Lunenburg County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.95, -78.24.
Assembled 2026-10-07. Read the brief.
- 14th pct · 2,633rd of 3,063 US counties · median $234,566
- 8th pct · 122nd of 133 Virginia counties · median $307,999
- 21st pct · 2,414th of 3,063 US counties · median +2.9%
- 6th pct · 125th of 133 Virginia counties · median +2.9%
- US counties: not published this period
- Virginia counties: not published this period
- 19th pct · 2,602nd of 3,221 US counties · median 8,232
- 9th pct · 121st of 133 Virginia counties · median 9,944
- 17th pct · 2,668th of 3,221 US counties · median $1,039
- 13th pct · 115th of 133 Virginia counties · median $1,048
- 23rd pct · 2,357th of 3,063 US counties · median 4.3
- 12th pct · 117th 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 $144,706 (Aug 2026), +0.0% over one year, +13.0% over five
- 14th pct · 2,633rd of 3,063 US counties · median $234,566
- 8th pct · 122nd of 133 Virginia counties · median $307,999
| Item | Value | Distance |
|---|---|---|
| Lunenburg County, VA | $144,706 · +0.0% 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 $792 a month on $144,706 at 7.28%, against an average weekly wage worth $3,848 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $144,706 × 80% = $115,765, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $792/mo principal and interest
- wage share = payment / (avg weekly wage $888 × 52 / 12 = $3,848) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $144,706 / ($888 × 52) = 3.1
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 #
2,353 jobs at 360 employers (2026 Q1); +0.9% jobs and +2.0% average weekly wage over the year
- 19th pct · 2,602nd of 3,221 US counties · median 8,232
- 9th pct · 121st of 133 Virginia counties · median 9,944
| Item | Value | Distance |
|---|---|---|
| Lunenburg County, VA | 2,353 jobs · $888/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 277 | $1,033 | 1.46 | -8.0% |
| Retail trade | 183 | $522 | 0.80 | +1.1% |
| Construction | 115 | $1,225 | 0.93 | +11.7% |
| Other services | 56 | $502 | 0.80 | +12.0% |
| Agriculture, forestry, fishing | 42 | $1,184 | 2.47 | -30.0% |
| Wholesale trade | 42 | $1,345 | 0.47 | -14.3% |
| Professional and technical services | 38 | $796 | 0.23 | +5.6% |
| Transportation and warehousing | 36 | $949 | 0.36 | +16.1% |
| Unclassified | 12 | $920 | 2.40 | +0.0% |
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | 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 #
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) | 82 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 8.00 ft (USGS, no capacity on file) | 87 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 | 246.5 ft (USGS, no capacity on file) | 116 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 #
41 gauges · 0 flooding · 3 with quality panels averaging 100 % · 2 stale
Sites found: 41, 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 |
|---|---|---|
| NORTH MEHERRIN RIVER NEAR LUNENBURG, VA | flow 4.56 ft³/s · no flooding | 11 km |
| Nottoway River at Nottoway Falls Reservoir | no readings | 14 km |
| MEHERRIN RIVER AT RT 637 NEAR SOUTH HILL, VA | flow 46.4 ft³/s | 21 km |
| Little Nottoway River at Rt 49 near Crewe | no readings | 23 km |
| Crystal Lake Dam near Nottoway Court House | no readings | 24 km |
| ALLEN CREEK NEAR BOYDTON, VA | flow 2.13 ft³/s · no flooding | 31 km |
| Deep Creek at Rt 611 near Denaro | no readings | 34 km |
| ROANOKE RIVER AT BUGGS ISLAND, VA | stage 6.43 ft · quality 100 % (4) | 38 km |
| Roanoke River at John H. Kerr Dam | no flooding | 39 km |
| NOTTOWAY RIVER NEAR RAWLINGS, VA | flow 83.4 ft³/s · no flooding | 39 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-371122078114401 | depth 19.4 ft · 2026-10-05 | 27 km |
| USGS-364218078015701 | depth 26.0 ft · 2026-10-05 | 33 km |
| USGS-363600078181601 | depth 30.2 ft · 1993-10-27 | 39 km |
| USGS-364157078392201 | depth 29.9 ft · 2026-10-06 | 46 km |
| USGS-373146078161201 | depth 35.3 ft · 2026-10-05 | 65 km |
| USGS-372608078404601 | depth 32.2 ft · 2026-10-06 | 67 km |
| USGS-372053078493801 | depth 1.79 ft · 2026-10-05 | 69 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$184.1 m in deposits at 3 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $80.2 m federal obligations in FY2026 (direct payments $77.8 m, grants $2.3 m), $34,063 per covered job
| Item | Value | Distance |
|---|---|---|
| Benchmark Community Bank | $184.1 m · 100.0% share · 3 offices | |
| Lunenburg, VA | $80.2 m FY2026 · $34,063/job | |
| MULTIPLE RECIPIENTS | $75.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Benchmark Community Bank | $184,129,000 | 100.0% | 3 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $66,513,350 |
| Department of Veterans Affairs | $7,577,183 |
| Department of Health and Human Services | $2,576,854 |
| Department of Agriculture | $1,910,153 |
| Railroad Retirement Board | $1,674,610 |
| Federal Communications Commission | $181,096 |
| Department of Transportation | -$282,184 |
That is $34,063 per covered job, against 2,353 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $80.2 m / 2,353 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,063
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Lunenburg County, VA: 8 findings, 8 noted
noteLunenburg County, VA's average weekly wage was 2.0% 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 % = 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
noteLunenburg County, VA's covered employment was 0.9% 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
- +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
noteLunenburg County, VA's typical home value fell 0.8% from $145,857 in July 2026 to $144,706 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.8% = (144706.4541663174 - 145856.54409223015) / 145856.54409223015 × 100
- 144706.4541663174 = Zillow ZHVI, 2026-08
- 145856.54409223015 = Zillow ZHVI, 2026-07
noteLunenburg County, VA's typical home value of +0.0% ranks 125th of 133 Virginia counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 6 on the 0-to-100 scale across 133 Virginia counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteLunenburg County, VA's typical home value of $144,706 ranks 122nd of 133 Virginia counties, against a median of $307,999.
Period 2026-08.Show the arithmetic
- 8 on the 0-to-100 scale across 133 Virginia counties that published home.latest
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.