Osage County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.46, -91.86.
Assembled 2026-10-06. Read the brief.
- 60th pct · 1,202nd of 3,063 US counties · median $234,566
- 78th pct · 25th 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.
- 55th pct · 1,354th of 3,063 US counties · median +2.9%
- 26th pct · 83rd 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.
- 34th pct · 2,112th of 3,221 US counties · median 8,232
- 43rd pct · 65th 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.
- 39th pct · 1,945th of 3,221 US counties · median $1,039
- 75th pct · 29th 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.
- 66th pct · 1,018th of 3,063 US counties · median 4.3
- 69th pct · 35th 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 $266,225 (Aug 2026), +3.5% over one year, +28.9% over five
- 60th pct · 1,202nd of 3,063 US counties · median $234,566
- 78th pct · 25th 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 |
|---|---|---|
| Osage County, MO | $266,225 · +3.5% 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 $1,457 a month on $266,225 at 7.28%, against an average weekly wage worth $4,303 a month: 33.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $266,225 × 80% = $212,980, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,457/mo principal and interest
- wage share = payment / (avg weekly wage $993 × 52 / 12 = $4,303) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $266,225 / ($993 × 52) = 5.2
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 #
4,555 jobs at 289 employers (2026 Q1); +4.6% jobs and +3.3% average weekly wage over the year
- 34th pct · 2,112th of 3,221 US counties · median 8,232
- 43rd pct · 65th 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 |
|---|---|---|
| Osage County, MO | 4,555 jobs · $993/wk · +4.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,829 | $1,166 | 4.99 | +10.1% |
| Retail trade | 475 | $763 | 1.07 | +2.4% |
| Health care and social assistance | 265 | $608 | 0.39 | +6.9% |
| Wholesale trade | 163 | $1,865 | 0.93 | +2.5% |
| Finance and insurance | 122 | $1,229 | 0.66 | +7.0% |
| Other services | 69 | $788 | 0.51 | +0.0% |
| Administrative and waste services | 30 | $984 | 0.12 | +7.1% |
| Real estate and rental | 14 | $699 | 0.20 | +55.6% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | 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 #
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| Monroe City Lake near Monroe City, MO | 1,045 Acre-ft (USGS, no capacity on file) | 128 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 #
21 gauges · 0 flooding · 4 with quality panels averaging 93 % · 1 stale
Sites found: 21, 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 |
|---|---|---|
| Missouri River at Hermann, MO | flow 177,000 ft³/s · quality 70 % (5) · no flooding | 46 km |
| Gasconade River near Rich Fountain, MO | flow 463.0 ft³/s · quality 100 % (1) · no flooding | 9 km |
| Maries River at Westphalia, MO | flow 2.43 ft³/s · no flooding | 12 km |
| Osage River at Mari-Osa Campground | no flooding | 13 km |
| Missouri River near Chamois | ACTION stage | 25 km |
| Moreau River near Jefferson City, MO | flow 5.46 ft³/s · no flooding | 30 km |
| Osage River below St. Thomas, MO | flow 1,530 ft³/s · quality 100 % (1) · no flooding | 31 km |
| Missouri River at Jefferson City, MO | flow 177,000 ft³/s · quality 100 % (1) · no flooding | 31 km |
| Auxvasse Creek near Reform, MO | stage 5.60 ft | 33 km |
| Osage River near St. Thomas, MO | flow 16,500 ft³/s · STALE | 35 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 #
29 wells in 3 named aquifers: Ozark Plateaus aquifer system, Alluvial aquifers, Cambrian-Ordovician aquifer system
Sites found: 29, 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 331.4 ft · 2026-10-05 | 2 km |
| Ozark Plateaus aquifer system | depth 185.8 ft · 2026-10-05 | 22 km |
| USGS-383151092081601 | depth 3.19 ft · 2017-07-12 | 25 km |
| Alluvial aquifers | depth 22.3 ft · 2026-10-05 | 30 km |
| Ozark Plateaus aquifer system | depth 128.7 ft · 2026-10-05 | 33 km |
| Ozark Plateaus aquifer system | depth 153.5 ft · 2026-10-05 | 34 km |
| Cambrian-Ordovician aquifer system | depth 249.5 ft · 2026-10-05 | 36 km |
| Ozark Plateaus aquifer system | depth 218.8 ft · 2026-10-05 | 38 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.07 / 0.55
Banks & federal dollars #
$573.1 m in deposits at 9 offices of 4 banks (SOD June 2026); HHI 4,169, highly concentrated. $82.5 m federal obligations in FY2026 (direct payments $78.2 m, grants $4.3 m), $18,120 per covered job
| Item | Value | Distance |
|---|---|---|
| Legends Bank | $306.0 m · 53.4% share · 4 offices | |
| Mid America Bank | $202.8 m · 35.4% share · 3 offices | |
| Heritage Community Bank | $39.1 m · 6.8% share · 1 office | |
| Osage, MO | $82.5 m FY2026 · $18,120/job | |
| MULTIPLE RECIPIENTS | $72.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Legends Bank | $306,002,000 | 53.4% | 4 |
| Mid America Bank | $202,806,000 | 35.4% | 3 |
| Heritage Community Bank | $39,143,000 | 6.8% | 1 |
| The Maries County Bank | $25,144,000 | 4.4% | 1 |
Deposit concentration is 4,169 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 = 53.4² + 35.4² + 6.8² + … (1 more) = 4,169
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 | $62,920,731 |
| Department of Veterans Affairs | $8,510,366 |
| Department of Agriculture | $3,054,082 |
| Department of Health and Human Services | $3,026,188 |
| Department of Education | $2,810,031 |
| Department of Transportation | $1,310,645 |
| Railroad Retirement Board | $776,272 |
| Federal Communications Commission | $127,060 |
| Small Business Administration | $0 |
That is $18,120 per covered job, against 4,555 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $82.5 m / 4,555 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,120
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 #
Osage County, MO: 8 findings, 1 at a watch level and 7 noted
watchOsage County, MO's average weekly wage of $993 scores 39 on the 0-to-100 scale across US counties but 75 across Missouri counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |39 across US counties - 75 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteOsage County, MO's covered employment was 4.6% 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
- +4.6 % = 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
noteOsage County, MO's average weekly wage was 3.3% 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
- +3.3 % = 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
noteOsage County, MO's typical home value rose 1.0% from $263,651 in July 2026 to $266,225 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.0% = (266224.72106881015 - 263650.5120631471) / 263650.5120631471 × 100
- 266224.72106881015 = Zillow ZHVI, 2026-08
- 263650.5120631471 = Zillow ZHVI, 2026-07
noteOsage County, MO's covered employment of +4.6% ranks 7th of 115 Missouri counties, against a median of +0.4%.
Period 2026 Q1.Show the arithmetic
- 95 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
Read all 8 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.