Hardy County, WV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.01, -78.84.
Assembled 2026-10-06. Read the brief.
- 46th pct · 1,642nd of 3,063 US counties · median $234,566
- 88th pct · 7th of 55 West Virginia counties · median $154,872
- 61st pct · 1,177th of 3,063 US counties · median +2.9%
- 62nd pct · 21st of 55 West Virginia counties · median +3.3%
- US counties: not published this period
- West Virginia counties: not published this period
- 42nd pct · 1,853rd of 3,221 US counties · median 8,232
- 51st pct · 27th of 55 West Virginia counties · median 5,555
- 40th pct · 1,924th of 3,221 US counties · median $1,039
- 38th pct · 34th of 55 West Virginia counties · median $1,076
- 51st pct · 1,484th of 3,063 US counties · median 4.3
- 87th pct · 8th of 55 West Virginia counties · median 2.8
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 $225,779 (Aug 2026), +4.0% over one year, +29.2% over five
- 46th pct · 1,642nd of 3,063 US counties · median $234,566
- 88th pct · 7th of 55 West Virginia counties · median $154,872
| Item | Value | Distance |
|---|---|---|
| Hardy County, WV | $225,779 · +4.0% 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
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 $1,236 a month on $225,779 at 7.28%, against an average weekly wage worth $4,316 a month: 28.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $225,779 × 80% = $180,623, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,236/mo principal and interest
- wage share = payment / (avg weekly wage $996 × 52 / 12 = $4,316) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $225,779 / ($996 × 52) = 4.4
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 #
6,089 jobs at 477 employers (2026 Q1); +0.4% jobs and +2.7% average weekly wage over the year
- 42nd pct · 1,853rd of 3,221 US counties · median 8,232
- 51st pct · 27th of 55 West Virginia counties · median 5,555
| Item | Value | Distance |
|---|---|---|
| Hardy County, WV | 6,089 jobs · $996/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,541 | $1,056 | 5.19 | +4.7% |
| Retail trade | 642 | $713 | 1.08 | -0.8% |
| Accommodation and food services | 336 | $355 | 0.61 | +5.3% |
| Transportation and warehousing | 214 | $1,502 | 0.83 | -4.5% |
| Administrative and waste services | 207 | $1,335 | 0.60 | -19.5% |
| Finance and insurance | 127 | $1,410 | 0.51 | +12.4% |
| Other services | 113 | $934 | 0.62 | +0.0% |
| Wholesale trade | 65 | $1,208 | 0.28 | +0.0% |
| Arts, entertainment and recreation | 42 | $391 | 0.42 | +31.2% |
| Real estate and rental | 25 | $1,016 | 0.27 | +13.6% |
| Agriculture, forestry, fishing | withheld | |||
| Construction | 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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$601.4 m in deposits at 10 offices of 4 banks (SOD June 2026); HHI 4,017, highly concentrated. $139.4 m federal obligations in FY2026 (direct payments $96.1 m, grants $42.9 m), $22,886 per covered job
| Item | Value | Distance |
|---|---|---|
| Burke & Herbert Bank & Trust Company | $337.1 m · 56.1% share · 4 offices | |
| Capon Valley Bank | $160.9 m · 26.8% share · 3 offices | |
| Pendleton Community Bank, Inc. | $65.5 m · 10.9% share · 2 offices | |
| Hardy, WV | $139.4 m FY2026 · $22,886/job | |
| MULTIPLE RECIPIENTS | $93.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Burke & Herbert Bank & Trust Company | $337,111,000 | 56.1% | 4 |
| Capon Valley Bank | $160,909,000 | 26.8% | 3 |
| Pendleton Community Bank, Inc. | $65,478,000 | 10.9% | 2 |
| The Grant County Bank | $37,853,000 | 6.3% | 1 |
Deposit concentration is 4,017 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 = 56.1² + 26.8² + 10.9² + … (1 more) = 4,017
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 | $82,681,506 |
| Department of Transportation | $40,692,696 |
| Department of Veterans Affairs | $9,964,613 |
| Department of Agriculture | $2,115,281 |
| Department of Health and Human Services | $1,536,718 |
| Department of Education | $783,133 |
| Railroad Retirement Board | $390,712 |
| Department of Energy | $375,000 |
| Department of Defense | $330,325 |
| Federal Communications Commission | $259,016 |
| Department of Housing and Urban Development | $222,218 |
| Department of the Interior | $0 |
That is $22,886 per covered job, against 6,089 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $139.4 m / 6,089 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,886
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 #
Hardy County, WV: 5 findings, 2 at a watch level and 3 noted
watchHardy County, WV's typical home value of $225,779 scores 46 on the 0-to-100 scale across US counties but 89 across West Virginia counties, a gap of 42 points.
Period 2026-08.Show the arithmetic
- 42 = |46 across US counties - 89 across West Virginia counties|
position among the entities that published this metric this period; not an official level
watchHardy County, WV's years of wages of 4.4 scores 52 on the 0-to-100 scale across US counties but 87 across West Virginia counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |52 across US counties - 87 across West Virginia counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteHardy County, WV's average weekly wage was 2.7% 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
- +2.7 % = 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
noteHardy County, WV's covered employment was 0.4% 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
- +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
noteThe next Zillow ZHVI typical home value (monthly) covering Hardy County, WV 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
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.