Adair County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.33, -94.48.
Assembled 2026-10-19. Read the brief.
- 37th pct · 1,919th of 3,063 US counties · median $230,451
- 55th pct · 45th of 99 Iowa counties · median $192,339
- 92nd pct · 222nd of 3,062 US counties · median +2.9%
- 88th pct · 12th of 99 Iowa counties · median +4.2%
- US counties: not published this period
- Iowa counties: not published this period
- 26th pct · 2,370th of 3,221 US counties · median 8,232
- 20th pct · 79th of 99 Iowa counties · median 5,685
- 79th pct · 656th of 3,221 US counties · median $1,039
- 87th pct · 13th of 99 Iowa counties · median $1,057
- 23rd pct · 2,354th of 3,063 US counties · median 4.2
- 30th pct · 69th 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 $197,786 (Sep 2026), +8.4% over one year, +32.2% over five
- 37th pct · 1,919th of 3,063 US counties · median $230,451
- 55th pct · 45th of 99 Iowa counties · median $192,339
| Item | Value | Distance |
|---|---|---|
| Adair County, IA | $197,786 · +8.4% 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 $1,096 a month on $197,786 at 7.40%, against an average weekly wage worth $5,352 a month: 20.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $197,786 × 80% = $158,229, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,096/mo principal and interest
- wage share = payment / (avg weekly wage $1,235 × 52 / 12 = $5,352) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $197,786 / ($1,235 × 52) = 3.1
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 #
3,251 jobs at 328 employers (2026 Q1); +4.8% jobs and +20.0% average weekly wage over the year
- 26th pct · 2,370th of 3,221 US counties · median 8,232
- 20th pct · 79th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Adair County, IA | 3,251 jobs · $1,235/wk · +4.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 549 | $2,463 | 3.22 | +49.6% |
| Manufacturing | 465 | $1,204 | 1.78 | -0.4% |
| Retail trade | 417 | $617 | 1.32 | +1.0% |
| Health care and social assistance | 300 | $889 | 0.61 | +4.9% |
| Accommodation and food services | 196 | $282 | 0.67 | -7.5% |
| Wholesale trade | 180 | $1,188 | 1.45 | +4.7% |
| Other services | 77 | $1,014 | 0.79 | -11.5% |
| Transportation and warehousing | 65 | $1,213 | 0.47 | +4.8% |
| Professional and technical services | 55 | $1,251 | 0.25 | +17.0% |
| Utilities | 35 | $1,829 | 2.73 | +0.0% |
| Arts, entertainment and recreation | 25 | $143 | 0.47 | -16.7% |
| Information | 22 | $2,524 | 0.37 | -33.3% |
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 #
$307.0 m in deposits at 8 offices of 4 banks (SOD June 2026); HHI 3,742, highly concentrated. $53.9 m federal obligations in FY2026 (direct payments $50.2 m, grants $3.8 m), $16,587 per covered job
| Item | Value | Distance |
|---|---|---|
| FNB Bank | $143.6 m · 46.8% share · 2 offices | |
| Union State Bank | $115.8 m · 37.7% share · 3 offices | |
| Farmers and Merchants State Bank | $31.1 m · 10.1% share · 2 offices | |
| Adair, IA | $53.9 m FY2026 · $16,587/job | |
| MULTIPLE RECIPIENTS | $42.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| FNB Bank | $143,601,000 | 46.8% | 2 |
| Union State Bank | $115,782,000 | 37.7% | 3 |
| Farmers and Merchants State Bank | $31,127,000 | 10.1% | 2 |
| Rolling Hills Bank & Trust | $16,477,000 | 5.4% | 1 |
Deposit concentration is 3,742 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 46.8² + 37.7² + 10.1² + … (1 more) = 3,742
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 | $39,353,883 |
| Department of Agriculture | $6,979,198 |
| Department of Veterans Affairs | $3,366,759 |
| Department of Transportation | $3,271,058 |
| Federal Communications Commission | $536,195 |
| Railroad Retirement Board | $240,753 |
| Department of Housing and Urban Development | $215,253 |
| Small Business Administration | -$38,639 |
That is $16,587 per covered job, against 3,251 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $53.9 m / 3,251 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,587
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 #
Adair County, IA: 10 findings, 10 noted
noteAdair County, IA's average weekly wage was 20.0% 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
- +20 % = 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
noteAdair County, IA's covered employment was 4.8% 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
- +4.8 % = 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
noteAdair County, IA's typical home value rose 0.7% from $196,484 in August 2026 to $197,786 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.7% = (197786.2176913061 - 196483.77292558213) / 196483.77292558213 × 100
- 197786.2176913061 = Zillow ZHVI, 2026-09
- 196483.77292558213 = Zillow ZHVI, 2026-08
noteAdair County, IA's momentum index of 0.94 ranks 30th 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
noteAdair County, IA's momentum index of 0.94 ranks 2nd of 99 Iowa counties, against a median of 0.24.
Period 2026-09.Show the arithmetic
- 99 on the 0-to-100 scale across 99 Iowa 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 10 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.