Bertie County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.06, -76.96.
Assembled 2026-10-06. Read the brief.
- 0th pct · 3,052nd of 3,063 US counties · median $234,566
- 0th pct · 100th of 100 North Carolina counties · median $273,108
- 67th pct · 986th of 3,063 US counties · median +2.9%
- 83rd pct · 17th of 100 North Carolina counties · median +1.1%
- US counties: not published this period
- North Carolina counties: not published this period
- 38th pct · 1,985th of 3,221 US counties · median 8,232
- 19th pct · 81st of 100 North Carolina counties · median 16,739
- 21st pct · 2,531st of 3,221 US counties · median $1,039
- 17th pct · 82nd of 100 North Carolina counties · median $984
- 0th pct · 3,042nd of 3,063 US counties · median 4.3
- 0th pct · 100th of 100 North Carolina counties · median 5.0
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 $65,550 (Aug 2026), +4.6% over one year, -3.7% over five
- 0th pct · 3,052nd of 3,063 US counties · median $234,566
- 0th pct · 100th of 100 North Carolina counties · median $273,108
| Item | Value | Distance |
|---|---|---|
| Bertie County, NC | $65,550 · +4.6% 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
- North Carolina 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 $359 a month on $65,550 at 7.28%, against an average weekly wage worth $3,948 a month: 9.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $65,550 × 80% = $52,440, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $359/mo principal and interest
- wage share = payment / (avg weekly wage $911 × 52 / 12 = $3,948) = 9% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $65,550 / ($911 × 52) = 1.4
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 #
5,261 jobs at 351 employers (2026 Q1); -0.3% jobs and +7.6% average weekly wage over the year
- 38th pct · 1,985th of 3,221 US counties · median 8,232
- 19th pct · 81st of 100 North Carolina counties · median 16,739
| Item | Value | Distance |
|---|---|---|
| Bertie County, NC | 5,261 jobs · $911/wk · -0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 791 | $810 | 1.00 | +0.0% |
| Administrative and waste services | 439 | $846 | 1.47 | +15.5% |
| Retail trade | 347 | $482 | 0.68 | +27.6% |
| Agriculture, forestry, fishing | 258 | $928 | 6.79 | -1.9% |
| Accommodation and food services | 180 | $338 | 0.38 | -3.7% |
| Transportation and warehousing | 117 | $1,398 | 0.53 | +18.2% |
| Educational services | 54 | $485 | 0.48 | +0.0% |
| Other services | 54 | $630 | 0.34 | -16.9% |
| Wholesale trade | 51 | $1,256 | 0.25 | +0.0% |
| Finance and insurance | 46 | $1,336 | 0.21 | -4.2% |
| Arts, entertainment and recreation | 21 | $268 | 0.24 | +16.7% |
| Construction | 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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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.
| Site | Reading | Distance |
|---|---|---|
| LAKE MATTAMUSKEET W OF NC HWY 94 NR FAIRFIELD, NC | 1.91 ft (USGS, no capacity on file) | 89 km |
| LAKE MATTAMUSKEET E OF NC HWY 94 NR FAIRFIELD, NC | 1.83 ft (USGS, no capacity on file) | 93 km |
| FALLS LAKE ABOVE DAM NR FALLS, NC | 246.6 ft (USGS, no capacity on file) | 146 km |
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 #
37 gauges · 0 flooding · 4 with quality panels averaging 88 % · 18 stale
Sites found: 37, 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 |
|---|---|---|
| ROANOKE RIVER AT NC 45 NR WESTOVER, NC | stage 2.02 ft · quality 50 % (4) | 27 km |
| CASHIE RIVER AT SR1257 NEAR WINDSOR, NC | flow 0.46 ft³/s | 2 km |
| CASHIE RIVER AT US 17 BYPASS AT WINDSOR, NC | stage 5.32 ft · STALE | 5 km |
| ROANOKE RIVER AT WILLIAMSTON, NC | flow 1,530 ft³/s | 23 km |
| ROANOKE RIVER NEAR OAK CITY, NC | flow 1,850 ft³/s · quality 100 % (4) · STALE | 23 km |
| CHINKAPIN CR TR AT SR1432 NR HARRELLSVILLE, NC | flow 0.00 ft³/s · STALE | 24 km |
| AHOSKIE CREEK AT AHOSKIE, NC | flow 2.97 ft³/s | 25 km |
| ROANOKE RIVER AT HAMILTON, NC | stage 2.85 ft | 25 km |
| ROANOKE RIVER AT JAMESVILLE, NC | stage 2.09 ft · quality 100 % (4) | 28 km |
| POTECASI CREEK NEAR UNION, NC | stage 2.74 ft | 35 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 #
69 wells in 0 named aquifers:
Sites found: 69, 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-361420077111407 | depth 8.32 ft · 2009-10-01 | 28 km |
| USGS-354418076463601 | depth 4.11 ft · 2026-10-05 | 39 km |
| USGS-354126076314201 | depth 2.23 ft · 2026-10-05 | 57 km |
| USGS-354216076271201 | depth 2.24 ft · 2026-10-05 | 61 km |
| USGS-363632076580101 | depth 111.4 ft · 2020-05-28 | 61 km |
| USGS-363625076522603 | depth 176.6 ft · 2020-01-27 | 61 km |
| USGS-363625076522602 | depth 180.2 ft · 2026-10-05 | 61 km |
| USGS-353827076293001 | depth 0.97 ft · 2026-10-05 | 63 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 (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.13 / 0.55
Banks & federal dollars #
$128.7 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $148.3 m federal obligations in FY2026 (direct payments $139.0 m, grants $9.3 m), $28,182 per covered job
| Item | Value | Distance |
|---|---|---|
| Southern Bank and Trust Company | $128.7 m · 100.0% share · 1 office | |
| Bertie, NC | $148.3 m FY2026 · $28,182/job | |
| MULTIPLE RECIPIENTS | $130.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Southern Bank and Trust Company | $128,676,000 | 100.0% | 1 |
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 | $118,887,717 |
| Department of Veterans Affairs | $11,025,972 |
| Department of Agriculture | $8,614,640 |
| Department of Transportation | $7,934,892 |
| Department of Health and Human Services | $1,333,329 |
| Federal Communications Commission | $261,900 |
| Railroad Retirement Board | $208,346 |
| Small Business Administration | $0 |
That is $28,182 per covered job, against 5,261 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $148.3 m / 5,261 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,182
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 #
Bertie County, NC: 9 findings, 1 at a watch level and 8 noted
watchBertie County, NC's 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
noteBertie County, NC's average weekly wage was 7.6% 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
- +7.6 % = 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
noteBertie County, NC's 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
noteBertie County, NC's typical home value rose 0.3% from $65,359 in July 2026 to $65,550 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (65549.87818329573 - 65358.65764659521) / 65358.65764659521 × 100
- 65549.87818329573 = Zillow ZHVI, 2026-08
- 65358.65764659521 = Zillow ZHVI, 2026-07
noteBertie County, NC's typical home value of $65,550 ranks 100th of 100 North Carolina counties, against a median of $273,108.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 100 North Carolina counties that published home.latest
position among the entities that published this metric this period; not an official level
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.