Randolph County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.44, -92.49.
Assembled 2026-10-06. Read the brief.
- 29th pct · 2,158th of 3,063 US counties · median $234,566
- 24th pct · 86th of 113 Missouri counties · median $224,499
- 83rd pct · 515th of 3,063 US counties · median +2.9%
- 72nd pct · 32nd of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 53rd pct · 1,505th of 3,221 US counties · median 8,232
- 70th pct · 35th of 115 Missouri counties · median 4,996
- 37th pct · 2,015th of 3,221 US counties · median $1,039
- 73rd pct · 31st of 115 Missouri counties · median $902
- 33rd pct · 2,032nd of 3,063 US counties · median 4.3
- 20th pct · 90th 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 $182,613 (Aug 2026), +6.5% over one year, +32.7% over five
- 29th pct · 2,158th of 3,063 US counties · median $234,566
- 24th pct · 86th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Randolph County, MO | $182,613 · +6.5% 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
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 $1,000 a month on $182,613 at 7.28%, against an average weekly wage worth $4,255 a month: 23.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $182,613 × 80% = $146,090, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,000/mo principal and interest
- wage share = payment / (avg weekly wage $982 × 52 / 12 = $4,255) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $182,613 / ($982 × 52) = 3.6
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 #
9,389 jobs at 691 employers (2026 Q1); 0.0% jobs and +2.9% average weekly wage over the year
- 53rd pct · 1,505th of 3,221 US counties · median 8,232
- 70th pct · 35th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Randolph County, MO | 9,389 jobs · $982/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,201 | $658 | 1.31 | -0.3% |
| Manufacturing | 1,070 | $1,137 | 1.42 | -6.2% |
| Transportation and warehousing | 752 | $1,079 | 1.90 | +0.9% |
| Accommodation and food services | 689 | $381 | 0.82 | +7.3% |
| Construction | 329 | $1,177 | 0.67 | +16.3% |
| Finance and insurance | 213 | $1,751 | 0.56 | +0.5% |
| Real estate and rental | 208 | $1,570 | 1.44 | -5.9% |
| Other services | 174 | $774 | 0.62 | -10.3% |
| Professional and technical services | 159 | $1,073 | 0.25 | +0.0% |
| Arts, entertainment and recreation | 59 | $229 | 0.38 | +5.4% |
| Information | 35 | $1,037 | 0.20 | -38.6% |
| 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 #
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$513.8 m in deposits at 12 offices of 8 banks (SOD June 2026); HHI 2,636, highly concentrated. $147.3 m federal obligations in FY2026 (direct payments $145.0 m, grants $2.2 m), $15,685 per covered job
| Item | Value | Distance |
|---|---|---|
| The Central Trust Bank | $221.5 m · 43.1% share · 3 offices | |
| Regional Missouri Bank | $104.8 m · 20.4% share · 2 offices | |
| Commerce Bank | $68.9 m · 13.4% share · 1 office | |
| Randolph, MO | $147.3 m FY2026 · $15,685/job | |
| MULTIPLE RECIPIENTS | $137.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Central Trust Bank | $221,507,000 | 43.1% | 3 |
| Regional Missouri Bank | $104,783,000 | 20.4% | 2 |
| Commerce Bank | $68,889,000 | 13.4% | 1 |
| County Bank | $55,665,000 | 10.8% | 1 |
| First State Community Bank | $37,115,000 | 7.2% | 2 |
| Academy Bank, National Association | $16,583,000 | 3.2% | 1 |
| Equity Bank | $6,290,000 | 1.2% | 1 |
| Alliant Bank | $3,012,000 | 0.6% | 1 |
Deposit concentration is 2,636 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 43.1² + 20.4² + 13.4² + … (5 more) = 2,636
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 | $110,420,022 |
| Department of Veterans Affairs | $19,050,184 |
| Railroad Retirement Board | $7,954,057 |
| Department of Education | $4,897,354 |
| Department of Agriculture | $2,552,300 |
| Department of Housing and Urban Development | $1,473,379 |
| Department of Transportation | $789,537 |
| Department of Defense | $89,403 |
| Federal Communications Commission | $78,538 |
| Department of Homeland Security | $5,748 |
| Department of Health and Human Services | $0 |
| Small Business Administration | $0 |
That is $15,685 per covered job, against 9,389 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $147.3 m / 9,389 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,685
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 #
Randolph County, MO: 3 findings, 1 at a watch level and 2 noted
watchRandolph County, MO's average weekly wage of $982 scores 37 on the 0-to-100 scale across US counties but 74 across Missouri counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |37 across US counties - 74 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteRandolph County, MO's average weekly wage 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
noteThe next Zillow ZHVI typical home value (monthly) covering Randolph 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.