Camden County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.03, -92.77.
Assembled 2026-10-19. Read the brief.
- 75th pct · 757th of 3,063 US counties · median $230,451
- 94th pct · 7th of 113 Missouri counties · median $221,167
- 5th pct · 2,884th of 3,062 US counties · median +2.9%
- 1st pct · 111th of 113 Missouri counties · median +4.5%
- 62nd pct · 505th of 1,358 US counties · median $1,506
- 94th pct · 3rd of 35 Missouri counties · median $1,229
- 68th pct · 1,030th of 3,221 US counties · median 8,232
- 80th pct · 23rd of 115 Missouri counties · median 4,996
- 22nd pct · 2,485th of 3,221 US counties · median $1,039
- 57th pct · 49th of 115 Missouri counties · median $902
- 86th pct · 402nd of 3,063 US counties · median 4.2
- 94th pct · 7th of 113 Missouri counties · median 4.7
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 $323,721 (Sep 2026), -3.6% over one year, +3.1% over five
- 75th pct · 757th of 3,063 US counties · median $230,451
- 94th pct · 7th of 113 Missouri counties · median $221,167
| Item | Value | Distance |
|---|---|---|
| Camden County, MO | $323,721 · -3.6% 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 #
Typical rent $1,659/mo (Sep 2026), +3.6% over one year; price-to-rent 16.3
- 62nd pct · 505th of 1,358 US counties · median $1,506
- 94th pct · 3rd of 35 Missouri counties · median $1,229
| Item | Value | Distance |
|---|---|---|
| Camden County, MO | $1,659/mo · +3.6% 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 $1,793 a month on $323,721 at 7.40%, against an average weekly wage worth $3,982 a month: 45.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $323,721 × 80% = $258,976, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,793/mo principal and interest
- wage share = payment / (avg weekly wage $919 × 52 / 12 = $3,982) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $323,721 / ($919 × 52) = 6.8
- price-to-rent = $323,721 / ($1,659 × 12) = 16.3
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 #
17,210 jobs at 1,840 employers (2026 Q1); +1.2% jobs and +2.1% average weekly wage over the year
- 68th pct · 1,030th of 3,221 US counties · median 8,232
- 80th pct · 23rd of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Camden County, MO | 17,210 jobs · $919/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,192 | $714 | 1.90 | +3.6% |
| Health care and social assistance | 3,176 | $1,234 | 1.23 | +0.0% |
| Accommodation and food services | 3,041 | $524 | 1.97 | -0.5% |
| Construction | 1,395 | $1,123 | 1.55 | +1.2% |
| Administrative and waste services | 629 | $708 | 0.64 | +3.5% |
| Arts, entertainment and recreation | 619 | $813 | 2.18 | -0.8% |
| Finance and insurance | 546 | $1,555 | 0.78 | -0.9% |
| Other services | 540 | $736 | 1.05 | +7.4% |
| Real estate and rental | 415 | $798 | 1.57 | +5.1% |
| Professional and technical services | 364 | $1,102 | 0.31 | +1.4% |
| Wholesale trade | 261 | $1,341 | 0.40 | -13.6% |
| Transportation and warehousing | 242 | $1,077 | 0.33 | -4.0% |
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 #
D2 severe 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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 | 2,326 Acre-ft (USGS, no capacity on file) | 123 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 #
31 gauges · 0 flooding · 1 with quality panels averaging 100 % · 9 stale
Sites found: 31, 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 |
|---|---|---|
| Niangua River at Tunnel Dam near Macks Creek, MO | flow 175.0 ft³/s · no flooding | 12 km |
| Niangua River ab Lake Niangua nr Macks Creek, MO | flow 160.0 ft³/s · no flooding | 22 km |
| Osage River near Bagnell, MO | flow 846.0 ft³/s · no flooding | 23 km |
| Osage River at Bagnell Dam | no flooding | 23 km |
| Little Niangua River near Macks Creek, MO | flow 0.38 ft³/s · no flooding | 28 km |
| Osage River at Tuscumbia, MO | flow 1,060 ft³/s · no flooding | 35 km |
| Bennett Spring at Bennett Springs, MO | flow 101.0 ft³/s · no flooding | 35 km |
| Gasconade River near Hazelgreen, MO | flow 73.6 ft³/s · low threshold | 40 km |
| Niangua River at Windyville, MO | flow 24.5 ft³/s · no flooding | 41 km |
| Pomme de Terre River at Hermitage, MO | flow 8.68 ft³/s · no flooding | 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 #
13 wells in 1 named aquifer: Ozark Plateaus aquifer system
Sites found: 13, 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 |
|---|---|---|
| Ozark Plateaus aquifer system | depth 290.5 ft · 2026-10-18 | 3 km |
| USGS-375920092463001 | depth 9.14 ft · 2016-09-25 | 4 km |
| Ozark Plateaus aquifer system | depth 129.1 ft · 2026-10-18 | 14 km |
| Ozark Plateaus aquifer system | depth 18.1 ft · 2026-10-18 | 27 km |
| Ozark Plateaus aquifer system | depth 226.6 ft · 2026-10-18 | 43 km |
| Ozark Plateaus aquifer system | depth 53.8 ft · 2026-10-18 | 50 km |
| USGS-381641093214601 | depth 8.20 ft · 2016-11-27 | 59 km |
| Ozark Plateaus aquifer system | depth 96.1 ft · 2026-10-18 | 60 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$3.8 bn in deposits at 22 offices of 11 banks (SOD June 2026); HHI 3,387, highly concentrated. $394.2 m federal obligations in FY2026 (direct payments $376.1 m, grants $17.9 m), $22,907 per covered job
| Item | Value | Distance |
|---|---|---|
| First Bank of the Lake | $2.0 bn · 52.7% share · 1 office | |
| The Central Trust Bank | $786.1 m · 20.4% share · 4 offices | |
| Oakstar Bank | $483.5 m · 12.6% share · 5 offices | |
| Camden, MO | $394.2 m FY2026 · $22,907/job | |
| MULTIPLE RECIPIENTS | $372.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Bank of the Lake | $2,027,237,000 | 52.7% | 1 |
| The Central Trust Bank | $786,079,000 | 20.4% | 4 |
| Oakstar Bank | $483,494,000 | 12.6% | 5 |
| U.S. Bank National Association | $170,614,000 | 4.4% | 2 |
| SULLIVAN BANK | $89,950,000 | 2.3% | 1 |
| Heritage Bank of the Ozarks | $80,968,000 | 2.1% | 1 |
| Great Southern Bank | $72,586,000 | 1.9% | 3 |
| The Bank of Versailles | $41,774,000 | 1.1% | 2 |
| First Mid Bank & Trust, National Association | $39,585,000 | 1.0% | 1 |
| Mid America Bank | $33,365,000 | 0.9% | 1 |
Deposit concentration is 3,387 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 52.7² + 20.4² + 12.6² + … (8 more) = 3,387
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 | $323,885,357 |
| Department of Veterans Affairs | $44,427,246 |
| Department of Transportation | $9,420,130 |
| Department of Health and Human Services | $7,980,677 |
| Railroad Retirement Board | $4,362,748 |
| Department of Housing and Urban Development | $1,655,714 |
| Department of Agriculture | $1,300,332 |
| Federal Communications Commission | $699,351 |
| Department of Justice | $464,635 |
| Department of Education | $35,020 |
| Small Business Administration | $0 |
That is $22,907 per covered job, against 17,210 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $394.2 m / 17,210 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,907
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 #
Camden County, MO: 16 findings, 5 at a watch level and 11 noted
watchCamden County, MO's typical home value is -3.6% 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 = -3.631618186460307 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCamden County, MO's typical asking rent is -3.1% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-09.Show the arithmetic
- test: rent.momPct = -3.1333104101711147 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchCamden County, MO's typical asking rent fell 3.1% from $1,713 in August 2026 to $1,659 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -3.1% = (1659.138888888889 - 1712.8064311006458) / 1712.8064311006458 × 100
- 1659.138888888889 = Zillow ZORI, 2026-09
- 1712.8064311006458 = Zillow ZORI, 2026-08
watchCamden County, MO's average weekly wage of $919 scores 23 on the 0-to-100 scale across US counties but 58 across Missouri counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |23 across US counties - 58 across Missouri counties|
position among the entities that published this metric this period; not an official level
watchCamden County, MO's typical asking rent of $1,659 scores 63 on the 0-to-100 scale across US counties but 94 across Missouri counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |63 across US counties - 94 across Missouri counties|
position among the entities that published this metric this period; not an official level
Read all 12 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.