Richmond County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.94, -76.73.
Assembled 2026-10-06. Read the brief.
- 55th pct · 1,374th of 3,063 US counties · median $234,566
- 32nd pct · 90th of 133 Virginia counties · median $307,999
- 63rd pct · 1,124th of 3,063 US counties · median +2.9%
- 71st pct · 38th of 133 Virginia counties · median +2.9%
- US counties: not published this period
- Virginia counties: not published this period
- 23rd pct · 2,458th of 3,221 US counties · median 8,232
- 12th pct · 116th of 133 Virginia counties · median 9,944
- 36th pct · 2,051st of 3,221 US counties · median $1,039
- 32nd pct · 90th of 133 Virginia counties · median $1,048
- 62nd pct · 1,140th of 3,063 US counties · median 4.3
- 43rd pct · 76th 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 $248,616 (Aug 2026), +4.1% over one year, +29.7% over five
- 55th pct · 1,374th of 3,063 US counties · median $234,566
- 32nd pct · 90th of 133 Virginia counties · median $307,999
| Item | Value | Distance |
|---|---|---|
| Richmond County, VA | $248,616 · +4.1% 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 $1,361 a month on $248,616 at 7.28%, against an average weekly wage worth $4,234 a month: 32.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $248,616 × 80% = $198,893, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,361/mo principal and interest
- wage share = payment / (avg weekly wage $977 × 52 / 12 = $4,234) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $248,616 / ($977 × 52) = 4.9
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 #
2,927 jobs at 312 employers (2026 Q1); +0.3% jobs and +4.9% average weekly wage over the year
- 23rd pct · 2,458th of 3,221 US counties · median 8,232
- 12th pct · 116th of 133 Virginia counties · median 9,944
| Item | Value | Distance |
|---|---|---|
| Richmond County, VA | 2,927 jobs · $977/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 272 | $490 | 0.95 | +10.1% |
| Construction | 220 | $1,783 | 1.43 | -4.3% |
| Accommodation and food services | 204 | $382 | 0.78 | +6.8% |
| Other services | 124 | $734 | 1.42 | +8.8% |
| Wholesale trade | 123 | $963 | 1.10 | -17.4% |
| Administrative and waste services | 87 | $921 | 0.52 | +89.1% |
| Professional and technical services | 40 | $1,617 | 0.20 | -9.1% |
| Finance and insurance | 33 | $1,513 | 0.28 | -10.8% |
| Arts, entertainment and recreation | 25 | $743 | 0.52 | +0.0% |
| Real estate and rental | 11 | $817 | 0.25 | -21.4% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | 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 #
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 #
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 #
50 gauges · 0 flooding · 12 with quality panels averaging 85 % · 14 stale
Sites found: 50, 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-381922076043001 | temp 18.4 °C · quality 50 % (2) · STALE | 71 km |
| FARM CREEK NEAR TODDVILLE, MD | stage 0.13 ft · quality 50 % (2) · STALE | 70 km |
| USGS-381922076043002 | temp 10.1 °C · quality 50 % (2) · STALE | 71 km |
| CAT POINT CREEK NEAR MONTROSS, VA | flow 3.80 ft³/s · STALE | 14 km |
| Rappahannock River at Tappahannock (IN MLLW) | no flooding | 14 km |
| PISCATAWAY CREEK NEAR TAPPAHANNOCK, VA | flow 5.60 ft³/s · quality 100 % (2) | 17 km |
| Potomac River at Lewisetta (IN MLLW) | no flooding | 24 km |
| St. George Creek at Straits Point (IN MLLW) | no flooding | 30 km |
| DRAGON SWAMP AT MASCOT, VA | flow 24.1 ft³/s · quality 100 % (1) | 35 km |
| MATTAPONI RIVER NEAR BEULAHVILLE, VA | flow 204.0 ft³/s · quality 100 % (5) · 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 #
119 wells in 0 named aquifers:
Sites found: 119, 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-381110076550501 | depth 85.2 ft · 2026-10-06 | 32 km |
| USGS-381132076551001 | depth 11.4 ft · 2026-10-05 | 32 km |
| USGS-381010077021901 | depth 212.5 ft · 2020-05-25 | 37 km |
| USGS-375213076190210 | depth 57.9 ft · 2020-04-07 | 37 km |
| USGS-375213076190209 | depth 70.2 ft · 2020-04-07 | 37 km |
| USGS-375213076190208 | depth 97.1 ft · 2020-04-07 | 37 km |
| USGS-375213076190207 | depth 105.9 ft · 2020-04-07 | 37 km |
| USGS-375213076190206 | depth 108.3 ft · 2020-04-07 | 37 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 (0.05)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.15 / 0.55
Banks & federal dollars #
$240.7 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,856, highly concentrated. $64.2 m federal obligations in FY2026 (direct payments $58.1 m, grants $4.7 m), $21,940 per covered job
| Item | Value | Distance |
|---|---|---|
| Atlantic Union Bank | $156.9 m · 65.2% share · 2 offices | |
| Citizens and Farmers Bank | $42.4 m · 17.6% share · 1 office | |
| Blue Ridge Bank, National Association | $41.3 m · 17.2% share · 1 office | |
| Richmond, VA | $64.2 m FY2026 · $21,940/job | |
| MULTIPLE RECIPIENTS | $56.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Atlantic Union Bank | $156,901,000 | 65.2% | 2 |
| Citizens and Farmers Bank | $42,443,000 | 17.6% | 1 |
| Blue Ridge Bank, National Association | $41,334,000 | 17.2% | 1 |
Deposit concentration is 4,856 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 = 65.2² + 17.6² + 17.2² = 4,856
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 | $50,242,755 |
| Department of Veterans Affairs | $7,857,265 |
| Department of Transportation | $3,989,986 |
| Department of Agriculture | $1,647,582 |
| Federal Communications Commission | $398,635 |
| Railroad Retirement Board | $82,602 |
That is $21,940 per covered job, against 2,927 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $64.2 m / 2,927 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,940
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 #
Richmond County, VA: 4 findings, 4 noted
noteRichmond County, VA's average weekly wage was 4.9% 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
- +4.9 % = 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
noteRichmond County, VA's typical home value rose 0.3% from $247,841 in July 2026 to $248,616 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (248616.11154584948 - 247840.74473334654) / 247840.74473334654 × 100
- 248616.11154584948 = Zillow ZHVI, 2026-08
- 247840.74473334654 = Zillow ZHVI, 2026-07
noteRichmond County, VA's covered employment was 0.3% 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
- +0.3 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Richmond 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.