Boone County, WV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.02, -81.71.
Assembled 2026-10-06. Read the brief.
- 2nd pct · 3,000th of 3,063 US counties · median $234,566
- 7th pct · 51st of 55 West Virginia counties · median $154,872
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
- 35th pct · 1,962nd of 3,063 US counties · median +2.9%
- 31st pct · 38th of 55 West Virginia counties · median +3.3%
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
- US counties: not published this period
- West Virginia counties: not published this period
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
- 35th pct · 2,079th of 3,221 US counties · median 8,232
- 46th pct · 30th of 55 West Virginia counties · median 5,555
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
- 69th pct · 972nd of 3,221 US counties · median $1,039
- 75th pct · 14th of 55 West Virginia counties · median $1,076
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
- 1st pct · 3,021st of 3,063 US counties · median 4.3
- 5th pct · 52nd of 55 West Virginia counties · median 2.8
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston 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 $95,486 (Aug 2026), +1.7% over one year, +8.0% over five
- 2nd pct · 3,000th of 3,063 US counties · median $234,566
- 7th pct · 51st of 55 West Virginia counties · median $154,872
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Boone County, WV | $95,486 · +1.7% 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
- West Virginia counties: not published this period
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
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 $523 a month on $95,486 at 7.28%, against an average weekly wage worth $4,970 a month: 10.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $95,486 × 80% = $76,389, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $523/mo principal and interest
- wage share = payment / (avg weekly wage $1,147 × 52 / 12 = $4,970) = 11% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $95,486 / ($1,147 × 52) = 1.6
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 #
4,666 jobs at 435 employers (2026 Q1); -1.0% jobs and -2.8% average weekly wage over the year
- 35th pct · 2,079th of 3,221 US counties · median 8,232
- 46th pct · 30th of 55 West Virginia counties · median 5,555
- counties in the Charleston metro: Rank context is unavailable: the manifest lists 3 counties in the Charleston metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Boone County, WV | 4,666 jobs · $1,147/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 579 | $655 | 1.27 | -1.5% |
| Accommodation and food services | 208 | $344 | 0.50 | -7.6% |
| Other services | 175 | $599 | 1.26 | +8.7% |
| Administrative and waste services | 155 | $741 | 0.58 | +3.3% |
| Transportation and warehousing | 134 | $1,116 | 0.68 | -14.6% |
| Finance and insurance | 102 | $1,025 | 0.54 | -2.9% |
| Professional and technical services | 83 | $893 | 0.26 | -38.1% |
| Wholesale trade | 46 | $1,861 | 0.26 | -2.1% |
| Utilities | 34 | $2,357 | 1.84 | +13.3% |
| Arts, entertainment and recreation | 14 | $383 | 0.18 | -26.3% |
| Management of companies | 13 | $2,139 | 0.17 | +0.0% |
| Real estate and rental | 8 | $869 | 0.11 | +0.0% |
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.
Water #
Banks & federal dollars #
$327.5 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,163, highly concentrated. $173.7 m federal obligations in FY2026 (direct payments $159.7 m, grants $14.0 m), $37,236 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Bank | $152.3 m · 46.5% share · 1 office | |
| Truist Bank | $74.4 m · 22.7% share · 1 office | |
| Whitesville State Bank | $57.6 m · 17.6% share · 2 offices | |
| Boone, WV | $173.7 m FY2026 · $37,236/job | |
| MULTIPLE RECIPIENTS | $156.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Bank | $152,340,000 | 46.5% | 1 |
| Truist Bank | $74,420,000 | 22.7% | 1 |
| Whitesville State Bank | $57,622,000 | 17.6% | 2 |
| United Bank | $43,159,000 | 13.2% | 1 |
Deposit concentration is 3,163 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 = 46.5² + 22.7² + 17.6² + … (1 more) = 3,163
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 | $138,698,697 |
| Department of Veterans Affairs | $15,320,585 |
| Department of Transportation | $13,550,967 |
| Department of Housing and Urban Development | $2,924,690 |
| Railroad Retirement Board | $2,319,380 |
| Department of Agriculture | $616,028 |
| Department of Education | $142,585 |
| Federal Communications Commission | $134,418 |
| Department of Health and Human Services | $38,556 |
| Department of Homeland Security | -$3,294 |
That is $37,236 per covered job, against 4,666 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $173.7 m / 4,666 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,236
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 #
Boone County, WV: 11 findings, 2 at a watch level and 9 noted
watchBoone County, WV's average weekly wage is -2.8% 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 = -2.8 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchBoone County, WV's covered employment is -1.0% 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 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteBoone County, WV's average weekly wage was 2.8% 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
- -2.8 % = 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
noteBoone County, WV's typical home value rose 1.3% from $94,262 in July 2026 to $95,486 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.3% = (95485.67380795651 - 94261.83901591237) / 94261.83901591237 × 100
- 95485.67380795651 = Zillow ZHVI, 2026-08
- 94261.83901591237 = Zillow ZHVI, 2026-07
noteBoone County, WV's covered employment was 1.0% 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 % = 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 11 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.