Boone County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.99, -92.31.
Assembled 2026-10-19. Read the brief.
- 76th pct · 729th of 3,063 US counties · median $230,451
- 96th pct · 5th of 113 Missouri counties · median $221,167
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
- 45th pct · 1,668th of 3,062 US counties · median +2.9%
- 18th pct · 92nd of 113 Missouri counties · median +4.5%
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
- 46th pct · 731st of 1,358 US counties · median $1,506
- 76th pct · 9th of 35 Missouri counties · median $1,229
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
- 90th pct · 298th of 3,221 US counties · median 8,232
- 94th pct · 7th of 115 Missouri counties · median 4,996
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
- 79th pct · 648th of 3,221 US counties · median $1,039
- 93rd pct · 8th of 115 Missouri counties · median $902
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
- 67th pct · 1,010th of 3,063 US counties · median 4.2
- 69th pct · 35th of 113 Missouri counties · median 4.7
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
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 $328,757 (Sep 2026), +2.5% over one year, +28.5% over five
- 76th pct · 729th of 3,063 US counties · median $230,451
- 96th pct · 5th of 113 Missouri counties · median $221,167
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Boone County, MO | $328,757 · +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 $1,463/mo (Sep 2026), +5.5% over one year; price-to-rent 18.7
- 46th pct · 731st of 1,358 US counties · median $1,506
- 76th pct · 9th of 35 Missouri counties · median $1,229
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Boone County, MO | $1,463/mo · +5.5% 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 $1,821 a month on $328,757 at 7.40%, against an average weekly wage worth $5,360 a month: 34.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $328,757 × 80% = $263,005, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,821/mo principal and interest
- wage share = payment / (avg weekly wage $1,237 × 52 / 12 = $5,360) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $328,757 / ($1,237 × 52) = 5.1
- price-to-rent = $328,757 / ($1,463 × 12) = 18.7
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 #
100,367 jobs at 5,449 employers (2026 Q1); +0.2% jobs and +4.4% average weekly wage over the year
- 90th pct · 298th of 3,221 US counties · median 8,232
- 94th pct · 7th of 115 Missouri counties · median 4,996
- counties in the Columbia metro: Rank context is unavailable: the manifest lists 3 counties in the Columbia metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Boone County, MO | 100,367 jobs · $1,237/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 12,986 | $1,108 | 0.86 | +3.7% |
| Accommodation and food services | 11,247 | $443 | 1.25 | +2.2% |
| Retail trade | 10,701 | $739 | 1.09 | +0.5% |
| Finance and insurance | 6,211 | $2,134 | 1.52 | +3.0% |
| Manufacturing | 4,977 | $1,459 | 0.62 | -0.5% |
| Construction | 4,077 | $1,467 | 0.77 | +7.6% |
| Professional and technical services | 3,523 | $1,354 | 0.51 | -5.3% |
| Management of companies | 2,945 | $1,885 | 1.75 | +0.5% |
| Administrative and waste services | 2,374 | $892 | 0.42 | -10.8% |
| Transportation and warehousing | 2,285 | $959 | 0.54 | +0.0% |
| Other services | 2,255 | $911 | 0.75 | -6.8% |
| Real estate and rental | 1,509 | $988 | 0.98 | +1.7% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$5.8 bn in deposits at 59 offices of 23 banks (SOD June 2026); HHI 1,842, highly concentrated. $1.1 bn federal obligations in FY2026 (direct payments $919.6 m, grants $173.5 m), $11,007 per covered job
| Item | Value | Distance |
|---|---|---|
| The Central Trust Bank | $2.2 bn · 37.3% share · 14 offices | |
| Commerce Bank | $828.9 m · 14.2% share · 5 offices | |
| Simmons Bank | $572.3 m · 9.8% share · 6 offices | |
| Boone, MO | $1.1 bn FY2026 · $11,007/job | |
| MULTIPLE RECIPIENTS | $839.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Central Trust Bank | $2,179,692,000 | 37.3% | 14 |
| Commerce Bank | $828,890,000 | 14.2% | 5 |
| Simmons Bank | $572,305,000 | 9.8% | 6 |
| Bank of America, National Association | $429,083,000 | 7.4% | 2 |
| First State Community Bank | $293,834,000 | 5.0% | 3 |
| U.S. Bank National Association | $292,848,000 | 5.0% | 3 |
| The Bank of Missouri | $215,064,000 | 3.7% | 2 |
| The Callaway Bank | $151,358,000 | 2.6% | 3 |
| First Mid Bank & Trust, National Association | $139,017,000 | 2.4% | 2 |
| First Midwest Bank of the Ozarks | $138,432,000 | 2.4% | 2 |
Deposit concentration is 1,842 across 23 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 23 banks with deposits in the county = 37.3² + 14.2² + 9.8² + … (20 more) = 1,842
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 | $727,157,060 |
| Department of Veterans Affairs | $145,296,248 |
| Department of Health and Human Services | $88,544,429 |
| Department of Education | $60,999,207 |
| Department of Agriculture | $27,196,323 |
| Department of Transportation | $24,045,907 |
| National Science Foundation | $14,292,008 |
| Department of Commerce | $10,692,227 |
| Federal Communications Commission | $7,151,969 |
| Department of Energy | $3,664,232 |
| Railroad Retirement Board | $3,114,685 |
| Department of the Interior | $2,992,750 |
That is $11,007 per covered job, against 100,367 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 100,367 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,007
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 #
Boone County, MO: 11 findings, 1 at a watch level and 10 noted
watchBoone County, MO's typical asking rent of $1,463 scores 46 on the 0-to-100 scale across US counties but 76 across Missouri counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |46 across US counties - 76 across Missouri counties|
position among the entities that published this metric this period; not an official level
noteBoone County, MO's average weekly wage was 4.4% 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
- +4.4 % = 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
noteBoone County, MO's typical asking rent rose 1.0% from $1,450 in August 2026 to $1,463 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.0% = (1463.4144051885987 - 1449.527115525435) / 1449.527115525435 × 100
- 1463.4144051885987 = Zillow ZORI, 2026-09
- 1449.527115525435 = Zillow ZORI, 2026-08
noteBoone County, MO's covered employment was 0.2% 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
- +0.2 % = 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
noteBoone County, MO's typical home value of $328,757 ranks 5th of 113 Missouri counties, against a median of $221,167.
Period 2026-09.Show the arithmetic
- 96 on the 0-to-100 scale across 113 Missouri counties that published home.latest
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.