Appanoose County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.74, -92.87.
Assembled 2026-10-19. Read the brief.
- 6th pct · 2,873rd of 3,063 US counties · median $230,451
- 1st pct · 98th of 99 Iowa counties · median $192,339
- 7th pct · 2,820th of 3,062 US counties · median +2.9%
- 2nd pct · 97th of 99 Iowa counties · median +4.2%
- US counties: not published this period
- Iowa counties: not published this period
- 34th pct · 2,121st of 3,221 US counties · median 8,232
- 36th pct · 63rd of 99 Iowa counties · median 5,685
- 35th pct · 2,074th of 3,221 US counties · median $1,039
- 16th pct · 83rd of 99 Iowa counties · median $1,057
- 7th pct · 2,819th of 3,063 US counties · median 4.2
- 3rd pct · 96th of 99 Iowa counties · median 3.5
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 $116,296 (Sep 2026), -2.6% over one year, -3.9% over five
- 6th pct · 2,873rd of 3,063 US counties · median $230,451
- 1st pct · 98th of 99 Iowa counties · median $192,339
| Item | Value | Distance |
|---|---|---|
| Appanoose County, IA | $116,296 · -2.6% 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
- Iowa 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 $644 a month on $116,296 at 7.40%, against an average weekly wage worth $4,221 a month: 15.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $116,296 × 80% = $93,037, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $644/mo principal and interest
- wage share = payment / (avg weekly wage $974 × 52 / 12 = $4,221) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $116,296 / ($974 × 52) = 2.3
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 #
4,465 jobs at 375 employers (2026 Q1); 0.0% jobs and +6.2% average weekly wage over the year
- 34th pct · 2,121st of 3,221 US counties · median 8,232
- 36th pct · 63rd of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Appanoose County, IA | 4,465 jobs · $974/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 941 | $1,236 | 2.62 | +1.1% |
| Health care and social assistance | 696 | $1,131 | 1.04 | -0.1% |
| Retail trade | 618 | $583 | 1.42 | -0.5% |
| Accommodation and food services | 339 | $303 | 0.85 | -10.1% |
| Transportation and warehousing | 233 | $1,033 | 1.24 | -7.5% |
| Construction | 153 | $1,193 | 0.65 | +24.4% |
| Administrative and waste services | 120 | $862 | 0.47 | +0.0% |
| Finance and insurance | 116 | $1,230 | 0.64 | +6.4% |
| Utilities | 99 | $2,150 | 5.61 | -5.7% |
| Wholesale trade | 99 | $1,033 | 0.58 | +26.9% |
| Other services | 88 | $749 | 0.66 | -4.3% |
| Information | 52 | $1,192 | 0.63 | +10.6% |
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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 |
|---|---|---|
| Marceline Lake near Marceline, MO | 1,881 Acre-ft (USGS, no capacity on file) | 121 km |
| Stanberry Lake near Gentry, MO | 1,329 Acre-ft (USGS, no capacity on file) | 141 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 #
21 gauges · 0 flooding · 3 with quality panels averaging 67 % · 3 stale
Sites found: 21, 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 |
|---|---|---|
| Medicine Creek at Lucerne, MO | stage 5.33 ft · quality 0 % (1) | 47 km |
| Cooper Creek at Centerville, IA | flow 4.24 ft³/s | 1 km |
| Chariton River near Rathbun, IA | flow 414.0 ft³/s | 9 km |
| Chariton River near Moulton, IA | flow 833.0 ft³/s | 10 km |
| South Fork Chariton River near Promise City, IA | flow 13.7 ft³/s | 28 km |
| Chariton River at Livonia, MO | flow 29.9 ft³/s · STALE | 33 km |
| Fox River at Bloomfield, IA | flow 2.47 ft³/s · STALE | 38 km |
| Chariton River near Chariton, IA | flow 10.4 ft³/s | 40 km |
| Bear Creek at Ottumwa, IA | stage 79.5 ft | 46 km |
| Des Moines River at Ottumwa, IA | flow 22,700 ft³/s · quality 100 % (1) | 49 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 #
5 wells in 2 named aquifers: Mississippian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 5, 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 |
|---|---|---|
| Sand and gravel aquifers (glaciated regions) | depth 13.3 ft · 2026-10-18 | 37 km |
| USGS-405820093252501 | depth 6.61 ft · 2014-09-30 | 53 km |
| USGS-412023092471201 | depth 76.8 ft · 1992-11-03 | 67 km |
| Mississippian aquifers | depth 27.1 ft · 2026-10-18 | 73 km |
| USGS-411912092273601 | depth 102.6 ft · 1992-09-29 | 73 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 (0.12)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.33 / 0.55
Banks & federal dollars #
$264.5 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,647, highly concentrated. $85.9 m federal obligations in FY2026 (direct payments $83.0 m, grants $1.8 m), $19,246 per covered job
| Item | Value | Distance |
|---|---|---|
| Iowa Trust and Savings Bank | $142.1 m · 53.7% share · 2 offices | |
| U.S. Bank National Association | $63.5 m · 24.0% share · 1 office | |
| Farmers Bank of Northern Missouri | $28.3 m · 10.7% share · 1 office | |
| Appanoose, IA | $85.9 m FY2026 · $19,246/job | |
| MULTIPLE RECIPIENTS | $80.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Iowa Trust and Savings Bank | $142,054,000 | 53.7% | 2 |
| U.S. Bank National Association | $63,481,000 | 24.0% | 1 |
| Farmers Bank of Northern Missouri | $28,312,000 | 10.7% | 1 |
| Iowa State Bank and Trust Company of Fairfield, Iowa | $19,847,000 | 7.5% | 1 |
| Success Bank | $10,837,000 | 4.1% | 1 |
Deposit concentration is 3,647 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 53.7² + 24.0² + 10.7² + … (2 more) = 3,647
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 | $72,208,734 |
| Department of Veterans Affairs | $7,092,786 |
| Department of Agriculture | $2,479,091 |
| Department of Transportation | $1,155,700 |
| Department of Defense | $1,043,455 |
| Department of Housing and Urban Development | $960,543 |
| Railroad Retirement Board | $764,158 |
| Department of Education | $118,035 |
| Department of Health and Human Services | $75,000 |
| Federal Communications Commission | $37,804 |
| Small Business Administration | $0 |
That is $19,246 per covered job, against 4,465 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $85.9 m / 4,465 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,246
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Appanoose County, IA: 11 findings, 1 at a watch level and 10 noted
watchAppanoose County, IA's typical home value is -2.6% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: home.yoyPct = -2.5673217521514653 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteAppanoose County, IA's average weekly wage was 6.2% 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
- +6.2 % = 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
noteAppanoose County, IA's typical home value fell 1.0% from $117,432 in August 2026 to $116,296 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -1.0% = (116296.49979842955 - 117431.88883729624) / 117431.88883729624 × 100
- 116296.49979842955 = Zillow ZHVI, 2026-09
- 117431.88883729624 = Zillow ZHVI, 2026-08
noteAppanoose County, IA's typical home value of $116,296 ranks 98th of 99 Iowa counties, against a median of $192,339.
Period 2026-09.Show the arithmetic
- 1 on the 0-to-100 scale across 99 Iowa counties that published home.latest
position among the entities that published this metric this period; not an official level
noteAppanoose County, IA's typical home value of -2.6% ranks 97th of 99 Iowa counties, against a median of +4.2%.
Period 2026-09.Show the arithmetic
- 2 on the 0-to-100 scale across 99 Iowa counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 11 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.