Shelby County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.80, -92.09.
Assembled 2026-10-19. Read the brief.
- 36th pct · 1,931st of 3,063 US counties · median $230,451
- 35th pct · 73rd of 113 Missouri counties · median $221,167
- 94th pct · 168th of 3,062 US counties · median +2.9%
- 90th pct · 12th of 113 Missouri counties · median +4.5%
- US counties: not published this period
- Missouri counties: not published this period
- 15th pct · 2,732nd of 3,221 US counties · median 8,232
- 17th pct · 95th of 115 Missouri counties · median 4,996
- 17th pct · 2,644th of 3,221 US counties · median $1,039
- 46th pct · 62nd of 115 Missouri counties · median $902
- 50th pct · 1,522nd of 3,063 US counties · median 4.2
- 35th pct · 73rd 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 $196,909 (Sep 2026), +9.0% over one year, +53.7% over five
- 36th pct · 1,931st of 3,063 US counties · median $230,451
- 35th pct · 73rd of 113 Missouri counties · median $221,167
| Item | Value | Distance |
|---|---|---|
| Shelby County, MO | $196,909 · +9.0% 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 $1,091 a month on $196,909 at 7.40%, against an average weekly wage worth $3,870 a month: 28.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $196,909 × 80% = $157,527, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,091/mo principal and interest
- wage share = payment / (avg weekly wage $893 × 52 / 12 = $3,870) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $196,909 / ($893 × 52) = 4.2
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 #
1,896 jobs at 219 employers (2026 Q1); +5.2% jobs and +4.2% average weekly wage over the year
- 15th pct · 2,732nd of 3,221 US counties · median 8,232
- 17th pct · 95th of 115 Missouri counties · median 4,996
| Item | Value | Distance |
|---|---|---|
| Shelby County, MO | 1,896 jobs · $893/wk · +5.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 207 | $703 | 0.73 | +4.5% |
| Other services | 180 | $672 | 3.18 | +14.6% |
| Retail trade | 169 | $571 | 0.91 | -0.6% |
| Manufacturing | 159 | $1,235 | 1.04 | -4.2% |
| Construction | 110 | $1,195 | 1.11 | +14.6% |
| Wholesale trade | 55 | $1,099 | 0.76 | -8.3% |
| Professional and technical services | 50 | $1,041 | 0.38 | +6.4% |
| Transportation and warehousing | 41 | $828 | 0.51 | -19.6% |
| Information | 4 | $957 | 0.11 | -20.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Finance and insurance | withheld |
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 #
$263.1 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,022, highly concentrated. $40.9 m federal obligations in FY2026 (direct payments $38.3 m, grants $2.5 m), $21,558 per covered job
| Item | Value | Distance |
|---|---|---|
| Community State Bank | $109.2 m · 41.5% share · 2 offices | |
| Neighbors Bank | $82.1 m · 31.2% share · 1 office | |
| Exchange Bank Co. | $41.8 m · 15.9% share · 1 office | |
| Shelby, MO | $40.9 m FY2026 · $21,558/job | |
| MULTIPLE RECIPIENTS | $36.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community State Bank | $109,223,000 | 41.5% | 2 |
| Neighbors Bank | $82,125,000 | 31.2% | 1 |
| Exchange Bank Co. | $41,849,000 | 15.9% | 1 |
| United State Bank | $19,494,000 | 7.4% | 1 |
| TPNB Bank | $10,395,000 | 4.0% | 1 |
Deposit concentration is 3,022 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 = 41.5² + 31.2² + 15.9² + … (2 more) = 3,022
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 | $31,898,391 |
| Department of Veterans Affairs | $4,495,653 |
| Department of Transportation | $2,517,007 |
| Department of Agriculture | $1,727,772 |
| Railroad Retirement Board | $216,377 |
| Department of Education | $24,186 |
| Federal Communications Commission | $3,728 |
| Environmental Protection Agency | -$9,926 |
That is $21,558 per covered job, against 1,896 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $40.9 m / 1,896 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,558
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 #
Shelby County, MO: 11 findings, 11 noted
noteShelby County, MO's covered employment was 5.2% 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
- +5.2 % = 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
noteShelby County, MO's average weekly wage was 4.2% 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
- +4.2 % = 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
noteShelby County, MO's typical home value rose 1.2% from $194,537 in August 2026 to $196,909 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +1.2% = (196908.53384601083 - 194536.542336619) / 194536.542336619 × 100
- 196908.53384601083 = Zillow ZHVI, 2026-09
- 194536.542336619 = Zillow ZHVI, 2026-08
noteShelby County, MO's momentum index of 0.88 ranks 40th of 3,221 US counties, against a median of 0.23.
Period 2026-09.Show the arithmetic
- 99 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteShelby County, MO's momentum index of 0.88 ranks 3rd of 115 Missouri counties, against a median of 0.41.
Period 2026-09.Show the arithmetic
- 98 on the 0-to-100 scale across 115 Missouri counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
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.