Panola County, MS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.37, -89.96.
Assembled 2026-10-06. Read the brief.
- 31st pct · 2,111th of 3,063 US counties · median $234,566
- 74th pct · 21st of 80 Mississippi counties · median $151,974
- 37th pct · 1,917th of 3,063 US counties · median +2.9%
- 55th pct · 36th of 80 Mississippi counties · median +1.3%
- US counties: not published this period
- Mississippi counties: not published this period
- 56th pct · 1,388th of 3,221 US counties · median 8,232
- 66th pct · 28th of 82 Mississippi counties · median 6,322
- 22nd pct · 2,491st of 3,221 US counties · median $1,039
- 56th pct · 36th of 82 Mississippi counties · median $903
- 41st pct · 1,778th of 3,063 US counties · median 4.3
- 75th pct · 20th 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 $186,288 (Aug 2026), +1.8% over one year, +11.2% over five
- 31st pct · 2,111th of 3,063 US counties · median $234,566
- 74th pct · 21st of 80 Mississippi counties · median $151,974
| Item | Value | Distance |
|---|---|---|
| Panola County, MS | $186,288 · +1.8% 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 $1,020 a month on $186,288 at 7.28%, against an average weekly wage worth $3,978 a month: 25.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $186,288 × 80% = $149,030, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,020/mo principal and interest
- wage share = payment / (avg weekly wage $918 × 52 / 12 = $3,978) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $186,288 / ($918 × 52) = 3.9
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 #
10,994 jobs at 684 employers (2026 Q1); +4.7% jobs and +3.4% average weekly wage over the year
- 56th pct · 1,388th of 3,221 US counties · median 8,232
- 66th pct · 28th of 82 Mississippi counties · median 6,322
| Item | Value | Distance |
|---|---|---|
| Panola County, MS | 10,994 jobs · $918/wk · +4.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,757 | $604 | 1.64 | +9.3% |
| Manufacturing | 1,620 | $1,159 | 1.83 | +4.2% |
| Accommodation and food services | 955 | $363 | 0.97 | -2.4% |
| Wholesale trade | 711 | $1,425 | 1.69 | +51.9% |
| Construction | 419 | $991 | 0.73 | +0.0% |
| Finance and insurance | 304 | $1,085 | 0.68 | -2.3% |
| Administrative and waste services | 284 | $586 | 0.45 | -1.7% |
| Real estate and rental | 150 | $767 | 0.89 | +33.9% |
| Other services | 121 | $872 | 0.37 | -19.3% |
| Arts, entertainment and recreation | 53 | $347 | 0.29 | +8.2% |
| Information | 26 | $1,566 | 0.13 | -3.7% |
| Agriculture, forestry, fishing | 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 #
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 #
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 #
42 gauges · 0 flooding · 3 with quality panels averaging 87 % · 12 stale
Sites found: 42, 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-07288068 | flow 5.34 ft³/s · quality 80 % (5) | 69 km |
| USGS-07288048 | flow 0.47 ft³/s · quality 80 % (5) | 70 km |
| USGS-07273100 | flow 4,610 ft³/s · STALE | 8 km |
| Tallahatchie River at Sardis Dam | no flooding | 17 km |
| USGS-07275530 | flow 15.0 ft³/s · STALE | 17 km |
| Yocona River at Enid Dam | no flooding | 24 km |
| USGS-07277730 | flow 10.0 ft³/s · STALE | 28 km |
| USGS-07277700 | flow 9,240 ft³/s · STALE | 30 km |
| Coldwater River at Marks | no flooding | 30 km |
| Tallahatchie River near Lambert | no flooding | 31 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 #
10 wells in 0 named aquifers:
Sites found: 10, 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-342332090060001 | depth 12.6 ft · 1994-09-30 | 13 km |
| USGS-342136089315001 | depth 70.6 ft · 1994-09-29 | 40 km |
| USGS-342550089312801 | depth 79.2 ft · 1993-08-23 | 41 km |
| USGS-341059090334501 | depth 33.9 ft · 1993-02-09 | 59 km |
| USGS-344540090230801 | depth 15.7 ft · 1982-02-12 | 59 km |
| USGS-335016089471801 | depth 13.3 ft · 1968-12-31 | 61 km |
| USGS-341311090371801 | depth 28.0 ft · 1987-01-14 | 62 km |
| USGS-350002090054400 | depth 60.5 ft · 2010-02-17 | 72 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 #
low (0.21)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.13 / 0.55
Banks & federal dollars #
$823.0 m in deposits at 17 offices of 6 banks (SOD June 2026); HHI 3,917, highly concentrated. $12.5 m federal obligations in FY2026 (contracts $11.9 m, grants $581,444), $1,137 per covered job
| Item | Value | Distance |
|---|---|---|
| First Security Bank | $486.5 m · 59.1% share · 10 offices | |
| Guaranty Bank and Trust Company | $134.9 m · 16.4% share · 2 offices | |
| Regions Bank | $64.1 m · 7.8% share · 1 office | |
| Panola, MS | $12.5 m FY2026 · $1,137/job | |
| MULTIPLE RECIPIENTS | $199.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Security Bank | $486,456,000 | 59.1% | 10 |
| Guaranty Bank and Trust Company | $134,914,000 | 16.4% | 2 |
| Regions Bank | $64,051,000 | 7.8% | 1 |
| Renasant Bank | $48,325,000 | 5.9% | 2 |
| The Huntington National Bank | $46,945,000 | 5.7% | 1 |
| Planters Bank & Trust Company | $42,284,000 | 5.1% | 1 |
Deposit concentration is 3,917 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 = 59.1² + 16.4² + 7.8² + … (3 more) = 3,917
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 | $178,264,732 |
| Department of Veterans Affairs | $19,778,661 |
| Department of Labor | $8,566,588 |
| Department of Agriculture | $4,633,928 |
| Department of Defense | $3,248,749 |
| Department of Housing and Urban Development | $1,509,849 |
| Railroad Retirement Board | $1,039,674 |
| Appalachian Regional Commission | $570,000 |
| Department of Justice | $87,493 |
| Delta Regional Authority | $70,571 |
| Federal Communications Commission | $65,728 |
| Department of Health and Human Services | $0 |
That is $1,137 per covered job, against 10,994 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $12.5 m / 10,994 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $1,137
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 #
Panola County, MS: 11 findings, 4 at a watch level and 7 noted
watchPanola County, MS' typical home value is -1.0% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI 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: home.momPct = -1.0298561024975859 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchPanola County, MS' typical home value of $186,288 scores 31 on the 0-to-100 scale across US counties but 75 across Mississippi counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |31 across US counties - 75 across Mississippi counties|
position among the entities that published this metric this period; not an official level
watchPanola County, MS' average weekly wage of $918 scores 23 on the 0-to-100 scale across US counties but 57 across Mississippi counties, a gap of 34 points.
Period 2026 Q1.Show the arithmetic
- 34 = |23 across US counties - 57 across Mississippi counties|
position among the entities that published this metric this period; not an official level
watchPanola County, MS' years of wages of 3.9 scores 42 on the 0-to-100 scale across US counties but 76 across Mississippi counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |42 across US counties - 76 across Mississippi 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
notePanola County, MS' covered employment was 4.7% 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
- +4.7 % = 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
Read all 11 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.