Pamlico County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.15, -76.67.
Assembled 2026-10-06. Read the brief.
- 66th pct · 1,038th of 3,063 US counties · median $234,566
- 56th pct · 44th of 100 North Carolina counties · median $273,108
- 85th pct · 432nd of 3,063 US counties · median +2.9%
- 95th pct · 5th of 100 North Carolina counties · median +1.1%
- US counties: not published this period
- North Carolina counties: not published this period
- 27th pct · 2,327th of 3,221 US counties · median 8,232
- 12th pct · 88th of 100 North Carolina counties · median 16,739
- 2nd pct · 3,130th of 3,221 US counties · median $1,039
- 0th pct · 100th of 100 North Carolina counties · median $984
- 91st pct · 249th of 3,063 US counties · median 4.3
- 89th pct · 11th 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 $286,484 (Aug 2026), +7.0% over one year, +35.1% over five
- 66th pct · 1,038th of 3,063 US counties · median $234,566
- 56th pct · 44th of 100 North Carolina counties · median $273,108
| Item | Value | Distance |
|---|---|---|
| Pamlico County, NC | $286,484 · +7.0% 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 $1,568 a month on $286,484 at 7.28%, against an average weekly wage worth $3,111 a month: 50.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $286,484 × 80% = $229,187, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,568/mo principal and interest
- wage share = payment / (avg weekly wage $718 × 52 / 12 = $3,111) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $286,484 / ($718 × 52) = 7.7
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 #
3,429 jobs at 349 employers (2026 Q1); -14.5% jobs and +0.8% average weekly wage over the year
- 27th pct · 2,327th of 3,221 US counties · median 8,232
- 12th pct · 88th of 100 North Carolina counties · median 16,739
| Item | Value | Distance |
|---|---|---|
| Pamlico County, NC | 3,429 jobs · $718/wk · -14.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Arts, entertainment and recreation | 540 | $240 | 9.57 | +2.9% |
| Retail trade | 526 | $584 | 1.57 | +0.0% |
| Accommodation and food services | 339 | $398 | 1.10 | +15.7% |
| Construction | 157 | $908 | 0.87 | -16.0% |
| Manufacturing | 154 | $612 | 0.56 | -20.2% |
| Other services | 91 | $638 | 0.89 | +7.1% |
| Agriculture, forestry, fishing | 73 | $988 | 2.95 | +7.4% |
| Administrative and waste services | 58 | $1,044 | 0.30 | +0.0% |
| Professional and technical services | 51 | $1,122 | 0.22 | +0.0% |
| Transportation and warehousing | 45 | $1,158 | 0.31 | +7.1% |
| Finance and insurance | 34 | $1,239 | 0.24 | -5.6% |
| Real estate and rental | 28 | $713 | 0.53 | -9.7% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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) | 55 km |
| LAKE MATTAMUSKEET E OF NC HWY 94 NR FAIRFIELD, NC | 1.83 ft (USGS, no capacity on file) | 59 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 #
15 gauges · 0 flooding · 0 with quality panels · 9 stale
Sites found: 15, 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 |
|---|---|---|
| W. P. BRICE CREEK BELOW SR1101 NEAR RIVERDALE, NC | flow 15.0 ft³/s · STALE | 40 km |
| SWIFT CREEK AT HWY 43 NR STREETS FERRY, NC | flow 285.0 ft³/s | 42 km |
| CREDLE DITCH NR ROSE BAY, NC | flow 0.92 ft³/s · STALE | 42 km |
| WILLIAMS DITCH NR ROSE BAY, NC | flow -0.78 ft³/s · STALE | 43 km |
| TRENT R AT POLLOCKSVILLE, NC | flow 446.0 ft³/s | 53 km |
| SWIFT CREEK NEAR VANCEBORO, NC | flow 645.0 ft³/s · STALE | 53 km |
| PAMLICO RIVER AT WASHINGTON, NC | flow 4,390 ft³/s | 57 km |
| CREEPING SWAMP NEAR VANCEBORO, NC | flow 22.0 ft³/s · STALE | 58 km |
| TRANTERS CREEK AT SR1403 NEAR WASHINGTON, NC | stage -0.26 ft · STALE | 60 km |
| NEUSE RIVER NEAR FORT BARNWELL, NC | flow 661.0 ft³/s | 61 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 #
7 wells in 2 named aquifers: Castle Hayne aquifer, Surficial aquifer system
Sites found: 7, 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 |
|---|---|---|
| Castle Hayne aquifer | depth 9.67 ft · 2005-06-02 | 48 km |
| USGS-353827076293001 | depth 0.97 ft · 2026-10-05 | 57 km |
| USGS-354126076314201 | depth 2.23 ft · 2026-10-05 | 62 km |
| USGS-354216076271201 | depth 2.24 ft · 2026-10-05 | 65 km |
| USGS-354418076463601 | depth 4.11 ft · 2026-10-05 | 66 km |
| USGS-354227076232901 | depth 3.24 ft · 2026-10-05 | 67 km |
| Surficial aquifer system | depth 7.95 ft · 2026-10-05 | 69 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$207.4 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 5,996, highly concentrated. $130.7 m federal obligations in FY2026 (direct payments $126.5 m, grants $4.2 m), $38,125 per covered job
| Item | Value | Distance |
|---|---|---|
| First-Citizens Bank & Trust Company | $150.0 m · 72.3% share · 2 offices | |
| Wells Fargo Bank, National Association | $57.4 m · 27.7% share · 1 office | |
| Pamlico, NC | $130.7 m FY2026 · $38,125/job | |
| MULTIPLE RECIPIENTS | $123.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First-Citizens Bank & Trust Company | $150,003,000 | 72.3% | 2 |
| Wells Fargo Bank, National Association | $57,437,000 | 27.7% | 1 |
Deposit concentration is 5,996 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 72.3² + 27.7² = 5,996
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 | $107,304,387 |
| Department of Veterans Affairs | $15,659,262 |
| Department of Transportation | $4,185,840 |
| Department of Agriculture | $2,195,990 |
| Department of Education | $619,216 |
| Railroad Retirement Board | $436,980 |
| Department of Housing and Urban Development | $312,558 |
| Department of Homeland Security | $10,654 |
| Federal Communications Commission | $7,176 |
| Small Business Administration | $0 |
That is $38,125 per covered job, against 3,429 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $130.7 m / 3,429 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,125
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 #
Pamlico County, NC: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertPamlico County, NC's covered employment is -14.5% 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 = -14.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchPamlico County, NC's covered employment is -14.5% 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 = -14.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPamlico County, NC's years of wages of 7.7 ranks 249th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 91.90071848465055 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
notePamlico County, NC's covered employment was 14.5% 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
- -14.5 % = 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
notePamlico County, NC's average weekly wage was 0.8% 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
- +0.8 % = 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
Read all 11 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.