New Madrid County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.59, -89.66.
Assembled 2026-10-06. Read the brief.
- 3rd pct · 2,969th of 3,063 US counties · median $234,566
- 1st pct · 111th of 113 Missouri counties · median $224,499
- 28th pct · 2,183rd of 3,063 US counties · median +2.9%
- 6th pct · 106th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 47th pct · 1,701st of 3,221 US counties · median 8,232
- 58th pct · 48th of 115 Missouri counties · median 4,996
- 15th pct · 2,725th of 3,221 US counties · median $1,039
- 40th pct · 69th of 115 Missouri counties · median $902
- 6th pct · 2,859th of 3,063 US counties · median 4.3
- 2nd pct · 110th 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 $102,484 (Aug 2026), +0.9% over one year, +23.8% over five
- 3rd pct · 2,969th of 3,063 US counties · median $234,566
- 1st pct · 111th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| New Madrid County, MO | $102,484 · +0.9% 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 $561 a month on $102,484 at 7.28%, against an average weekly wage worth $3,800 a month: 14.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $102,484 × 80% = $81,987, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $561/mo principal and interest
- wage share = payment / (avg weekly wage $877 × 52 / 12 = $3,800) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $102,484 / ($877 × 52) = 2.2
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 #
7,381 jobs at 928 employers (2026 Q1); -1.1% jobs and +1.7% average weekly wage over the year
- 47th pct · 1,701st of 3,221 US counties · median 8,232
- 58th pct · 48th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| New Madrid County, MO | 7,381 jobs · $877/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,016 | $626 | 1.82 | +11.4% |
| Retail trade | 1,298 | $691 | 1.80 | -4.1% |
| Manufacturing | 801 | $1,240 | 1.35 | +1.0% |
| Wholesale trade | 453 | $1,483 | 1.60 | +5.3% |
| Administrative and waste services | 389 | $504 | 0.93 | +0.0% |
| Finance and insurance | 141 | $1,296 | 0.47 | +2.2% |
| Other services | 82 | $625 | 0.37 | +0.0% |
| Professional and technical services | 49 | $1,088 | 0.10 | +2.1% |
| Real estate and rental | 26 | $972 | 0.23 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
D0 abnormally dry
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 #
24 gauges · 0 flooding · 0 with quality panels · 10 stale
Sites found: 24, 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-07024175 | flow 349,000 ft³/s | 10 km |
| USGS-07043500 | flow 94.2 ft³/s | 28 km |
| USGS-07026680 | flow 0.00 ft³/s · STALE | 34 km |
| USGS-07027000 | stage 11.3 ft | 35 km |
| USGS-07027002 | flow 7.27 ft³/s · STALE | 35 km |
| USGS-07027005 | flow 41.7 ft³/s | 35 km |
| USGS-07026500 | stage 2.97 ft | 36 km |
| USGS-07026795 | flow 4.62 ft³/s · STALE | 37 km |
| USGS-07026370 | flow 0.80 ft³/s · STALE | 39 km |
| USGS-07026400 | flow 0.00 ft³/s · STALE | 39 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 #
10 wells in 0 named aquifers:
Sites found: 10, 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-362500089281101 | depth 24.6 ft · 2026-10-05 | 26 km |
| MO005-362718089552301 | depth -1.59 ft · 2026-10-05 | 28 km |
| MO005-362955089581801 | depth 17.5 ft · 2026-10-05 | 30 km |
| MO005-364643089212301 | depth 10.8 ft · 2026-10-05 | 34 km |
| MO005-365319089331001 | depth 8.34 ft · 2026-10-05 | 34 km |
| USGS-365427089553001 | depth 84.8 ft · 2012-01-16 | 42 km |
| MO005-361145089394101 | depth 24.7 ft · 2026-10-05 | 44 km |
| MO005-360425089485001 | depth 17.8 ft · 2026-10-05 | 60 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 / 0.35
Banks & federal dollars #
$436.1 m in deposits at 10 offices of 7 banks (SOD June 2026); HHI 2,144, highly concentrated. $117.5 m federal obligations in FY2026 (direct payments $109.1 m, grants $8.2 m), $15,915 per covered job
| Item | Value | Distance |
|---|---|---|
| Southern Bank | $114.3 m · 26.2% share · 2 offices | |
| Focus Bank | $112.4 m · 25.8% share · 1 office | |
| Bank of New Madrid | $98.9 m · 22.7% share · 2 offices | |
| New Madrid, MO | $117.5 m FY2026 · $15,915/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Southern Bank | $114,307,000 | 26.2% | 2 |
| Focus Bank | $112,357,000 | 25.8% | 1 |
| Bank of New Madrid | $98,877,000 | 22.7% | 2 |
| First State Bank and Trust Company, Inc. | $65,130,000 | 14.9% | 2 |
| First State Community Bank | $27,428,000 | 6.3% | 1 |
| Alliance Bank | $18,004,000 | 4.1% | 1 |
| First Midwest Bank of Dexter | $0 | 0.0% | 1 |
Deposit concentration is 2,144 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 = 26.2² + 25.8² + 22.7² + … (3 more) = 2,144
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 $15,915 per covered job, against 7,381 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $117.5 m / 7,381 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,915
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 #
New Madrid County, MO: 11 findings, 1 at a watch level and 10 noted
watchNew Madrid County, MO's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteNew Madrid County, MO's average weekly wage was 1.7% 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
- +1.7 % = 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
noteNew Madrid County, MO's covered employment was 1.1% 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
- -1.1 % = 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
noteNew Madrid County, MO's typical home value rose 0.8% from $101,685 in July 2026 to $102,484 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (102483.85837806114 - 101685.47371484574) / 101685.47371484574 × 100
- 102483.85837806114 = Zillow ZHVI, 2026-08
- 101685.47371484574 = Zillow ZHVI, 2026-07
noteNew Madrid County, MO's typical home value of $102,484 ranks 111th of 113 Missouri counties, against a median of $224,499.
Period 2026-08.Show the arithmetic
- 2 on the 0-to-100 scale across 113 Missouri counties that published home.latest
position among the entities that published this metric this period; not an official level
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.