Scotland County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.84, -79.48.
Assembled 2026-10-06. Read the brief.
- 14th pct · 2,607th of 3,063 US counties · median $234,566
- 11th pct · 89th of 100 North Carolina counties · median $273,108
- 74th pct · 768th of 3,063 US counties · median +2.9%
- 88th pct · 12th of 100 North Carolina counties · median +1.1%
- US counties: not published this period
- North Carolina counties: not published this period
- 60th pct · 1,277th of 3,221 US counties · median 8,232
- 38th pct · 62nd of 100 North Carolina counties · median 16,739
- 40th pct · 1,916th of 3,221 US counties · median $1,039
- 53rd pct · 47th of 100 North Carolina counties · median $984
- 16th pct · 2,568th of 3,063 US counties · median 4.3
- 8th pct · 92nd 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 $146,893 (Aug 2026), +5.3% over one year, +38.6% over five
- 14th pct · 2,607th of 3,063 US counties · median $234,566
- 11th pct · 89th of 100 North Carolina counties · median $273,108
| Item | Value | Distance |
|---|---|---|
| Scotland County, NC | $146,893 · +5.3% 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 $804 a month on $146,893 at 7.28%, against an average weekly wage worth $4,320 a month: 18.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $146,893 × 80% = $117,514, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $804/mo principal and interest
- wage share = payment / (avg weekly wage $997 × 52 / 12 = $4,320) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $146,893 / ($997 × 52) = 2.8
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 #
12,573 jobs at 703 employers (2026 Q1); +1.2% jobs and -2.0% average weekly wage over the year
- 60th pct · 1,277th of 3,221 US counties · median 8,232
- 38th pct · 62nd of 100 North Carolina counties · median 16,739
| Item | Value | Distance |
|---|---|---|
| Scotland County, NC | 12,573 jobs · $997/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,838 | $1,185 | 1.50 | +0.0% |
| Manufacturing | 2,331 | $1,306 | 2.30 | -8.6% |
| Retail trade | 1,505 | $563 | 1.23 | -2.1% |
| Accommodation and food services | 1,102 | $356 | 0.98 | +6.9% |
| Administrative and waste services | 650 | $674 | 0.91 | -6.5% |
| Transportation and warehousing | 364 | $1,068 | 0.69 | +45.0% |
| Construction | 343 | $1,033 | 0.52 | +2.1% |
| Educational services | 218 | $608 | 0.81 | +0.0% |
| Finance and insurance | 185 | $1,360 | 0.36 | +0.0% |
| Other services | 158 | $611 | 0.42 | -3.7% |
| Agriculture, forestry, fishing | 122 | $999 | 1.34 | +1.7% |
| Real estate and rental | 93 | $827 | 0.48 | +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.
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 #
$431.0 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 2,523, highly concentrated. $255.0 m federal obligations in FY2026 (direct payments $247.5 m, grants $5.0 m), $20,279 per covered job
| Item | Value | Distance |
|---|---|---|
| First Bank | $165.4 m · 38.4% share · 1 office | |
| Wells Fargo Bank, National Association | $98.0 m · 22.7% share · 1 office | |
| Truist Bank | $77.1 m · 17.9% share · 1 office | |
| Scotland, NC | $255.0 m FY2026 · $20,279/job | |
| MULTIPLE RECIPIENTS | $234.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Bank | $165,396,000 | 38.4% | 1 |
| Wells Fargo Bank, National Association | $98,008,000 | 22.7% | 1 |
| Truist Bank | $77,082,000 | 17.9% | 1 |
| PNC Bank, National Association | $52,976,000 | 12.3% | 1 |
| The Citizens Bank | $33,752,000 | 7.8% | 1 |
| Woodforest National Bank | $3,806,000 | 0.9% | 1 |
Deposit concentration is 2,523 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 38.4² + 22.7² + 17.9² + … (3 more) = 2,523
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 | $196,782,740 |
| Department of Veterans Affairs | $35,867,158 |
| Department of Housing and Urban Development | $8,042,525 |
| Department of Agriculture | $4,405,077 |
| Department of Transportation | $3,619,893 |
| Department of Justice | $2,096,416 |
| Railroad Retirement Board | $1,943,560 |
| Department of Education | $1,334,419 |
| Federal Communications Commission | $424,898 |
| Department of Defense | $299,007 |
| Department of Health and Human Services | $150,764 |
| Small Business Administration | $0 |
That is $20,279 per covered job, against 12,573 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $255.0 m / 12,573 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,279
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 #
Scotland County, NC: 6 findings, 1 at a watch level and 5 noted
watchScotland County, NC's average weekly wage is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteScotland County, NC's average weekly wage was 2.0% 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
- -2 % = 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
noteScotland County, NC's covered employment was 1.2% 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
- +1.2 % = 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
noteScotland County, NC's typical home value rose 0.6% from $146,046 in July 2026 to $146,893 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (146892.9736911354 - 146045.74837831868) / 146045.74837831868 × 100
- 146892.9736911354 = Zillow ZHVI, 2026-08
- 146045.74837831868 = Zillow ZHVI, 2026-07
noteScotland County, NC's years of wages of 2.8 ranks 92nd of 100 North Carolina counties, against a median of 5.0.
Period 2026-08.Show the arithmetic
- 8 on the 0-to-100 scale across 100 North Carolina counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
Read all 6 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.