Winchester city, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.17, -78.18.
Assembled 2026-10-06. Read the brief.
- 79th pct · 617th of 3,063 US counties · median $234,566
- 61st pct · 52nd of 133 Virginia counties · median $307,999
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
- 41st pct · 1,784th of 3,063 US counties · median +2.9%
- 34th pct · 87th of 133 Virginia counties · median +2.9%
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
- 68th pct · 437th of 1,399 US counties · median $1,496
- 48th pct · 41st of 79 Virginia counties · median $1,757
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
- 75th pct · 791st of 3,221 US counties · median 8,232
- 78th pct · 30th of 133 Virginia counties · median 9,944
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
- 79th pct · 652nd of 3,221 US counties · median $1,039
- 71st pct · 38th of 133 Virginia counties · median $1,048
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
- 72nd pct · 844th of 3,063 US counties · median 4.3
- 53rd pct · 63rd of 133 Virginia counties · median 5.4
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester 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 $354,420 (Aug 2026), +2.3% over one year, +24.6% over five
- 79th pct · 617th of 3,063 US counties · median $234,566
- 61st pct · 52nd of 133 Virginia counties · median $307,999
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Winchester city, VA | $354,420 · +2.3% 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 $1,737/mo (Aug 2026), +3.2% over one year; price-to-rent 17.0
- 68th pct · 437th of 1,399 US counties · median $1,496
- 48th pct · 41st of 79 Virginia counties · median $1,757
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Winchester city, VA | $1,737/mo · +3.2% 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 $1,940 a month on $354,420 at 7.28%, against an average weekly wage worth $5,356 a month: 36.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $354,420 × 80% = $283,536, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,940/mo principal and interest
- wage share = payment / (avg weekly wage $1,236 × 52 / 12 = $5,356) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $354,420 / ($1,236 × 52) = 5.5
- price-to-rent = $354,420 / ($1,737 × 12) = 17.0
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 #
25,663 jobs at 1,493 employers (2026 Q1); +3.4% jobs and -1.7% average weekly wage over the year
- 75th pct · 791st of 3,221 US counties · median 8,232
- 78th pct · 30th of 133 Virginia counties · median 9,944
- counties in the Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Winchester city, VA | 25,663 jobs · $1,236/wk · +3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,973 | $1,459 | 2.06 | +5.2% |
| Retail trade | 3,708 | $724 | 1.48 | +2.2% |
| Accommodation and food services | 2,606 | $489 | 1.13 | +0.8% |
| Manufacturing | 1,307 | $1,358 | 0.63 | -4.2% |
| Educational services | 1,087 | $1,071 | 1.97 | +4.0% |
| Professional and technical services | 719 | $1,417 | 0.41 | +15.6% |
| Other services | 688 | $1,034 | 0.90 | +1.6% |
| Finance and insurance | 521 | $2,640 | 0.50 | -0.2% |
| Arts, entertainment and recreation | 326 | $448 | 0.77 | +1.9% |
| Wholesale trade | 274 | $1,380 | 0.28 | +3.4% |
| Real estate and rental | 209 | $1,074 | 0.53 | +0.5% |
| Transportation and warehousing | 172 | $1,381 | 0.16 | -1.7% |
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 #
5 USGS reservoir gauges, no capacity figures to weight
Sites found: 5, 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 |
|---|---|---|
| JENNINGS RANDOLPH LAKE NEAR ELK GARDEN, WV | 1,446 ft (USGS, no capacity on file) | 87 km |
| SAVAGE RIVER RESERVOIR NEAR BLOOMINGTON, MD | 1,442 ft (USGS, no capacity on file) | 90 km |
| USGS-03075871 | 2,459 ft (USGS, no capacity on file) | 104 km |
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 141 km |
| Indian Rock Dam near York, PA | 372.2 ft (USGS, no capacity on file) | 148 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 #
122 gauges · 0 flooding · 32 with quality panels averaging 99 % · 32 stale
Sites found: 122, 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 |
|---|---|---|
| OPEQUON CREEK NEAR STEPHENS CITY, VA | flow 5.21 ft³/s · STALE | 8 km |
| ABRAMS CREEK NEAR WINCHESTER, VA | flow 9.20 ft³/s · STALE | 8 km |
| OPEQUON CREEK NEAR BERRYVILLE, VA | flow 7.12 ft³/s · no flooding | 8 km |
| DRY MARSH RUN NEAR BERRYVILLE, VA | flow 0.66 ft³/s · quality 100 % (2) · no flooding | 10 km |
| HOGUE CREEK NEAR HAYFIELD, VA | flow 0.75 ft³/s · no flooding | 11 km |
| SPOUT RUN AT POWHATAN SCHOOL NR BOYCE, VA | stage 4.12 ft · quality 100 % (1) · STALE | 16 km |
| Back Creek Near Gore | no readings | 17 km |
| CEDAR CREEK NEAR WINCHESTER, VA | flow 13.2 ft³/s · no flooding | 17 km |
| SPOUT RUN AT RT 621 NEAR MILLWOOD, VA | flow 6.97 ft³/s · quality 100 % (2) · no flooding | 19 km |
| WEST RUN AT MIDDLETOWN, VA | stage 4.03 ft · quality 100 % (1) · STALE | 20 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 #
41 wells in 0 named aquifers:
Sites found: 41, 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-390900078103301 | depth 7.08 ft · 2026-10-05 | 3 km |
| USGS-391413078071201 | depth 43.1 ft · 2009-10-07 | 9 km |
| USGS-391413078063901 | depth 20.9 ft · 2002-09-29 | 9 km |
| USGS-391533078052401 | depth 46.9 ft · 2009-09-20 | 12 km |
| USGS-391757078095402 | depth 26.2 ft · 2009-09-20 | 14 km |
| USGS-390328078061201 | depth 30.9 ft · 2011-02-06 | 14 km |
| USGS-390948078001601 | depth 44.6 ft · 2026-10-05 | 15 km |
| USGS-390348078035501 | depth 44.9 ft · 2026-10-05 | 16 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.01 / 0.55
Banks & federal dollars #
$1.7 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 1,793, moderately concentrated. $182.9 m federal obligations in FY2026 (direct payments $153.6 m, contracts $16.4 m), $7,128 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $531.9 m · 31.6% share · 3 offices | |
| Bank Of Clarke | $324.8 m · 19.3% share · 2 offices | |
| First Bank | $228.2 m · 13.6% share · 1 office | |
| Winchester (City), VA | $182.9 m FY2026 · $7,128/job | |
| MULTIPLE RECIPIENTS | $149.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $531,858,000 | 31.6% | 3 |
| Bank Of Clarke | $324,788,000 | 19.3% | 2 |
| First Bank | $228,236,000 | 13.6% | 1 |
| Wells Fargo Bank, National Association | $161,112,000 | 9.6% | 1 |
| Burke & Herbert Bank & Trust Company | $149,030,000 | 8.9% | 1 |
| Virginia National Bank | $86,002,000 | 5.1% | 1 |
| United Bank | $77,831,000 | 4.6% | 1 |
| Farmers & Merchants Bank | $42,315,000 | 2.5% | 3 |
| First-Citizens Bank & Trust Company | $41,776,000 | 2.5% | 1 |
| City National Bank of West Virginia | $38,906,000 | 2.3% | 1 |
Deposit concentration is 1,793 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 31.6² + 19.3² + 13.6² + … (7 more) = 1,793
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 | $131,653,246 |
| Department of Transportation | $13,146,302 |
| Department of Veterans Affairs | $12,055,763 |
| Department of Homeland Security | $5,570,319 |
| Department of Justice | $5,077,239 |
| Department of Health and Human Services | $4,846,379 |
| Department of Education | $4,001,668 |
| Department of Defense | $2,822,833 |
| Agency for International Development | $1,998,123 |
| Railroad Retirement Board | $1,203,554 |
| Department of Agriculture | $444,747 |
| General Services Administration | $75,610 |
That is $7,128 per covered job, against 25,663 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $182.9 m / 25,663 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,128
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 #
Winchester city, VA: 6 findings, 1 at a watch level and 5 noted
watchWinchester city, VA's average weekly wage is -1.7% 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 = -1.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteWinchester city, VA's covered employment 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
noteWinchester city, VA's average weekly wage was 1.7% 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
- -1.7 % = 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
noteWinchester city, VA's covered employment of +3.4% ranks 10th of 133 Virginia counties, against a median of -0.4%.
Period 2026 Q1.Show the arithmetic
- 93 on the 0-to-100 scale across 133 Virginia counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Winchester city, 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
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.