Atchison County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.53, -95.31.
Assembled 2026-10-19. Read the brief.
- 32nd pct · 2,072nd of 3,063 US counties · median $230,451
- 72nd pct · 30th of 105 Kansas counties · median $148,146
- 88th pct · 349th of 3,062 US counties · median +2.9%
- 77th pct · 24th of 105 Kansas counties · median +4.1%
- US counties: not published this period
- Kansas counties: not published this period
- 40th pct · 1,911th of 3,221 US counties · median 8,232
- 70th pct · 32nd of 105 Kansas counties · median 2,554
- 55th pct · 1,438th of 3,221 US counties · median $1,039
- 84th pct · 17th of 105 Kansas counties · median $943
- 30th pct · 2,142nd of 3,063 US counties · median 4.2
- 61st pct · 41st of 105 Kansas counties · median 3.0
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 $185,797 (Sep 2026), +7.2% over one year, +38.2% over five
- 32nd pct · 2,072nd of 3,063 US counties · median $230,451
- 72nd pct · 30th of 105 Kansas counties · median $148,146
| Item | Value | Distance |
|---|---|---|
| Atchison County, KS | $185,797 · +7.2% 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
- Kansas 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 $1,029 a month on $185,797 at 7.40%, against an average weekly wage worth $4,606 a month: 22.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $185,797 × 80% = $148,638, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,029/mo principal and interest
- wage share = payment / (avg weekly wage $1,063 × 52 / 12 = $4,606) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $185,797 / ($1,063 × 52) = 3.4
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 #
5,662 jobs at 423 employers (2026 Q1); +3.1% jobs and +2.9% average weekly wage over the year
- 40th pct · 1,911th of 3,221 US counties · median 8,232
- 70th pct · 32nd of 105 Kansas counties · median 2,554
| Item | Value | Distance |
|---|---|---|
| Atchison County, KS | 5,662 jobs · $1,063/wk · +3.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 698 | $1,918 | 1.53 | +4.0% |
| Accommodation and food services | 627 | $322 | 1.23 | +5.7% |
| Retail trade | 530 | $581 | 0.96 | +0.0% |
| Construction | 274 | $1,021 | 0.92 | +8.3% |
| Finance and insurance | 270 | $1,427 | 1.17 | +3.4% |
| Professional and technical services | 258 | $1,213 | 0.66 | +12.7% |
| Wholesale trade | 175 | $1,952 | 0.81 | -15.9% |
| Other services | 101 | $498 | 0.60 | +8.6% |
| Arts, entertainment and recreation | 60 | $418 | 0.64 | +9.1% |
| Information | 17 | $1,407 | 0.16 | +6.2% |
| Real estate and rental | 16 | $578 | 0.18 | -15.8% |
| Agriculture, forestry, fishing | 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 #
8 USGS reservoir gauges, no capacity figures to weight
Sites found: 8, 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 |
|---|---|---|
| PERRY LK NR PERRY, KS | 227,600 Acre-ft (USGS, no capacity on file) | 48 km |
| CLINTON LK NR LAWRENCE, KS | 128,400 Acre-ft (USGS, no capacity on file) | 67 km |
| POMONA LK NR QUENEMO, KS | 57,660 Acre-ft (USGS, no capacity on file) | 101 km |
| HILLSDALE LK NR HILLSDALE, KS | 77,810 Acre-ft (USGS, no capacity on file) | 103 km |
| Stanberry Lake near Gentry, MO | 1,329 Acre-ft (USGS, no capacity on file) | 113 km |
| TUTTLE C LK NR MANHATTAN, KS | 398,500 Acre-ft (USGS, no capacity on file) | 115 km |
| MELVERN LK NR MELVERN, KS | 165,000 Acre-ft (USGS, no capacity on file) | 119 km |
| MILFORD LAKE NR JUNCTION CITY, KS | 396,800 Acre-ft (USGS, no capacity on file) | 146 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 #
47 gauges · 0 flooding · 9 with quality panels averaging 90 % · 11 stale
Sites found: 47, 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 |
|---|---|---|
| STRANGER C NR POTTER, KS | flow 199.0 ft³/s · STALE | 16 km |
| MISSOURI R AT ATCHISON, KS | stage 9.90 ft · no flooding | 17 km |
| DELAWARE R NR MUSCOTAH, KS | flow 84.5 ft³/s · no flooding | 19 km |
| STRANGER C AT EASTON, KS | flow 39.4 ft³/s · no flooding | 27 km |
| DELAWARE R NR HORTON, KS | flow 44.0 ft³/s · STALE | 33 km |
| Missouri River at Leavenworth, KS | stage 5.34 ft · no flooding | 42 km |
| USGS-391905095442100 | stage 1,067 ft | 44 km |
| Missouri River at St. Joseph, MO | flow 42,500 ft³/s · quality 88 % (4) · no flooding | 46 km |
| Platte River near Platte City | no flooding | 49 km |
| DELAWARE R AT PERRY, KS | stage 32.3 ft | 51 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 #
16 wells in 1 named aquifer: Alluvial aquifers
Sites found: 16, 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 |
|---|---|---|
| USGS-393218095032601 | depth 6.75 ft · 2016-06-21 | 22 km |
| USGS-392954095013101 | depth 5.15 ft · 2016-06-21 | 25 km |
| Alluvial aquifers | depth 14.8 ft · 2026-10-18 | 37 km |
| USGS-395155095051901 | depth 12.4 ft · 1996-11-04 | 42 km |
| USGS-395200095051801 | depth 7.65 ft · 1996-09-30 | 42 km |
| Alluvial aquifers | depth 14.2 ft · 2026-10-18 | 42 km |
| USGS-395212095045701 | depth 13.5 ft · 2011-01-03 | 42 km |
| USGS-395347095073001 | depth 0.48 ft · 1996-11-04 | 44 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 #
low (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.10 / 0.55
Banks & federal dollars #
$579.8 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 3,998, highly concentrated. $102.8 m federal obligations in FY2026 (direct payments $96.4 m, grants $6.4 m), $18,163 per covered job
| Item | Value | Distance |
|---|---|---|
| Exchange Bank & Trust | $315.2 m · 54.4% share · 3 offices | |
| The Union State Bank of Everest | $135.4 m · 23.4% share · 1 office | |
| UMB Bank, National Association | $129.1 m · 22.3% share · 1 office | |
| Atchison, KS | $102.8 m FY2026 · $18,163/job | |
| MULTIPLE RECIPIENTS | $86.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Exchange Bank & Trust | $315,214,000 | 54.4% | 3 |
| The Union State Bank of Everest | $135,449,000 | 23.4% | 1 |
| UMB Bank, National Association | $129,123,000 | 22.3% | 1 |
Deposit concentration is 3,998 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 54.4² + 23.4² + 22.3² = 3,998
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 | $74,136,203 |
| Department of Veterans Affairs | $8,756,657 |
| Department of Agriculture | $5,322,890 |
| Department of Education | $3,467,341 |
| Railroad Retirement Board | $3,091,748 |
| Department of Justice | $2,214,723 |
| Department of Housing and Urban Development | $2,072,903 |
| Department of Transportation | $2,040,452 |
| Department of Health and Human Services | $949,755 |
| Federal Communications Commission | $609,950 |
| Department of the Interior | $173,523 |
| Department of Homeland Security | $0 |
That is $18,163 per covered job, against 5,662 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $102.8 m / 5,662 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,163
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 #
Atchison County, KS: 9 findings, 2 at a watch level and 7 noted
watchAtchison County, KS' typical home value of $185,797 scores 32 on the 0-to-100 scale across US counties but 72 across Kansas counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |32 across US counties - 72 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchAtchison County, KS' years of wages of 3.4 scores 30 on the 0-to-100 scale across US counties but 62 across Kansas counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |30 across US counties - 62 across Kansas counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteAtchison County, KS' covered employment was 3.1% 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
- +3.1 % = 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
noteAtchison County, KS' average weekly wage was 2.9% 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
- +2.9 % = 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
noteAtchison County, KS' typical home value rose 0.4% from $185,074 in August 2026 to $185,797 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (185797.30169625732 - 185073.71173302722) / 185073.71173302722 × 100
- 185797.30169625732 = Zillow ZHVI, 2026-09
- 185073.71173302722 = Zillow ZHVI, 2026-08
Read all 9 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.