Vance County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.37, -78.41.
Assembled 2026-10-07. Read the brief.
- 29th pct · 2,150th of 3,063 US counties · median $234,566
- 17th pct · 83rd of 100 North Carolina counties · median $273,108
- 13th pct · 2,652nd of 3,063 US counties · median +2.9%
- 11th pct · 89th of 100 North Carolina counties · median +1.1%
- 6th pct · 1,305th of 1,399 US counties · median $1,496
- 1st pct · 62nd of 63 North Carolina counties · median $1,573
- 63rd pct · 1,178th of 3,221 US counties · median 8,232
- 40th pct · 60th of 100 North Carolina counties · median 16,739
- 35th pct · 2,085th of 3,221 US counties · median $1,039
- 46th pct · 53rd of 100 North Carolina counties · median $984
- 34th pct · 1,997th of 3,063 US counties · median 4.3
- 20th pct · 80th 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 $183,269 (Aug 2026), -1.3% over one year, +14.5% over five
- 29th pct · 2,150th of 3,063 US counties · median $234,566
- 17th pct · 83rd of 100 North Carolina counties · median $273,108
| Item | Value | Distance |
|---|---|---|
| Vance County, NC | $183,269 · -1.3% 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 #
Typical rent $973/mo (Aug 2026), -1.8% over one year; price-to-rent 15.7
- 6th pct · 1,305th of 1,399 US counties · median $1,496
- 1st pct · 62nd of 63 North Carolina counties · median $1,573
| Item | Value | Distance |
|---|---|---|
| Vance County, NC | $973/mo · -1.8% 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 $1,003 a month on $183,269 at 7.28%, against an average weekly wage worth $4,212 a month: 23.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $183,269 × 80% = $146,615, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,003/mo principal and interest
- wage share = payment / (avg weekly wage $972 × 52 / 12 = $4,212) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $183,269 / ($972 × 52) = 3.6
- price-to-rent = $183,269 / ($973 × 12) = 15.7
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 #
14,252 jobs at 956 employers (2026 Q1); +0.4% jobs and +4.2% average weekly wage over the year
- 63rd pct · 1,178th of 3,221 US counties · median 8,232
- 40th pct · 60th of 100 North Carolina counties · median 16,739
| Item | Value | Distance |
|---|---|---|
| Vance County, NC | 14,252 jobs · $972/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,297 | $957 | 1.07 | -3.0% |
| Retail trade | 1,985 | $677 | 1.43 | -1.4% |
| Transportation and warehousing | 1,693 | $950 | 2.82 | -2.5% |
| Manufacturing | 1,565 | $1,401 | 1.36 | +9.2% |
| Accommodation and food services | 1,277 | $362 | 1.00 | -4.4% |
| Administrative and waste services | 526 | $790 | 0.65 | -3.0% |
| Wholesale trade | 466 | $1,847 | 0.85 | +0.4% |
| Educational services | 433 | $850 | 1.41 | +1.4% |
| Professional and technical services | 317 | $1,495 | 0.32 | +14.4% |
| Other services | 241 | $748 | 0.57 | +4.3% |
| Arts, entertainment and recreation | 208 | $234 | 0.89 | +1.0% |
| Real estate and rental | 189 | $1,088 | 0.86 | +9.9% |
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 |
|---|---|---|
| BEAVERDAM CREEK AT DAM NEAR CREEDMOOR, NC | 248.5 ft (USGS, no capacity on file) | 46 km |
| FALLS LAKE ABOVE DAM NR FALLS, NC | 246.5 ft (USGS, no capacity on file) | 50 km |
| AFTERBAY RESERVOIR AT DAM NR MCGEHEES MILL, NC | 364.6 ft (USGS, no capacity on file) | 56 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 8.00 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) | 99 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 #
113 gauges · 0 flooding · 4 with quality panels averaging 100 % · 24 stale
Sites found: 113, 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 |
|---|---|---|
| Fishing Creek at US-401 Near Warrenton | out of service | 21 km |
| DEVILS CRADLE CREEK AT SR1412 NEAR ALERT, NC | flow 12.0 ft³/s · STALE | 24 km |
| TAR RIVER NEAR TAR RIVER, NC | flow 2.09 ft³/s · no flooding | 25 km |
| Roanoke River at John H. Kerr Dam | no flooding | 28 km |
| ROANOKE RIVER AT BUGGS ISLAND, VA | stage 6.43 ft · quality 100 % (4) | 28 km |
| TAR R AT US 401 AT LOUISBURG, NC | flow 5.74 ft³/s · no flooding | 32 km |
| ALLEN CREEK NEAR BOYDTON, VA | flow 2.13 ft³/s · no flooding | 36 km |
| KNAP OF REEDS CREEK NEAR BUTNER, NC | flow 9.24 ft³/s · no flooding | 44 km |
| FLAT RIVER AT DAM NEAR BAHAMA, NC | flow 3.41 ft³/s · no flooding | 45 km |
| Beaverdam Creek (NC) near Creedmore | no flooding | 46 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 #
25 wells in 0 named aquifers:
Sites found: 25, 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-363600078181601 | depth 30.2 ft · 1993-10-27 | 28 km |
| USGS-360352078414401 | depth 33.0 ft · 2026-10-05 | 42 km |
| USGS-364157078392201 | depth 29.9 ft · 2026-10-06 | 43 km |
| USGS-362458078562601 | depth 24.9 ft · 2013-05-08 | 48 km |
| USGS-362454078562901 | depth 21.9 ft · 2013-05-08 | 48 km |
| USGS-362515078562701 | depth 25.2 ft · 2013-05-08 | 48 km |
| USGS-355657078342601 | depth 45.0 ft · 2026-10-05 | 49 km |
| USGS-355457078232701 | depth 10.7 ft · 2026-10-05 | 50 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 #
$447.0 m in deposits at 7 offices of 7 banks (SOD June 2026); HHI 1,945, highly concentrated. $323.9 m federal obligations in FY2026 (direct payments $288.4 m, contracts $34.7 m), $22,729 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $122.3 m · 27.4% share · 1 office | |
| First-Citizens Bank & Trust Company | $100.2 m · 22.4% share · 1 office | |
| Benchmark Community Bank | $71.6 m · 16.0% share · 1 office | |
| Vance, NC | $323.9 m FY2026 · $22,729/job | |
| MULTIPLE RECIPIENTS | $273.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $122,341,000 | 27.4% | 1 |
| First-Citizens Bank & Trust Company | $100,185,000 | 22.4% | 1 |
| Benchmark Community Bank | $71,649,000 | 16.0% | 1 |
| PNC Bank, National Association | $71,450,000 | 16.0% | 1 |
| First National Bank of Pennsylvania | $55,662,000 | 12.5% | 1 |
| Carter Bank & Trust | $22,907,000 | 5.1% | 1 |
| Woodforest National Bank | $2,826,000 | 0.6% | 1 |
Deposit concentration is 1,945 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 = 27.4² + 22.4² + 16.0² + … (4 more) = 1,945
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 | $242,217,901 |
| Department of Veterans Affairs | $30,315,897 |
| Department of Education | $28,685,448 |
| Department of Labor | $11,912,808 |
| Department of Housing and Urban Development | $6,159,563 |
| Department of Agriculture | $3,079,680 |
| Department of Health and Human Services | $1,008,287 |
| Federal Communications Commission | $917,278 |
| Railroad Retirement Board | $724,527 |
| Department of Transportation | $515,159 |
| General Services Administration | $44,873 |
| Department of Justice | $25,239 |
That is $22,729 per covered job, against 14,252 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $323.9 m / 14,252 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,729
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 #
Vance County, NC: 8 findings, 1 at a watch level and 7 noted
watchVance County, NC's typical home value is -1.3% 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 = -1.2754400668037595 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteVance County, NC's average weekly wage was 4.2% 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
- +4.2 % = 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
noteVance County, NC's covered employment was 0.4% 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
- +0.4 % = 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
noteVance County, NC's typical asking rent of $973 ranks 62nd of 63 North Carolina counties, against a median of $1,573.
Period 2026-08.Show the arithmetic
- 2 on the 0-to-100 scale across 63 North Carolina counties that published rent.latest
position among the entities that published this metric this period; not an official level
noteVance County, NC's typical asking rent of $973 ranks 1,305th of 1,399 US counties, against a median of $1,496.
Period 2026-08.Show the arithmetic
- 7 on the 0-to-100 scale across 1399 US counties that published rent.latest
position among the entities that published this metric this period; not an official level
Read all 8 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.