Oregon County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.69, -91.40.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,335th of 3,063 US counties · median $234,566
- 16th pct · 94th of 113 Missouri counties · median $224,499
- 63rd pct · 1,113th of 3,063 US counties · median +2.9%
- 38th pct · 70th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 22nd pct · 2,509th of 3,221 US counties · median 8,232
- 28th pct · 83rd of 115 Missouri counties · median 4,996
- 2nd pct · 3,126th of 3,221 US counties · median $1,039
- 6th pct · 108th of 115 Missouri counties · median $902
- 55th pct · 1,366th of 3,063 US counties · median 4.3
- 43rd pct · 64th 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 $170,440 (Aug 2026), +4.2% over one year, +22.2% over five
- 23rd pct · 2,335th of 3,063 US counties · median $234,566
- 16th pct · 94th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Oregon County, MO | $170,440 · +4.2% 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 $933 a month on $170,440 at 7.28%, against an average weekly wage worth $3,124 a month: 29.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $170,440 × 80% = $136,352, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $933/mo principal and interest
- wage share = payment / (avg weekly wage $721 × 52 / 12 = $3,124) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $170,440 / ($721 × 52) = 4.5
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 #
2,709 jobs at 291 employers (2026 Q1); +6.3% jobs and +3.4% average weekly wage over the year
- 22nd pct · 2,509th of 3,221 US counties · median 8,232
- 28th pct · 83rd of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Oregon County, MO | 2,709 jobs · $721/wk · +6.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 969 | $806 | 2.38 | +11.6% |
| Retail trade | 423 | $564 | 1.60 | -0.5% |
| Manufacturing | 159 | $758 | 0.73 | +3.9% |
| Transportation and warehousing | 95 | $713 | 0.83 | +50.8% |
| Professional and technical services | 65 | $1,097 | 0.35 | +22.6% |
| Finance and insurance | 61 | $820 | 0.55 | +0.0% |
| Real estate and rental | 7 | $583 | 0.17 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Wholesale trade | 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 #
33 gauges · 0 flooding · 1 with quality panels averaging 100 % · 6 stale
Sites found: 33, 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-07071000 | flow 182.0 ft³/s · no flooding | 12 km |
| USGS-07071500 | flow 260.0 ft³/s · no flooding | 18 km |
| USGS-07069190 | flow 224.0 ft³/s | 24 km |
| USGS-07069220 | flow 295.0 ft³/s | 26 km |
| USGS-07069305 | flow 306.0 ft³/s · no flooding | 42 km |
| USGS-07069295 | flow 3.89 ft³/s | 42 km |
| USGS-07069297 | flow 3.90 ft³/s · STALE | 44 km |
| USGS-07072000 | flow 375.0 ft³/s · no flooding | 46 km |
| USGS-07067500 | flow 377.0 ft³/s | 47 km |
| USGS-07065200 | flow 23.8 ft³/s · no flooding | 48 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-363539091384501 | depth 137.4 ft · 2016-05-10 | 24 km |
| USGS-370003091205301 | depth 410.4 ft · 2014-06-29 | 35 km |
| MO005-364324091515001 | depth 230.9 ft · 2026-10-05 | 43 km |
| MO005-365949091421401 | depth 360.2 ft · 2026-10-05 | 44 km |
| MO005-365654091001301 | depth 22.7 ft · 2026-10-05 | 46 km |
| MO005-365559092030001 | depth 208.6 ft · 2026-10-05 | 64 km |
| MO005-363442090364301 | depth 13.8 ft · 2026-10-05 | 71 km |
| USGS-371910091081101 | depth 48.4 ft · 2006-05-31 | 74 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 #
$220.4 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 4,161, highly concentrated. $76.1 m federal obligations in FY2026 (direct payments $74.1 m, grants $1.7 m), $28,104 per covered job
| Item | Value | Distance |
|---|---|---|
| Southern Bank | $116.4 m · 52.8% share · 3 offices | |
| Alton Bank | $77.1 m · 35.0% share · 1 office | |
| Community First Banking Company | $26.9 m · 12.2% share · 1 office | |
| Oregon, MO | $76.1 m FY2026 · $28,104/job | |
| MULTIPLE RECIPIENTS | $69.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Southern Bank | $116,406,000 | 52.8% | 3 |
| Alton Bank | $77,085,000 | 35.0% | 1 |
| Community First Banking Company | $26,925,000 | 12.2% | 1 |
Deposit concentration is 4,161 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 52.8² + 35.0² + 12.2² = 4,161
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 | $55,908,119 |
| Department of Veterans Affairs | $10,147,050 |
| Department of Agriculture | $4,570,427 |
| Railroad Retirement Board | $3,926,424 |
| Department of Housing and Urban Development | $506,341 |
| Department of Transportation | $444,513 |
| Department of Justice | $347,809 |
| Federal Communications Commission | $222,205 |
| Department of Education | $42,013 |
| Small Business Administration | $18,938 |
That is $28,104 per covered job, against 2,709 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $76.1 m / 2,709 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,104
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 | -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 #
Oregon County, MO: 9 findings, 9 noted
noteOregon County, MO's covered employment was 6.3% 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
- +6.3 % = 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
noteOregon County, MO's average weekly wage was 3.4% 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
- +3.4 % = 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
noteOregon County, MO's typical home value fell 0.9% from $171,904 in July 2026 to $170,440 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.9% = (170440.4572261032 - 171904.3409702592) / 171904.3409702592 × 100
- 170440.4572261032 = Zillow ZHVI, 2026-08
- 171904.3409702592 = Zillow ZHVI, 2026-07
noteOregon County, MO's covered employment of +6.3% ranks 3rd of 115 Missouri counties, against a median of +0.4%.
Period 2026 Q1.Show the arithmetic
- 98 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
noteOregon County, MO's average weekly wage of $721 ranks 3,126th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 3 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
Read all 9 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.