St. Francois County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.81, -90.47.
Assembled 2026-10-06. Read the brief.
- 33rd pct · 2,025th of 3,063 US counties · median $234,566
- 29th pct · 80th of 113 Missouri counties · median $224,499
- 45th pct · 1,677th of 3,063 US counties · median +2.9%
- 18th pct · 92nd of 113 Missouri counties · median +4.9%
- 5th pct · 1,325th of 1,399 US counties · median $1,496
- 14th pct · 30th of 35 Missouri counties · median $1,231
- 73rd pct · 847th of 3,221 US counties · median 8,232
- 85th pct · 18th of 115 Missouri counties · median 4,996
- 19th pct · 2,592nd of 3,221 US counties · median $1,039
- 50th pct · 58th of 115 Missouri counties · median $902
- 46th pct · 1,638th of 3,063 US counties · median 4.3
- 31st pct · 78th 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 $192,949 (Aug 2026), +2.5% over one year, +25.2% over five
- 33rd pct · 2,025th of 3,063 US counties · median $234,566
- 29th pct · 80th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| St. Francois County, MO | $192,949 · +2.5% 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 #
Typical rent $940/mo (Aug 2026), n/a over one year; price-to-rent 17.1
- 5th pct · 1,325th of 1,399 US counties · median $1,496
- 14th pct · 30th of 35 Missouri counties · median $1,231
| Item | Value | Distance |
|---|---|---|
| St. Francois County, MO | $940/mo · n/a 1-yr |
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 $1,056 a month on $192,949 at 7.28%, against an average weekly wage worth $3,909 a month: 27.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $192,949 × 80% = $154,359, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,056/mo principal and interest
- wage share = payment / (avg weekly wage $902 × 52 / 12 = $3,909) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $192,949 / ($902 × 52) = 4.1
- price-to-rent = $192,949 / ($940 × 12) = 17.1
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 #
22,848 jobs at 2,006 employers (2026 Q1); -1.2% jobs and +5.7% average weekly wage over the year
- 73rd pct · 847th of 3,221 US counties · median 8,232
- 85th pct · 18th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| St. Francois County, MO | 22,848 jobs · $902/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,453 | $960 | 1.30 | +4.8% |
| Retail trade | 3,169 | $669 | 1.42 | -0.8% |
| Accommodation and food services | 2,270 | $432 | 1.11 | -1.3% |
| Manufacturing | 1,614 | $1,055 | 0.88 | +4.3% |
| Finance and insurance | 1,368 | $1,287 | 1.47 | +2.3% |
| Construction | 1,218 | $1,311 | 1.02 | -1.9% |
| Other services | 685 | $787 | 1.00 | +1.3% |
| Wholesale trade | 563 | $1,036 | 0.64 | -2.9% |
| Administrative and waste services | 401 | $580 | 0.31 | -35.3% |
| Professional and technical services | 389 | $1,043 | 0.25 | -1.3% |
| Transportation and warehousing | 331 | $1,076 | 0.34 | +0.0% |
| Information | 138 | $996 | 0.33 | -28.1% |
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$1.7 bn in deposits at 24 offices of 6 banks (SOD June 2026); HHI 3,242, highly concentrated. $469.2 m federal obligations in FY2026 (direct payments $443.2 m, contracts $16.9 m), $20,537 per covered job
| Item | Value | Distance |
|---|---|---|
| First State Community Bank | $907.5 m · 52.3% share · 9 offices | |
| Belgrade State Bank | $244.4 m · 14.1% share · 2 offices | |
| New Era Bank | $203.7 m · 11.7% share · 5 offices | |
| St. Francois, MO | $469.2 m FY2026 · $20,537/job | |
| MULTIPLE RECIPIENTS | $425.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First State Community Bank | $907,535,000 | 52.3% | 9 |
| Belgrade State Bank | $244,356,000 | 14.1% | 2 |
| New Era Bank | $203,688,000 | 11.7% | 5 |
| U.S. Bank National Association | $166,946,000 | 9.6% | 3 |
| UNICO Bank | $108,360,000 | 6.2% | 4 |
| Ozarks Federal Savings and Loan Association | $103,475,000 | 6.0% | 1 |
Deposit concentration is 3,242 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 52.3² + 14.1² + 11.7² + … (3 more) = 3,242
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 | $362,464,037 |
| Department of Veterans Affairs | $57,192,028 |
| Department of Defense | $12,563,509 |
| Department of Housing and Urban Development | $11,741,414 |
| Department of Health and Human Services | $6,682,995 |
| Department of Education | $6,548,850 |
| Railroad Retirement Board | $5,534,583 |
| Department of Justice | $3,520,583 |
| Department of Agriculture | $1,213,924 |
| Department of Transportation | $761,864 |
| Environmental Protection Agency | $701,990 |
| Federal Communications Commission | $314,171 |
That is $20,537 per covered job, against 22,848 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $469.2 m / 22,848 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,537
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 | -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 #
St. Francois County, MO: 9 findings, 2 at a watch level and 7 noted
watchSt. Francois County, MO's covered employment is -1.2% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSt. Francois County, MO's average weekly wage of $902 scores 19 on the 0-to-100 scale across US counties but 50 across Missouri counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |19 across US counties - 50 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteSt. Francois County, MO's average weekly wage was 5.7% 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
- +5.7 % = 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
noteSt. Francois County, MO's covered employment was 1.2% lower 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
- -1.2 % = 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
noteSt. Francois County, MO's typical home value rose 0.3% from $192,444 in July 2026 to $192,949 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (192948.71827699072 - 192444.4875296382) / 192444.4875296382 × 100
- 192948.71827699072 = Zillow ZHVI, 2026-08
- 192444.4875296382 = Zillow ZHVI, 2026-07
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.