Stone County, MS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.79, -89.11.
Assembled 2026-10-06. Read the brief.
- 39th pct · 1,839th of 3,063 US counties · median $234,566
- 81st pct · 16th of 80 Mississippi counties · median $151,974
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
- 87th pct · 399th of 3,063 US counties · median +2.9%
- 84th pct · 13th of 80 Mississippi counties · median +1.3%
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Mississippi counties: not published this period
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
- 37th pct · 2,026th of 3,221 US counties · median 8,232
- 39th pct · 50th of 82 Mississippi counties · median 6,322
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
- 9th pct · 2,915th of 3,221 US counties · median $1,039
- 24th pct · 62nd of 82 Mississippi counties · median $903
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
- 60th pct · 1,200th of 3,063 US counties · median 4.3
- 88th pct · 10th of 80 Mississippi counties · median 3.3
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
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 $208,603 (Aug 2026), +7.2% over one year, +22.9% over five
- 39th pct · 1,839th of 3,063 US counties · median $234,566
- 81st pct · 16th of 80 Mississippi counties · median $151,974
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stone County, MS | $208,603 · +7.2% 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
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
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 $1,142 a month on $208,603 at 7.28%, against an average weekly wage worth $3,618 a month: 31.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $208,603 × 80% = $166,882, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,142/mo principal and interest
- wage share = payment / (avg weekly wage $835 × 52 / 12 = $3,618) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $208,603 / ($835 × 52) = 4.8
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 #
4,974 jobs at 349 employers (2026 Q1); -0.3% jobs and +1.8% average weekly wage over the year
- 37th pct · 2,026th of 3,221 US counties · median 8,232
- 39th pct · 50th of 82 Mississippi counties · median 6,322
- counties in the Gulfport-Biloxi metro: Rank context is unavailable: the manifest lists 4 counties in the Gulfport-Biloxi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stone County, MS | 4,974 jobs · $835/wk · -0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 799 | $616 | 1.65 | +7.7% |
| Accommodation and food services | 627 | $312 | 1.40 | +0.0% |
| Manufacturing | 522 | $1,203 | 1.30 | -3.3% |
| Transportation and warehousing | 286 | $1,056 | 1.36 | -16.9% |
| Professional and technical services | 241 | $1,446 | 0.70 | +3.9% |
| Agriculture, forestry, fishing | 217 | $1,133 | 6.04 | -15.2% |
| Construction | 211 | $1,087 | 0.81 | -10.6% |
| Administrative and waste services | 114 | $653 | 0.40 | +83.9% |
| Finance and insurance | 99 | $887 | 0.49 | -18.2% |
| Other services | 62 | $622 | 0.42 | +0.0% |
| Arts, entertainment and recreation | 13 | $259 | 0.16 | +0.0% |
| Information | 11 | $796 | 0.12 | +0.0% |
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 #
D0 abnormally dry
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 #
60 gauges · 0 flooding · 15 with quality panels averaging 63 % · 18 stale
Sites found: 60, 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-301429089145600 | stage 4.09 ft · quality 50 % (2) | 63 km |
| PASCAGOULA RIVER AT MI 1 AT PASCAGOULA, MS | stage -0.24 ft · quality 50 % (2) · observation not current · STALE | 71 km |
| USGS-301849088350000 | stage 3.16 ft · quality 50 % (2) | 74 km |
| USGS-301912088583300 | turb. 74.6 FNU · quality 63 % (4) · observation not current · STALE | 54 km |
| USGS-302318088512600 | stage 1.16 ft · quality 50 % (2) | 51 km |
| WEST PASCAGOULA RIVER AT HWY 90 AT GAUTIER, MS | stage -0.22 ft · quality 25 % (2) · observation not current · STALE | 66 km |
| USGS-301527088521500 | turb. 51.0 FNU · quality 50 % (4) · STALE | 64 km |
| GRAVELINE BAYOU NEAR GAUTIER, MS | stage -0.15 ft · quality 25 % (2) · observation not current · STALE | 62 km |
| BACK BAY OF BILOXI NEAR BILOXI, MISS. | stage 0.56 ft · quality 50 % (2) · observation not current · STALE | 44 km |
| Red Creek at Perkinston | observation not current | 2 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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-302406088593201 | depth 38.2 ft · 1995-09-06 | 44 km |
| USGS-311137089110501 | depth 132.1 ft · 1968-05-31 | 45 km |
| USGS-302355088540301 | depth 48.2 ft · 1995-09-29 | 48 km |
| USGS-310935089252001 | depth 268.8 ft · 1993-09-29 | 51 km |
| USGS-312115089193601 | depth 35.4 ft · 1993-08-16 | 66 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 (0.14)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.37 / 0.55
Banks & federal dollars #
$295.1 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 5,210, highly concentrated. $4.3 m federal obligations in FY2026 (contracts $2.5 m, grants $1.8 m), $868 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Wiggins | $204.5 m · 69.3% share · 3 offices | |
| Renasant Bank | $52.8 m · 17.9% share · 1 office | |
| The Peoples Bank, Biloxi, Mississippi | $22.9 m · 7.8% share · 1 office | |
| Stone, MS | $4.3 m FY2026 · $868/job | |
| MULTIPLE RECIPIENTS | $123.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Wiggins | $204,515,000 | 69.3% | 3 |
| Renasant Bank | $52,754,000 | 17.9% | 1 |
| The Peoples Bank, Biloxi, Mississippi | $22,915,000 | 7.8% | 1 |
| FNB Picayune Bank | $14,876,000 | 5.0% | 1 |
Deposit concentration is 5,210 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 69.3² + 17.9² + 7.8² + … (1 more) = 5,210
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 | $96,475,350 |
| Department of Veterans Affairs | $27,743,500 |
| Department of Education | $16,150,675 |
| Department of Agriculture | $2,299,769 |
| Department of Transportation | $1,256,925 |
| Railroad Retirement Board | $457,356 |
| National Science Foundation | $126,690 |
| Department of Housing and Urban Development | $63,605 |
| Department of Energy | $0 |
| Department of Homeland Security | -$290 |
That is $868 per covered job, against 4,974 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.3 m / 4,974 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $868
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 #
Stone County, MS: 7 findings, 2 at a watch level and 5 noted
watchStone County, MS' covered employment is -0.3% 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 = -0.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchStone County, MS' typical home value of $208,603 scores 40 on the 0-to-100 scale across US counties but 81 across Mississippi counties, a gap of 41 points.
Period 2026-08.Show the arithmetic
- 41 = |40 across US counties - 81 across Mississippi counties|
position among the entities that published this metric this period; not an official level
noteStone County, MS' average weekly wage was 1.8% 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
- +1.8 % = 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
noteStone County, MS' typical home value rose 0.3% from $207,878 in July 2026 to $208,603 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (208602.6456716572 - 207877.79034539816) / 207877.79034539816 × 100
- 208602.6456716572 = Zillow ZHVI, 2026-08
- 207877.79034539816 = Zillow ZHVI, 2026-07
noteStone County, MS' covered employment was 0.3% 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
- -0.3 % = 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
Read all 7 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.