Hoke County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.02, -79.24.
Assembled 2026-10-07. Read the brief.
- 64th pct · 1,087th of 3,063 US counties · median $234,566
- 54th pct · 46th of 100 North Carolina counties · median $273,108
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
- 20th pct · 2,447th of 3,063 US counties · median +2.9%
- 25th pct · 75th of 100 North Carolina counties · median +1.1%
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
- 70th pct · 418th of 1,399 US counties · median $1,496
- 77th pct · 15th of 63 North Carolina counties · median $1,573
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
- 54th pct · 1,468th of 3,221 US counties · median 8,232
- 33rd pct · 67th of 100 North Carolina counties · median 16,739
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
- 26th pct · 2,350th of 3,221 US counties · median $1,039
- 29th pct · 71st of 100 North Carolina counties · median $984
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
- 75th pct · 741st of 3,063 US counties · median 4.3
- 62nd pct · 38th of 100 North Carolina counties · median 5.0
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville 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 $279,974 (Aug 2026), -0.1% over one year, +35.4% over five
- 64th pct · 1,087th of 3,063 US counties · median $234,566
- 54th pct · 46th of 100 North Carolina counties · median $273,108
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hoke County, NC | $279,974 · -0.1% 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 $1,753/mo (Aug 2026), +3.9% over one year; price-to-rent 13.3
- 70th pct · 418th of 1,399 US counties · median $1,496
- 77th pct · 15th of 63 North Carolina counties · median $1,573
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hoke County, NC | $1,753/mo · +3.9% 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 $1,532 a month on $279,974 at 7.28%, against an average weekly wage worth $4,069 a month: 37.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $279,974 × 80% = $223,979, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,532/mo principal and interest
- wage share = payment / (avg weekly wage $939 × 52 / 12 = $4,069) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $279,974 / ($939 × 52) = 5.7
- price-to-rent = $279,974 / ($1,753 × 12) = 13.3
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 #
9,676 jobs at 757 employers (2026 Q1); +4.6% jobs and +0.9% average weekly wage over the year
- 54th pct · 1,468th of 3,221 US counties · median 8,232
- 33rd pct · 67th of 100 North Carolina counties · median 16,739
- counties in the Fayetteville metro: Rank context is unavailable: the manifest lists 2 counties in the Fayetteville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hoke County, NC | 9,676 jobs · $939/wk · +4.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,036 | $1,040 | 2.62 | +10.4% |
| Retail trade | 834 | $575 | 0.88 | -0.1% |
| Accommodation and food services | 501 | $352 | 0.58 | -4.4% |
| Construction | 406 | $953 | 0.80 | +2.5% |
| Administrative and waste services | 322 | $1,115 | 0.59 | +8.1% |
| Transportation and warehousing | 238 | $703 | 0.58 | -1.7% |
| Other services | 168 | $836 | 0.58 | -4.5% |
| Real estate and rental | 100 | $792 | 0.67 | +8.7% |
| Finance and insurance | 89 | $1,061 | 0.23 | +2.3% |
| Arts, entertainment and recreation | 76 | $567 | 0.48 | +1.3% |
| Information | 9 | $820 | 0.05 | -57.1% |
| Unclassified | 0 | $0 | 0.00 | +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.
Water #
Banks & federal dollars #
$179.1 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 3,154, highly concentrated. $468.4 m federal obligations in FY2026 (direct payments $451.0 m, contracts $14.6 m), $48,408 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $71.0 m · 39.6% share · 1 office | |
| The Fidelity Bank | $61.1 m · 34.1% share · 1 office | |
| PNC Bank, National Association | $34.5 m · 19.3% share · 1 office | |
| Hoke, NC | $468.4 m FY2026 · $48,408/job | |
| MULTIPLE RECIPIENTS | $446.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $70,979,000 | 39.6% | 1 |
| The Fidelity Bank | $61,081,000 | 34.1% | 1 |
| PNC Bank, National Association | $34,475,000 | 19.3% | 1 |
| Lumbee Guaranty Bank | $12,544,000 | 7.0% | 1 |
Deposit concentration is 3,154 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 = 39.6² + 34.1² + 19.3² + … (1 more) = 3,154
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 |
|---|---|
| Department of Veterans Affairs | $244,514,946 |
| Social Security Administration | $203,325,176 |
| Department of Homeland Security | $8,044,330 |
| Department of Defense | $4,972,773 |
| Department of Agriculture | $2,638,270 |
| Federal Communications Commission | $2,180,139 |
| Department of Justice | $1,693,216 |
| Department of Education | $461,085 |
| Department of Housing and Urban Development | $181,421 |
| Department of Commerce | $144,926 |
| Railroad Retirement Board | $135,957 |
| Department of Transportation | $127,169 |
That is $48,408 per covered job, against 9,676 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $468.4 m / 9,676 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $48,408
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Hoke County, NC: 9 findings, 1 at a watch level and 8 noted
watchHoke County, NC's typical home value is -0.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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.yoyPct = -0.08766020848429644 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteHoke County, NC's covered employment was 4.6% 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
- +4.6 % = 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
noteHoke County, NC's average weekly wage was 0.9% 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
- +0.9 % = 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
noteHoke County, NC's typical asking rent rose 0.7% from $1,741 in July 2026 to $1,753 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.7% = (1753.077067669173 - 1741.0285063766069) / 1741.0285063766069 × 100
- 1753.077067669173 = Zillow ZORI, 2026-08
- 1741.0285063766069 = Zillow ZORI, 2026-07
noteHoke County, NC's covered employment of +4.6% ranks 231st of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 93 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
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.