Louisa County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.97, -77.96.
Assembled 2026-10-06. Read the brief.
- 88th pct · 364th of 3,063 US counties · median $234,566
- 77th pct · 31st of 133 Virginia counties · median $307,999
- 47th pct · 1,600th of 3,063 US counties · median +2.9%
- 46th pct · 72nd of 133 Virginia counties · median +2.9%
- US counties: not published this period
- Virginia counties: not published this period
- 55th pct · 1,427th of 3,221 US counties · median 8,232
- 51st pct · 65th of 133 Virginia counties · median 9,944
- 80th pct · 630th of 3,221 US counties · median $1,039
- 72nd pct · 37th of 133 Virginia counties · median $1,048
- 84th pct · 487th of 3,063 US counties · median 4.3
- 64th pct · 48th 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 $420,834 (Aug 2026), +2.7% over one year, +28.1% over five
- 88th pct · 364th of 3,063 US counties · median $234,566
- 77th pct · 31st of 133 Virginia counties · median $307,999
| Item | Value | Distance |
|---|---|---|
| Louisa County, VA | $420,834 · +2.7% 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 $2,304 a month on $420,834 at 7.28%, against an average weekly wage worth $5,382 a month: 42.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $420,834 × 80% = $336,667, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,304/mo principal and interest
- wage share = payment / (avg weekly wage $1,242 × 52 / 12 = $5,382) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $420,834 / ($1,242 × 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 #
10,312 jobs at 1,077 employers (2026 Q1); -0.9% jobs and -0.4% average weekly wage over the year
- 55th pct · 1,427th of 3,221 US counties · median 8,232
- 51st pct · 65th of 133 Virginia counties · median 9,944
| Item | Value | Distance |
|---|---|---|
| Louisa County, VA | 10,312 jobs · $1,242/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 1,196 | $1,165 | 2.75 | +0.0% |
| Retail trade | 1,134 | $636 | 1.13 | -2.6% |
| Construction | 1,039 | $1,617 | 1.92 | +0.2% |
| Manufacturing | 1,024 | $1,273 | 1.23 | +0.0% |
| Utilities | 967 | $2,946 | 23.74 | -11.6% |
| Accommodation and food services | 720 | $484 | 0.78 | +4.2% |
| Administrative and waste services | 444 | $1,047 | 0.76 | -0.7% |
| Other services | 253 | $791 | 0.82 | +21.1% |
| Professional and technical services | 237 | $1,767 | 0.33 | -20.2% |
| Wholesale trade | 230 | $1,768 | 0.58 | +0.0% |
| Finance and insurance | 153 | $1,784 | 0.36 | -1.9% |
| Real estate and rental | 135 | $583 | 0.85 | +2.3% |
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 #
55 gauges · 0 flooding · 10 with quality panels averaging 97 % · 10 stale
Sites found: 55, 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 |
|---|---|---|
| N ANNA RIVER AT RT 669 NR MONROVIA, VA | flow 6.28 ft³/s · quality 100 % (5) | 19 km |
| PAMUNKEY CREEK AT RT 651 NEAR LAHORE, VA | flow 23.6 ft³/s · quality 100 % (5) | 20 km |
| NORTH ANNA RIVER NEAR PARTLOW, VA | flow 36.2 ft³/s | 23 km |
| TERRYS RUN NEAR TATUM, VA | flow 8.52 ft³/s | 24 km |
| SOUTH ANNA RIVER NEAR GORDONSVILLE, VA | flow 0.51 ft³/s | 27 km |
| RIVANNA RIVER AT PALMYRA, VA | flow 183.0 ft³/s | 30 km |
| JAMES RIVER AT CARTERSVILLE, VA | flow 953.0 ft³/s · quality 100 % (5) | 35 km |
| PO RIVER NEAR SPOTSYLVANIA, VA | flow 39.6 ft³/s | 39 km |
| LITTLE RIVER NEAR DOSWELL, VA | flow 17.6 ft³/s · quality 100 % (2) | 41 km |
| ROBINSON RIVER NEAR LOCUST DALE, VA | flow 55.0 ft³/s | 41 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 #
15 wells in 0 named aquifers:
Sites found: 15, 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-381002078094201 | depth 35.5 ft · 2026-10-05 | 28 km |
| USGS-373146078161201 | depth 35.3 ft · 2026-10-05 | 56 km |
| USGS-382859077474201 | depth 19.1 ft · 2026-10-05 | 59 km |
| USGS-373924077223001 | depth 176.8 ft · 2026-10-05 | 62 km |
| USGS-373924077223002 | depth 176.4 ft · 2026-10-05 | 62 km |
| USGS-373924077223003 | depth 14.6 ft · 2026-10-05 | 62 km |
| USGS-373428077233001 | depth 195.0 ft · 1992-03-25 | 67 km |
| USGS-383455077463101 | depth 13.3 ft · 2021-09-28 | 70 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$471.6 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,501, highly concentrated. $292.5 m federal obligations in FY2026 (direct payments $288.3 m, contracts $3.6 m), $28,369 per covered job
| Item | Value | Distance |
|---|---|---|
| Blue Ridge Bank, National Association | $137.9 m · 29.2% share · 2 offices | |
| United Bank | $121.3 m · 25.7% share · 1 office | |
| Wells Fargo Bank, National Association | $119.6 m · 25.4% share · 1 office | |
| Louisa, VA | $292.5 m FY2026 · $28,369/job | |
| MULTIPLE RECIPIENTS | $287.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Blue Ridge Bank, National Association | $137,900,000 | 29.2% | 2 |
| United Bank | $121,309,000 | 25.7% | 1 |
| Wells Fargo Bank, National Association | $119,566,000 | 25.4% | 1 |
| Truist Bank | $86,990,000 | 18.4% | 1 |
| Woodforest National Bank | $5,824,000 | 1.2% | 1 |
Deposit concentration is 2,501 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 29.2² + 25.7² + 25.4² + … (2 more) = 2,501
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 | $249,897,011 |
| Department of Veterans Affairs | $36,564,399 |
| Department of Defense | $3,486,247 |
| Railroad Retirement Board | $1,214,042 |
| Department of Transportation | $831,692 |
| Department of Housing and Urban Development | $390,005 |
| Department of Agriculture | $325,419 |
| Department of Health and Human Services | $89,000 |
| Department of Justice | $3,898 |
| Department of the Interior | $0 |
| Department of Education | -$8,400 |
| Department of Homeland Security | -$249,784 |
That is $28,369 per covered job, against 10,312 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $292.5 m / 10,312 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,369
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 #
Louisa County, VA: 5 findings, 2 at a watch level and 3 noted
watchLouisa County, VA's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLouisa County, VA's average weekly wage is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteLouisa County, VA's covered employment was 0.9% 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
- -0.9 % = 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
noteLouisa County, VA's average weekly wage was 0.4% 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
- -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
noteThe next Zillow ZHVI typical home value (monthly) covering Louisa County, VA is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.