Hampshire County, WV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.31, -78.61.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,249th of 3,063 US counties · median $234,566
- 92nd pct · 5th of 55 West Virginia counties · median $154,872
- 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.
- 55th pct · 1,356th of 3,063 US counties · median +2.9%
- 55th pct · 25th of 55 West Virginia counties · median +3.3%
- 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.
- US counties: not published this period
- West Virginia counties: not published this period
- 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.
- 32nd pct · 2,159th of 3,221 US counties · median 8,232
- 42nd pct · 32nd of 55 West Virginia counties · median 5,555
- 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.
- 14th pct · 2,744th of 3,221 US counties · median $1,039
- 16th pct · 46th of 55 West Virginia counties · median $1,076
- 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.
- 76th pct · 735th of 3,063 US counties · median 4.3
- 96th pct · 3rd of 55 West Virginia counties · median 2.8
- 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 $261,315 (Aug 2026), +3.5% over one year, +32.8% over five
- 59th pct · 1,249th of 3,063 US counties · median $234,566
- 92nd pct · 5th of 55 West Virginia counties · median $154,872
- 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 |
|---|---|---|
| Hampshire County, WV | $261,315 · +3.5% 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 Winchester metro: Rank context is unavailable: the manifest lists 3 counties in the Winchester 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 $1,430 a month on $261,315 at 7.28%, against an average weekly wage worth $3,783 a month: 37.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $261,315 × 80% = $209,052, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,430/mo principal and interest
- wage share = payment / (avg weekly wage $873 × 52 / 12 = $3,783) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $261,315 / ($873 × 52) = 5.8
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 #
4,197 jobs at 565 employers (2026 Q1); -1.0% jobs and +3.4% average weekly wage over the year
- 32nd pct · 2,159th of 3,221 US counties · median 8,232
- 42nd pct · 32nd of 55 West Virginia counties · median 5,555
- 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 |
|---|---|---|
| Hampshire County, WV | 4,197 jobs · $873/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 506 | $597 | 1.24 | +1.8% |
| Professional and technical services | 210 | $1,211 | 0.73 | +1.4% |
| Construction | 197 | $819 | 0.90 | -1.5% |
| Finance and insurance | 196 | $1,292 | 1.15 | -2.5% |
| Other services | 128 | $624 | 1.02 | -8.6% |
| Wholesale trade | 89 | $987 | 0.55 | +0.0% |
| Manufacturing | 69 | $1,012 | 0.20 | -13.8% |
| Information | 49 | $1,644 | 0.63 | -5.8% |
| Real estate and rental | 25 | $1,233 | 0.39 | -7.4% |
| Unclassified | 8 | $690 | 0.90 | +166.7% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld |
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 #
No drought class at this point (USDM covers the United States only)
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) | 46 km |
| SAVAGE RIVER RESERVOIR NEAR BLOOMINGTON, MD | 1,442 ft (USGS, no capacity on file) | 50 km |
| DEEP CREEK LAKE NEAR THAYERVILLE, MD | 2,459 ft (USGS, no capacity on file) | 63 km |
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 135 km |
| Loyalhanna Creek Lake, PA | 3,652 Acre-ft (USGS, no capacity on file) | 146 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 #
84 gauges · 0 flooding · 24 with quality panels averaging 100 % · 31 stale
Sites found: 84, 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 |
|---|---|---|
| SOUTH BRANCH POTOMAC RIVER NEAR SPRINGFIELD, WV | flow 261.0 ft³/s · quality 100 % (5) | 15 km |
| PATTERSON CREEK NEAR HEADSVILLE, WV | flow 12.4 ft³/s | 23 km |
| TOWN CREEK NEAR OLDTOWN, MD | flow 10.5 ft³/s | 27 km |
| POTOMAC RIVER AT PAW PAW, WV | flow 666.0 ft³/s | 29 km |
| HOGUE CREEK NEAR HAYFIELD, VA | flow 1.22 ft³/s | 30 km |
| WAITES RUN NEAR WARDENSVILLE, WV | flow 1.59 ft³/s · quality 100 % (1) | 30 km |
| NORTH BRANCH POTOMAC RIVER AT PINTO, MD | flow 339.0 ft³/s · STALE | 34 km |
| CEDAR CREEK NEAR WINCHESTER, VA | flow 12.6 ft³/s | 35 km |
| NORTH BRANCH POTOMAC RIVER NEAR CUMBERLAND, MD | flow 405.0 ft³/s | 37 km |
| SOUTH BRANCH POTOMAC RIVER NEAR MOOREFIELD, WV | flow 433.0 ft³/s | 38 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 #
34 wells in 0 named aquifers:
Sites found: 34, 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-391257078404601 | depth 11.9 ft · 2001-08-12 | 12 km |
| USGS-392200078532001 | depth 26.6 ft · 2026-10-05 | 25 km |
| USGS-390333078370801 | depth 14.9 ft · 2026-10-05 | 28 km |
| USGS-393043078174001 | depth 32.0 ft · 1999-01-24 | 35 km |
| USGS-391757078095402 | depth 26.2 ft · 2009-09-20 | 38 km |
| USGS-390226078170601 | depth 57.0 ft · 2009-09-20 | 41 km |
| USGS-390900078103301 | depth 7.08 ft · 2026-10-05 | 42 km |
| USGS-394024078273401 | depth 5.02 ft · 2012-10-21 | 42 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$485.6 m in deposits at 11 offices of 2 banks (SOD June 2026); HHI 5,055, highly concentrated. $172.3 m federal obligations in FY2026 (direct payments $167.9 m, grants $4.2 m), $41,043 per covered job
| Item | Value | Distance |
|---|---|---|
| The Bank of Romney | $268.3 m · 55.2% share · 6 offices | |
| FNB Bank, Inc. | $217.3 m · 44.8% share · 5 offices | |
| Hampshire, WV | $172.3 m FY2026 · $41,043/job | |
| MULTIPLE RECIPIENTS | $165.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Bank of Romney | $268,297,000 | 55.2% | 6 |
| FNB Bank, Inc. | $217,349,000 | 44.8% | 5 |
Deposit concentration is 5,055 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 55.2² + 44.8² = 5,055
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 | $144,165,959 |
| Department of Veterans Affairs | $19,601,617 |
| Department of Transportation | $3,590,179 |
| Department of Agriculture | $2,227,702 |
| Railroad Retirement Board | $1,612,690 |
| Department of Housing and Urban Development | $625,612 |
| Federal Communications Commission | $433,938 |
| Department of Defense | $11,236 |
| Small Business Administration | $0 |
| Department of Health and Human Services | $0 |
| National Credit Union Administration | -$10,000 |
That is $41,043 per covered job, against 4,197 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $172.3 m / 4,197 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,043
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 #
Hampshire County, WV: 8 findings, 2 at a watch level and 6 noted
watchHampshire 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
watchHampshire County, WV's typical home value of $261,315 scores 59 on the 0-to-100 scale across US counties but 93 across West Virginia counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |59 across US counties - 93 across West Virginia counties|
position among the entities that published this metric this period; not an official level
noteHampshire County, WV'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
noteHampshire 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
noteHampshire County, WV's typical home value rose 0.7% from $259,565 in July 2026 to $261,315 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (261314.7450693904 - 259564.9974539883) / 259564.9974539883 × 100
- 261314.7450693904 = Zillow ZHVI, 2026-08
- 259564.9974539883 = Zillow ZHVI, 2026-07
Read all 8 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.