Ralls County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.55, -91.52.
Assembled 2026-10-06. Read the brief.
- 60th pct · 1,207th of 3,063 US counties · median $234,566
- 77th pct · 26th of 113 Missouri counties · median $224,499
- 69th pct · 940th of 3,063 US counties · median +2.9%
- 45th pct · 62nd of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 29th pct · 2,283rd of 3,221 US counties · median 8,232
- 36th pct · 73rd of 115 Missouri counties · median 4,996
- 47th pct · 1,683rd of 3,221 US counties · median $1,039
- 84th pct · 19th of 115 Missouri counties · median $902
- 64th pct · 1,099th of 3,063 US counties · median 4.3
- 63rd pct · 42nd 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 $265,970 (Aug 2026), +4.7% over one year, +38.9% over five
- 60th pct · 1,207th of 3,063 US counties · median $234,566
- 77th pct · 26th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Ralls County, MO | $265,970 · +4.7% 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 $1,456 a month on $265,970 at 7.28%, against an average weekly wage worth $4,459 a month: 32.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $265,970 × 80% = $212,776, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,456/mo principal and interest
- wage share = payment / (avg weekly wage $1,029 × 52 / 12 = $4,459) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $265,970 / ($1,029 × 52) = 5.0
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 #
3,631 jobs at 280 employers (2026 Q1); +2.9% jobs and +0.5% average weekly wage over the year
- 29th pct · 2,283rd of 3,221 US counties · median 8,232
- 36th pct · 73rd of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Ralls County, MO | 3,631 jobs · $1,029/wk · +2.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,975 | $1,126 | 6.76 | +4.0% |
| Retail trade | 301 | $747 | 0.85 | +1.7% |
| Wholesale trade | 149 | $1,219 | 1.07 | -3.9% |
| Accommodation and food services | 136 | $256 | 0.42 | +6.2% |
| Other services | 53 | $867 | 0.49 | -15.9% |
| Finance and insurance | 37 | $1,220 | 0.25 | +8.8% |
| Arts, entertainment and recreation | 35 | $1,069 | 0.59 | +66.7% |
| Professional and technical services | 32 | $582 | 0.13 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | 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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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 | 1,046 Acre-ft (USGS, no capacity on file) | 13 km |
| Marceline Lake near Marceline, MO | 1,912 Acre-ft (USGS, no capacity on file) | 127 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 #
24 gauges · 0 flooding · 0 with quality panels · 5 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 |
|---|---|---|
| Salt River near Center, MO | flow 16.4 ft³/s | 5 km |
| Salt River near New London, MO | flow 518.0 ft³/s | 12 km |
| Spencer Creek below Plum Creek near Frankford, MO | flow 8.11 ft³/s | 16 km |
| Bear Creek at Hannibal, MO | flow 2.02 ft³/s | 17 km |
| Lick Creek at Perry, MO | flow 0.00 ft³/s | 19 km |
| North River at Palmyra, MO | flow 42.0 ft³/s | 29 km |
| Long Branch near Santa Fe, MO | flow 0.00 ft³/s | 34 km |
| South Fork Salt River above Santa Fe, MO | flow 1.15 ft³/s | 37 km |
| South Fabius River near Taylor, MO | flow 260.0 ft³/s | 39 km |
| Crooked Creek near Paris, MO | flow 1.96 ft³/s | 40 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 #
11 wells in 4 named aquifers: Cambrian-Ordovician aquifer system, Mississippian aquifers, Sand and gravel aquifers (glaciated regions)…
Sites found: 11, 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 |
|---|---|---|
| Cambrian-Ordovician aquifer system | depth 94.6 ft · 2026-10-04 | 28 km |
| Mississippi River Valley alluvial aquifer | depth 15.3 ft · 2026-10-04 | 33 km |
| Sand and gravel aquifers (glaciated regions) | depth 30.5 ft · 2026-10-05 | 48 km |
| Cambrian-Ordovician aquifer system | depth 344.4 ft · 2026-10-03 | 51 km |
| Cambrian-Ordovician aquifer system | depth 62.3 ft · 2026-10-04 | 57 km |
| Cambrian-Ordovician aquifer system | depth 133.2 ft · 2026-10-04 | 60 km |
| Cambrian-Ordovician aquifer system | depth 393.5 ft · 2026-10-04 | 65 km |
| Mississippian aquifers | depth 113.8 ft · 2026-10-04 | 66 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 #
$188.4 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 6,046, highly concentrated. $88.5 m federal obligations in FY2026 (direct payments $75.3 m, grants $12.7 m), $24,384 per covered job
| Item | Value | Distance |
|---|---|---|
| HNB National Bank | $137.3 m · 72.9% share · 1 office | |
| Royal Banks of Missouri | $51.1 m · 27.1% share · 2 offices | |
| Ralls, MO | $88.5 m FY2026 · $24,384/job | |
| MULTIPLE RECIPIENTS | $68.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| HNB National Bank | $137,287,000 | 72.9% | 1 |
| Royal Banks of Missouri | $51,106,000 | 27.1% | 2 |
Deposit concentration is 6,046 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 72.9² + 27.1² = 6,046
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 | $61,528,587 |
| Department of Transportation | $10,715,574 |
| Department of Agriculture | $6,367,203 |
| Department of Veterans Affairs | $6,124,563 |
| Department of Health and Human Services | $2,000,000 |
| Railroad Retirement Board | $1,192,915 |
| Department of Defense | $496,354 |
| Federal Communications Commission | $114,069 |
That is $24,384 per covered job, against 3,631 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $88.5 m / 3,631 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,384
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Ralls County, MO: 5 findings, 1 at a watch level and 4 noted
watchRalls County, MO's average weekly wage of $1,029 scores 48 on the 0-to-100 scale across US counties but 84 across Missouri counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |48 across US counties - 84 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteRalls County, MO's covered employment was 2.9% 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
- +2.9 % = 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
noteRalls County, MO's typical home value rose 0.8% from $263,914 in July 2026 to $265,970 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (265970.2044299368 - 263913.59580737725) / 263913.59580737725 × 100
- 265970.2044299368 = Zillow ZHVI, 2026-08
- 263913.59580737725 = Zillow ZHVI, 2026-07
noteRalls County, MO's average weekly wage 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
noteThe next Zillow ZHVI typical home value (monthly) covering Ralls 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.