Appomattox County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.37, -78.81.
Assembled 2026-10-06. Read the brief.
- 67th pct · 1,003rd of 3,063 US counties · median $234,566
- 44th pct · 74th of 133 Virginia counties · median $307,999
- 75th pct · 2nd of 5 counties in the Lynchburg metro · median $275,574
- 92nd pct · 233rd of 3,063 US counties · median +2.9%
- 92nd pct · 11th of 133 Virginia counties · median +2.9%
- 100th pct · 1st of 5 counties in the Lynchburg metro · median +2.2%
- US counties: not published this period
- Virginia counties: not published this period
- counties in the Lynchburg metro: not published this period
- 29th pct · 2,279th of 3,221 US counties · median 8,232
- 24th pct · 101st of 133 Virginia counties · median 9,944
- 0th pct · 5th of 5 counties in the Lynchburg metro · median 18,773
- 9th pct · 2,911th of 3,221 US counties · median $1,039
- 5th pct · 126th of 133 Virginia counties · median $1,048
- 0th pct · 5th of 5 counties in the Lynchburg metro · median $995
- 85th pct · 442nd of 3,063 US counties · median 4.3
- 68th pct · 43rd of 133 Virginia counties · median 5.4
- 75th pct · 2nd of 5 counties in the Lynchburg metro · median 5.3
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 $290,505 (Aug 2026), +8.6% over one year, +32.5% over five
- 67th pct · 1,003rd of 3,063 US counties · median $234,566
- 44th pct · 74th of 133 Virginia counties · median $307,999
- 75th pct · 2nd of 5 counties in the Lynchburg metro · median $275,574
| Item | Value | Distance |
|---|---|---|
| Appomattox County, VA | $290,505 · +8.6% 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
- Virginia counties: not published this period
- counties in the Lynchburg metro: 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 $1,590 a month on $290,505 at 7.28%, against an average weekly wage worth $3,623 a month: 43.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $290,505 × 80% = $232,404, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,590/mo principal and interest
- wage share = payment / (avg weekly wage $836 × 52 / 12 = $3,623) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $290,505 / ($836 × 52) = 6.7
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 #
3,664 jobs at 517 employers (2026 Q1); +2.7% jobs and +3.7% average weekly wage over the year
- 29th pct · 2,279th of 3,221 US counties · median 8,232
- 24th pct · 101st of 133 Virginia counties · median 9,944
- 0th pct · 5th of 5 counties in the Lynchburg metro · median 18,773
| Item | Value | Distance |
|---|---|---|
| Appomattox County, VA | 3,664 jobs · $836/wk · +2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 674 | $625 | 1.89 | +0.9% |
| Construction | 460 | $1,084 | 2.39 | +18.6% |
| Accommodation and food services | 305 | $368 | 0.93 | -5.9% |
| Other services | 165 | $837 | 1.51 | +5.8% |
| Manufacturing | 109 | $879 | 0.37 | +12.4% |
| Arts, entertainment and recreation | 77 | $356 | 1.28 | +8.5% |
| Professional and technical services | 67 | $1,056 | 0.27 | +24.1% |
| Wholesale trade | 54 | $1,007 | 0.38 | +22.7% |
| Finance and insurance | 52 | $1,264 | 0.35 | +2.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
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 #
$419.9 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,062, highly concentrated. $118.4 m federal obligations in FY2026 (direct payments $115.5 m, contracts $3.3 m), $32,323 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers Bank of Appomattox | $176.8 m · 42.1% share · 2 offices | |
| Truist Bank | $117.5 m · 28.0% share · 1 office | |
| Wells Fargo Bank, National Association | $85.5 m · 20.4% share · 1 office | |
| Appomattox, VA | $118.4 m FY2026 · $32,323/job | |
| MULTIPLE RECIPIENTS | $112.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers Bank of Appomattox | $176,844,000 | 42.1% | 2 |
| Truist Bank | $117,497,000 | 28.0% | 1 |
| Wells Fargo Bank, National Association | $85,481,000 | 20.4% | 1 |
| Bank of the James | $40,101,000 | 9.5% | 1 |
Deposit concentration is 3,062 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 42.1² + 28.0² + 20.4² + … (1 more) = 3,062
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 | $99,457,239 |
| Department of Veterans Affairs | $11,519,851 |
| Department of Agriculture | $2,647,766 |
| Department of Homeland Security | $1,989,106 |
| Railroad Retirement Board | $1,139,880 |
| Department of Justice | $639,807 |
| Department of Housing and Urban Development | $592,184 |
| Department of the Interior | $427,696 |
| Department of Defense | $198,779 |
| Federal Communications Commission | $139,546 |
| Department of Transportation | -$320,959 |
That is $32,323 per covered job, against 3,664 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $118.4 m / 3,664 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,323
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 #
Appomattox County, VA: 14 findings, 14 noted
noteAppomattox County, VA's average weekly wage was 3.7% 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
- +3.7 % = 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
noteAppomattox County, VA's covered employment was 2.7% 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
- +2.7 % = 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
noteAppomattox County, VA's typical home value of +8.6% ranks 1st of 5 counties in the Lynchburg metro, against a median of +2.2%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 5 counties in the Lynchburg metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteAppomattox County, VA's average weekly wage of $836 ranks 5th of 5 counties in the Lynchburg metro, against a median of $995.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 5 counties in the Lynchburg metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteAppomattox County, VA's covered employment of 3,664 ranks 5th of 5 counties in the Lynchburg metro, against a median of 18,773.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 5 counties in the Lynchburg metro that published jobs.emp
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.