Choctaw County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.99, -88.25.
Assembled 2026-10-06. Read the brief.
- 7th pct · 2,824th of 3,063 US counties · median $234,566
- 6th pct · 63rd of 67 Alabama counties · median $183,308
- 3rd pct · 2,961st of 3,063 US counties · median +2.9%
- 1st pct · 66th of 67 Alabama counties · median +2.2%
- US counties: not published this period
- Alabama counties: not published this period
- 27th pct · 2,335th of 3,221 US counties · median 8,232
- 16th pct · 56th of 67 Alabama counties · median 10,118
- 76th pct · 761st of 3,221 US counties · median $1,039
- 86th pct · 10th of 67 Alabama counties · median $1,024
- 4th pct · 2,939th of 3,063 US counties · median 4.3
- 4th pct · 64th of 67 Alabama counties · median 3.3
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 $125,093 (Aug 2026), -6.1% over one year, n/a over five
- 7th pct · 2,824th of 3,063 US counties · median $234,566
- 6th pct · 63rd of 67 Alabama counties · median $183,308
| Item | Value | Distance |
|---|---|---|
| Choctaw County, AL | $125,093 · -6.1% 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
- Alabama 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 $685 a month on $125,093 at 7.28%, against an average weekly wage worth $5,213 a month: 13.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $125,093 × 80% = $100,074, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $685/mo principal and interest
- wage share = payment / (avg weekly wage $1,203 × 52 / 12 = $5,213) = 13% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $125,093 / ($1,203 × 52) = 2.0
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 #
3,385 jobs at 366 employers (2026 Q1); +2.0% jobs and +0.7% average weekly wage over the year
- 27th pct · 2,335th of 3,221 US counties · median 8,232
- 16th pct · 56th of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Choctaw County, AL | 3,385 jobs · $1,203/wk · +2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 299 | $458 | 0.91 | -4.2% |
| Construction | 287 | $1,262 | 1.62 | +0.0% |
| Accommodation and food services | 168 | $357 | 0.55 | +0.6% |
| Transportation and warehousing | 157 | $1,239 | 1.10 | +6.8% |
| Other services | 96 | $907 | 0.95 | +12.9% |
| Finance and insurance | 68 | $1,137 | 0.49 | -4.2% |
| Administrative and waste services | 68 | $1,137 | 0.35 | +19.3% |
| Professional and technical services | 60 | $1,344 | 0.26 | +5.3% |
| Real estate and rental | 10 | $708 | 0.19 | +0.0% |
| Arts, entertainment and recreation | 5 | $296 | 0.09 | +66.7% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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 #
D1 moderate drought
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
19 gauges · 0 flooding · 2 with quality panels averaging 100 % · 1 stale
Sites found: 19, 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 |
|---|---|---|
| TUCKABUM CREEK NEAR BUTLER AL | stage 8.61 ft · observation not current · STALE | 23 km |
| TOMBIGBEE RIVER NEAR NANAFALIA, AL. | flow 5,470 ft³/s · quality 100 % (2) | 25 km |
| TOMBIGBEE R AT COFFEEVILLE L&D NR COFFEEVILLE, AL. | flow 4,720 ft³/s · no flooding | 28 km |
| TOMBIGBEE R BL COFFEEVILLE L&D NEAR COFFEEVILLE | flow 3,150 ft³/s | 29 km |
| SATILPA CREEK NEAR COFFEEVILLE AL | flow 26.2 ft³/s | 35 km |
| TOMBIGBEE RIVER AT PENNINGTON AL | DO 6.60 mg/l · quality 100 % (2) | 36 km |
| Chickasawhay River at Shubuta | observation not current | 44 km |
| CHICKASAWHAY RIVER AT QUITMAN, MS | flow 607.0 ft³/s | 47 km |
| BASSETT CREEK AT US HIGHWAY 43 NR THOMASVILLE, AL. | flow 3.21 ft³/s | 49 km |
| CHICKASAWHAY RIVER NR WAYNESBORO, MS | flow 263.0 ft³/s · no flooding | 53 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-314115088392301 | depth 19.8 ft · 2026-10-05 | 51 km |
| USGS-323001088021601 | depth 4.97 ft · 2024-06-04 | 60 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$277.7 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 3,358, highly concentrated. $107.4 m federal obligations in FY2026 (direct payments $100.3 m, grants $7.1 m), $31,716 per covered job
| Item | Value | Distance |
|---|---|---|
| Regions Bank | $99.5 m · 35.8% share · 2 offices | |
| First US Bank | $96.7 m · 34.8% share · 2 offices | |
| West Alabama Bank & Trust | $81.5 m · 29.3% share · 1 office | |
| Choctaw, AL | $107.4 m FY2026 · $31,716/job | |
| MULTIPLE RECIPIENTS | $98.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Regions Bank | $99,502,000 | 35.8% | 2 |
| First US Bank | $96,738,000 | 34.8% | 2 |
| West Alabama Bank & Trust | $81,493,000 | 29.3% | 1 |
Deposit concentration is 3,358 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 = 35.8² + 34.8² + 29.3² = 3,358
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 | $86,956,181 |
| Department of Veterans Affairs | $11,206,609 |
| Department of Transportation | $7,084,187 |
| Department of Agriculture | $1,179,624 |
| Railroad Retirement Board | $494,495 |
| Delta Regional Authority | $436,500 |
That is $31,716 per covered job, against 3,385 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $107.4 m / 3,385 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,716
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Choctaw County, AL: 12 findings, 1 at an alert level, 1 at a watch level and 10 noted
alertChoctaw County, AL's typical home value is -6.1% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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 2026-08.Show the arithmetic
- test: home.yoyPct = -6.148430211992627 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchChoctaw County, AL's typical home value is -6.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.yoyPct = -6.148430211992627 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteChoctaw County, AL's covered employment was 2.0% 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
- +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
noteChoctaw County, AL's average weekly wage was 0.7% 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
- +0.7 % = 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
noteChoctaw County, AL's typical home value rose 0.3% from $124,658 in July 2026 to $125,093 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (125092.86334129085 - 124657.58060852751) / 124657.58060852751 × 100
- 125092.86334129085 = Zillow ZHVI, 2026-08
- 124657.58060852751 = Zillow ZHVI, 2026-07
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.