Monroe County, MS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.89, -88.48.
Assembled 2026-10-06. Read the brief.
- 21st pct · 2,406th of 3,063 US counties · median $234,566
- 60th pct · 32nd of 80 Mississippi counties · median $151,974
- 31st pct · 2,106th of 3,063 US counties · median +2.9%
- 48th pct · 42nd of 80 Mississippi counties · median +1.3%
- US counties: not published this period
- Mississippi counties: not published this period
- 52nd pct · 1,540th of 3,221 US counties · median 8,232
- 61st pct · 32nd of 82 Mississippi counties · median 6,322
- 67th pct · 1,046th of 3,221 US counties · median $1,039
- 87th pct · 11th of 82 Mississippi counties · median $903
- 15th pct · 2,581st of 3,063 US counties · median 4.3
- 30th pct · 56th 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 $164,878 (Aug 2026), +1.2% over one year, +10.8% over five
- 21st pct · 2,406th of 3,063 US counties · median $234,566
- 60th pct · 32nd of 80 Mississippi counties · median $151,974
| Item | Value | Distance |
|---|---|---|
| Monroe County, MS | $164,878 · +1.2% 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 $902 a month on $164,878 at 7.28%, against an average weekly wage worth $4,892 a month: 18.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $164,878 × 80% = $131,902, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $902/mo principal and interest
- wage share = payment / (avg weekly wage $1,129 × 52 / 12 = $4,892) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $164,878 / ($1,129 × 52) = 2.8
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 #
8,861 jobs at 670 employers (2026 Q1); -2.4% jobs and +6.8% average weekly wage over the year
- 52nd pct · 1,540th of 3,221 US counties · median 8,232
- 61st pct · 32nd of 82 Mississippi counties · median 6,322
| Item | Value | Distance |
|---|---|---|
| Monroe County, MS | 8,861 jobs · $1,129/wk · -2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,103 | $1,515 | 2.95 | -9.8% |
| Retail trade | 1,024 | $619 | 1.19 | -5.9% |
| Construction | 725 | $2,437 | 1.56 | -4.4% |
| Accommodation and food services | 679 | $323 | 0.85 | +0.0% |
| Professional and technical services | 268 | $1,522 | 0.44 | +0.0% |
| Wholesale trade | 202 | $1,136 | 0.60 | -0.5% |
| Finance and insurance | 155 | $971 | 0.43 | +3.3% |
| Transportation and warehousing | 153 | $1,245 | 0.41 | +21.4% |
| Other services | 125 | $1,495 | 0.47 | -12.0% |
| Utilities | 62 | $1,321 | 1.77 | +0.0% |
| Information | 38 | $1,084 | 0.23 | -5.0% |
| Agriculture, forestry, fishing | 31 | $814 | 0.48 | -8.8% |
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 #
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 #
$779.3 m in deposits at 12 offices of 7 banks (SOD June 2026); HHI 3,130, highly concentrated. $250.1 m federal obligations in FY2026 (direct payments $233.7 m, grants $17.3 m), $28,229 per covered job
| Item | Value | Distance |
|---|---|---|
| Renasant Bank | $381.6 m · 49.0% share · 4 offices | |
| Community Bank of Mississippi | $169.4 m · 21.7% share · 2 offices | |
| The Huntington National Bank | $94.3 m · 12.1% share · 2 offices | |
| Monroe, MS | $250.1 m FY2026 · $28,229/job | |
| MULTIPLE RECIPIENTS | $228.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Renasant Bank | $381,564,000 | 49.0% | 4 |
| Community Bank of Mississippi | $169,432,000 | 21.7% | 2 |
| The Huntington National Bank | $94,254,000 | 12.1% | 2 |
| Amory First Savings And Loan Bank, Ssb | $68,092,000 | 8.7% | 1 |
| BankOkolona | $42,588,000 | 5.5% | 1 |
| Guaranty Bank and Trust Company | $21,224,000 | 2.7% | 1 |
| Woodforest National Bank | $2,112,000 | 0.3% | 1 |
Deposit concentration is 3,130 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 49.0² + 21.7² + 12.1² + … (4 more) = 3,130
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 | $199,437,885 |
| Department of Veterans Affairs | $24,624,853 |
| Department of Transportation | $14,085,522 |
| Department of Agriculture | $3,853,696 |
| Railroad Retirement Board | $3,810,208 |
| Department of Health and Human Services | $2,546,545 |
| Department of Housing and Urban Development | $1,977,285 |
| Department of Defense | $277,417 |
| Department of Education | $166,929 |
| Federal Communications Commission | $160,826 |
| General Services Administration | $50,641 |
| Small Business Administration | $0 |
That is $28,229 per covered job, against 8,861 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $250.1 m / 8,861 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,229
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 #
Monroe County, MS: 6 findings, 2 at a watch level and 4 noted
watchMonroe County, MS' covered employment is -2.4% 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 = -2.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMonroe County, MS' typical home value of $164,878 scores 21 on the 0-to-100 scale across US counties but 61 across Mississippi counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |21 across US counties - 61 across Mississippi counties|
position among the entities that published this metric this period; not an official level
noteMonroe County, MS' average weekly wage was 6.8% 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
- +6.8 % = 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
noteMonroe County, MS' covered employment was 2.4% 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
- -2.4 % = 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
noteMonroe County, MS' typical home value fell 0.8% from $166,250 in July 2026 to $164,878 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.8% = (164877.87519789152 - 166250.12649747997) / 166250.12649747997 × 100
- 164877.87519789152 = Zillow ZHVI, 2026-08
- 166250.12649747997 = Zillow ZHVI, 2026-07
Read all 6 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.