Jackson County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.76, -85.98.
Assembled 2026-10-06. Read the brief.
- 35th pct · 1,984th of 3,063 US counties · median $234,566
- 56th pct · 30th of 67 Alabama counties · median $183,308
- 21st pct · 2,393rd of 3,063 US counties · median +2.9%
- 21st pct · 53rd of 67 Alabama counties · median +2.2%
- 29th pct · 986th of 1,399 US counties · median $1,496
- 32nd pct · 20th of 29 Alabama counties · median $1,362
- 65th pct · 1,123rd of 3,221 US counties · median 8,232
- 62nd pct · 26th of 67 Alabama counties · median 10,118
- 44th pct · 1,784th of 3,221 US counties · median $1,039
- 46th pct · 36th of 67 Alabama counties · median $1,024
- 36th pct · 1,944th of 3,063 US counties · median 4.3
- 59th pct · 28th 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 $195,189 (Aug 2026), +0.1% over one year, +21.3% over five
- 35th pct · 1,984th of 3,063 US counties · median $234,566
- 56th pct · 30th of 67 Alabama counties · median $183,308
| Item | Value | Distance |
|---|---|---|
| Jackson County, AL | $195,189 · +0.1% 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 #
Typical rent $1,286/mo (Aug 2026), n/a over one year; price-to-rent 12.7
- 29th pct · 986th of 1,399 US counties · median $1,496
- 32nd pct · 20th of 29 Alabama counties · median $1,362
| Item | Value | Distance |
|---|---|---|
| Jackson County, AL | $1,286/mo · n/a 1-yr |
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 $1,068 a month on $195,189 at 7.28%, against an average weekly wage worth $4,403 a month: 24.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $195,189 × 80% = $156,151, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,068/mo principal and interest
- wage share = payment / (avg weekly wage $1,016 × 52 / 12 = $4,403) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $195,189 / ($1,016 × 52) = 3.7
- price-to-rent = $195,189 / ($1,286 × 12) = 12.7
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 #
15,334 jobs at 1,277 employers (2026 Q1); +1.9% jobs and +4.3% average weekly wage over the year
- 65th pct · 1,123rd of 3,221 US counties · median 8,232
- 62nd pct · 26th of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Jackson County, AL | 15,334 jobs · $1,016/wk · +1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,224 | $1,244 | 3.42 | -0.4% |
| Retail trade | 2,612 | $598 | 1.75 | +1.2% |
| Health care and social assistance | 1,103 | $961 | 0.48 | +0.0% |
| Accommodation and food services | 1,011 | $374 | 0.73 | +3.1% |
| Construction | 734 | $1,027 | 0.91 | -3.0% |
| Wholesale trade | 445 | $1,099 | 0.76 | -3.5% |
| Finance and insurance | 341 | $1,291 | 0.55 | +3.0% |
| Professional and technical services | 336 | $1,789 | 0.32 | +36.0% |
| Information | 250 | $4,037 | 0.88 | +8.2% |
| Other services | 213 | $671 | 0.46 | +15.8% |
| Administrative and waste services | 194 | $822 | 0.22 | +1.0% |
| Real estate and rental | 103 | $1,022 | 0.44 | +5.1% |
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 #
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$1.2 bn in deposits at 19 offices of 8 banks (SOD June 2026); HHI 2,118, highly concentrated. $368.1 m federal obligations in FY2026 (direct payments $361.7 m, grants $5.7 m), $24,004 per covered job
| Item | Value | Distance |
|---|---|---|
| First Southern State Bank | $333.9 m · 28.1% share · 4 offices | |
| The Huntington National Bank | $287.8 m · 24.2% share · 5 offices | |
| First Jackson Bank, Inc. | $285.2 m · 24.0% share · 5 offices | |
| Jackson, AL | $368.1 m FY2026 · $24,004/job | |
| MULTIPLE RECIPIENTS | $353.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Southern State Bank | $333,935,000 | 28.1% | 4 |
| The Huntington National Bank | $287,752,000 | 24.2% | 5 |
| First Jackson Bank, Inc. | $285,237,000 | 24.0% | 5 |
| Regions Bank | $129,196,000 | 10.9% | 1 |
| Peoples Independent Bank | $68,158,000 | 5.7% | 1 |
| Citizens Bank & Trust | $33,139,000 | 2.8% | 1 |
| PNC Bank, National Association | $33,034,000 | 2.8% | 1 |
| CB&S Bank, Inc. | $18,795,000 | 1.6% | 1 |
Deposit concentration is 2,118 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 28.1² + 24.2² + 24.0² + … (5 more) = 2,118
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 | $309,159,996 |
| Department of Veterans Affairs | $42,149,306 |
| Department of Agriculture | $5,285,534 |
| Department of Housing and Urban Development | $3,955,672 |
| Department of Health and Human Services | $3,081,328 |
| Railroad Retirement Board | $1,908,198 |
| Department of Transportation | $1,649,397 |
| Department of Defense | $661,394 |
| Department of Education | $153,975 |
| Federal Communications Commission | $128,146 |
| Small Business Administration | $0 |
| Department of the Interior | -$61,605 |
That is $24,004 per covered job, against 15,334 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $368.1 m / 15,334 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,004
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 #
Jackson County, AL: 7 findings, 1 at a watch level and 6 noted
watchJackson County, AL's typical asking rent is -1.6% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.5962466113462859 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteJackson 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
noteJackson County, AL's covered employment was 1.9% 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
- +1.9 % = 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
noteJackson County, AL's typical asking rent fell 1.6% from $1,306 in July 2026 to $1,286 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.6% = (1285.5555555555557 - 1306.4090660019322) / 1306.4090660019322 × 100
- 1285.5555555555557 = Zillow ZORI, 2026-08
- 1306.4090660019322 = Zillow ZORI, 2026-07
noteJackson County, AL's price-to-rent ratio of 12.7 ranks 1,273rd of 1,399 US counties, against a median of 17.2.
Period 2026-08.Show the arithmetic
- 9 on the 0-to-100 scale across 1399 US counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
Read all 7 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.