King William County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.71, -77.09.
Assembled 2026-10-06. Read the brief.
- 79th pct · 628th of 3,063 US counties · median $234,566
- 59th pct · 55th of 133 Virginia counties · median $307,999
- 50th pct · 9th of 17 counties in the Richmond metro · median $352,207
- 54th pct · 1,381st of 3,063 US counties · median +2.9%
- 59th pct · 55th of 133 Virginia counties · median +2.9%
- 50th pct · 9th of 17 counties in the Richmond metro · median +3.4%
- US counties: not published this period
- Virginia counties: not published this period
- counties in the Richmond metro: not published this period
- 33rd pct · 2,136th of 3,221 US counties · median 8,232
- 31st pct · 91st of 133 Virginia counties · median 9,944
- 25th pct · 13th of 17 counties in the Richmond metro · median 9,487
- 81st pct · 597th of 3,221 US counties · median $1,039
- 73rd pct · 36th of 133 Virginia counties · median $1,048
- 56th pct · 8th of 17 counties in the Richmond metro · median $1,211
- 70th pct · 899th of 3,063 US counties · median 4.3
- 51st pct · 65th of 133 Virginia counties · median 5.4
- 62nd pct · 7th of 17 counties in the Richmond metro · median 4.7
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 $352,207 (Aug 2026), +3.4% over one year, +29.5% over five
- 79th pct · 628th of 3,063 US counties · median $234,566
- 59th pct · 55th of 133 Virginia counties · median $307,999
- 50th pct · 9th of 17 counties in the Richmond metro · median $352,207
| Item | Value | Distance |
|---|---|---|
| King William County, VA | $352,207 · +3.4% 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 Richmond 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 $1,928 a month on $352,207 at 7.28%, against an average weekly wage worth $5,443 a month: 35.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $352,207 × 80% = $281,766, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,928/mo principal and interest
- wage share = payment / (avg weekly wage $1,256 × 52 / 12 = $5,443) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $352,207 / ($1,256 × 52) = 5.4
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 #
4,380 jobs at 504 employers (2026 Q1); +3.7% jobs and +4.3% average weekly wage over the year
- 33rd pct · 2,136th of 3,221 US counties · median 8,232
- 31st pct · 91st of 133 Virginia counties · median 9,944
- 25th pct · 13th of 17 counties in the Richmond metro · median 9,487
| Item | Value | Distance |
|---|---|---|
| King William County, VA | 4,380 jobs · $1,256/wk · +3.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 772 | $2,162 | 2.19 | +0.8% |
| Retail trade | 425 | $608 | 1.00 | +0.0% |
| Transportation and warehousing | 398 | $1,914 | 2.16 | +5.6% |
| Accommodation and food services | 332 | $384 | 0.84 | +2.5% |
| Construction | 245 | $1,114 | 1.07 | +0.0% |
| Other services | 169 | $764 | 1.29 | -9.1% |
| Administrative and waste services | 158 | $757 | 0.63 | -3.1% |
| Professional and technical services | 107 | $1,292 | 0.35 | -3.6% |
| Finance and insurance | 99 | $1,437 | 0.55 | -7.5% |
| Arts, entertainment and recreation | 70 | $278 | 0.97 | +7.7% |
| Real estate and rental | 30 | $937 | 0.45 | +15.4% |
| Information | 8 | $741 | 0.10 | +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 #
No drought class at this point (USDM covers the United States only)
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
73 gauges · 0 flooding · 11 with quality panels averaging 95 % · 11 stale
Sites found: 73, 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 |
|---|---|---|
| JAMES RIVER ABV WEYANOKE POINT NR CHARLES CITY, VA | flow 5,170 ft³/s · quality 80 % (5) · out of service · STALE | 46 km |
| MONCUIN CREEK BELOW US HWY 360 NEAR MANQUIN, VA | flow 16.6 ft³/s | 5 km |
| COHOKE MILL CREEK NEAR LESTER MANOR, VA | flow 0.85 ft³/s · STALE | 15 km |
| TOTOPOTOMOY CREEK NEAR STUDLEY, VA | flow 19.1 ft³/s | 16 km |
| MATTAPONI RIVER NEAR BEULAHVILLE, VA | flow 199.0 ft³/s · quality 100 % (5) · no flooding | 21 km |
| PAMUNKEY RIVER NEAR HANOVER, VA | flow 162.0 ft³/s · quality 100 % (5) | 22 km |
| PISCATAWAY CREEK NEAR TAPPAHANNOCK, VA | flow 5.70 ft³/s · quality 100 % (2) | 25 km |
| CHICKAHOMINY RIV AT RT 615 NR HIGHLAND SPGS, VA | stage 2.76 ft | 26 km |
| WHITE OAK SWAMP AT PORTUGEE ROAD NR ELKO, VA | stage 2.81 ft | 29 km |
| CHICKAHOMINY RIVER AT CHAMBERLAYNE RD NR ATLEE, VA | flow 47.9 ft³/s | 30 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 #
151 wells in 0 named aquifers:
Sites found: 151, 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-373737077083201 | depth 20.7 ft · 2026-10-05 | 10 km |
| USGS-374441077121802 | depth 191.1 ft · 2026-10-05 | 11 km |
| USGS-374441077121803 | depth 202.9 ft · 2026-10-05 | 11 km |
| USGS-374441077121804 | depth 192.0 ft · 2026-10-05 | 11 km |
| USGS-374441077121805 | depth 61.8 ft · 2026-10-05 | 11 km |
| USGS-373316077125203 | depth 213.9 ft · 2026-10-05 | 20 km |
| USGS-373316077125202 | depth 215.2 ft · 2026-10-05 | 20 km |
| USGS-373523076523405 | depth 99.0 ft · 2026-10-05 | 23 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.05 / 0.55
Banks & federal dollars #
$604.7 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,115, highly concentrated. $128.1 m federal obligations in FY2026 (direct payments $119.7 m, contracts $7.6 m), $29,237 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens and Farmers Bank | $247.4 m · 40.9% share · 1 office | |
| United Bank | $191.3 m · 31.6% share · 2 offices | |
| Primis Bank | $117.0 m · 19.3% share · 1 office | |
| King William, VA | $128.1 m FY2026 · $29,237/job | |
| MULTIPLE RECIPIENTS | $117.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens and Farmers Bank | $247,408,000 | 40.9% | 1 |
| United Bank | $191,326,000 | 31.6% | 2 |
| Primis Bank | $116,995,000 | 19.3% | 1 |
| Atlantic Union Bank | $49,010,000 | 8.1% | 1 |
Deposit concentration is 3,115 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 = 40.9² + 31.6² + 19.3² + … (1 more) = 3,115
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 | $101,677,174 |
| Department of Veterans Affairs | $15,164,800 |
| Department of Defense | $6,007,189 |
| Department of the Interior | $2,252,265 |
| Department of the Treasury | $646,000 |
| Department of Agriculture | $641,625 |
| Railroad Retirement Board | $574,638 |
| Department of Housing and Urban Development | $535,993 |
| Institute of Museum and Library Services | $250,000 |
| Environmental Protection Agency | $164,899 |
| Federal Communications Commission | $103,248 |
| Department of Commerce | $96,903 |
That is $29,237 per covered job, against 4,380 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $128.1 m / 4,380 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,237
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 #
King William County, VA: 8 findings, 8 noted
noteKing William County, VA's average weekly wage was 4.3% 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
- +4.3 % = 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
noteKing William County, VA's covered employment 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
noteKing William County, VA's momentum index of 0.68 ranks 8th of 133 Virginia counties, against a median of 0.26.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 133 Virginia counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteKing William County, VA's covered employment of +3.7% ranks 9th of 133 Virginia counties, against a median of -0.4%.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 133 Virginia counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteKing William County, VA's momentum index of 0.68 ranks 2nd of 17 counties in the Richmond metro, against a median of 0.41.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 17 counties in the Richmond metro that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
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.