Person County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.39, -78.97.
Assembled 2026-10-06. Read the brief.
- 56th pct · 1,336th of 3,063 US counties · median $234,566
- 40th pct · 60th of 100 North Carolina counties · median $273,108
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
- 78th pct · 674th of 3,063 US counties · median +2.9%
- 90th pct · 10th of 100 North Carolina counties · median +1.1%
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
- US counties: not published this period
- North Carolina counties: not published this period
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
- 52nd pct · 1,522nd of 3,221 US counties · median 8,232
- 32nd pct · 68th of 100 North Carolina counties · median 16,739
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
- 40th pct · 1,916th of 3,221 US counties · median $1,039
- 53rd pct · 47th of 100 North Carolina counties · median $984
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
- 62nd pct · 1,160th of 3,063 US counties · median 4.3
- 46th pct · 54th of 100 North Carolina counties · median 5.0
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill 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 $252,202 (Aug 2026), +5.7% over one year, +24.5% over five
- 56th pct · 1,336th of 3,063 US counties · median $234,566
- 40th pct · 60th of 100 North Carolina counties · median $273,108
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Person County, NC | $252,202 · +5.7% 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
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
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 $1,380 a month on $252,202 at 7.28%, against an average weekly wage worth $4,320 a month: 32.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $252,202 × 80% = $201,762, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,380/mo principal and interest
- wage share = payment / (avg weekly wage $997 × 52 / 12 = $4,320) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $252,202 / ($997 × 52) = 4.9
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 #
9,179 jobs at 818 employers (2026 Q1); +1.6% jobs and -1.6% average weekly wage over the year
- 52nd pct · 1,522nd of 3,221 US counties · median 8,232
- 32nd pct · 68th of 100 North Carolina counties · median 16,739
- counties in the Durham-Chapel Hill metro: Rank context is unavailable: the manifest lists 4 counties in the Durham-Chapel Hill metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Person County, NC | 9,179 jobs · $997/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,645 | $1,310 | 2.23 | +60.6% |
| Retail trade | 1,533 | $627 | 1.71 | +1.4% |
| Health care and social assistance | 1,098 | $931 | 0.79 | +0.9% |
| Accommodation and food services | 979 | $361 | 1.19 | +13.4% |
| Other services | 270 | $831 | 0.98 | -19.6% |
| Professional and technical services | 250 | $1,091 | 0.39 | +0.0% |
| Utilities | 234 | $3,650 | 6.45 | +0.0% |
| Finance and insurance | 171 | $1,149 | 0.46 | +1.8% |
| Educational services | 170 | $750 | 0.86 | -1.2% |
| Wholesale trade | 106 | $1,309 | 0.30 | -83.9% |
| Transportation and warehousing | 65 | $778 | 0.17 | +10.2% |
| Real estate and rental | 41 | $983 | 0.29 | -4.7% |
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 #
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 #
5 USGS reservoir gauges, no capacity figures to weight
Sites found: 5, 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 |
|---|---|---|
| AFTERBAY RESERVOIR AT DAM NR MCGEHEES MILL, NC | 364.6 ft (USGS, no capacity on file) | 15 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 8.00 ft (USGS, no capacity on file) | 16 km |
| BEAVERDAM CREEK AT DAM NEAR CREEDMOOR, NC | 248.5 ft (USGS, no capacity on file) | 47 km |
| FALLS LAKE ABOVE DAM NR FALLS, NC | 246.6 ft (USGS, no capacity on file) | 60 km |
| B. EVERETT JORDAN LAKE AT DAM NR MONCURE, NC | 213.8 ft (USGS, no capacity on file) | 82 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 #
94 gauges · 0 flooding · 9 with quality panels averaging 98 % · 25 stale
Sites found: 94, 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 |
|---|---|---|
| HYCO R BL ABAY D NR MCGEHEES MILL, NC | flow 4.17 ft³/s · quality 100 % (1) | 15 km |
| MAYO CR NR BETHEL HILL, NC | flow 10.7 ft³/s | 19 km |
| HYCO CREEK NEAR LEASBURG, NC | flow 0.00 ft³/s · quality 100 % (1) | 21 km |
| HYCO RIVER NEAR DENNISTON, VA | flow 143.0 ft³/s · STALE | 23 km |
| FLAT RIVER AT BAHAMA, NC | flow 1.43 ft³/s | 24 km |
| LITTLE RIVER AT SR1461 NEAR ORANGE FACTORY, NC | flow 0.55 ft³/s | 28 km |
| LITTLE RIVER NEAR ORANGE FACTORY, NC | flow 0.71 ft³/s · STALE | 28 km |
| FLAT RIVER AT DAM NEAR BAHAMA, NC | flow 3.18 ft³/s | 29 km |
| DAN RIVER AT PACES, VA | flow 264.0 ft³/s | 31 km |
| FLAT RIVER TRIB NR WILLARDVILLE, NC | flow 0.00 ft³/s · STALE | 31 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 #
21 wells in 0 named aquifers:
Sites found: 21, 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-362454078562901 | depth 21.9 ft · 2013-05-08 | 4 km |
| USGS-362458078562601 | depth 24.9 ft · 2013-05-08 | 4 km |
| USGS-362515078562701 | depth 25.2 ft · 2013-05-08 | 4 km |
| USGS-360352078414401 | depth 33.0 ft · 2026-10-05 | 43 km |
| USGS-355944079013401 | depth 39.2 ft · 2026-10-05 | 44 km |
| USGS-364157078392201 | depth 30.1 ft · 2026-10-05 | 44 km |
| USGS-355522079043001 | depth 46.6 ft · 2012-09-29 | 54 km |
| USGS-355717078404001 | depth 45.1 ft · 2012-04-02 | 55 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 (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.02 / 0.55
Banks & federal dollars #
$696.9 m in deposits at 8 offices of 7 banks (SOD June 2026); HHI 2,414, highly concentrated. $281.2 m federal obligations in FY2026 (direct payments $275.7 m, grants $4.4 m), $30,637 per covered job
| Item | Value | Distance |
|---|---|---|
| Roxboro Savings Bank, SSB | $292.8 m · 42.0% share · 2 offices | |
| Wells Fargo Bank, National Association | $104.5 m · 15.0% share · 1 office | |
| First Horizon Bank | $97.5 m · 14.0% share · 1 office | |
| Person, NC | $281.2 m FY2026 · $30,637/job | |
| MULTIPLE RECIPIENTS | $270.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Roxboro Savings Bank, SSB | $292,795,000 | 42.0% | 2 |
| Wells Fargo Bank, National Association | $104,489,000 | 15.0% | 1 |
| First Horizon Bank | $97,459,000 | 14.0% | 1 |
| Truist Bank | $73,312,000 | 10.5% | 1 |
| First National Bank of Pennsylvania | $51,266,000 | 7.4% | 1 |
| The Fidelity Bank | $44,010,000 | 6.3% | 1 |
| Carter Bank & Trust | $33,529,000 | 4.8% | 1 |
Deposit concentration is 2,414 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 42.0² + 15.0² + 14.0² + … (4 more) = 2,414
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 | $241,031,777 |
| Department of Veterans Affairs | $29,150,565 |
| Department of Education | $2,827,417 |
| Department of Health and Human Services | $2,726,965 |
| Department of Housing and Urban Development | $2,049,091 |
| Department of Agriculture | $1,944,066 |
| Environmental Protection Agency | $891,277 |
| Federal Communications Commission | $320,473 |
| Railroad Retirement Board | $288,586 |
| Department of Justice | $20,899 |
| Department of Transportation | $13,384 |
| Small Business Administration | $0 |
That is $30,637 per covered job, against 9,179 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $281.2 m / 9,179 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,637
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Person County, NC: 5 findings, 1 at a watch level and 4 noted
watchPerson County, NC's average weekly wage is -1.6% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -1.6 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
notePerson County, NC's average weekly wage was 1.6% 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
- -1.6 % = 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
notePerson County, NC's covered employment was 1.6% 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
- +1.6 % = 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
notePerson County, NC's typical home value of +5.7% ranks 10th of 100 North Carolina counties, against a median of +1.1%.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 100 North Carolina counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Person County, NC is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.