Ray County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.31, -94.00.
Assembled 2026-10-06. Read the brief.
- 60th pct · 1,198th of 3,063 US counties · median $234,566
- 79th pct · 24th of 113 Missouri counties · median $224,499
- 46th pct · 8th of 14 counties in the Kansas City metro · median $279,567
- 70th pct · 894th of 3,063 US counties · median +2.9%
- 50th pct · 57th of 113 Missouri counties · median +4.9%
- 61st pct · 6th of 14 counties in the Kansas City metro · median +4.6%
- US counties: not published this period
- Missouri counties: not published this period
- counties in the Kansas City metro: not published this period
- 31st pct · 2,192nd of 3,221 US counties · median 8,232
- 41st pct · 68th of 115 Missouri counties · median 4,996
- 23rd pct · 11th of 14 counties in the Kansas City metro · median 15,305
- 18th pct · 2,621st of 3,221 US counties · median $1,039
- 48th pct · 60th of 115 Missouri counties · median $902
- 15th pct · 12th of 14 counties in the Kansas City metro · median $1,052
- 75th pct · 753rd of 3,063 US counties · median 4.3
- 82nd pct · 21st of 113 Missouri counties · median 4.8
- 69th pct · 5th of 14 counties in the Kansas City metro · median 5.5
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 $266,605 (Aug 2026), +4.9% over one year, +31.8% over five
- 60th pct · 1,198th of 3,063 US counties · median $234,566
- 79th pct · 24th of 113 Missouri counties · median $224,499
- 46th pct · 8th of 14 counties in the Kansas City metro · median $279,567
| Item | Value | Distance |
|---|---|---|
| Ray County, MO | $266,605 · +4.9% 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
- counties in the Kansas City metro: 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 $1,459 a month on $266,605 at 7.28%, against an average weekly wage worth $3,887 a month: 37.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $266,605 × 80% = $213,284, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,459/mo principal and interest
- wage share = payment / (avg weekly wage $897 × 52 / 12 = $3,887) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $266,605 / ($897 × 52) = 5.7
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 #
4,069 jobs at 468 employers (2026 Q1); +2.2% jobs and +0.8% average weekly wage over the year
- 31st pct · 2,192nd of 3,221 US counties · median 8,232
- 41st pct · 68th of 115 Missouri counties · median 4,996
- 23rd pct · 11th of 14 counties in the Kansas City metro · median 15,305
| Item | Value | Distance |
|---|---|---|
| Ray County, MO | 4,069 jobs · $897/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 596 | $584 | 1.50 | +8.4% |
| Manufacturing | 459 | $1,244 | 1.40 | +2.5% |
| Accommodation and food services | 336 | $387 | 0.92 | -7.7% |
| Other services | 217 | $747 | 1.78 | +22.6% |
| Construction | 162 | $1,038 | 0.76 | +0.0% |
| Transportation and warehousing | 120 | $904 | 0.70 | +4.3% |
| Finance and insurance | 112 | $1,704 | 0.68 | +3.7% |
| Professional and technical services | 110 | $1,376 | 0.39 | -5.2% |
| Arts, entertainment and recreation | 62 | $290 | 0.93 | +17.0% |
| Wholesale trade | 55 | $1,046 | 0.35 | -1.8% |
| Utilities | 23 | $3,110 | 1.43 | -8.0% |
| Real estate and rental | 15 | $658 | 0.24 | +0.0% |
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 #
$330.0 m in deposits at 8 offices of 8 banks (SOD June 2026); HHI 1,865, highly concentrated. $144.0 m federal obligations in FY2026 (direct payments $145.6 m, loans $32,986), $35,389 per covered job
| Item | Value | Distance |
|---|---|---|
| NBH Bank | $106.4 m · 32.2% share · 1 office | |
| Community Bank of Missouri | $60.5 m · 18.3% share · 1 office | |
| TBO Bank | $38.4 m · 11.6% share · 1 office | |
| Ray, MO | $144.0 m FY2026 · $35,389/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| NBH Bank | $106,391,000 | 32.2% | 1 |
| Community Bank of Missouri | $60,459,000 | 18.3% | 1 |
| TBO Bank | $38,379,000 | 11.6% | 1 |
| Flat Branch Bank | $37,624,000 | 11.4% | 1 |
| The Central Trust Bank | $36,885,000 | 11.2% | 1 |
| Academy Bank, National Association | $29,437,000 | 8.9% | 1 |
| Goppert Financial Bank | $11,656,000 | 3.5% | 1 |
| BTC Bank | $9,203,000 | 2.8% | 1 |
Deposit concentration is 1,865 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 = 32.2² + 18.3² + 11.6² + … (5 more) = 1,865
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 $35,389 per covered job, against 4,069 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $144.0 m / 4,069 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,389
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 #
Ray County, MO: 4 findings, 4 noted
noteRay County, MO's covered employment was 2.2% 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
- +2.2 % = 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
noteRay County, MO's average weekly wage was 0.8% 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
- +0.8 % = 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
noteRay County, MO's typical home value rose 0.6% from $265,003 in July 2026 to $266,605 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (266604.9949612783 - 265002.87316296087) / 265002.87316296087 × 100
- 266604.9949612783 = Zillow ZHVI, 2026-08
- 265002.87316296087 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Ray 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.