Escambia County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.12, -87.17.
Assembled 2026-10-06. Read the brief.
- 15th pct · 2,581st of 3,063 US counties · median $234,566
- 27th pct · 49th of 67 Alabama counties · median $183,308
- 64th pct · 1,094th of 3,063 US counties · median +2.9%
- 75th pct · 17th of 67 Alabama counties · median +2.2%
- US counties: not published this period
- Alabama counties: not published this period
- 61st pct · 1,246th of 3,221 US counties · median 8,232
- 57th pct · 29th of 67 Alabama counties · median 10,118
- 53rd pct · 1,497th of 3,221 US counties · median $1,039
- 62nd pct · 26th of 67 Alabama counties · median $1,024
- 14th pct · 2,618th of 3,063 US counties · median 4.3
- 27th pct · 49th 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 $149,565 (Aug 2026), +4.2% over one year, +12.6% over five
- 15th pct · 2,581st of 3,063 US counties · median $234,566
- 27th pct · 49th of 67 Alabama counties · median $183,308
| Item | Value | Distance |
|---|---|---|
| Escambia County, AL | $149,565 · +4.2% 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
- 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 $819 a month on $149,565 at 7.28%, against an average weekly wage worth $4,567 a month: 17.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $149,565 × 80% = $119,652, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $819/mo principal and interest
- wage share = payment / (avg weekly wage $1,054 × 52 / 12 = $4,567) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $149,565 / ($1,054 × 52) = 2.7
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 #
12,966 jobs at 986 employers (2026 Q1); +0.3% jobs and +4.3% average weekly wage over the year
- 61st pct · 1,246th of 3,221 US counties · median 8,232
- 57th pct · 29th of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Escambia County, AL | 12,966 jobs · $1,054/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,747 | $928 | 1.38 | -0.5% |
| Manufacturing | 1,434 | $1,445 | 1.37 | -9.9% |
| Accommodation and food services | 1,011 | $370 | 0.87 | -4.1% |
| Administrative and waste services | 604 | $783 | 0.82 | -3.8% |
| Construction | 408 | $1,109 | 0.60 | +1.0% |
| Finance and insurance | 389 | $1,351 | 0.74 | -1.5% |
| Wholesale trade | 259 | $1,186 | 0.52 | -4.8% |
| Transportation and warehousing | 236 | $1,202 | 0.43 | +0.0% |
| Other services | 206 | $697 | 0.53 | -3.3% |
| Agriculture, forestry, fishing | 193 | $1,226 | 2.06 | -3.5% |
| Mining, oil and gas | 136 | $1,795 | 2.95 | -18.1% |
| Utilities | 88 | $2,285 | 1.72 | -24.1% |
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 #
D2 severe 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 #
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$1.1 bn in deposits at 16 offices of 10 banks (SOD June 2026); HHI 1,909, highly concentrated. $271.3 m federal obligations in FY2026 (direct payments $240.1 m, contracts $27.9 m), $20,921 per covered job
| Item | Value | Distance |
|---|---|---|
| United Bank | $372.2 m · 33.6% share · 3 offices | |
| Trustmark Bank | $197.8 m · 17.8% share · 2 offices | |
| The First National Bank and Trust | $159.0 m · 14.3% share · 2 offices | |
| Escambia, AL | $271.3 m FY2026 · $20,921/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Bank | $372,182,000 | 33.6% | 3 |
| Trustmark Bank | $197,830,000 | 17.8% | 2 |
| The First National Bank and Trust | $159,030,000 | 14.3% | 2 |
| Truist Bank | $130,116,000 | 11.7% | 1 |
| Regions Bank | $86,758,000 | 7.8% | 2 |
| AmeriFirst Bank | $64,487,000 | 5.8% | 1 |
| Bank of Brewton | $40,310,000 | 3.6% | 2 |
| 22nd State Banking Company | $34,450,000 | 3.1% | 1 |
| First Progressive Bank | $22,712,000 | 2.0% | 1 |
| Woodforest National Bank | $1,296,000 | 0.1% | 1 |
Deposit concentration is 1,909 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 33.6² + 17.8² + 14.3² + … (7 more) = 1,909
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 #
That is $20,921 per covered job, against 12,966 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $271.3 m / 12,966 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,921
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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Escambia County, AL: 4 findings, 4 noted
noteEscambia County, AL's average weekly wage was 4.3% 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
- +4.3 % = 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
noteEscambia County, AL's typical home value rose 0.5% from $148,868 in July 2026 to $149,565 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (149565.4863427508 - 148867.77946922116) / 148867.77946922116 × 100
- 149565.4863427508 = Zillow ZHVI, 2026-08
- 148867.77946922116 = Zillow ZHVI, 2026-07
noteEscambia County, AL's covered employment was 0.3% 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
- +0.3 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Escambia County, AL is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.