Northampton County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.30, -75.92.
Assembled 2026-10-06. Read the brief.
- 71st pct · 866th of 3,063 US counties · median $234,566
- 51st pct · 65th of 133 Virginia counties · median $307,999
- 76th pct · 707th of 3,063 US counties · median +2.9%
- 81st pct · 25th of 133 Virginia counties · median +2.9%
- US counties: not published this period
- Virginia counties: not published this period
- 33rd pct · 2,142nd of 3,221 US counties · median 8,232
- 31st pct · 92nd of 133 Virginia counties · median 9,944
- 10th pct · 2,894th of 3,221 US counties · median $1,039
- 7th pct · 123rd of 133 Virginia counties · median $1,048
- 89th pct · 333rd of 3,063 US counties · median 4.3
- 76th pct · 32nd 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 $311,977 (Aug 2026), +5.6% over one year, +34.0% over five
- 71st pct · 866th of 3,063 US counties · median $234,566
- 51st pct · 65th of 133 Virginia counties · median $307,999
| Item | Value | Distance |
|---|---|---|
| Northampton County, VA | $311,977 · +5.6% 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 $1,708 a month on $311,977 at 7.28%, against an average weekly wage worth $3,640 a month: 46.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $311,977 × 80% = $249,582, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,708/mo principal and interest
- wage share = payment / (avg weekly wage $840 × 52 / 12 = $3,640) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $311,977 / ($840 × 52) = 7.1
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 #
4,349 jobs at 586 employers (2026 Q1); +1.9% jobs and +3.2% average weekly wage over the year
- 33rd pct · 2,142nd of 3,221 US counties · median 8,232
- 31st pct · 92nd of 133 Virginia counties · median 9,944
| Item | Value | Distance |
|---|---|---|
| Northampton County, VA | 4,349 jobs · $840/wk · +1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 672 | $765 | 21.39 | +5.2% |
| Health care and social assistance | 580 | $820 | 0.89 | +0.5% |
| Retail trade | 527 | $641 | 1.24 | -0.6% |
| Manufacturing | 298 | $812 | 0.85 | +6.8% |
| Construction | 157 | $1,063 | 0.69 | -12.8% |
| Educational services | 93 | $719 | 0.99 | -7.0% |
| Real estate and rental | 72 | $830 | 1.08 | +7.5% |
| Administrative and waste services | 57 | $834 | 0.23 | -3.4% |
| Finance and insurance | 55 | $1,689 | 0.31 | -3.5% |
| Wholesale trade | 32 | $1,346 | 0.19 | -13.5% |
| Utilities | withheld | |||
| Transportation and warehousing | 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 #
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 #
78 gauges · 0 flooding · 13 with quality panels averaging 100 % · 5 stale
Sites found: 78, 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 |
|---|---|---|
| Atlantic Coast near Anheuser Busch Coastal Res. Center (MLLW) | no flooding | 2 km |
| Chesapeake Bay at Cape Charles Harbor at Cape Charles VA | out of service | 9 km |
| Chesapeake Bay near Kiptopeke (IN MLLW) | no flooding | 16 km |
| Nassawadox Creek near Bayford (IN MLLW) | no flooding | 19 km |
| GUY CREEK NEAR NASSAWADOX, VA | flow 1.80 ft³/s · STALE | 23 km |
| Chesapeake Bay at Chesapeake Bay Bridge Tunnel (IN MLLW) | no flooding | 33 km |
| Piankatank River above Wharf Creek near Hudgins VA (IN MLLW) | no flooding | 40 km |
| Atlantic Coast at Wachapreague (IN MLLW) | no flooding | 40 km |
| Chesapeake Bay at Chesapeake Bay Bridge Tunnel | out of service | 41 km |
| Chesapeake Bay near Pungoteague Creek at Harborton (IN MLLW) | out of service | 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 #
132 wells in 0 named aquifers:
Sites found: 132, 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-371543076003401 | depth 11.3 ft · 2026-10-05 | 9 km |
| USGS-371307075583601 | depth 6.62 ft · 1989-08-14 | 10 km |
| USGS-371301075584401 | depth 7.70 ft · 1988-12-07 | 11 km |
| USGS-371145075565901 | depth 1.24 ft · 1991-10-16 | 12 km |
| USGS-371145075580301 | depth 4.11 ft · 1989-08-14 | 12 km |
| USGS-371136075574801 | depth 6.16 ft · 1990-11-13 | 13 km |
| USGS-371125075570205 | depth 11.5 ft · 1993-09-30 | 13 km |
| USGS-371128075572101 | depth 9.28 ft · 1990-07-19 | 13 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 #
$272.6 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,188, highly concentrated. $128.1 m federal obligations in FY2026 (direct payments $125.3 m, grants $2.9 m), $29,465 per covered job
| Item | Value | Distance |
|---|---|---|
| Atlantic Union Bank | $135.2 m · 49.6% share · 2 offices | |
| First Horizon Bank | $48.6 m · 17.8% share · 1 office | |
| Truist Bank | $41.5 m · 15.2% share · 1 office | |
| Northampton, VA | $128.1 m FY2026 · $29,465/job | |
| MULTIPLE RECIPIENTS | $121.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Atlantic Union Bank | $135,228,000 | 49.6% | 2 |
| First Horizon Bank | $48,566,000 | 17.8% | 1 |
| Truist Bank | $41,470,000 | 15.2% | 1 |
| PNC Bank, National Association | $33,784,000 | 12.4% | 1 |
| Calvin B. Taylor Banking Company of Berlin, Maryland | $13,569,000 | 5.0% | 1 |
Deposit concentration is 3,188 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 = 49.6² + 17.8² + 15.2² + … (2 more) = 3,188
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 | $96,665,050 |
| Department of Health and Human Services | $14,989,773 |
| Department of Veterans Affairs | $9,919,559 |
| Department of Agriculture | $3,545,362 |
| Department of the Interior | $1,499,882 |
| Department of Transportation | $1,357,791 |
| Department of Housing and Urban Development | $1,215,016 |
| Railroad Retirement Board | $974,176 |
| Federal Communications Commission | $258,638 |
| Department of Homeland Security | $92,550 |
| General Services Administration | $59,000 |
| Department of Justice | $0 |
That is $29,465 per covered job, against 4,349 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $128.1 m / 4,349 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,465
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 #
Northampton County, VA: 6 findings, 6 noted
noteNorthampton 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
noteNorthampton County, VA's covered employment was 1.9% 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
- +1.9 % = 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
noteNorthampton County, VA's typical home value rose 0.4% from $310,697 in July 2026 to $311,977 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (311976.9677965711 - 310697.49237003765) / 310697.49237003765 × 100
- 311976.9677965711 = Zillow ZHVI, 2026-08
- 310697.49237003765 = Zillow ZHVI, 2026-07
noteNorthampton County, VA's average weekly wage of $840 ranks 123rd of 133 Virginia counties, against a median of $1,048.
Period 2026 Q1.Show the arithmetic
- 8 on the 0-to-100 scale across 133 Virginia counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteNorthampton County, VA's momentum index of 0.58 ranks 14th of 133 Virginia counties, against a median of 0.26.
Period 2026-08.Show the arithmetic
- 90 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
Read all 6 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.