Jackson County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.01, -94.34.
Assembled 2026-10-19. Read the brief.
- 56th pct · 1,345th of 3,063 US counties · median $230,451
- 74th pct · 30th of 113 Missouri counties · median $221,167
- 30th pct · 10th of 14 counties in the Kansas City metro · median $277,202
- 48th pct · 1,591st of 3,062 US counties · median +2.9%
- 24th pct · 86th of 113 Missouri counties · median +4.5%
- 23rd pct · 11th of 14 counties in the Kansas City metro · median +4.2%
- 44th pct · 749th of 1,358 US counties · median $1,506
- 73rd pct · 10th of 35 Missouri counties · median $1,229
- 28th pct · 6th of 8 counties in the Kansas City metro · median $1,574
- 97th pct · 76th of 3,221 US counties · median 8,232
- 99th pct · 2nd of 115 Missouri counties · median 4,996
- 92nd pct · 2nd of 14 counties in the Kansas City metro · median 15,305
- 92nd pct · 237th of 3,221 US counties · median $1,039
- 98th pct · 3rd of 115 Missouri counties · median $902
- 92nd pct · 2nd of 14 counties in the Kansas City metro · median $1,052
- 25th pct · 2,282nd of 3,063 US counties · median 4.2
- 15th pct · 96th of 113 Missouri counties · median 4.7
- 7th pct · 13th of 14 counties in the Kansas City metro · median 5.5
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 $247,543 (Sep 2026), +2.7% over one year, +25.7% over five
- 56th pct · 1,345th of 3,063 US counties · median $230,451
- 74th pct · 30th of 113 Missouri counties · median $221,167
- 30th pct · 10th of 14 counties in the Kansas City metro · median $277,202
| Item | Value | Distance |
|---|---|---|
| Jackson County, MO | $247,543 · +2.7% 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 $1,446/mo (Sep 2026), +4.2% over one year; price-to-rent 14.3
- 44th pct · 749th of 1,358 US counties · median $1,506
- 73rd pct · 10th of 35 Missouri counties · median $1,229
- 28th pct · 6th of 8 counties in the Kansas City metro · median $1,574
| Item | Value | Distance |
|---|---|---|
| Jackson County, MO | $1,446/mo · +4.2% 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 $1,371 a month on $247,543 at 7.40%, against an average weekly wage worth $6,491 a month: 21.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $247,543 × 80% = $198,034, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,371/mo principal and interest
- wage share = payment / (avg weekly wage $1,498 × 52 / 12 = $6,491) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $247,543 / ($1,498 × 52) = 3.2
- price-to-rent = $247,543 / ($1,446 × 12) = 14.3
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 #
370,538 jobs at 27,081 employers (2026 Q1); -0.4% jobs and +3.3% average weekly wage over the year
- 97th pct · 76th of 3,221 US counties · median 8,232
- 99th pct · 2nd of 115 Missouri counties · median 4,996
- 92nd pct · 2nd of 14 counties in the Kansas City metro · median 15,305
| Item | Value | Distance |
|---|---|---|
| Jackson County, MO | 370,538 jobs · $1,498/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 58,107 | $1,280 | 1.04 | +3.9% |
| Accommodation and food services | 35,128 | $575 | 1.06 | +0.4% |
| Professional and technical services | 33,988 | $2,125 | 1.33 | -2.2% |
| Retail trade | 33,471 | $789 | 0.93 | -3.6% |
| Manufacturing | 27,721 | $1,710 | 0.93 | -2.8% |
| Construction | 23,706 | $1,978 | 1.22 | +4.6% |
| Finance and insurance | 20,624 | $2,992 | 1.37 | -2.4% |
| Administrative and waste services | 14,069 | $890 | 0.67 | +0.2% |
| Other services | 12,020 | $1,048 | 1.09 | +0.4% |
| Wholesale trade | 11,523 | $1,804 | 0.81 | +1.5% |
| Transportation and warehousing | 7,713 | $1,188 | 0.49 | +0.3% |
| Educational services | 7,600 | $979 | 0.95 | +2.1% |
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 #
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 #
$54.3 bn in deposits at 170 offices of 43 banks (SOD June 2026); HHI 3,611, highly concentrated. $7.3 bn federal obligations in FY2026 (direct payments $3.8 bn, contracts $3.1 bn), $19,652 per covered job
| Item | Value | Distance |
|---|---|---|
| UMB Bank, National Association | $31.7 bn · 58.4% share · 13 offices | |
| Commerce Bank | $6.4 bn · 11.9% share · 16 offices | |
| Lead Bank | $2.5 bn · 4.5% share · 2 offices | |
| Jackson, MO | $7.3 bn FY2026 · $19,652/job | |
| MULTIPLE RECIPIENTS | $3.6 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| UMB Bank, National Association | $31,702,170,000 | 58.4% | 13 |
| Commerce Bank | $6,442,726,000 | 11.9% | 16 |
| Lead Bank | $2,464,789,000 | 4.5% | 2 |
| Bank of America, National Association | $1,937,054,000 | 3.6% | 10 |
| U.S. Bank National Association | $1,760,750,000 | 3.2% | 14 |
| The Central Trust Bank | $966,335,000 | 1.8% | 14 |
| North American Savings Bank, F.S.B. | $908,594,000 | 1.7% | 3 |
| First National Bank of Omaha | $891,323,000 | 1.6% | 6 |
| Busey Bank | $772,515,000 | 1.4% | 1 |
| Academy Bank, National Association | $729,412,000 | 1.3% | 6 |
Deposit concentration is 3,611 across 42 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 42 banks with deposits in the county = 58.4² + 11.9² + 4.5² + … (39 more) = 3,611
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 | $3,164,788,599 |
| Department of Energy | $2,287,648,462 |
| Department of Veterans Affairs | $444,913,803 |
| Department of Transportation | $307,181,867 |
| Department of Defense | $297,806,801 |
| Department of Housing and Urban Development | $185,308,554 |
| Department of Homeland Security | $162,100,641 |
| Department of Agriculture | $115,021,046 |
| Department of Health and Human Services | $92,093,589 |
| Department of Education | $74,674,296 |
| Railroad Retirement Board | $64,102,294 |
| General Services Administration | $35,040,917 |
That is $19,652 per covered job, against 370,538 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $7.3 bn / 370,538 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,652
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 #
Jackson County, MO: 16 findings, 1 at a watch level and 15 noted
watchJackson 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
noteJackson County, MO's average weekly wage was 3.3% 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
- +3.3 % = 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
noteJackson 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
noteJackson County, MO's typical home value rose 0.4% from $246,672 in August 2026 to $247,543 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (247542.88034729077 - 246671.64082870437) / 246671.64082870437 × 100
- 247542.88034729077 = Zillow ZHVI, 2026-09
- 246671.64082870437 = Zillow ZHVI, 2026-08
noteJackson County, MO's typical asking rent rose 0.3% from $1,442 in August 2026 to $1,446 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (1446.4063264778126 - 1442.279924480007) / 1442.279924480007 × 100
- 1446.4063264778126 = Zillow ZORI, 2026-09
- 1442.279924480007 = Zillow ZORI, 2026-08
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.