Carroll County, MS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.44, -89.92.
Assembled 2026-10-06. Read the brief.
- 29th pct · 2,172nd of 3,063 US counties · median $234,566
- 72nd pct · 23rd of 80 Mississippi counties · median $151,974
- 2nd pct · 2,997th of 3,063 US counties · median +2.9%
- 5th pct · 76th of 80 Mississippi counties · median +1.3%
- US counties: not published this period
- Mississippi counties: not published this period
- 6th pct · 3,013th of 3,221 US counties · median 8,232
- 4th pct · 78th of 82 Mississippi counties · median 6,322
- 6th pct · 3,016th of 3,221 US counties · median $1,039
- 12th pct · 72nd of 82 Mississippi counties · median $903
- 52nd pct · 1,462nd of 3,063 US counties · median 4.3
- 84th pct · 13th 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 $181,982 (Aug 2026), -8.4% over one year, -16.5% over five
- 29th pct · 2,172nd of 3,063 US counties · median $234,566
- 72nd pct · 23rd of 80 Mississippi counties · median $151,974
| Item | Value | Distance |
|---|---|---|
| Carroll County, MS | $181,982 · -8.4% 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 $996 a month on $181,982 at 7.28%, against an average weekly wage worth $3,458 a month: 28.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $181,982 × 80% = $145,585, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $996/mo principal and interest
- wage share = payment / (avg weekly wage $798 × 52 / 12 = $3,458) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $181,982 / ($798 × 52) = 4.4
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 #
983 jobs at 130 employers (2026 Q1); -5.7% jobs and +3.2% average weekly wage over the year
- 6th pct · 3,013th of 3,221 US counties · median 8,232
- 4th pct · 78th of 82 Mississippi counties · median 6,322
| Item | Value | Distance |
|---|---|---|
| Carroll County, MS | 983 jobs · $798/wk · -5.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 149 | $1,168 | 2.89 | -6.9% |
| Manufacturing | 121 | $960 | 1.53 | +0.0% |
| Retail trade | 69 | $465 | 0.72 | +0.0% |
| Accommodation and food services | 37 | $177 | 0.42 | +0.0% |
| Wholesale trade | 13 | $896 | 0.35 | -23.5% |
| Other services | 10 | $736 | 0.34 | +0.0% |
| Administrative and waste services | 9 | $540 | 0.16 | -69.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | 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 #
27 gauges · 0 flooding · 5 with quality panels averaging 89 % · 16 stale
Sites found: 27, 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-07288521 | flow 11.6 ft³/s · quality 80 % (5) | 71 km |
| USGS-07288500 | flow 70.0 ft³/s · quality 63 % (4) | 59 km |
| USGS-07287150 | flow 26.0 ft³/s · STALE | 24 km |
| USGS-07289350 | flow 16.8 ft³/s | 31 km |
| USGS-07287160 | flow 51.8 ft³/s · STALE | 32 km |
| USGS-07281600 | flow 2,750 ft³/s | 36 km |
| USGS-07285400 | flow 30.4 ft³/s | 39 km |
| USGS-07287400 | flow 23.0 ft³/s · STALE | 39 km |
| USGS-07285500 | flow 1,530 ft³/s | 40 km |
| USGS-07285510 | flow 181.0 ft³/s · STALE | 40 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-332916089432002 | depth 106.2 ft · 1972-06-25 | 19 km |
| USGS-333315090151801 | depth 21.3 ft · 1994-08-06 | 34 km |
| USGS-334215089442701 | depth 12.4 ft · 2026-10-05 | 34 km |
| USGS-335016089471801 | depth 13.3 ft · 1968-12-31 | 46 km |
| USGS-333437090262601 | depth 32.8 ft · 1982-02-07 | 50 km |
| USGS-333021089202901 | depth 134.0 ft · 1993-08-22 | 54 km |
| USGS-331543089171801 | depth 21.0 ft · 1986-01-14 | 62 km |
| USGS-331849089105101 | depth 14.6 ft · 1993-08-22 | 70 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 (0.36)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.11 / 0.55
Banks & federal dollars #
$90.5 m in deposits at 2 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $84.3 m federal obligations in FY2026 (direct payments $77.1 m, grants $7.2 m), $85,771 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Commerce | $90.5 m · 100.0% share · 2 offices | |
| Carroll, MS | $84.3 m FY2026 · $85,771/job | |
| MULTIPLE RECIPIENTS | $68.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Commerce | $90,464,000 | 100.0% | 2 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $61,214,109 |
| Department of Agriculture | $7,501,302 |
| Department of Transportation | $7,381,716 |
| Department of Veterans Affairs | $6,293,334 |
| Railroad Retirement Board | $818,948 |
| Federal Communications Commission | $508,434 |
| Department of Housing and Urban Development | $421,502 |
| Delta Regional Authority | $156,810 |
| Small Business Administration | $16,744 |
That is $85,771 per covered job, against 983 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $84.3 m / 983 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $85,771
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 #
Carroll County, MS: 20 findings, 2 at an alert level, 5 at a watch level and 13 noted
alertCarroll County, MS' typical home value is -8.4% 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 = -8.379317123496358 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
alertCarroll County, MS' covered employment is -5.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -5.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchCarroll County, MS' typical home value is -8.4% 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 = -8.379317123496358 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCarroll County, MS' covered employment is -5.7% 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 = -5.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCarroll County, MS' momentum index is -0.49, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.49181903573124397 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
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.