Talladega County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.37, -86.18.
Assembled 2026-10-06. Read the brief.
- 29th pct · 2,149th of 3,063 US counties · median $234,566
- 50th pct · 34th of 67 Alabama counties · median $183,308
- 16th pct · 2,560th of 3,063 US counties · median +2.9%
- 15th pct · 57th of 67 Alabama counties · median +2.2%
- 21st pct · 1,101st of 1,399 US counties · median $1,496
- 21st pct · 23rd of 29 Alabama counties · median $1,362
- 78th pct · 706th of 3,221 US counties · median 8,232
- 78th pct · 15th of 67 Alabama counties · median 10,118
- 71st pct · 920th of 3,221 US counties · median $1,039
- 79th pct · 14th of 67 Alabama counties · median $1,024
- 20th pct · 2,433rd of 3,063 US counties · median 4.3
- 36th pct · 43rd 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 $183,308 (Aug 2026), -0.7% over one year, +12.7% over five
- 29th pct · 2,149th of 3,063 US counties · median $234,566
- 50th pct · 34th of 67 Alabama counties · median $183,308
| Item | Value | Distance |
|---|---|---|
| Talladega County, AL | $183,308 · -0.7% 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 $1,189/mo (Aug 2026), -0.2% over one year; price-to-rent 12.9
- 21st pct · 1,101st of 1,399 US counties · median $1,496
- 21st pct · 23rd of 29 Alabama counties · median $1,362
| Item | Value | Distance |
|---|---|---|
| Talladega County, AL | $1,189/mo · -0.2% 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 $1,003 a month on $183,308 at 7.28%, against an average weekly wage worth $5,027 a month: 20.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $183,308 × 80% = $146,647, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,003/mo principal and interest
- wage share = payment / (avg weekly wage $1,160 × 52 / 12 = $5,027) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $183,308 / ($1,160 × 52) = 3.0
- price-to-rent = $183,308 / ($1,189 × 12) = 12.9
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 #
31,469 jobs at 1,685 employers (2026 Q1); -0.7% jobs and +6.3% average weekly wage over the year
- 78th pct · 706th of 3,221 US counties · median 8,232
- 78th pct · 15th of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Talladega County, AL | 31,469 jobs · $1,160/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 10,077 | $1,429 | 3.98 | -2.8% |
| Retail trade | 2,778 | $594 | 0.91 | +2.7% |
| Transportation and warehousing | 1,952 | $1,122 | 1.47 | +3.5% |
| Accommodation and food services | 1,935 | $419 | 0.68 | -6.4% |
| Administrative and waste services | 1,599 | $894 | 0.89 | -5.6% |
| Construction | 991 | $1,259 | 0.60 | -6.3% |
| Wholesale trade | 761 | $1,538 | 0.63 | +0.8% |
| Arts, entertainment and recreation | 591 | $899 | 1.14 | +19.6% |
| Finance and insurance | 537 | $1,437 | 0.42 | -2.7% |
| Professional and technical services | 459 | $1,308 | 0.21 | +4.6% |
| Other services | 428 | $1,010 | 0.46 | -7.4% |
| Real estate and rental | 197 | $843 | 0.41 | +0.5% |
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 #
D0 abnormally dry
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 #
$1.1 bn in deposits at 16 offices of 8 banks (SOD June 2026); HHI 3,549, highly concentrated. $642.0 m federal obligations in FY2026 (direct payments $547.3 m, contracts $76.0 m), $20,402 per covered job
| Item | Value | Distance |
|---|---|---|
| First Bank of Alabama | $646.7 m · 56.5% share · 5 offices | |
| Regions Bank | $150.1 m · 13.1% share · 3 offices | |
| The Huntington National Bank | $98.3 m · 8.6% share · 2 offices | |
| Talladega, AL | $642.0 m FY2026 · $20,402/job | |
| MULTIPLE RECIPIENTS | $533.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Bank of Alabama | $646,675,000 | 56.5% | 5 |
| Regions Bank | $150,116,000 | 13.1% | 3 |
| The Huntington National Bank | $98,301,000 | 8.6% | 2 |
| Renasant Bank | $72,568,000 | 6.3% | 2 |
| FirstBank | $65,940,000 | 5.8% | 1 |
| Metro Bank | $40,762,000 | 3.6% | 1 |
| PNC Bank, National Association | $37,195,000 | 3.3% | 1 |
| Wells Fargo Bank, National Association | $32,006,000 | 2.8% | 1 |
Deposit concentration is 3,549 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 = 56.5² + 13.1² + 8.6² + … (5 more) = 3,549
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 | $464,065,165 |
| Department of Defense | $69,298,857 |
| Department of Veterans Affairs | $67,271,937 |
| Department of Health and Human Services | $11,020,137 |
| Department of Housing and Urban Development | $10,546,318 |
| Department of Education | $8,872,831 |
| Department of Justice | $5,671,220 |
| Department of Agriculture | $3,504,293 |
| Railroad Retirement Board | $2,154,138 |
| Department of Homeland Security | $670,834 |
| Federal Communications Commission | $260,550 |
| Environmental Protection Agency | $59,561 |
That is $20,402 per covered job, against 31,469 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $642.0 m / 31,469 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,402
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 | 3.00 | 2026-10-06 | -50.0% |
| 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 | 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 #
Talladega County, AL: 9 findings, 3 at a watch level and 6 noted
watchTalladega County, AL's typical asking rent is -1.8% 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 = -1.7647554590287162 <= -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
watchTalladega County, AL's typical home value is -0.7% 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 = -0.706213770162871 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchTalladega County, AL's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTalladega County, AL's average weekly wage was 6.3% 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
- +6.3 % = 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
noteTalladega County, AL's typical asking rent fell 1.8% from $1,210 in July 2026 to $1,189 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.8% = (1188.5833333333333 - 1209.9357403621132) / 1209.9357403621132 × 100
- 1188.5833333333333 = Zillow ZORI, 2026-08
- 1209.9357403621132 = Zillow ZORI, 2026-07
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.