Floyd County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.93, -80.35.
Assembled 2026-10-06. Read the brief.
- 62nd pct · 1,136th of 3,063 US counties · median $234,566
- 37th pct · 84th of 133 Virginia counties · median $307,999
- 75th pct · 2nd of 5 counties in the Blacksburg-Christiansburg-Radford metro · median $263,403
- 98th pct · 53rd of 3,063 US counties · median +2.9%
- 99th pct · 2nd of 133 Virginia counties · median +2.9%
- 100th pct · 1st of 5 counties in the Blacksburg-Christiansburg-Radford metro · median +5.1%
- US counties: not published this period
- Virginia counties: not published this period
- counties in the Blacksburg-Christiansburg-Radford metro: not published this period
- 30th pct · 2,230th of 3,221 US counties · median 8,232
- 25th pct · 99th of 133 Virginia counties · median 9,944
- 0th pct · 5th of 5 counties in the Blacksburg-Christiansburg-Radford metro · median 6,604
- 7th pct · 2,982nd of 3,221 US counties · median $1,039
- 3rd pct · 128th of 133 Virginia counties · median $1,048
- 0th pct · 5th of 5 counties in the Blacksburg-Christiansburg-Radford metro · median $998
- 84th pct · 480th of 3,063 US counties · median 4.3
- 65th pct · 46th of 133 Virginia counties · median 5.4
- 100th pct · 1st of 5 counties in the Blacksburg-Christiansburg-Radford metro · median 5.1
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 $275,057 (Aug 2026), +12.4% over one year, +30.6% over five
- 62nd pct · 1,136th of 3,063 US counties · median $234,566
- 37th pct · 84th of 133 Virginia counties · median $307,999
- 75th pct · 2nd of 5 counties in the Blacksburg-Christiansburg-Radford metro · median $263,403
| Item | Value | Distance |
|---|---|---|
| Floyd County, VA | $275,057 · +12.4% 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 Blacksburg-Christiansburg-Radford 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 $1,506 a month on $275,057 at 7.28%, against an average weekly wage worth $3,506 a month: 42.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $275,057 × 80% = $220,046, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,506/mo principal and interest
- wage share = payment / (avg weekly wage $809 × 52 / 12 = $3,506) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $275,057 / ($809 × 52) = 6.5
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 #
3,894 jobs at 506 employers (2026 Q1); +2.6% jobs and +3.2% average weekly wage over the year
- 30th pct · 2,230th of 3,221 US counties · median 8,232
- 25th pct · 99th of 133 Virginia counties · median 9,944
- 0th pct · 5th of 5 counties in the Blacksburg-Christiansburg-Radford metro · median 6,604
| Item | Value | Distance |
|---|---|---|
| Floyd County, VA | 3,894 jobs · $809/wk · +2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 930 | $706 | 1.59 | +0.6% |
| Retail trade | 408 | $535 | 1.08 | -1.2% |
| Manufacturing | 371 | $1,065 | 1.18 | -4.1% |
| Construction | 367 | $978 | 1.80 | +16.1% |
| Accommodation and food services | 259 | $386 | 0.74 | +9.7% |
| Other services | 183 | $1,008 | 1.57 | -3.7% |
| Administrative and waste services | 135 | $692 | 0.61 | +22.7% |
| Professional and technical services | 106 | $1,219 | 0.39 | +10.4% |
| Finance and insurance | 76 | $1,253 | 0.48 | +2.7% |
| Wholesale trade | 50 | $1,657 | 0.34 | +51.5% |
| Educational services | 50 | $594 | 0.60 | +8.7% |
| Arts, entertainment and recreation | 27 | $503 | 0.42 | +3.8% |
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 #
D0 abnormally dry
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 |
|---|---|---|
| LITTLE RIVER RESERVOIR NEAR RADFORD, VA | 231.0 Acre-ft (USGS, no capacity on file) | 26 km |
| W. KERR SCOTT RESERVOIR AT DAM NR WILKESBORO, NC | 30.0 ft (USGS, no capacity on file) | 118 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 8.00 ft (USGS, no capacity on file) | 125 km |
| AFTERBAY RESERVOIR AT DAM NR MCGEHEES MILL, NC | 364.6 ft (USGS, no capacity on file) | 129 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 #
72 gauges · 0 flooding · 25 with quality panels averaging 99 % · 26 stale
Sites found: 72, 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 |
|---|---|---|
| ROANOKE RIVER AT THIRTEENTH ST BR AT ROANOKE, VA | stage 3.12 ft · quality 80 % (5) · STALE | 53 km |
| VA087-03169244 | stage 2.17 ft | 3 km |
| VA087-03169378 | stage 2.02 ft | 10 km |
| VA087-03169055 | stage 1.87 ft | 16 km |
| VA087-03169771 | stage 1.37 ft | 16 km |
| SMITH RIVER AT SMITH RIV CHURCH NR WOOLWINE, VA | flow 19.2 ft³/s | 19 km |
| VA087-03167317 | stage 2.11 ft | 21 km |
| VA087-03167217 | stage 1.87 ft | 22 km |
| LITTLE RIVER AT GRAYSONTOWN, VA | flow 201.0 ft³/s | 22 km |
| GOOSE CREEK AT RT 653 NEAR CROCKETT SPRING, VA | flow 12.3 ft³/s | 22 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-370812080261901 | depth 5.59 ft · 2026-10-05 | 24 km |
| USGS-364732080070301 | depth 24.1 ft · 2026-10-05 | 26 km |
| USGS-371719080372901 | depth 102.1 ft · 2026-10-05 | 47 km |
| USGS-372223080234801 | depth 44.4 ft · 2026-10-05 | 49 km |
| USGS-371653079552101 | depth 18.7 ft · 2026-10-05 | 54 km |
| USGS-372603079553301 | depth 31.7 ft · 2026-10-05 | 67 km |
| USGS-373234080320101 | depth 88.8 ft · 2026-10-05 | 70 km |
| USGS-372150079422301 | depth 41.5 ft · 2026-10-05 | 75 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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.01 / 0.55
Banks & federal dollars #
$318.9 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 3,774, highly concentrated. $115.3 m federal obligations in FY2026 (direct payments $112.4 m, contracts $2.9 m), $29,621 per covered job
| Item | Value | Distance |
|---|---|---|
| SKYLINE NATIONAL BANK | $160.9 m · 50.5% share · 2 offices | |
| Atlantic Union Bank | $79.9 m · 25.1% share · 1 office | |
| Carter Bank & Trust | $78.0 m · 24.5% share · 1 office | |
| Floyd, VA | $115.3 m FY2026 · $29,621/job | |
| MULTIPLE RECIPIENTS | $109.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| SKYLINE NATIONAL BANK | $160,939,000 | 50.5% | 2 |
| Atlantic Union Bank | $79,931,000 | 25.1% | 1 |
| Carter Bank & Trust | $78,023,000 | 24.5% | 1 |
Deposit concentration is 3,774 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 50.5² + 25.1² + 24.5² = 3,774
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 | $99,036,191 |
| Department of Veterans Affairs | $8,949,064 |
| Department of Transportation | $2,782,281 |
| Department of Agriculture | $2,424,926 |
| Railroad Retirement Board | $1,705,881 |
| Federal Communications Commission | $331,702 |
| Department of Homeland Security | $101,282 |
| Department of Health and Human Services | $13,030 |
| Department of the Interior | $0 |
| Small Business Administration | $0 |
That is $29,621 per covered job, against 3,894 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $115.3 m / 3,894 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,621
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 #
Floyd County, VA: 16 findings, 16 noted
noteFloyd County, VA's average weekly wage was 3.2% 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
- +3.2 % = 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
noteFloyd County, VA's covered employment was 2.6% 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
- +2.6 % = 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
noteFloyd County, VA's typical home value fell 0.3% from $275,974 in July 2026 to $275,057 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (275057.1125756641 - 275974.4412989768) / 275974.4412989768 × 100
- 275057.1125756641 = Zillow ZHVI, 2026-08
- 275974.4412989768 = Zillow ZHVI, 2026-07
noteFloyd County, VA's typical home value of +12.4% ranks 1st of 5 counties in the Blacksburg-Christiansburg-Radford metro, against a median of +5.1%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 5 counties in the Blacksburg-Christiansburg-Radford metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteFloyd County, VA's average weekly wage of $809 ranks 5th of 5 counties in the Blacksburg-Christiansburg-Radford metro, against a median of $998.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 5 counties in the Blacksburg-Christiansburg-Radford metro that published jobs.avgWeeklyWage
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.