Osage County, KS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.65, -95.71.
Assembled 2026-10-19. Read the brief.
- 41st pct · 1,788th of 3,063 US counties · median $230,451
- 82nd pct · 19th of 105 Kansas counties · median $148,146
- 25th pct · 4th of 5 counties in the Topeka metro · median $252,635
- 54th pct · 1,404th of 3,062 US counties · median +2.9%
- 40th pct · 63rd of 105 Kansas counties · median +4.1%
- 50th pct · 3rd of 5 counties in the Topeka metro · median +3.2%
- US counties: not published this period
- Kansas counties: not published this period
- counties in the Topeka metro: not published this period
- 23rd pct · 2,470th of 3,221 US counties · median 8,232
- 53rd pct · 49th of 105 Kansas counties · median 2,554
- 25th pct · 4th of 5 counties in the Topeka metro · median 3,757
- 2nd pct · 3,129th of 3,221 US counties · median $1,039
- 0th pct · 105th of 105 Kansas counties · median $943
- 0th pct · 5th of 5 counties in the Topeka metro · median $918
- 74th pct · 772nd of 3,063 US counties · median 4.2
- 95th pct · 6th of 105 Kansas counties · median 3.0
- 75th pct · 2nd of 5 counties in the Topeka metro · median 5.3
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 $209,072 (Sep 2026), +3.2% over one year, +32.8% over five
- 41st pct · 1,788th of 3,063 US counties · median $230,451
- 82nd pct · 19th of 105 Kansas counties · median $148,146
- 25th pct · 4th of 5 counties in the Topeka metro · median $252,635
| Item | Value | Distance |
|---|---|---|
| Osage County, KS | $209,072 · +3.2% 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
- counties in the Topeka metro: 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 $1,158 a month on $209,072 at 7.40%, against an average weekly wage worth $3,116 a month: 37.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $209,072 × 80% = $167,258, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,158/mo principal and interest
- wage share = payment / (avg weekly wage $719 × 52 / 12 = $3,116) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $209,072 / ($719 × 52) = 5.6
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 #
2,874 jobs at 370 employers (2026 Q1); -1.1% jobs and -1.5% average weekly wage over the year
- 23rd pct · 2,470th of 3,221 US counties · median 8,232
- 53rd pct · 49th of 105 Kansas counties · median 2,554
- 25th pct · 4th of 5 counties in the Topeka metro · median 3,757
| Item | Value | Distance |
|---|---|---|
| Osage County, KS | 2,874 jobs · $719/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 342 | $423 | 1.22 | -2.0% |
| Health care and social assistance | 267 | $644 | 0.62 | +3.5% |
| Professional and technical services | 156 | $743 | 0.79 | +2.6% |
| Construction | 139 | $966 | 0.92 | -9.2% |
| Finance and insurance | 117 | $982 | 1.00 | -1.7% |
| Other services | 114 | $891 | 1.33 | +6.5% |
| Wholesale trade | 76 | $1,473 | 0.69 | -9.5% |
| Administrative and waste services | 76 | $572 | 0.47 | +137.5% |
| Manufacturing | 37 | $923 | 0.16 | -68.6% |
| Transportation and warehousing | 33 | $1,008 | 0.27 | -2.9% |
| Information | 9 | $2,392 | 0.17 | +12.5% |
| Real estate and rental | 8 | $1,107 | 0.18 | +0.0% |
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 #
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 #
$389.3 m in deposits at 11 offices of 7 banks (SOD June 2026); HHI 1,807, highly concentrated. $120.1 m federal obligations in FY2026 (direct payments $117.1 m, grants $2.5 m), $41,805 per covered job
| Item | Value | Distance |
|---|---|---|
| The Bennington State Bank | $86.7 m · 22.3% share · 2 offices | |
| The Kansas State Bank Overbrook Kansas | $83.9 m · 21.5% share · 2 offices | |
| The Lyndon State Bank | $80.9 m · 20.8% share · 2 offices | |
| Osage, KS | $120.1 m FY2026 · $41,805/job | |
| MULTIPLE RECIPIENTS | $109.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Bennington State Bank | $86,654,000 | 22.3% | 2 |
| The Kansas State Bank Overbrook Kansas | $83,865,000 | 21.5% | 2 |
| The Lyndon State Bank | $80,862,000 | 20.8% | 2 |
| The First Security Bank | $58,668,000 | 15.1% | 2 |
| Landmark National Bank | $47,328,000 | 12.2% | 1 |
| The Citizens State Bank | $23,361,000 | 6.0% | 1 |
| First National Bank of Kansas | $8,550,000 | 2.2% | 1 |
Deposit concentration is 1,807 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 22.3² + 21.5² + 20.8² + … (4 more) = 1,807
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 | $90,942,571 |
| Department of Veterans Affairs | $14,124,573 |
| Department of Agriculture | $6,897,769 |
| Railroad Retirement Board | $4,507,073 |
| Department of Transportation | $2,442,133 |
| Department of Defense | $513,785 |
| Federal Communications Commission | $325,369 |
| Department of Housing and Urban Development | $319,214 |
| Department of Education | $76,025 |
That is $41,805 per covered job, against 2,874 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $120.1 m / 2,874 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,805
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 #
Osage County, KS: 12 findings, 4 at a watch level and 8 noted
watchOsage County, KS' average weekly wage is -1.5% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -1.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchOsage County, KS' covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOsage County, KS' typical home value of $209,072 scores 42 on the 0-to-100 scale across US counties but 83 across Kansas counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |42 across US counties - 83 across Kansas counties|
position among the entities that published this metric this period; not an official level
watchOsage County, KS' covered employment of 2,874 scores 23 on the 0-to-100 scale across US counties but 54 across Kansas counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |23 across US counties - 54 across Kansas counties|
position among the entities that published this metric this period; not an official level
noteOsage County, KS' average weekly wage was 1.5% 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
- -1.5 % = 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
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.