Stoddard County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.85, -89.95.
Assembled 2026-10-06. Read the brief.
- 18th pct · 2,508th of 3,063 US counties · median $234,566
- 13th pct · 98th of 113 Missouri counties · median $224,499
- 71st pct · 869th of 3,063 US counties · median +2.9%
- 51st pct · 55th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 55th pct · 1,443rd of 3,221 US counties · median 8,232
- 71st pct · 33rd of 115 Missouri counties · median 4,996
- 33rd pct · 2,145th of 3,221 US counties · median $1,039
- 70th pct · 35th of 115 Missouri counties · median $902
- 22nd pct · 2,376th of 3,063 US counties · median 4.3
- 11th pct · 100th 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 $156,105 (Aug 2026), +4.9% over one year, +10.4% over five
- 18th pct · 2,508th of 3,063 US counties · median $234,566
- 13th pct · 98th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Stoddard County, MO | $156,105 · +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
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 $854 a month on $156,105 at 7.28%, against an average weekly wage worth $4,182 a month: 20.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $156,105 × 80% = $124,884, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $854/mo principal and interest
- wage share = payment / (avg weekly wage $965 × 52 / 12 = $4,182) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $156,105 / ($965 × 52) = 3.1
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 #
10,030 jobs at 890 employers (2026 Q1); -0.4% jobs and +10.5% average weekly wage over the year
- 55th pct · 1,443rd of 3,221 US counties · median 8,232
- 71st pct · 33rd of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Stoddard County, MO | 10,030 jobs · $965/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,208 | $1,392 | 2.74 | +2.2% |
| Retail trade | 1,219 | $708 | 1.25 | -6.1% |
| Accommodation and food services | 643 | $453 | 0.71 | -7.6% |
| Construction | 423 | $1,258 | 0.80 | -13.1% |
| Wholesale trade | 368 | $1,126 | 0.96 | +7.3% |
| Finance and insurance | 302 | $1,169 | 0.74 | -3.8% |
| Administrative and waste services | 207 | $877 | 0.36 | -11.5% |
| Transportation and warehousing | 206 | $985 | 0.49 | -14.2% |
| Real estate and rental | 124 | $1,199 | 0.81 | +0.8% |
| Other services | 124 | $711 | 0.41 | +7.8% |
| Information | 55 | $1,358 | 0.30 | -6.8% |
| Utilities | 44 | $2,200 | 1.11 | +4.8% |
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 #
D0 abnormally dry
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
22 gauges · 0 flooding · 1 with quality panels averaging 80 % · 5 stale
Sites found: 22, 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 |
|---|---|---|
| USGS-07020850 | stage 27.1 ft · quality 80 % (5) | 63 km |
| USGS-07043500 | flow 94.2 ft³/s | 19 km |
| USGS-07040000 | flow 200.0 ft³/s · STALE | 24 km |
| USGS-07021020 | stage 3.37 ft · STALE | 29 km |
| USGS-07039500 | flow 171.0 ft³/s | 30 km |
| USGS-07021000 | flow 81.1 ft³/s | 35 km |
| USGS-07063000 | flow 486.0 ft³/s | 41 km |
| USGS-07024175 | flow 346,000 ft³/s | 47 km |
| USGS-07040100 | flow 135.0 ft³/s · STALE | 47 km |
| USGS-07062575 | flow 444.0 ft³/s | 59 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 0 named aquifers:
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 |
|---|---|---|
| USGS-365427089553001 | depth 84.8 ft · 2012-01-16 | 7 km |
| MO005-370248090042601 | depth 10.2 ft · 2026-10-05 | 24 km |
| MO005-365319089331001 | depth 8.34 ft · 2026-10-05 | 35 km |
| MO005-362955089581801 | depth 17.5 ft · 2026-10-05 | 39 km |
| MO005-371125089445301 | depth 19.8 ft · 2026-10-05 | 42 km |
| MO005-362718089552301 | depth -1.59 ft · 2026-10-05 | 44 km |
| MO005-365141090304001 | depth 126.5 ft · 2026-10-05 | 50 km |
| MO005-364643089212301 | depth 10.8 ft · 2026-10-05 | 53 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 #
$1.1 bn in deposits at 20 offices of 10 banks (SOD June 2026); HHI 1,967, highly concentrated. $213.8 m federal obligations in FY2026 (direct payments $203.9 m, contracts $7.4 m), $21,311 per covered job
| Item | Value | Distance |
|---|---|---|
| The Bank of Advance | $339.6 m · 30.1% share · 5 offices | |
| Southern Bank | $259.0 m · 23.0% share · 5 offices | |
| First Midwest Bank of Dexter | $228.6 m · 20.3% share · 3 offices | |
| Stoddard, MO | $213.8 m FY2026 · $21,311/job | |
| MULTIPLE RECIPIENTS | $188.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Bank of Advance | $339,585,000 | 30.1% | 5 |
| Southern Bank | $258,959,000 | 23.0% | 5 |
| First Midwest Bank of Dexter | $228,616,000 | 20.3% | 3 |
| Sterling Bank | $84,098,000 | 7.5% | 1 |
| First Midwest Bank of the Ozarks | $48,156,000 | 4.3% | 1 |
| U.S. Bank National Association | $36,795,000 | 3.3% | 1 |
| First State Bank and Trust Company, Inc. | $35,433,000 | 3.1% | 1 |
| Regions Bank | $32,880,000 | 2.9% | 1 |
| Fm Bank And Trust | $32,042,000 | 2.8% | 1 |
| Peoples Community Bank | $29,933,000 | 2.7% | 1 |
Deposit concentration is 1,967 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 30.1² + 23.0² + 20.3² + … (7 more) = 1,967
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 | $158,495,492 |
| Department of Veterans Affairs | $27,898,038 |
| Department of Agriculture | $15,604,147 |
| Department of Defense | $5,579,342 |
| Department of Housing and Urban Development | $1,728,641 |
| Railroad Retirement Board | $1,721,903 |
| Department of Transportation | $1,566,267 |
| Department of the Interior | $669,738 |
| Delta Regional Authority | $459,103 |
| Department of Education | $158,134 |
| Federal Communications Commission | $37,987 |
| Small Business Administration | $0 |
That is $21,311 per covered job, against 10,030 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $213.8 m / 10,030 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,311
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 #
Stoddard County, MO: 6 findings, 2 at a watch level and 4 noted
watchStoddard County, MO's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchStoddard County, MO's average weekly wage of $965 scores 33 on the 0-to-100 scale across US counties but 70 across Missouri counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |33 across US counties - 70 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteStoddard County, MO's average weekly wage was 10.5% 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
- +10.5 % = 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
noteStoddard County, MO's typical home value rose 0.6% from $155,116 in July 2026 to $156,105 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (156104.53546181507 - 155116.1786887621) / 155116.1786887621 × 100
- 156104.53546181507 = Zillow ZHVI, 2026-08
- 155116.1786887621 = Zillow ZHVI, 2026-07
noteStoddard County, MO's covered employment 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
Read all 6 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.