Lynchburg city, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.40, -79.20.
Assembled 2026-10-07. Read the brief.
- 54th pct · 1,389th of 3,063 US counties · median $234,566
- 31st pct · 91st of 133 Virginia counties · median $307,999
- 0th pct · 5th of 5 counties in the Lynchburg metro · median $275,574
- 22nd pct · 2,379th of 3,063 US counties · median +2.9%
- 6th pct · 124th of 133 Virginia counties · median +2.9%
- 0th pct · 5th of 5 counties in the Lynchburg metro · median +2.2%
- 28th pct · 995th of 1,399 US counties · median $1,496
- 10th pct · 71st of 79 Virginia counties · median $1,757
- counties in the Lynchburg metro: only 4 of counties in the Lynchburg metro published this metric; fewer than 5 is too few to rank
- 83rd pct · 532nd of 3,221 US counties · median 8,232
- 87th pct · 18th of 133 Virginia counties · median 9,944
- 100th pct · 1st of 5 counties in the Lynchburg metro · median 18,773
- 77th pct · 730th of 3,221 US counties · median $1,039
- 68th pct · 42nd of 133 Virginia counties · median $1,048
- 75th pct · 2nd of 5 counties in the Lynchburg metro · median $995
- 42nd pct · 1,762nd of 3,063 US counties · median 4.3
- 27th pct · 97th of 133 Virginia counties · median 5.4
- 25th pct · 4th of 5 counties in the Lynchburg metro · median 5.3
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 $246,770 (Aug 2026), +0.2% over one year, +29.3% over five
- 54th pct · 1,389th of 3,063 US counties · median $234,566
- 31st pct · 91st of 133 Virginia counties · median $307,999
- 0th pct · 5th of 5 counties in the Lynchburg metro · median $275,574
| Item | Value | Distance |
|---|---|---|
| Lynchburg city, VA | $246,770 · +0.2% 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 #
Typical rent $1,279/mo (Aug 2026), +2.6% over one year; price-to-rent 16.1
- 28th pct · 995th of 1,399 US counties · median $1,496
- 10th pct · 71st of 79 Virginia counties · median $1,757
- counties in the Lynchburg metro: only 4 of counties in the Lynchburg metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Lynchburg city, VA | $1,279/mo · +2.6% 1-yr |
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 $1,351 a month on $246,770 at 7.28%, against an average weekly wage worth $5,243 a month: 25.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $246,770 × 80% = $197,416, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,351/mo principal and interest
- wage share = payment / (avg weekly wage $1,210 × 52 / 12 = $5,243) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $246,770 / ($1,210 × 52) = 3.9
- price-to-rent = $246,770 / ($1,279 × 12) = 16.1
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 #
47,378 jobs at 2,747 employers (2026 Q1); -1.1% jobs and -1.1% average weekly wage over the year
- 83rd pct · 532nd of 3,221 US counties · median 8,232
- 87th pct · 18th of 133 Virginia counties · median 9,944
- 100th pct · 1st of 5 counties in the Lynchburg metro · median 18,773
| Item | Value | Distance |
|---|---|---|
| Lynchburg city, VA | 47,378 jobs · $1,210/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,360 | $1,320 | 1.45 | -1.7% |
| Accommodation and food services | 5,699 | $409 | 1.34 | +1.5% |
| Manufacturing | 5,203 | $1,622 | 1.37 | -3.3% |
| Retail trade | 5,027 | $669 | 1.09 | -9.3% |
| Professional and technical services | 3,026 | $2,552 | 0.93 | -5.8% |
| Construction | 1,876 | $1,339 | 0.76 | +8.6% |
| Educational services | 1,822 | $726 | 1.79 | -5.6% |
| Finance and insurance | 1,589 | $2,488 | 0.82 | -1.7% |
| Transportation and warehousing | 1,581 | $1,021 | 0.79 | +0.0% |
| Other services | 1,277 | $811 | 0.90 | -6.1% |
| Administrative and waste services | 1,238 | $827 | 0.46 | +3.9% |
| Management of companies | 926 | $1,632 | 1.17 | +3.2% |
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 #
D2 severe 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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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) | 99 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 8.00 ft (USGS, no capacity on file) | 100 km |
| LITTLE RIVER RESERVOIR NEAR RADFORD, VA | 231.0 Acre-ft (USGS, no capacity on file) | 127 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 #
65 gauges · 0 flooding · 26 with quality panels averaging 99 % · 23 stale
Sites found: 65, 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 |
|---|---|---|
| ROANOKE RIVER AT THIRTEENTH ST BR AT ROANOKE, VA | stage 3.12 ft · quality 80 % (5) · STALE | 65 km |
| HARRIS CREEK BELOW ROUTE 130 NEAR MONROE, VA | flow 2.77 ft³/s | 10 km |
| JAMES RIVER AT HOLCOMB ROCK, VA | flow 469.0 ft³/s | 13 km |
| BIG OTTER RIVER NEAR BEDFORD, VA | flow 53.1 ft³/s · STALE | 20 km |
| JAMES RIVER AT BLUE RIDGE PKWY NR BIG ISLAND, VA | flow 629.0 ft³/s | 23 km |
| BIG OTTER RIVER NEAR EVINGTON, VA | flow 25.2 ft³/s | 23 km |
| JAMES RIVER AT BEDFORD DAM NR MAJOR, VA | stage 5.80 ft | 26 km |
| BUFFALO RIVER NEAR TYE RIVER, VA | flow 53.0 ft³/s · STALE | 33 km |
| ROANOKE RIVER AT ALTAVISTA, VA | flow 442.0 ft³/s | 34 km |
| PEDLAR RIVER AT FOREST ROAD NEAR BUENA VISTA, VA | flow 3.32 ft³/s | 34 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 #
14 wells in 0 named aquifers:
Sites found: 14, 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-372543079295401 | depth 15.3 ft · 2011-10-16 | 27 km |
| USGS-372543079295402 | depth 18.0 ft · 2026-10-05 | 27 km |
| USGS-372543079295403 | depth 12.8 ft · 2026-10-05 | 27 km |
| USGS-372053078493801 | depth 1.79 ft · 2026-10-05 | 33 km |
| USGS-373758079271601 | depth 29.6 ft · 2026-10-05 | 35 km |
| USGS-372150079422301 | depth 41.5 ft · 2026-10-06 | 45 km |
| USGS-372224079423601 | depth 12.8 ft · 2026-10-05 | 46 km |
| USGS-372608078404601 | depth 32.2 ft · 2026-10-06 | 46 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.01 / 0.55
Banks & federal dollars #
$2.2 bn in deposits at 25 offices of 12 banks (SOD June 2026); HHI 1,859, highly concentrated. $739.3 m federal obligations in FY2026 (direct payments $656.8 m, grants $46.7 m), $15,604 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $659.4 m · 30.3% share · 4 offices | |
| Wells Fargo Bank, National Association | $420.8 m · 19.4% share · 3 offices | |
| Bank of America, National Association | $344.3 m · 15.8% share · 1 office | |
| Lynchburg (City), VA | $739.3 m FY2026 · $15,604/job | |
| MULTIPLE RECIPIENTS | $449.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $659,426,000 | 30.3% | 4 |
| Wells Fargo Bank, National Association | $420,776,000 | 19.4% | 3 |
| Bank of America, National Association | $344,341,000 | 15.8% | 1 |
| Bank of the James | $338,447,000 | 15.6% | 5 |
| Carter Bank & Trust | $110,884,000 | 5.1% | 2 |
| Select Bank | $105,518,000 | 4.9% | 2 |
| First National Bank | $64,212,000 | 3.0% | 3 |
| Atlantic Union Bank | $57,292,000 | 2.6% | 1 |
| United Bank | $36,515,000 | 1.7% | 1 |
| First-Citizens Bank & Trust Company | $21,435,000 | 1.0% | 1 |
Deposit concentration is 1,859 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 30.3² + 19.4² + 15.8² + … (9 more) = 1,859
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 | $364,251,195 |
| Department of Education | $204,890,152 |
| Department of Veterans Affairs | $63,135,400 |
| Department of Energy | $37,567,239 |
| Department of Health and Human Services | $31,198,233 |
| Department of Transportation | $16,748,048 |
| Department of Defense | $10,064,130 |
| Department of Housing and Urban Development | $7,661,406 |
| Railroad Retirement Board | $2,053,351 |
| Federal Communications Commission | $513,380 |
| Institute of Museum and Library Services | $440,783 |
| Department of Homeland Security | $426,256 |
That is $15,604 per covered job, against 47,378 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $739.3 m / 47,378 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,604
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 #
Lynchburg city, VA: 14 findings, 2 at a watch level and 12 noted
watchLynchburg city, VA's average weekly wage is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchLynchburg city, VA's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLynchburg city, VA's average weekly wage was 1.1% 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
- -1.1 % = 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
noteLynchburg city, VA's covered employment was 1.1% 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
- -1.1 % = 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
noteLynchburg city, VA's typical home value of $246,770 ranks 5th of 5 counties in the Lynchburg metro, against a median of $275,574.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 5 counties in the Lynchburg metro that published home.latest
position among the entities that published this metric this period; not an official level
Read all 12 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.