Franklin Parish, LA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.14, -91.67.
Assembled 2026-10-06. Read the brief.
- 8th pct · 2,798th of 3,063 US counties · median $234,566
- 20th pct · 51st of 64 Louisiana counties · median $176,099
- 6th pct · 2,850th of 3,063 US counties · median +2.9%
- 14th pct · 55th of 64 Louisiana counties · median +2.1%
- US counties: not published this period
- Louisiana counties: not published this period
- 34th pct · 2,106th of 3,221 US counties · median 8,232
- 22nd pct · 50th of 64 Louisiana counties · median 10,187
- 4th pct · 3,071st of 3,221 US counties · median $1,039
- 3rd pct · 61st of 64 Louisiana counties · median $1,033
- 24th pct · 2,315th of 3,063 US counties · median 4.3
- 55th pct · 29th of 64 Louisiana counties · median 3.1
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 $128,611 (Aug 2026), -3.2% over one year, -5.4% over five
- 8th pct · 2,798th of 3,063 US counties · median $234,566
- 20th pct · 51st of 64 Louisiana counties · median $176,099
| Item | Value | Distance |
|---|---|---|
| Franklin Parish, LA | $128,611 · -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
- Louisiana 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 $704 a month on $128,611 at 7.28%, against an average weekly wage worth $3,363 a month: 20.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $128,611 × 80% = $102,889, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $704/mo principal and interest
- wage share = payment / (avg weekly wage $776 × 52 / 12 = $3,363) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $128,611 / ($776 × 52) = 3.2
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 #
4,584 jobs at 486 employers (2026 Q1); -2.6% jobs and +3.7% average weekly wage over the year
- 34th pct · 2,106th of 3,221 US counties · median 8,232
- 22nd pct · 50th of 64 Louisiana counties · median 10,187
| Item | Value | Distance |
|---|---|---|
| Franklin Parish, LA | 4,584 jobs · $776/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 831 | $611 | 1.86 | -3.4% |
| Accommodation and food services | 380 | $311 | 0.92 | -2.6% |
| Construction | 183 | $1,083 | 0.76 | +2.8% |
| Finance and insurance | 154 | $1,237 | 0.82 | -1.3% |
| Wholesale trade | 102 | $1,579 | 0.58 | -1.0% |
| Professional and technical services | 91 | $1,293 | 0.29 | -18.8% |
| Transportation and warehousing | 84 | $1,177 | 0.43 | +3.7% |
| Utilities | 60 | $2,222 | 3.31 | -4.8% |
| Agriculture, forestry, fishing | 55 | $779 | 1.66 | -16.7% |
| Real estate and rental | 19 | $679 | 0.27 | -17.4% |
| Arts, entertainment and recreation | 16 | $282 | 0.21 | +6.7% |
| 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 #
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 #
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 #
29 gauges · 0 flooding · 1 with quality panels averaging 80 % · 8 stale
Sites found: 29, 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-07370111 | stage 6.41 ft · STALE | 9 km |
| USGS-07369649 | stage 34.4 ft | 18 km |
| USGS-07369085 | stage 5.15 ft | 34 km |
| USGS-07368520 | stage 2.55 ft | 37 km |
| USGS-07368000 | flow 0.12 ft³/s | 40 km |
| USGS-07370000 | stage 5.55 ft | 40 km |
| USGS-07369050 | stage 35.7 ft | 42 km |
| USGS-07369515 | stage 3.79 ft | 42 km |
| USGS-07369500 | flow 1.64 ft³/s | 43 km |
| USGS-07369345 | stage 15.4 ft | 44 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 #
9 wells in 0 named aquifers:
Sites found: 9, 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-322853091475901 | depth 10.3 ft · 2025-03-17 | 40 km |
| USGS-322422092020701 | depth 112.8 ft · 2012-10-17 | 45 km |
| USGS-322843092084401 | depth 269.0 ft · 2016-01-10 | 58 km |
| USGS-313605091202201 | depth 83.5 ft · 1993-08-15 | 68 km |
| USGS-315718090591501 | depth 100.1 ft · 1963-09-15 | 68 km |
| USGS-313330091223702 | depth 225.0 ft · 1993-08-11 | 70 km |
| USGS-313256091214201 | depth 56.4 ft · 1993-07-17 | 73 km |
| USGS-324626091543901 | depth 124.5 ft · 2016-07-09 | 74 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 #
moderate (0.39)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.20 / 0.55
Banks & federal dollars #
$595.2 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 3,184, highly concentrated. $137.0 m federal obligations in FY2026 (direct payments $115.5 m, grants $19.0 m), $29,879 per covered job
| Item | Value | Distance |
|---|---|---|
| Winnsboro State Bank & Trust Company | $259.5 m · 43.6% share · 2 offices | |
| Franklin State Bank & Trust Company | $200.2 m · 33.6% share · 4 offices | |
| b1BANK | $52.2 m · 8.8% share · 1 office | |
| Franklin, LA | $137.0 m FY2026 · $29,879/job | |
| MULTIPLE RECIPIENTS | $103.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Winnsboro State Bank & Trust Company | $259,498,000 | 43.6% | 2 |
| Franklin State Bank & Trust Company | $200,221,000 | 33.6% | 4 |
| b1BANK | $52,245,000 | 8.8% | 1 |
| Citizens Progressive Bank | $41,726,000 | 7.0% | 1 |
| Sicily Island State Bank | $26,098,000 | 4.4% | 1 |
| Caldwell Bank & Trust Company | $15,449,000 | 2.6% | 1 |
Deposit concentration is 3,184 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 43.6² + 33.6² + 8.8² + … (3 more) = 3,184
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 | $93,261,015 |
| Department of Agriculture | $17,581,365 |
| Department of Transportation | $12,541,685 |
| Department of Veterans Affairs | $9,478,835 |
| Department of Health and Human Services | $1,513,796 |
| Department of Housing and Urban Development | $1,104,513 |
| Railroad Retirement Board | $775,812 |
| Federal Communications Commission | $437,804 |
| Delta Regional Authority | $269,270 |
That is $29,879 per covered job, against 4,584 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $137.0 m / 4,584 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,879
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 #
Franklin Parish, LA: 12 findings, 3 at a watch level and 9 noted
watchFranklin Parish, LA's typical home value is -3.2% 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 = -3.2387993010848772 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchFranklin Parish, LA's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFranklin Parish, LA's years of wages of 3.2 scores 24 on the 0-to-100 scale across US counties but 56 across Louisiana counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |24 across US counties - 56 across Louisiana counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteFranklin Parish, LA's average weekly wage was 3.7% 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
- +3.7 % = 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
noteFranklin Parish, LA's covered employment was 2.6% 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
- -2.6 % = 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.