Saline County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.14, -93.20.
Assembled 2026-10-06. Read the brief.
- 30th pct · 2,137th of 3,063 US counties · median $234,566
- 25th pct · 85th of 113 Missouri counties · median $224,499
- 79th pct · 619th of 3,063 US counties · median +2.9%
- 66th pct · 38th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 52nd pct · 1,535th of 3,221 US counties · median 8,232
- 65th pct · 40th of 115 Missouri counties · median 4,996
- 20th pct · 2,552nd of 3,221 US counties · median $1,039
- 52nd pct · 55th of 115 Missouri counties · median $902
- 41st pct · 1,780th of 3,063 US counties · median 4.3
- 25th pct · 85th 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 $184,101 (Aug 2026), +6.0% over one year, +19.7% over five
- 30th pct · 2,137th of 3,063 US counties · median $234,566
- 25th pct · 85th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Saline County, MO | $184,101 · +6.0% 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 $1,008 a month on $184,101 at 7.28%, against an average weekly wage worth $3,935 a month: 25.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $184,101 × 80% = $147,281, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,008/mo principal and interest
- wage share = payment / (avg weekly wage $908 × 52 / 12 = $3,935) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $184,101 / ($908 × 52) = 3.9
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 #
8,963 jobs at 688 employers (2026 Q1); +1.6% jobs and -0.4% average weekly wage over the year
- 52nd pct · 1,535th of 3,221 US counties · median 8,232
- 65th pct · 40th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Saline County, MO | 8,963 jobs · $908/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,085 | $1,114 | 2.89 | +2.0% |
| Retail trade | 943 | $616 | 1.08 | +5.1% |
| Accommodation and food services | 504 | $315 | 0.63 | -11.1% |
| Administrative and waste services | 333 | $802 | 0.65 | +41.7% |
| Wholesale trade | 299 | $1,279 | 0.87 | -2.3% |
| Agriculture, forestry, fishing | 262 | $1,071 | 4.05 | +1.6% |
| Finance and insurance | 250 | $1,319 | 0.68 | +8.2% |
| Construction | 139 | $966 | 0.30 | -15.2% |
| Other services | 132 | $774 | 0.49 | -0.8% |
| Arts, entertainment and recreation | 100 | $358 | 0.68 | +8.7% |
| Information | 75 | $940 | 0.45 | +2.7% |
| Real estate and rental | 20 | $638 | 0.15 | -13.0% |
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| Concordia Lake near Concordia, MO | 2,372 Acre-ft (USGS, no capacity on file) | 39 km |
| Marceline Lake near Marceline, MO | 1,911 Acre-ft (USGS, no capacity on file) | 61 km |
| Monroe City Lake near Monroe City, MO | 1,045 Acre-ft (USGS, no capacity on file) | 143 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 #
23 gauges · 0 flooding · 2 with quality panels averaging 80 % · 3 stale
Sites found: 23, 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 |
|---|---|---|
| Grand River near Sumner, MO | flow 9,030 ft³/s · quality 80 % (5) · no flooding | 56 km |
| Missouri River at Napoleon, MO | flow 93,400 ft³/s · quality 80 % (5) · ACTION stage | 74 km |
| Blackwater River at Blue Lick, MO | flow 25.3 ft³/s · no flooding | 16 km |
| Missouri River at Miami | observation not current | 21 km |
| Missouri River at Waverly, MO | flow 108,000 ft³/s · ACTION stage | 28 km |
| Missouri River at Glasgow, MO | flow 140,000 ft³/s · ACTION stage | 32 km |
| Grand River near Brunswick | observation not current | 33 km |
| Wakenda Creek at Carrollton, MO | flow 9.72 ft³/s · no flooding | 33 km |
| Missouri River at Boonville, MO | flow 149,000 ft³/s · ACTION stage | 43 km |
| Blackwater River at Valley City, MO | flow 8.66 ft³/s · low threshold | 47 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 #
19 wells in 4 named aquifers: Ozark Plateaus aquifer system, Sand and gravel aquifers (glaciated regions), Alluvial aquifers…
Sites found: 19, 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 |
|---|---|---|
| Alluvial aquifers | depth 59.6 ft · 2026-10-05 | 12 km |
| USGS-391622093161001 | depth 0.47 ft · 2016-07-24 | 16 km |
| Sand and gravel aquifers (glaciated regions) | depth 85.6 ft · 2026-10-05 | 16 km |
| Ozark Plateaus aquifer system | depth 57.9 ft · 2026-10-05 | 24 km |
| USGS-385853092592801 | depth 27.7 ft · 2016-12-11 | 25 km |
| Alluvial aquifers | depth 11.2 ft · 2026-10-05 | 35 km |
| Ozark Plateaus aquifer system | depth 197.6 ft · 2026-10-05 | 38 km |
| Ozark Plateaus aquifer system | depth 287.9 ft · 2026-10-05 | 45 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 (0.07)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.20 / 0.55
Banks & federal dollars #
$733.0 m in deposits at 15 offices of 6 banks (SOD June 2026); HHI 3,044, highly concentrated. $136.8 m federal obligations in FY2026 (direct payments $126.2 m, grants $10.6 m), $15,266 per covered job
| Item | Value | Distance |
|---|---|---|
| Wood & Huston Bank | $313.1 m · 42.7% share · 5 offices | |
| Community Bank of Marshall | $189.7 m · 25.9% share · 5 offices | |
| Exchange Bank of Missouri | $167.5 m · 22.8% share · 2 offices | |
| Saline, MO | $136.8 m FY2026 · $15,266/job | |
| MULTIPLE RECIPIENTS | $116.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wood & Huston Bank | $313,095,000 | 42.7% | 5 |
| Community Bank of Marshall | $189,682,000 | 25.9% | 5 |
| Exchange Bank of Missouri | $167,470,000 | 22.8% | 2 |
| First State Community Bank | $28,760,000 | 3.9% | 1 |
| Equity Bank | $23,842,000 | 3.3% | 1 |
| Bank 21 | $10,119,000 | 1.4% | 1 |
Deposit concentration is 3,044 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 = 42.7² + 25.9² + 22.8² + … (3 more) = 3,044
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 | $102,331,082 |
| Department of Veterans Affairs | $12,227,425 |
| Department of Transportation | $6,447,555 |
| Department of Education | $4,582,840 |
| Department of Health and Human Services | $3,848,178 |
| Department of Agriculture | $3,360,846 |
| Department of Housing and Urban Development | $2,162,679 |
| Railroad Retirement Board | $1,753,493 |
| Federal Communications Commission | $76,323 |
| Department of Defense | $38,320 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
That is $15,266 per covered job, against 8,963 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $136.8 m / 8,963 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,266
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 #
Saline County, MO: 5 findings, 2 at a watch level and 3 noted
watchSaline County, MO's average weekly wage is -0.4% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -0.4 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchSaline County, MO's average weekly wage of $908 scores 21 on the 0-to-100 scale across US counties but 53 across Missouri counties, a gap of 32 points.
Period 2026 Q1.Show the arithmetic
- 32 = |21 across US counties - 53 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteSaline County, MO's covered employment was 1.6% 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
- +1.6 % = 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
noteSaline County, MO's average weekly wage was 0.4% 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
- -0.4 % = 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 Saline 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.