Charlotte County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.01, -78.66.
Assembled 2026-10-06. Read the brief.
- 36th pct · 1,948th of 3,063 US counties · median $234,566
- 20th pct · 106th of 133 Virginia counties · median $307,999
- 97th pct · 87th of 3,063 US counties · median +2.9%
- 97th pct · 4th of 133 Virginia counties · median +2.9%
- US counties: not published this period
- Virginia counties: not published this period
- 21st pct · 2,523rd of 3,221 US counties · median 8,232
- 11th pct · 118th of 133 Virginia counties · median 9,944
- 19th pct · 2,580th of 3,221 US counties · median $1,039
- 15th pct · 112th of 133 Virginia counties · median $1,048
- 48th pct · 1,581st of 3,063 US counties · median 4.3
- 31st pct · 91st of 133 Virginia counties · median 5.4
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 $198,191 (Aug 2026), +11.0% over one year, +23.2% over five
- 36th pct · 1,948th of 3,063 US counties · median $234,566
- 20th pct · 106th of 133 Virginia counties · median $307,999
| Item | Value | Distance |
|---|---|---|
| Charlotte County, VA | $198,191 · +11.0% 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
- Virginia 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 $1,085 a month on $198,191 at 7.28%, against an average weekly wage worth $3,913 a month: 27.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $198,191 × 80% = $158,553, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,085/mo principal and interest
- wage share = payment / (avg weekly wage $903 × 52 / 12 = $3,913) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $198,191 / ($903 × 52) = 4.2
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 #
2,656 jobs at 434 employers (2026 Q1); -4.4% jobs and -2.7% average weekly wage over the year
- 21st pct · 2,523rd of 3,221 US counties · median 8,232
- 11th pct · 118th of 133 Virginia counties · median 9,944
| Item | Value | Distance |
|---|---|---|
| Charlotte County, VA | 2,656 jobs · $903/wk · -4.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 414 | $1,067 | 1.94 | -14.3% |
| Retail trade | 240 | $556 | 0.93 | +6.2% |
| Transportation and warehousing | 145 | $1,193 | 1.30 | -21.2% |
| Construction | 133 | $1,063 | 0.96 | +14.7% |
| Wholesale trade | 92 | $1,426 | 0.90 | +2.2% |
| Administrative and waste services | 75 | $630 | 0.50 | +10.3% |
| Accommodation and food services | 48 | $384 | 0.20 | -26.2% |
| Finance and insurance | 43 | $976 | 0.40 | -10.4% |
| Other services | 29 | $367 | 0.37 | -17.1% |
| Arts, entertainment and recreation | 25 | $868 | 0.57 | +0.0% |
| Real estate and rental | 11 | $742 | 0.27 | +37.5% |
| Information | 9 | $2,738 | 0.18 | +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 #
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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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) | 62 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 8.01 ft (USGS, no capacity on file) | 65 km |
| BEAVERDAM CREEK AT DAM NEAR CREEDMOOR, NC | 248.5 ft (USGS, no capacity on file) | 110 km |
| FALLS LAKE ABOVE DAM NR FALLS, NC | 246.6 ft (USGS, no capacity on file) | 119 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 #
27 gauges · 0 flooding · 7 with quality panels averaging 95 % · 3 stale
Sites found: 27, 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 |
|---|---|---|
| CUB CREEK AT PHENIX, VA | flow 28.9 ft³/s | 12 km |
| ROANOKE (STAUNTON) RIVER AT RANDOLPH, VA | flow 608.0 ft³/s | 13 km |
| ROANOKE (STAUNTON) RIVER AT BROOKNEAL, VA | flow 610.0 ft³/s | 26 km |
| NORTH MEHERRIN RIVER NEAR LUNENBURG, VA | flow 6.19 ft³/s | 27 km |
| FALLING RIVER NEAR NARUNA, VA | flow 21.4 ft³/s | 30 km |
| BUFFALO CREEK NEAR HAMPDEN SYDNEY, VA | flow 18.4 ft³/s | 32 km |
| BANISTER RIVER AT HALIFAX, VA | flow 22.0 ft³/s | 35 km |
| APPOMATTOX RIVER AT FARMVILLE, VA | flow 82.3 ft³/s | 41 km |
| DAN RIVER AT SOUTH BOSTON, VA | flow 388.0 ft³/s | 41 km |
| HOLIDAY CREEK NEAR ANDERSONVILLE, VA | flow 1.99 ft³/s · quality 100 % (1) | 45 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 #
12 wells in 0 named aquifers:
Sites found: 12, 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-364157078392201 | depth 30.1 ft · 2026-10-05 | 34 km |
| USGS-372053078493801 | depth 1.79 ft · 2026-10-05 | 41 km |
| USGS-371122078114401 | depth 19.4 ft · 2026-10-05 | 46 km |
| USGS-372608078404601 | depth 32.1 ft · 2026-10-05 | 47 km |
| USGS-363600078181601 | depth 30.2 ft · 1993-10-27 | 55 km |
| USGS-364644079195401 | depth 18.7 ft · 2026-10-05 | 65 km |
| USGS-364218078015701 | depth 26.0 ft · 2026-10-05 | 65 km |
| USGS-373146078161201 | depth 35.3 ft · 2026-10-05 | 67 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 (0.34)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.05 / 0.55
Banks & federal dollars #
$193.0 m in deposits at 5 offices of 2 banks (SOD June 2026); HHI 5,861, highly concentrated. $94.8 m federal obligations in FY2026 (direct payments $88.4 m, grants $6.4 m), $35,709 per covered job
| Item | Value | Distance |
|---|---|---|
| The Bank of Charlotte County | $136.6 m · 70.7% share · 4 offices | |
| Truist Bank | $56.5 m · 29.3% share · 1 office | |
| Charlotte, VA | $94.8 m FY2026 · $35,709/job | |
| MULTIPLE RECIPIENTS | $86.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Bank of Charlotte County | $136,578,000 | 70.7% | 4 |
| Truist Bank | $56,470,000 | 29.3% | 1 |
Deposit concentration is 5,861 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 = 70.7² + 29.3² = 5,861
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 | $73,951,680 |
| Department of Veterans Affairs | $10,809,068 |
| Department of Transportation | $6,376,811 |
| Department of Agriculture | $2,075,816 |
| Railroad Retirement Board | $1,580,474 |
| Federal Communications Commission | $48,807 |
That is $35,709 per covered job, against 2,656 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $94.8 m / 2,656 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,709
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 #
Charlotte County, VA: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertCharlotte County, VA's covered employment is -4.4% 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 = -4.4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchCharlotte County, VA's covered employment is -4.4% 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 = -4.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCharlotte County, VA's average weekly wage is -2.7% 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 = -2.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteCharlotte County, VA's covered employment was 4.4% 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
- -4.4 % = 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
noteCharlotte County, VA's average weekly wage was 2.7% 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
- -2.7 % = 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
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.