Harnett County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.37, -78.87.
Assembled 2026-10-06. Read the brief.
- 67th pct · 981st of 3,063 US counties · median $234,566
- 61st pct · 39th of 100 North Carolina counties · median $273,108
- 24th pct · 2,301st of 3,063 US counties · median +2.9%
- 39th pct · 61st of 100 North Carolina counties · median +1.1%
- 78th pct · 299th of 1,399 US counties · median $1,496
- 88th pct · 8th of 63 North Carolina counties · median $1,573
- 77th pct · 720th of 3,221 US counties · median 8,232
- 69th pct · 31st of 100 North Carolina counties · median 16,739
- 36th pct · 2,026th of 3,221 US counties · median $1,039
- 49th pct · 51st of 100 North Carolina counties · median $984
- 76th pct · 733rd of 3,063 US counties · median 4.3
- 63rd pct · 37th 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 $293,575 (Aug 2026), +0.5% over one year, +30.6% over five
- 67th pct · 981st of 3,063 US counties · median $234,566
- 61st pct · 39th of 100 North Carolina counties · median $273,108
| Item | Value | Distance |
|---|---|---|
| Harnett County, NC | $293,575 · +0.5% 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 #
Typical rent $1,898/mo (Aug 2026), +2.8% over one year; price-to-rent 12.9
- 78th pct · 299th of 1,399 US counties · median $1,496
- 88th pct · 8th of 63 North Carolina counties · median $1,573
| Item | Value | Distance |
|---|---|---|
| Harnett County, NC | $1,898/mo · +2.8% 1-yr |
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 $1,607 a month on $293,575 at 7.28%, against an average weekly wage worth $4,247 a month: 37.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $293,575 × 80% = $234,860, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,607/mo principal and interest
- wage share = payment / (avg weekly wage $980 × 52 / 12 = $4,247) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $293,575 / ($980 × 52) = 5.8
- price-to-rent = $293,575 / ($1,898 × 12) = 12.9
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 #
30,123 jobs at 2,629 employers (2026 Q1); +1.7% jobs and +4.0% average weekly wage over the year
- 77th pct · 720th of 3,221 US counties · median 8,232
- 69th pct · 31st of 100 North Carolina counties · median 16,739
| Item | Value | Distance |
|---|---|---|
| Harnett County, NC | 30,123 jobs · $980/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 5,024 | $793 | 1.71 | -1.9% |
| Accommodation and food services | 3,326 | $366 | 1.23 | +2.7% |
| Construction | 2,860 | $1,257 | 1.81 | +11.8% |
| Health care and social assistance | 2,730 | $871 | 0.60 | -4.0% |
| Educational services | 1,922 | $890 | 2.97 | +0.1% |
| Manufacturing | 1,771 | $1,135 | 0.73 | +0.0% |
| Administrative and waste services | 1,547 | $900 | 0.90 | +5.6% |
| Transportation and warehousing | 1,181 | $1,037 | 0.93 | -1.9% |
| Professional and technical services | 1,032 | $1,261 | 0.50 | +5.2% |
| Other services | 691 | $975 | 0.77 | +9.3% |
| Finance and insurance | 419 | $1,824 | 0.34 | -3.7% |
| Arts, entertainment and recreation | 398 | $297 | 0.80 | +7.9% |
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 #
$1.4 bn in deposits at 18 offices of 9 banks (SOD June 2026); HHI 1,859, highly concentrated. $912.5 m federal obligations in FY2026 (direct payments $858.7 m, grants $62.5 m), $30,294 per covered job
| Item | Value | Distance |
|---|---|---|
| First Bank | $368.2 m · 25.4% share · 3 offices | |
| Truist Bank | $360.9 m · 24.9% share · 4 offices | |
| First-Citizens Bank & Trust Company | $272.1 m · 18.8% share · 2 offices | |
| Harnett, NC | $912.5 m FY2026 · $30,294/job | |
| MULTIPLE RECIPIENTS | $834.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Bank | $368,230,000 | 25.4% | 3 |
| Truist Bank | $360,899,000 | 24.9% | 4 |
| First-Citizens Bank & Trust Company | $272,140,000 | 18.8% | 2 |
| First Federal Bank | $171,682,000 | 11.8% | 4 |
| The Fidelity Bank | $94,377,000 | 6.5% | 1 |
| PNC Bank, National Association | $91,675,000 | 6.3% | 1 |
| KS Bank, Inc. | $52,739,000 | 3.6% | 1 |
| The First Bank and Trust Company | $33,534,000 | 2.3% | 1 |
| Woodforest National Bank | $4,316,000 | 0.3% | 1 |
Deposit concentration is 1,859 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 25.4² + 24.9² + 18.8² + … (6 more) = 1,859
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 | $573,187,443 |
| Department of Veterans Affairs | $261,402,493 |
| Department of Transportation | $55,961,417 |
| Department of Agriculture | $12,317,983 |
| Department of Education | $9,009,906 |
| Environmental Protection Agency | $6,296,904 |
| Department of Housing and Urban Development | $5,129,536 |
| Federal Communications Commission | $2,406,675 |
| Department of Defense | $1,293,051 |
| Railroad Retirement Board | $1,029,289 |
| Department of Commerce | $17,208 |
| Small Business Administration | $0 |
That is $30,294 per covered job, against 30,123 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $912.5 m / 30,123 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,294
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 #
Harnett County, NC: 8 findings, 8 noted
noteHarnett County, NC's average weekly wage was 4.0% 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 % = 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
noteHarnett County, NC's covered employment was 1.7% 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
- +1.7 % = 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
noteHarnett County, NC's typical asking rent fell 0.4% from $1,906 in July 2026 to $1,898 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1897.6157407407409 - 1905.5277095887727) / 1905.5277095887727 × 100
- 1897.6157407407409 = Zillow ZORI, 2026-08
- 1905.5277095887727 = Zillow ZORI, 2026-07
noteHarnett County, NC's typical home value fell 0.3% from $294,473 in July 2026 to $293,575 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (293575.1535707856 - 294472.69337490335) / 294472.69337490335 × 100
- 293575.1535707856 = Zillow ZHVI, 2026-08
- 294472.69337490335 = Zillow ZHVI, 2026-07
noteHarnett County, NC's price-to-rent ratio of 12.9 ranks 58th of 63 North Carolina counties, against a median of 16.5.
Period 2026-08.Show the arithmetic
- 8 on the 0-to-100 scale across 63 North Carolina counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
Read all 8 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.