Northampton County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.42, -77.40.
Assembled 2026-10-07. Read the brief.
- 4th pct · 2,936th of 3,063 US counties · median $234,566
- 1st pct · 99th of 100 North Carolina counties · median $273,108
- 89th pct · 317th of 3,063 US counties · median +2.9%
- 97th pct · 3rd of 100 North Carolina counties · median +1.1%
- US counties: not published this period
- North Carolina counties: not published this period
- 35th pct · 2,088th of 3,221 US counties · median 8,232
- 15th pct · 85th of 100 North Carolina counties · median 16,739
- 47th pct · 1,701st of 3,221 US counties · median $1,039
- 64th pct · 36th of 100 North Carolina counties · median $984
- 4th pct · 2,931st of 3,063 US counties · median 4.3
- 1st pct · 99th 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 $108,391 (Aug 2026), +7.7% over one year, +9.5% over five
- 4th pct · 2,936th of 3,063 US counties · median $234,566
- 1st pct · 99th of 100 North Carolina counties · median $273,108
| Item | Value | Distance |
|---|---|---|
| Northampton County, NC | $108,391 · +7.7% 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 $593 a month on $108,391 at 7.28%, against an average weekly wage worth $4,446 a month: 13.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $108,391 × 80% = $86,713, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $593/mo principal and interest
- wage share = payment / (avg weekly wage $1,026 × 52 / 12 = $4,446) = 13% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $108,391 / ($1,026 × 52) = 2.0
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 #
4,628 jobs at 347 employers (2026 Q1); -3.3% jobs and +4.6% average weekly wage over the year
- 35th pct · 2,088th of 3,221 US counties · median 8,232
- 15th pct · 85th of 100 North Carolina counties · median 16,739
| Item | Value | Distance |
|---|---|---|
| Northampton County, NC | 4,628 jobs · $1,026/wk · -3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 837 | $794 | 1.86 | -1.4% |
| Manufacturing | 324 | $1,359 | 0.87 | -9.5% |
| Construction | 209 | $1,869 | 0.86 | +13.0% |
| Other services | 86 | $845 | 0.62 | -12.2% |
| Administrative and waste services | 80 | $873 | 0.30 | -36.0% |
| Finance and insurance | 24 | $1,280 | 0.13 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Real estate and rental | 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 #
D2 severe 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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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 |
|---|---|---|
| FALLS LAKE ABOVE DAM NR FALLS, NC | 246.5 ft (USGS, no capacity on file) | 119 km |
| BEAVERDAM CREEK AT DAM NEAR CREEDMOOR, NC | 248.5 ft (USGS, no capacity on file) | 124 km |
| AFTERBAY RESERVOIR AT DAM NR MCGEHEES MILL, NC | 364.6 ft (USGS, no capacity on file) | 143 km |
| LAKE MATTAMUSKEET W OF NC HWY 94 NR FAIRFIELD, NC | 1.93 ft (USGS, no capacity on file) | 145 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 7.99 ft (USGS, no capacity on file) | 148 km |
| LAKE MATTAMUSKEET E OF NC HWY 94 NR FAIRFIELD, NC | 1.82 ft (USGS, no capacity on file) | 149 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 #
39 gauges · 0 flooding · 3 with quality panels averaging 100 % · 14 stale
Sites found: 39, 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 |
|---|---|---|
| MEHERRIN RIVER NEAR BRYANTS CORNER, VA | flow 50.9 ft³/s | 17 km |
| ROANOKE RIVER AT HALIFAX, NC | stage 17.4 ft · quality 100 % (4) | 19 km |
| ROANOKE RIVER AT ROANOKE RAPIDS, NC | flow 1,580 ft³/s | 21 km |
| ROANOKE RIVER NEAR SCOTLAND NECK, NC | stage 4.77 ft | 24 km |
| MEHERRIN RIVER AT EMPORIA, VA | flow 40.4 ft³/s | 32 km |
| POTECASI CREEK NEAR UNION, NC | stage 2.71 ft | 34 km |
| FOUNTAINS CREEK NEAR BRINK, VA | flow 56.0 ft³/s · STALE | 34 km |
| AHOSKIE CREEK AT AHOSKIE, NC | flow 2.69 ft³/s | 39 km |
| FISHING CREEK NEAR ENFIELD, NC | flow 2.08 ft³/s | 40 km |
| NOTTOWAY RIVER NEAR RIVERDALE, VA | flow 316.0 ft³/s | 44 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 #
56 wells in 0 named aquifers:
Sites found: 56, 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-363916077201002 | depth 69.7 ft · 1987-10-27 | 26 km |
| USGS-363916077201005 | depth 71.9 ft · 1987-10-26 | 26 km |
| USGS-363916077201006 | depth 42.0 ft · 1987-10-27 | 26 km |
| USGS-363916077201004 | depth 73.0 ft · 1987-10-27 | 26 km |
| USGS-363916077201003 | depth 72.9 ft · 1987-10-27 | 26 km |
| USGS-361420077111407 | depth 8.32 ft · 2009-10-01 | 28 km |
| USGS-364109077230701 | depth 59.0 ft · 1995-10-18 | 29 km |
| USGS-363906077000403 | depth 121.3 ft · 2026-10-06 | 44 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$70.3 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $8.4 m federal obligations in FY2026 (grants $8.4 m, loans $36,955), $1,817 per covered job
| Item | Value | Distance |
|---|---|---|
| Southern Bank and Trust Company | $70.3 m · 100.0% share · 1 office | |
| Northampton, NC | $8.4 m FY2026 · $1,817/job | |
| MULTIPLE RECIPIENTS | $137.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Southern Bank and Trust Company | $70,311,000 | 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 | $122,990,599 |
| Department of Agriculture | $13,572,569 |
| Department of Veterans Affairs | $13,191,444 |
| Department of Housing and Urban Development | $7,850,389 |
| Department of Health and Human Services | $6,027,567 |
| Railroad Retirement Board | $930,065 |
| Federal Communications Commission | $488,784 |
| Department of Transportation | $411,300 |
That is $1,817 per covered job, against 4,628 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $8.4 m / 4,628 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $1,817
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 #
Northampton County, NC: 12 findings, 1 at an alert level, 1 at a watch level and 10 noted
alertNorthampton County, NC's covered employment is -3.3% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchNorthampton County, NC's covered employment is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteNorthampton County, NC's average weekly wage 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
noteNorthampton County, NC's covered employment was 3.3% 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
- -3.3 % = 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
noteNorthampton County, NC's typical home value of $108,391 ranks 99th of 100 North Carolina counties, against a median of $273,108.
Period 2026-08.Show the arithmetic
- 1 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 12 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.