Monroe County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.50, -92.01.
Assembled 2026-10-06. Read the brief.
- 47th pct · 1,610th of 3,063 US counties · median $234,566
- 53rd pct · 53rd of 113 Missouri counties · median $224,499
- 89th pct · 316th of 3,063 US counties · median +2.9%
- 82nd pct · 21st of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 13th pct · 2,780th of 3,221 US counties · median 8,232
- 13th pct · 100th of 115 Missouri counties · median 4,996
- 17th pct · 2,658th of 3,221 US counties · median $1,039
- 44th pct · 64th of 115 Missouri counties · median $902
- 63rd pct · 1,120th of 3,063 US counties · median 4.3
- 60th pct · 45th 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 $228,181 (Aug 2026), +7.7% over one year, +35.4% over five
- 47th pct · 1,610th of 3,063 US counties · median $234,566
- 53rd pct · 53rd of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Monroe County, MO | $228,181 · +7.7% 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 $1,249 a month on $228,181 at 7.28%, against an average weekly wage worth $3,857 a month: 32.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $228,181 × 80% = $182,544, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,249/mo principal and interest
- wage share = payment / (avg weekly wage $890 × 52 / 12 = $3,857) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $228,181 / ($890 × 52) = 4.9
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 #
1,733 jobs at 263 employers (2026 Q1); -2.7% jobs and +8.0% average weekly wage over the year
- 13th pct · 2,780th of 3,221 US counties · median 8,232
- 13th pct · 100th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Monroe County, MO | 1,733 jobs · $890/wk · -2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 255 | $1,067 | 1.51 | -4.9% |
| Health care and social assistance | 158 | $639 | 0.61 | +0.0% |
| Wholesale trade | 106 | $1,360 | 1.60 | -8.6% |
| Manufacturing | 90 | $818 | 0.65 | +0.0% |
| Accommodation and food services | 90 | $299 | 0.58 | -26.8% |
| Professional and technical services | 27 | $1,185 | 0.23 | +0.0% |
| Construction | 22 | $722 | 0.24 | +0.0% |
| Information | 17 | $1,435 | 0.53 | +0.0% |
| Other services | 16 | $587 | 0.31 | +0.0% |
| Arts, entertainment and recreation | 12 | $780 | 0.42 | -42.9% |
| Unclassified | 0 | $0 | 0.00 | +0.0% |
| Agriculture, forestry, fishing | 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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$282.7 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,149, highly concentrated. $81.5 m federal obligations in FY2026 (direct payments $75.0 m, grants $6.0 m), $47,006 per covered job
| Item | Value | Distance |
|---|---|---|
| TPNB Bank | $83.7 m · 29.6% share · 1 office | |
| HNB National Bank | $60.3 m · 21.3% share · 1 office | |
| MA Bank | $54.3 m · 19.2% share · 1 office | |
| Monroe, MO | $81.5 m FY2026 · $47,006/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TPNB Bank | $83,729,000 | 29.6% | 1 |
| HNB National Bank | $60,298,000 | 21.3% | 1 |
| MA Bank | $54,255,000 | 19.2% | 1 |
| Alliant Bank | $45,376,000 | 16.0% | 2 |
| Regional Missouri Bank | $39,072,000 | 13.8% | 1 |
Deposit concentration is 2,149 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 = 29.6² + 21.3² + 19.2² + … (2 more) = 2,149
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 #
That is $47,006 per covered job, against 1,733 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $81.5 m / 1,733 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $47,006
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 #
Monroe County, MO: 5 findings, 1 at a watch level and 4 noted
watchMonroe County, MO's covered employment is -2.7% 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 = -2.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMonroe County, MO's average weekly wage was 8.0% 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
- +8 % = 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
noteMonroe County, MO's covered employment was 2.7% 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
- -2.7 % = 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
noteMonroe County, MO's covered employment of -2.7% ranks 107th of 115 Missouri counties, against a median of +0.4%.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 115 Missouri counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Monroe 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.