Calhoun County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.77, -85.83.
Assembled 2026-10-19. Read the brief.
- 24th pct · 2,300th of 3,063 US counties · median $230,451
- 43rd pct · 38th of 67 Alabama counties · median $177,293
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
- 68th pct · 974th of 3,062 US counties · median +2.9%
- 80th pct · 14th of 67 Alabama counties · median +2.4%
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
- 5th pct · 1,283rd of 1,358 US counties · median $1,506
- 3rd pct · 26th of 27 Alabama counties · median $1,378
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
- 82nd pct · 577th of 3,221 US counties · median 8,232
- 84th pct · 11th of 67 Alabama counties · median 10,118
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
- 48th pct · 1,669th of 3,221 US counties · median $1,039
- 51st pct · 33rd of 67 Alabama counties · median $1,024
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
- 25th pct · 2,281st of 3,063 US counties · median 4.2
- 45th pct · 37th of 67 Alabama counties · median 3.3
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford 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 $170,425 (Sep 2026), +4.4% over one year, +14.0% over five
- 24th pct · 2,300th of 3,063 US counties · median $230,451
- 43rd pct · 38th of 67 Alabama counties · median $177,293
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calhoun County, AL | $170,425 · +4.4% 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 #
Typical rent $965/mo (Sep 2026), +3.2% over one year; price-to-rent 14.7
- 5th pct · 1,283rd of 1,358 US counties · median $1,506
- 3rd pct · 26th of 27 Alabama counties · median $1,378
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calhoun County, AL | $965/mo · +3.2% 1-yr |
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 $944 a month on $170,425 at 7.40%, against an average weekly wage worth $4,468 a month: 21.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $170,425 × 80% = $136,340, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $944/mo principal and interest
- wage share = payment / (avg weekly wage $1,031 × 52 / 12 = $4,468) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $170,425 / ($1,031 × 52) = 3.2
- price-to-rent = $170,425 / ($965 × 12) = 14.7
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 #
43,043 jobs at 2,982 employers (2026 Q1); -0.2% jobs and +2.7% average weekly wage over the year
- 82nd pct · 577th of 3,221 US counties · median 8,232
- 84th pct · 11th of 67 Alabama counties · median 10,118
- counties in the Anniston-Oxford metro: Rank context is unavailable: the manifest lists 1 counties in the Anniston-Oxford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calhoun County, AL | 43,043 jobs · $1,031/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 6,341 | $1,346 | 1.83 | -0.1% |
| Retail trade | 5,848 | $682 | 1.39 | -0.9% |
| Accommodation and food services | 5,028 | $410 | 1.30 | +4.8% |
| Health care and social assistance | 4,015 | $988 | 0.62 | -1.3% |
| Administrative and waste services | 1,914 | $891 | 0.78 | -0.9% |
| Wholesale trade | 1,534 | $1,324 | 0.93 | -3.6% |
| Transportation and warehousing | 1,343 | $885 | 0.74 | +31.3% |
| Professional and technical services | 1,005 | $1,145 | 0.34 | -4.2% |
| Other services | 946 | $785 | 0.74 | -1.7% |
| Finance and insurance | 830 | $1,544 | 0.47 | +1.1% |
| Real estate and rental | 438 | $885 | 0.66 | -0.2% |
| Arts, entertainment and recreation | 296 | $433 | 0.42 | -0.3% |
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 #
$2.1 bn in deposits at 32 offices of 11 banks (SOD June 2026); HHI 1,373, moderately concentrated. $1.1 bn federal obligations in FY2026 (direct payments $799.0 m, contracts $250.2 m), $25,289 per covered job
| Item | Value | Distance |
|---|---|---|
| Regions Bank | $484.3 m · 22.6% share · 6 offices | |
| NobleBank & Trust | $323.9 m · 15.1% share · 4 offices | |
| Wells Fargo Bank, National Association | $304.7 m · 14.2% share · 3 offices | |
| Calhoun, AL | $1.1 bn FY2026 · $25,289/job | |
| MULTIPLE RECIPIENTS | $761.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Regions Bank | $484,286,000 | 22.6% | 6 |
| NobleBank & Trust | $323,851,000 | 15.1% | 4 |
| Wells Fargo Bank, National Association | $304,724,000 | 14.2% | 3 |
| Farmers and Merchants Bank | $255,054,000 | 11.9% | 4 |
| Investar Bank, National Association | $235,830,000 | 11.0% | 3 |
| Truist Bank | $185,950,000 | 8.7% | 3 |
| FirstBank | $157,851,000 | 7.4% | 1 |
| PNC Bank, National Association | $98,319,000 | 4.6% | 2 |
| First Bank of Alabama | $94,527,000 | 4.4% | 3 |
| Woodforest National Bank | $3,146,000 | 0.1% | 2 |
Deposit concentration is 1,373 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 22.6² + 15.1² + 14.2² + … (8 more) = 1,373
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 | $606,547,179 |
| Department of Defense | $185,289,532 |
| Department of Veterans Affairs | $152,914,860 |
| Department of Homeland Security | $59,777,105 |
| Department of Education | $26,484,549 |
| Department of Transportation | $24,192,805 |
| Department of Housing and Urban Development | $16,007,439 |
| Department of Agriculture | $3,813,791 |
| Department of Health and Human Services | $3,765,536 |
| Railroad Retirement Board | $2,557,742 |
| Department of Commerce | $2,000,000 |
| Department of the Interior | $1,777,776 |
That is $25,289 per covered job, against 43,043 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 43,043 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,289
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Calhoun County, AL: 10 findings, 2 at a watch level and 8 noted
watchCalhoun County, AL's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCalhoun County, AL's price-to-rent ratio of 14.7 scores 25 on the 0-to-100 scale across US counties but 58 across Alabama counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |25 across US counties - 58 across Alabama counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteCalhoun County, AL'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
noteCalhoun County, AL's typical asking rent fell 0.4% from $969 in August 2026 to $965 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.4% = (964.9215686274509 - 968.7085976858226) / 968.7085976858226 × 100
- 964.9215686274509 = Zillow ZORI, 2026-09
- 968.7085976858226 = Zillow ZORI, 2026-08
noteCalhoun County, AL's covered employment was 0.2% 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
- -0.2 % = 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 10 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.