Adams County, MS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.49, -91.35.
Assembled 2026-10-06. Read the brief.
- 5th pct · 2,902nd of 3,063 US counties · median $234,566
- 15th pct · 68th of 80 Mississippi counties · median $151,974
- 2nd pct · 2,995th of 3,063 US counties · median +2.9%
- 6th pct · 75th of 80 Mississippi counties · median +1.3%
- US counties: not published this period
- Mississippi counties: not published this period
- 54th pct · 1,451st of 3,221 US counties · median 8,232
- 64th pct · 30th of 82 Mississippi counties · median 6,322
- 12th pct · 2,814th of 3,221 US counties · median $1,039
- 38th pct · 51st of 82 Mississippi counties · median $903
- 11th pct · 2,711th of 3,063 US counties · median 4.3
- 26th pct · 59th of 80 Mississippi 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 $114,316 (Aug 2026), -8.2% over one year, -22.9% over five
- 5th pct · 2,902nd of 3,063 US counties · median $234,566
- 15th pct · 68th of 80 Mississippi counties · median $151,974
| Item | Value | Distance |
|---|---|---|
| Adams County, MS | $114,316 · -8.2% 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
- Mississippi 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 $626 a month on $114,316 at 7.28%, against an average weekly wage worth $3,714 a month: 16.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $114,316 × 80% = $91,453, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $626/mo principal and interest
- wage share = payment / (avg weekly wage $857 × 52 / 12 = $3,714) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $114,316 / ($857 × 52) = 2.6
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 #
9,869 jobs at 773 employers (2026 Q1); +1.3% jobs and +3.3% average weekly wage over the year
- 54th pct · 1,451st of 3,221 US counties · median 8,232
- 64th pct · 30th of 82 Mississippi counties · median 6,322
| Item | Value | Distance |
|---|---|---|
| Adams County, MS | 9,869 jobs · $857/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,635 | $663 | 1.70 | +0.6% |
| Accommodation and food services | 1,095 | $384 | 1.23 | -4.7% |
| Transportation and warehousing | 784 | $1,089 | 1.88 | +3.8% |
| Administrative and waste services | 443 | $949 | 0.79 | -2.4% |
| Manufacturing | 417 | $1,142 | 0.53 | +8.6% |
| Finance and insurance | 366 | $1,207 | 0.91 | +3.7% |
| Arts, entertainment and recreation | 259 | $555 | 1.59 | -1.1% |
| Wholesale trade | 237 | $1,054 | 0.63 | -16.3% |
| Construction | 227 | $1,108 | 0.44 | -14.0% |
| Other services | 227 | $630 | 0.77 | +12.4% |
| Professional and technical services | 179 | $825 | 0.26 | +0.0% |
| Real estate and rental | 121 | $908 | 0.80 | +0.8% |
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 #
$734.4 m in deposits at 15 offices of 6 banks (SOD June 2026); HHI 2,234, highly concentrated. $202.1 m federal obligations in FY2026 (direct payments $190.7 m, grants $7.4 m), $20,476 per covered job
| Item | Value | Distance |
|---|---|---|
| Home Bank, National Association | $195.1 m · 26.6% share · 3 offices | |
| United Mississippi Bank | $188.6 m · 25.7% share · 4 offices | |
| Regions Bank | $159.2 m · 21.7% share · 3 offices | |
| Adams, MS | $202.1 m FY2026 · $20,476/job | |
| MULTIPLE RECIPIENTS | $185.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Home Bank, National Association | $195,101,000 | 26.6% | 3 |
| United Mississippi Bank | $188,567,000 | 25.7% | 4 |
| Regions Bank | $159,185,000 | 21.7% | 3 |
| Concordia Bank & Trust Company | $139,706,000 | 19.0% | 3 |
| Delta Bank | $44,563,000 | 6.1% | 1 |
| Bank of Franklin | $7,310,000 | 1.0% | 1 |
Deposit concentration is 2,234 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 = 26.6² + 25.7² + 21.7² + … (3 more) = 2,234
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 | $163,389,117 |
| Department of Veterans Affairs | $23,100,001 |
| Department of Transportation | $6,144,834 |
| Department of Housing and Urban Development | $3,566,414 |
| Department of Agriculture | $3,464,894 |
| Department of the Interior | $1,534,152 |
| Railroad Retirement Board | $427,345 |
| Delta Regional Authority | $105,172 |
| Federal Communications Commission | $99,864 |
| Department of Health and Human Services | $96,737 |
| Department of Homeland Security | $90,978 |
| Department of Defense | $25,000 |
That is $20,476 per covered job, against 9,869 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $202.1 m / 9,869 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,476
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 #
Adams County, MS: 9 findings, 1 at an alert level, 1 at a watch level and 7 noted
alertAdams County, MS' typical home value is -8.2% 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 = -8.219258264371296 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchAdams County, MS' typical home value is -8.2% 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 = -8.219258264371296 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteAdams County, MS' average weekly wage was 3.3% 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
- +3.3 % = 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
noteAdams County, MS' covered employment was 1.3% 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
- +1.3 % = 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
noteAdams County, MS' typical home value fell 0.4% from $114,732 in July 2026 to $114,316 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.4% = (114315.74771819379 - 114732.28147725428) / 114732.28147725428 × 100
- 114315.74771819379 = Zillow ZHVI, 2026-08
- 114732.28147725428 = Zillow ZHVI, 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.