Morgan County, WV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.56, -78.26.
Assembled 2026-10-06. Read the brief.
- 71st pct · 877th of 3,063 US counties · median $234,566
- 96th pct · 3rd of 55 West Virginia counties · median $154,872
- counties in the Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg metro; fewer than 5 is too few to rank.
- 66th pct · 1,022nd of 3,063 US counties · median +2.9%
- 70th pct · 17th of 55 West Virginia counties · median +3.3%
- counties in the Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg 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 Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg metro; fewer than 5 is too few to rank.
- 25th pct · 2,390th of 3,221 US counties · median 8,232
- 27th pct · 40th of 55 West Virginia counties · median 5,555
- counties in the Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg metro; fewer than 5 is too few to rank.
- 21st pct · 2,522nd of 3,221 US counties · median $1,039
- 20th pct · 44th of 55 West Virginia counties · median $1,076
- counties in the Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg metro; fewer than 5 is too few to rank.
- 84th pct · 482nd of 3,063 US counties · median 4.3
- 100th pct · 1st of 55 West Virginia counties · median 2.8
- counties in the Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg 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 $309,767 (Aug 2026), +4.5% over one year, +40.0% over five
- 71st pct · 877th of 3,063 US counties · median $234,566
- 96th pct · 3rd of 55 West Virginia counties · median $154,872
- counties in the Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Morgan County, WV | $309,767 · +4.5% 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 Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg 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 $1,696 a month on $309,767 at 7.28%, against an average weekly wage worth $3,952 a month: 42.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $309,767 × 80% = $247,813, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,696/mo principal and interest
- wage share = payment / (avg weekly wage $912 × 52 / 12 = $3,952) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $309,767 / ($912 × 52) = 6.5
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 #
3,151 jobs at 421 employers (2026 Q1); +4.5% jobs and +0.7% average weekly wage over the year
- 25th pct · 2,390th of 3,221 US counties · median 8,232
- 27th pct · 40th of 55 West Virginia counties · median 5,555
- counties in the Hagerstown-Martinsburg metro: Rank context is unavailable: the manifest lists 3 counties in the Hagerstown-Martinsburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Morgan County, WV | 3,151 jobs · $912/wk · +4.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 469 | $726 | 1.53 | +0.9% |
| Accommodation and food services | 294 | $402 | 1.04 | +10.9% |
| Manufacturing | 251 | $929 | 0.99 | -0.8% |
| Construction | 120 | $1,045 | 0.73 | -0.8% |
| Other services | 100 | $603 | 1.06 | +3.1% |
| Finance and insurance | 82 | $1,749 | 0.64 | +0.0% |
| Administrative and waste services | 81 | $814 | 0.45 | +0.0% |
| Information | 64 | $885 | 1.10 | +4.9% |
| Wholesale trade | 31 | $1,934 | 0.26 | -6.1% |
| Arts, entertainment and recreation | 29 | $310 | 0.56 | +45.0% |
| Real estate and rental | 26 | $815 | 0.54 | +4.0% |
| Unclassified | 5 | $548 | 0.75 | +100.0% |
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.
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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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 |
|---|---|---|
| SAVAGE RIVER RESERVOIR NEAR BLOOMINGTON, MD | 1,442 ft (USGS, no capacity on file) | 76 km |
| JENNINGS RANDOLPH LAKE NEAR ELK GARDEN, WV | 1,446 ft (USGS, no capacity on file) | 76 km |
| DEEP CREEK LAKE NEAR THAYERVILLE, MD | 2,459 ft (USGS, no capacity on file) | 89 km |
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 100 km |
| Indian Rock Dam near York, PA | 372.2 ft (USGS, no capacity on file) | 135 km |
| Loyalhanna Creek Lake, PA | 3,652 Acre-ft (USGS, no capacity on file) | 143 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 #
94 gauges · 0 flooding · 27 with quality panels averaging 100 % · 35 stale
Sites found: 94, 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 |
|---|---|---|
| CACAPON RIVER NEAR GREAT CACAPON, WV | flow 77.0 ft³/s · quality 100 % (4) · no flooding | 5 km |
| WARM SPRINGS RUN NEAR BERKELEY SPRINGS, WV | flow 1.67 ft³/s · no flooding | 10 km |
| SIDELING HILL CREEK NEAR BELLEGROVE, MD | flow 0.91 ft³/s · no flooding | 13 km |
| POTOMAC RIVER AT HANCOCK, MD | flow 777.0 ft³/s · no flooding | 17 km |
| POTOMAC RIVER AT PAW PAW, WV | flow 684.0 ft³/s · no flooding | 17 km |
| TONOLOWAY CREEK NEAR HANCOCK, MD | flow 5.48 ft³/s | 19 km |
| BACK CREEK NEAR JONES SPRINGS, WV | flow 9.40 ft³/s · no flooding | 19 km |
| TUSCARORA CK AT HAMMOND FARM NR MARTINSBURG, WV | stage 2.62 ft · quality 100 % (1) · STALE | 22 km |
| LICKING CREEK AT PECTONVILLE, MD | flow 21.1 ft³/s · no flooding | 23 km |
| TOWN CREEK NEAR OLDTOWN, MD | flow 10.5 ft³/s · no flooding | 26 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 #
44 wells in 0 named aquifers:
Sites found: 44, 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-393043078174001 | depth 32.0 ft · 1999-01-24 | 6 km |
| USGS-394024078273401 | depth 5.02 ft · 2012-10-21 | 22 km |
| USGS-392725077582401 | depth 45.7 ft · 2026-10-05 | 27 km |
| USGS-394755078135001 | depth 51.2 ft · 2026-10-05 | 27 km |
| USGS-391757078095402 | depth 26.2 ft · 2009-09-20 | 30 km |
| USGS-391920078032201 | depth 33.3 ft · 2026-10-05 | 31 km |
| USGS-391533078052401 | depth 46.9 ft · 2009-09-20 | 36 km |
| USGS-392104077554801 | depth 23.4 ft · 2026-10-05 | 36 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 #
$434.1 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 5,539, highly concentrated. $145.2 m federal obligations in FY2026 (direct payments $137.2 m, contracts $4.7 m), $46,073 per covered job
| Item | Value | Distance |
|---|---|---|
| CNB Bank, Inc. | $312.3 m · 71.9% share · 2 offices | |
| Truist Bank | $75.0 m · 17.3% share · 1 office | |
| City National Bank of West Virginia | $31.6 m · 7.3% share · 1 office | |
| Morgan, WV | $145.2 m FY2026 · $46,073/job | |
| MULTIPLE RECIPIENTS | $137.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| CNB Bank, Inc. | $312,284,000 | 71.9% | 2 |
| Truist Bank | $74,955,000 | 17.3% | 1 |
| City National Bank of West Virginia | $31,645,000 | 7.3% | 1 |
| The Bank of Romney | $15,188,000 | 3.5% | 1 |
Deposit concentration is 5,539 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 = 71.9² + 17.3² + 7.3² + … (1 more) = 5,539
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 | $118,009,357 |
| Department of Veterans Affairs | $21,255,119 |
| Department of Transportation | $2,200,655 |
| Railroad Retirement Board | $1,908,074 |
| Department of Health and Human Services | $730,333 |
| Department of Agriculture | $317,915 |
| Department of Homeland Security | $313,500 |
| Federal Communications Commission | $226,576 |
| Department of State | $209,435 |
| Department of Justice | $5,616 |
| Department of Defense | $0 |
| Small Business Administration | $0 |
That is $46,073 per covered job, against 3,151 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $145.2 m / 3,151 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $46,073
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 #
Morgan County, WV: 8 findings, 8 noted
noteMorgan County, WV's covered employment was 4.5% 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
- +4.5 % = 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
noteMorgan County, WV's average weekly wage was 0.7% 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
- +0.7 % = 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
noteMorgan County, WV's typical home value rose 0.5% from $308,180 in July 2026 to $309,767 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (309766.51670235343 - 308180.15563192964) / 308180.15563192964 × 100
- 309766.51670235343 = Zillow ZHVI, 2026-08
- 308180.15563192964 = Zillow ZHVI, 2026-07
noteMorgan County, WV's years of wages of 6.5 ranks 1st of 55 West Virginia counties, against a median of 2.8.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 55 West Virginia counties that published yearsOfWages
- 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
noteMorgan County, WV's typical home value of $309,767 ranks 3rd of 55 West Virginia counties, against a median of $154,872.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 55 West Virginia counties that published home.latest
position among the entities that published this metric this period; not an official level
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.