MO005-375306090125301 | depth 335.3 ft · 2026-10-05 | 47 km |
| MO005-370248090042601 | depth 10.2 ft · 2026-10-05 | 53 km |
| MO005-371125089445301 | depth 19.8 ft · 2026-10-05 | 61 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$327.7 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 4,282, highly concentrated. $89.8 m federal obligations in FY2026 (direct payments $87.0 m, grants $1.5 m), $25,396 per covered job
| Item | Value | Distance |
|---|---|---|
| New Era Bank | $184.0 m · 56.2% share · 3 offices | |
| First State Community Bank | $106.2 m · 32.4% share · 1 office | |
| Ozarks Federal Savings and Loan Association | $27.3 m · 8.3% share · 1 office | |
| Madison, MO | $89.8 m FY2026 · $25,396/job | |
| MULTIPLE RECIPIENTS | $86.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| New Era Bank | $184,014,000 | 56.2% | 3 |
| First State Community Bank | $106,187,000 | 32.4% | 1 |
| Ozarks Federal Savings and Loan Association | $27,281,000 | 8.3% | 1 |
| Great Southern Bank | $10,208,000 | 3.1% | 1 |
Deposit concentration is 4,282 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 56.2² + 32.4² + 8.3² + … (1 more) = 4,282
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 | $73,405,327 |
| Department of Veterans Affairs | $12,258,692 |
| Department of Transportation | $1,507,756 |
| Department of Agriculture | $865,873 |
| Environmental Protection Agency | $819,650 |
| Delta Regional Authority | $500,000 |
| Railroad Retirement Board | $364,328 |
| Department of Housing and Urban Development | $22,020 |
| Federal Communications Commission | $6,435 |
That is $25,396 per covered job, against 3,534 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $89.8 m / 3,534 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,396
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 #
Madison County, MO: 4 findings, 4 noted
noteMadison County, MO's average weekly wage was 1.0% 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
- +1 % = 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
noteMadison County, MO's covered employment was 1.0% 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
- +1 % = 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
noteMadison County, MO's average weekly wage of $802 ranks 3,004th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Madison County, MO is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.