Moniteau County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.63, -92.58.
Assembled 2026-10-07. Read the brief.
- 51st pct · 1,486th of 3,063 US counties · median $234,566
- 61st pct · 44th of 113 Missouri counties · median $224,499
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
- 67th pct · 1,006th of 3,063 US counties · median +2.9%
- 43rd pct · 64th of 113 Missouri counties · median +4.9%
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Missouri counties: not published this period
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
- 31st pct · 2,191st of 3,221 US counties · median 8,232
- 42nd pct · 67th of 115 Missouri counties · median 4,996
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
- 36th pct · 2,026th of 3,221 US counties · median $1,039
- 72nd pct · 32nd of 115 Missouri counties · median $902
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
- 58th pct · 1,272nd of 3,063 US counties · median 4.3
- 49th pct · 58th of 113 Missouri counties · median 4.8
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
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 $238,857 (Aug 2026), +4.5% over one year, +30.4% over five
- 51st pct · 1,486th of 3,063 US counties · median $234,566
- 61st pct · 44th of 113 Missouri counties · median $224,499
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Moniteau County, MO | $238,857 · +4.5% 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
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
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 $1,307 a month on $238,857 at 7.28%, against an average weekly wage worth $4,247 a month: 30.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $238,857 × 80% = $191,086, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,307/mo principal and interest
- wage share = payment / (avg weekly wage $980 × 52 / 12 = $4,247) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $238,857 / ($980 × 52) = 4.7
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 #
4,070 jobs at 387 employers (2026 Q1); +0.5% jobs and +4.9% average weekly wage over the year
- 31st pct · 2,191st of 3,221 US counties · median 8,232
- 42nd pct · 67th of 115 Missouri counties · median 4,996
- counties in the Jefferson City metro: Rank context is unavailable: the manifest lists 4 counties in the Jefferson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Moniteau County, MO | 4,070 jobs · $980/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 771 | $1,255 | 2.35 | +8.7% |
| Construction | 463 | $1,335 | 2.17 | -12.6% |
| Retail trade | 462 | $606 | 1.16 | -4.5% |
| Accommodation and food services | 194 | $363 | 0.53 | +3.2% |
| Wholesale trade | 116 | $932 | 0.74 | -10.1% |
| Finance and insurance | 108 | $1,983 | 0.65 | +0.0% |
| Administrative and waste services | 88 | $720 | 0.38 | +15.8% |
| Other services | 55 | $786 | 0.45 | +7.8% |
| Arts, entertainment and recreation | 13 | $507 | 0.19 | -7.1% |
| Information | 9 | $524 | 0.12 | -30.8% |
| Real estate and rental | 9 | $603 | 0.14 | +0.0% |
| Unclassified | 4 | $154 | 0.46 | +0.0% |
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 #
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 |
|---|---|---|
| Concordia Lake near Concordia, MO | 2,370 Acre-ft (USGS, no capacity on file) | 93 km |
| Marceline Lake near Marceline, MO | 1,909 Acre-ft (USGS, no capacity on file) | 120 km |
| Monroe City Lake near Monroe City, MO | 1,043 Acre-ft (USGS, no capacity on file) | 134 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 #
17 gauges · 0 flooding · 3 with quality panels averaging 100 % · 1 stale
Sites found: 17, 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 |
|---|---|---|
| Petite Saline Creek at Hwy U nr Boonville, M0 | flow 1.53 ft³/s | 33 km |
| Lamine River near Otterville, MO | flow 15.0 ft³/s | 35 km |
| Missouri River at Jefferson City, MO | flow 154,000 ft³/s · quality 100 % (1) | 36 km |
| Moreau River near Jefferson City, MO | flow 6.28 ft³/s | 36 km |
| Hinkson Creek at Columbia, MO | flow 0.59 ft³/s | 39 km |
| Osage River below St. Thomas, MO | flow 1,650 ft³/s · quality 100 % (1) | 40 km |
| Missouri River at Boonville, MO | flow 122,000 ft³/s | 41 km |
| Osage River near St. Thomas, MO | flow 16,500 ft³/s · STALE | 45 km |
| Osage River at Tuscumbia, MO | flow 3,810 ft³/s | 46 km |
| Osage River near Bagnell, MO | flow 1,950 ft³/s | 49 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 3 named aquifers: Ozark Plateaus aquifer system, Cambrian-Ordovician aquifer system, Alluvial 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 |
|---|---|---|
| Ozark Plateaus aquifer system | depth 260.7 ft · 2026-10-05 | 6 km |
| Ozark Plateaus aquifer system | depth 133.5 ft · 2026-10-05 | 17 km |
| USGS-384258092231401 | depth -2.13 ft · 2015-06-14 | 19 km |
| USGS-385156092263202 | depth 9.07 ft · 2016-11-20 | 29 km |
| Alluvial aquifers | depth 22.3 ft · 2026-10-05 | 37 km |
| Cambrian-Ordovician aquifer system | depth 203.3 ft · 2026-10-05 | 39 km |
| USGS-383151092081601 | depth 3.19 ft · 2017-07-12 | 40 km |
| Ozark Plateaus aquifer system | depth 185.8 ft · 2026-10-05 | 44 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$480.5 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 2,520, highly concentrated. $3.5 m federal obligations in FY2026 (grants $3.5 m, loans $9,685), $858 per covered job
| Item | Value | Distance |
|---|---|---|
| BTC Bank | $168.4 m · 35.1% share · 2 offices | |
| Commerce Bank | $131.4 m · 27.3% share · 2 offices | |
| The Central Trust Bank | $80.4 m · 16.7% share · 2 offices | |
| Moniteau, MO | $3.5 m FY2026 · $858/job | |
| MULTIPLE RECIPIENTS | $75.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| BTC Bank | $168,442,000 | 35.1% | 2 |
| Commerce Bank | $131,369,000 | 27.3% | 2 |
| The Central Trust Bank | $80,393,000 | 16.7% | 2 |
| Peoples Bank of Moniteau County | $73,320,000 | 15.3% | 2 |
| Hawthorn Bank | $27,004,000 | 5.6% | 1 |
Deposit concentration is 2,520 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 = 35.1² + 27.3² + 16.7² + … (2 more) = 2,520
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 | $66,293,888 |
| Department of Veterans Affairs | $7,824,312 |
| Department of Transportation | $3,445,191 |
| Department of Agriculture | $2,046,144 |
| Railroad Retirement Board | $1,084,804 |
| Federal Communications Commission | $135,984 |
| Department of Education | $60,367 |
| Small Business Administration | $0 |
| Department of Energy | -$45,695 |
That is $858 per covered job, against 4,070 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.5 m / 4,070 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $858
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 #
Moniteau County, MO: 6 findings, 1 at a watch level and 5 noted
watchMoniteau County, MO's average weekly wage of $980 scores 37 on the 0-to-100 scale across US counties but 73 across Missouri counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |37 across US counties - 73 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteMoniteau County, MO's average weekly wage was 4.9% 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
- +4.9 % = 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
noteMoniteau County, MO's covered employment was 0.5% 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
- +0.5 % = 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
noteMoniteau County, MO's typical home value rose 0.5% from $237,726 in July 2026 to $238,857 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (238856.95633204526 - 237726.4382986317) / 237726.4382986317 × 100
- 238856.95633204526 = Zillow ZHVI, 2026-08
- 237726.4382986317 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Moniteau 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
Read all 6 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.