Texas County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.31, -91.96.
Assembled 2026-10-06. Read the brief.
- 39th pct · 1,840th of 3,063 US counties · median $234,566
- 43rd pct · 64th of 113 Missouri counties · median $224,499
- 92nd pct · 230th of 3,063 US counties · median +2.9%
- 86th pct · 16th of 113 Missouri counties · median +4.9%
- US counties: not published this period
- Missouri counties: not published this period
- 41st pct · 1,894th of 3,221 US counties · median 8,232
- 52nd pct · 55th of 115 Missouri counties · median 4,996
- 10th pct · 2,872nd of 3,221 US counties · median $1,039
- 29th pct · 81st of 115 Missouri counties · median $902
- 59th pct · 1,232nd of 3,063 US counties · median 4.3
- 50th pct · 57th 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 $208,576 (Aug 2026), +8.6% over one year, +38.3% over five
- 39th pct · 1,840th of 3,063 US counties · median $234,566
- 43rd pct · 64th of 113 Missouri counties · median $224,499
| Item | Value | Distance |
|---|---|---|
| Texas County, MO | $208,576 · +8.6% 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 $1,142 a month on $208,576 at 7.28%, against an average weekly wage worth $3,657 a month: 31.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $208,576 × 80% = $166,861, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,142/mo principal and interest
- wage share = payment / (avg weekly wage $844 × 52 / 12 = $3,657) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $208,576 / ($844 × 52) = 4.8
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 #
5,783 jobs at 659 employers (2026 Q1); -1.8% jobs and +4.7% average weekly wage over the year
- 41st pct · 1,894th of 3,221 US counties · median 8,232
- 52nd pct · 55th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Texas County, MO | 5,783 jobs · $844/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 817 | $1,018 | 1.76 | -5.2% |
| Retail trade | 811 | $603 | 1.44 | -3.6% |
| Health care and social assistance | 605 | $662 | 0.70 | +1.7% |
| Accommodation and food services | 370 | $356 | 0.71 | +2.5% |
| Transportation and warehousing | 237 | $959 | 0.97 | -4.8% |
| Construction | 183 | $919 | 0.60 | +1.7% |
| Finance and insurance | 144 | $1,015 | 0.61 | +0.0% |
| Other services | 85 | $875 | 0.49 | +30.8% |
| Professional and technical services | 81 | $761 | 0.20 | -28.3% |
| Agriculture, forestry, fishing | 55 | $746 | 1.32 | +19.6% |
| Information | 36 | $908 | 0.34 | -2.7% |
| Mining, oil and gas | 31 | $776 | 1.51 | +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 #
D3 extreme 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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$538.8 m in deposits at 11 offices of 8 banks (SOD June 2026); HHI 1,563, moderately concentrated. $172.8 m federal obligations in FY2026 (direct payments $167.3 m, grants $5.2 m), $29,873 per covered job
| Item | Value | Distance |
|---|---|---|
| Simmons Bank | $138.7 m · 25.7% share · 2 offices | |
| Peoples Community Bank | $83.0 m · 15.4% share · 1 office | |
| Town & Country Bank | $81.1 m · 15.0% share · 1 office | |
| Texas, MO | $172.8 m FY2026 · $29,873/job | |
| MULTIPLE RECIPIENTS | $165.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Simmons Bank | $138,708,000 | 25.7% | 2 |
| Peoples Community Bank | $83,028,000 | 15.4% | 1 |
| Town & Country Bank | $81,064,000 | 15.0% | 1 |
| Progressive Ozark Bank | $67,841,000 | 12.6% | 2 |
| Security Bank of the Ozarks | $65,697,000 | 12.2% | 2 |
| The Bank of Houston | $46,201,000 | 8.6% | 1 |
| West Plains Bank and Trust Company | $33,044,000 | 6.1% | 1 |
| Heritage Bank of the Ozarks | $23,215,000 | 4.3% | 1 |
Deposit concentration is 1,563 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 25.7² + 15.4² + 15.0² + … (5 more) = 1,563
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 | $125,200,327 |
| Department of Veterans Affairs | $39,135,786 |
| Department of Transportation | $4,407,948 |
| Department of Housing and Urban Development | $1,454,304 |
| Railroad Retirement Board | $871,426 |
| Department of Education | $618,692 |
| Department of Agriculture | $489,830 |
| Delta Regional Authority | $423,805 |
| Federal Communications Commission | $79,241 |
| Department of Justice | $71,896 |
| Environmental Protection Agency | -$5 |
That is $29,873 per covered job, against 5,783 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $172.8 m / 5,783 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,873
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 #
Texas County, MO: 6 findings, 1 at a watch level and 5 noted
watchTexas County, MO's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTexas County, MO's average weekly wage was 4.7% 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
- +4.7 % = 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
noteTexas County, MO's covered employment was 1.8% 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
- -1.8 % = 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
noteTexas County, MO's typical home value rose 0.3% from $208,005 in July 2026 to $208,576 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (208575.7159551389 - 208004.65422147373) / 208004.65422147373 × 100
- 208575.7159551389 = Zillow ZHVI, 2026-08
- 208004.65422147373 = Zillow ZHVI, 2026-07
noteTexas County, MO's typical home value of +8.6% ranks 230th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 93 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
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.