Westmoreland County, VA

Home values #

Typical home $307,999 (Aug 2026), -0.2% over one year, +18.8% over five

• 71st pct · 885th of 3,063 US counties · median $234,566
• 50th pct · 67th of 133 Virginia counties · median $307,999

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 #

Typical rent $1,918/mo (Aug 2026), n/a over one year; price-to-rent 13.4

• 79th pct · 285th of 1,399 US counties · median $1,496
• 60th pct · 32nd of 79 Virginia counties · median $1,757

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 $1,686 a month on $307,999 at 7.28%, against an average weekly wage worth $3,735 a month: 45.1% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $307,999 × 80% = $246,399, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,686/mo principal and interest
• wage share = payment / (avg weekly wage $862 × 52 / 12 = $3,735) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $307,999 / ($862 × 52) = 6.9
• price-to-rent = $307,999 / ($1,918 × 12) = 13.4

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 #

3,127 jobs at 512 employers (2026 Q1); +0.2% jobs and +3.4% average weekly wage over the year

• 25th pct · 2,399th of 3,221 US counties · median 8,232
• 16th pct · 111th of 133 Virginia counties · median 9,944

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 #

46 gauges · 0 flooding · 14 with quality panels averaging 87 % · 25 stale

Sites found: 46, 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.

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 #

95 wells in 0 named aquifers:

Sites found: 95, 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.

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 + 0.2×0.13 / 0.55

Banks & federal dollars #

$345.3 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 2,899, highly concentrated. $183.3 m federal obligations in FY2026 (direct payments $159.4 m, contracts $23.5 m), $58,619 per covered job

Deposit concentration is 2,899 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 = 41.3² + 22.8² + 21.7² + … (1 more) = 2,899

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.

That is $58,619 per covered job, against 3,127 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $183.3 m / 3,127 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $58,619

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.

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 #

Westmoreland County, VA: 7 findings, 1 at a watch level and 6 noted

1. watchWestmoreland County, VA's typical home value is -0.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.

   Period 2026-08.
   Show the arithmetic

   • test: home.yoyPct = -0.24848433883321278 < 0

   arithmetic on Zillow ZHVI, county and metro files; not an official level

2. noteWestmoreland County, VA's average weekly wage was 3.4% 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

   • +3.4 % = 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

3. noteWestmoreland County, VA's typical asking rent rose 2.4% from $1,874 in July 2026 to $1,918 in August 2026, on Zillow ZORI.

   Period 2026-08.
   Show the arithmetic

   • +2.4% = (1917.777777777778 - 1873.6344147934685) / 1873.6344147934685 × 100
   • 1917.777777777778 = Zillow ZORI, 2026-08
   • 1873.6344147934685 = Zillow ZORI, 2026-07

4. noteWestmoreland County, VA's covered employment was 0.2% 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

   • +0.2 % = 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

5. noteWestmoreland County, VA's typical home value of -0.2% ranks 126th of 133 Virginia counties, against a median of +2.9%.

   Period 2026-08.
   Show the arithmetic

   • 5 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

Read all 7 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.