Waynesboro city, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.07, -78.90.
Assembled 2026-10-06. Read the brief.
- 68th pct · 976th of 3,063 US counties · median $234,566
- 46th pct · 71st of 133 Virginia counties · median $307,999
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
- 41st pct · 1,796th of 3,063 US counties · median +2.9%
- 33rd pct · 89th of 133 Virginia counties · median +2.9%
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
- 42nd pct · 802nd of 1,399 US counties · median $1,496
- 20th pct · 63rd of 79 Virginia counties · median $1,757
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
- 55th pct · 1,424th of 3,221 US counties · median 8,232
- 52nd pct · 64th of 133 Virginia counties · median 9,944
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
- 31st pct · 2,208th of 3,221 US counties · median $1,039
- 27th pct · 97th of 133 Virginia counties · median $1,048
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
- 77th pct · 679th of 3,063 US counties · median 4.3
- 56th pct · 59th of 133 Virginia counties · median 5.4
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
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 $293,938 (Aug 2026), +2.2% over one year, +25.1% over five
- 68th pct · 976th of 3,063 US counties · median $234,566
- 46th pct · 71st of 133 Virginia counties · median $307,999
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Waynesboro city, VA | $293,938 · +2.2% 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 $1,413/mo (Aug 2026), +9.4% over one year; price-to-rent 17.3
- 42nd pct · 802nd of 1,399 US counties · median $1,496
- 20th pct · 63rd of 79 Virginia counties · median $1,757
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Waynesboro city, VA | $1,413/mo · +9.4% 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 $1,609 a month on $293,938 at 7.28%, against an average weekly wage worth $4,151 a month: 38.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $293,938 × 80% = $235,150, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,609/mo principal and interest
- wage share = payment / (avg weekly wage $958 × 52 / 12 = $4,151) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $293,938 / ($958 × 52) = 5.9
- price-to-rent = $293,938 / ($1,413 × 12) = 17.3
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 #
10,389 jobs at 768 employers (2026 Q1); -0.4% jobs and +0.1% average weekly wage over the year
- 55th pct · 1,424th of 3,221 US counties · median 8,232
- 52nd pct · 64th of 133 Virginia counties · median 9,944
- counties in the Staunton-Stuarts Draft metro: Rank context is unavailable: the manifest lists 3 counties in the Staunton-Stuarts Draft metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Waynesboro city, VA | 10,389 jobs · $958/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,029 | $608 | 2.00 | -1.2% |
| Accommodation and food services | 1,487 | $464 | 1.59 | -4.4% |
| Manufacturing | 1,100 | $1,321 | 1.32 | -2.1% |
| Transportation and warehousing | 953 | $608 | 2.18 | +1.5% |
| Health care and social assistance | 895 | $903 | 0.57 | +7.2% |
| Management of companies | 522 | $2,203 | 3.00 | -3.3% |
| Professional and technical services | 422 | $1,364 | 0.59 | +16.3% |
| Other services | 368 | $802 | 1.19 | -2.1% |
| Wholesale trade | 215 | $1,167 | 0.54 | +20.8% |
| Finance and insurance | 178 | $1,830 | 0.42 | +5.3% |
| Administrative and waste services | 122 | $747 | 0.21 | +8.9% |
| Real estate and rental | 108 | $894 | 0.68 | -0.9% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$763.1 m in deposits at 9 offices of 9 banks (SOD June 2026); HHI 1,657, moderately concentrated. $148.9 m federal obligations in FY2026 (direct payments $145.8 m, grants $2.8 m), $14,334 per covered job
| Item | Value | Distance |
|---|---|---|
| Atlantic Union Bank | $184.0 m · 24.1% share · 1 office | |
| The First Bank and Trust Company | $153.1 m · 20.1% share · 1 office | |
| Truist Bank | $127.4 m · 16.7% share · 1 office | |
| Waynesboro (City), VA | $148.9 m FY2026 · $14,334/job | |
| MULTIPLE RECIPIENTS | $142.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Atlantic Union Bank | $183,958,000 | 24.1% | 1 |
| The First Bank and Trust Company | $153,076,000 | 20.1% | 1 |
| Truist Bank | $127,430,000 | 16.7% | 1 |
| Wells Fargo Bank, National Association | $121,724,000 | 16.0% | 1 |
| City National Bank of West Virginia | $54,017,000 | 7.1% | 1 |
| The National Bank of Blacksburg | $50,309,000 | 6.6% | 1 |
| First Bank | $46,341,000 | 6.1% | 1 |
| Farmers & Merchants Bank | $24,314,000 | 3.2% | 1 |
| Woodforest National Bank | $1,949,000 | 0.3% | 1 |
Deposit concentration is 1,657 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 24.1² + 20.1² + 16.7² + … (6 more) = 1,657
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 | $122,547,779 |
| Department of Veterans Affairs | $18,949,554 |
| Department of Housing and Urban Development | $5,059,230 |
| Department of Transportation | $1,485,572 |
| Railroad Retirement Board | $559,482 |
| Department of Defense | $304,411 |
| Department of Agriculture | $6,374 |
That is $14,334 per covered job, against 10,389 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $148.9 m / 10,389 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,334
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 | -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 #
Waynesboro city, VA: 7 findings, 2 at a watch level and 5 noted
watchWaynesboro city, VA's typical asking rent is +9.4% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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 2026-08.Show the arithmetic
- test: rent.yoyPct = 9.404816789018511 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchWaynesboro city, VA's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWaynesboro city, VA's typical asking rent rose 0.4% from $1,407 in July 2026 to $1,413 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.4% = (1412.5396825396826 - 1406.5618153120947) / 1406.5618153120947 × 100
- 1412.5396825396826 = Zillow ZORI, 2026-08
- 1406.5618153120947 = Zillow ZORI, 2026-07
noteWaynesboro city, VA's covered employment was 0.4% 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
- -0.4 % = 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
noteWaynesboro city, VA's average weekly wage was 0.1% 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
- +0.1 % = 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
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.