Pendleton County, WV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.67, -79.34.
Assembled 2026-10-06. Read the brief.
- 43rd pct · 1,716th of 3,063 US counties · median $234,566
- 87th pct · 8th of 55 West Virginia counties · median $154,872
- 95th pct · 137th of 3,063 US counties · median +2.9%
- 96th pct · 3rd of 55 West Virginia counties · median +3.3%
- US counties: not published this period
- West Virginia counties: not published this period
- 11th pct · 2,853rd of 3,221 US counties · median 8,232
- 7th pct · 51st of 55 West Virginia counties · median 5,555
- 9th pct · 2,926th of 3,221 US counties · median $1,039
- 7th pct · 51st of 55 West Virginia counties · median $1,076
- 65th pct · 1,054th of 3,063 US counties · median 4.3
- 92nd pct · 5th 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 $219,491 (Aug 2026), +9.8% over one year, +41.4% over five
- 43rd pct · 1,716th of 3,063 US counties · median $234,566
- 87th pct · 8th of 55 West Virginia counties · median $154,872
| Item | Value | Distance |
|---|---|---|
| Pendleton County, WV | $219,491 · +9.8% 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 $1,201 a month on $219,491 at 7.28%, against an average weekly wage worth $3,601 a month: 33.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $219,491 × 80% = $175,593, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,201/mo principal and interest
- wage share = payment / (avg weekly wage $831 × 52 / 12 = $3,601) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $219,491 / ($831 × 52) = 5.1
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 #
1,506 jobs at 232 employers (2026 Q1); +4.1% jobs and -2.5% average weekly wage over the year
- 11th pct · 2,853rd of 3,221 US counties · median 8,232
- 7th pct · 51st of 55 West Virginia counties · median 5,555
| Item | Value | Distance |
|---|---|---|
| Pendleton County, WV | 1,506 jobs · $831/wk · +4.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 143 | $512 | 0.97 | +8.3% |
| Accommodation and food services | 97 | $257 | 0.72 | +0.0% |
| Transportation and warehousing | 90 | $1,281 | 1.42 | +2.3% |
| Arts, entertainment and recreation | 30 | $320 | 1.21 | +0.0% |
| Professional and technical services | 28 | $1,477 | 0.27 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Information | 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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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) | 86 km |
| DEEP CREEK LAKE NEAR THAYERVILLE, MD | 2,459 ft (USGS, no capacity on file) | 93 km |
| SAVAGE RIVER RESERVOIR NEAR BLOOMINGTON, MD | 1,442 ft (USGS, no capacity on file) | 94 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 · 35 with quality panels averaging 99 % · 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 |
|---|---|---|
| SOUTH BRANCH POTOMAC RIVER AT FRANKLIN, WV | flow 32.9 ft³/s · no flooding | 4 km |
| S F SOUTH BRANCH POTOMAC RIVER AT BRANDYWINE, WV | flow 12.4 ft³/s · no flooding | 10 km |
| Hone Quarry Run above Hone Quarry Dam | out of service | 28 km |
| DRY FORK AT JOB, WV | stage 1.76 ft · no flooding | 29 km |
| 18 miles NNE of Test Site 8 | out of service | 31 km |
| RED CREEK AT LANEVILLE, WV | stage 1.54 ft · quality 83 % (3) | 34 km |
| N F SOUTH BRANCH POTOMAC RIVER AT CABINS, WV | flow 79.9 ft³/s | 36 km |
| SHAVERS FORK AT BEMIS, WV | stage 3.64 ft · quality 100 % (1) · no flooding | 37 km |
| BEAVER CREEK NEAR OTTOBINE, VA | stage 1.68 ft · quality 100 % (1) · STALE | 38 km |
| SOUTH BRANCH POTOMAC RIVER NEAR PETERSBURG, WV | flow 314.0 ft³/s · no flooding | 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 #
19 wells in 0 named aquifers:
Sites found: 19, 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-383211078574002 | level 1,590 ft · 1997-09-29 | 36 km |
| USGS-383211078574001 | level 1,592 ft · 1997-09-29 | 36 km |
| USGS-383211078573201 | level 1,561 ft · 1997-09-29 | 37 km |
| USGS-383155078571202 | level 1,517 ft · 1997-09-29 | 37 km |
| USGS-383155078571201 | level 1,517 ft · 1997-09-29 | 37 km |
| USGS-383152078570902 | level 1,513 ft · 1997-09-29 | 37 km |
| USGS-390122079264301 | depth 29.8 ft · 1993-06-07 | 40 km |
| USGS-390121079274901 | depth 18.8 ft · 1993-06-08 | 40 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 #
$253.8 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 5,385, highly concentrated. $56.9 m federal obligations in FY2026 (direct payments $53.3 m, grants $3.3 m), $37,757 per covered job
| Item | Value | Distance |
|---|---|---|
| Pendleton Community Bank, Inc. | $175.3 m · 69.1% share · 1 office | |
| Burke & Herbert Bank & Trust Company | $60.0 m · 23.7% share · 1 office | |
| The Grant County Bank | $18.4 m · 7.3% share · 1 office | |
| Pendleton, WV | $56.9 m FY2026 · $37,757/job | |
| MULTIPLE RECIPIENTS | $52.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pendleton Community Bank, Inc. | $175,305,000 | 69.1% | 1 |
| Burke & Herbert Bank & Trust Company | $60,033,000 | 23.7% | 1 |
| The Grant County Bank | $18,424,000 | 7.3% | 1 |
Deposit concentration is 5,385 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 69.1² + 23.7² + 7.3² = 5,385
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 | $46,915,594 |
| Department of Veterans Affairs | $5,251,660 |
| Department of Transportation | $3,332,519 |
| Department of Agriculture | $635,686 |
| Department of Housing and Urban Development | $337,540 |
| Department of Defense | $258,047 |
| Railroad Retirement Board | $105,829 |
| Federal Communications Commission | $80,419 |
| Department of Health and Human Services | $20,000 |
| Department of Education | $2,769 |
| Department of Justice | -$77,356 |
That is $37,757 per covered job, against 1,506 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $56.9 m / 1,506 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,757
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 #
Pendleton County, WV: 14 findings, 2 at a watch level and 12 noted
watchPendleton County, WV's average weekly wage is -2.5% 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 = -2.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchPendleton County, WV's typical home value of $219,491 scores 44 on the 0-to-100 scale across US counties but 87 across West Virginia counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |44 across US counties - 87 across West Virginia counties|
position among the entities that published this metric this period; not an official level
notePendleton County, WV's covered employment was 4.1% 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
- +4.1 % = 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
notePendleton County, WV's average weekly wage was 2.5% 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
- -2.5 % = 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
notePendleton County, WV's typical home value of +9.8% ranks 3rd of 55 West Virginia counties, against a median of +3.3%.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 55 West Virginia counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 12 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.