Marshall County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.31, -86.32.
Assembled 2026-10-19. Read the brief.
- 52nd pct · 1,445th of 3,063 US counties · median $230,451
- 83rd pct · 12th of 67 Alabama counties · median $177,293
- 50th pct · 1,519th of 3,062 US counties · median +2.9%
- 54th pct · 31st of 67 Alabama counties · median +2.4%
- 42nd pct · 777th of 1,358 US counties · median $1,506
- 61st pct · 11th of 27 Alabama counties · median $1,378
- 81st pct · 590th of 3,221 US counties · median 8,232
- 83rd pct · 12th of 67 Alabama counties · median 10,118
- 38th pct · 1,977th of 3,221 US counties · median $1,039
- 37th pct · 42nd of 67 Alabama counties · median $1,024
- 59th pct · 1,237th of 3,063 US counties · median 4.2
- 84th pct · 11th of 67 Alabama counties · median 3.3
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 $240,091 (Sep 2026), +2.9% over one year, +20.7% over five
- 52nd pct · 1,445th of 3,063 US counties · median $230,451
- 83rd pct · 12th of 67 Alabama counties · median $177,293
| Item | Value | Distance |
|---|---|---|
| Marshall County, AL | $240,091 · +2.9% 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 $1,425/mo (Sep 2026), -0.5% over one year; price-to-rent 14.0
- 42nd pct · 777th of 1,358 US counties · median $1,506
- 61st pct · 11th of 27 Alabama counties · median $1,378
| Item | Value | Distance |
|---|---|---|
| Marshall County, AL | $1,425/mo · -0.5% 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 $1,330 a month on $240,091 at 7.40%, against an average weekly wage worth $4,281 a month: 31.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $240,091 × 80% = $192,073, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,330/mo principal and interest
- wage share = payment / (avg weekly wage $988 × 52 / 12 = $4,281) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $240,091 / ($988 × 52) = 4.7
- price-to-rent = $240,091 / ($1,425 × 12) = 14.0
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 #
41,300 jobs at 2,765 employers (2026 Q1); +1.1% jobs and +3.9% average weekly wage over the year
- 81st pct · 590th of 3,221 US counties · median 8,232
- 83rd pct · 12th of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Marshall County, AL | 41,300 jobs · $988/wk · +1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 12,659 | $1,052 | 3.81 | -1.0% |
| Retail trade | 5,302 | $703 | 1.32 | -0.3% |
| Accommodation and food services | 3,646 | $386 | 0.98 | +2.6% |
| Health care and social assistance | 3,110 | $1,002 | 0.50 | +1.3% |
| Administrative and waste services | 2,044 | $672 | 0.87 | +8.8% |
| Construction | 1,383 | $1,291 | 0.64 | +0.0% |
| Transportation and warehousing | 1,241 | $1,131 | 0.71 | +2.8% |
| Wholesale trade | 1,076 | $1,260 | 0.68 | +3.5% |
| Finance and insurance | 866 | $1,648 | 0.51 | +3.2% |
| Professional and technical services | 833 | $1,525 | 0.29 | +10.3% |
| Other services | 482 | $853 | 0.39 | -14.1% |
| Arts, entertainment and recreation | 376 | $363 | 0.55 | +5.3% |
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 #
D0 abnormally dry
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 #
$2.8 bn in deposits at 34 offices of 17 banks (SOD June 2026); HHI 1,466, moderately concentrated. $618.0 m federal obligations in FY2026 (direct payments $592.4 m, grants $23.7 m), $14,965 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank & Trust | $835.5 m · 29.8% share · 3 offices | |
| Regions Bank | $398.8 m · 14.2% share · 3 offices | |
| The Huntington National Bank | $294.6 m · 10.5% share · 5 offices | |
| Marshall, AL | $618.0 m FY2026 · $14,965/job | |
| MULTIPLE RECIPIENTS | $576.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank & Trust | $835,523,000 | 29.8% | 3 |
| Regions Bank | $398,790,000 | 14.2% | 3 |
| The Huntington National Bank | $294,583,000 | 10.5% | 5 |
| Peoples Bank of Alabama | $234,369,000 | 8.3% | 5 |
| Wells Fargo Bank, National Association | $211,415,000 | 7.5% | 2 |
| First Bank of Boaz | $208,012,000 | 7.4% | 1 |
| Peoples Independent Bank | $187,841,000 | 6.7% | 2 |
| SouthPoint Bank | $116,877,000 | 4.2% | 1 |
| First Southern State Bank | $109,351,000 | 3.9% | 1 |
| Liberty Bank | $60,279,000 | 2.1% | 2 |
Deposit concentration is 1,466 across 17 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 17 banks with deposits in the county = 29.8² + 14.2² + 10.5² + … (14 more) = 1,466
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 | $490,416,180 |
| Department of Veterans Affairs | $84,923,241 |
| Department of Housing and Urban Development | $14,134,149 |
| Department of Transportation | $12,405,071 |
| Department of Education | $9,678,392 |
| Department of Agriculture | $2,093,975 |
| Railroad Retirement Board | $1,499,296 |
| Department of Defense | $1,415,576 |
| Department of Health and Human Services | $832,800 |
| Federal Communications Commission | $519,151 |
| Department of Justice | $117,750 |
| National Aeronautics and Space Administration | $68,626 |
That is $14,965 per covered job, against 41,300 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $618.0 m / 41,300 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,965
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 #
Marshall County, AL: 10 findings, 4 at a watch level and 6 noted
watchMarshall County, AL's typical asking rent is -4.9% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-09.Show the arithmetic
- test: rent.momPct = -4.900569710885279 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchMarshall County, AL's typical asking rent fell 4.9% from $1,499 in August 2026 to $1,425 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -4.9% = (1425.2777777777776 - 1498.7237814619357) / 1498.7237814619357 × 100
- 1425.2777777777776 = Zillow ZORI, 2026-09
- 1498.7237814619357 = Zillow ZORI, 2026-08
watchMarshall County, AL's price-to-rent ratio of 14.0 scores 19 on the 0-to-100 scale across US counties but 50 across Alabama counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |19 across US counties - 50 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
watchMarshall County, AL's typical home value of $240,091 scores 53 on the 0-to-100 scale across US counties but 83 across Alabama counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |53 across US counties - 83 across Alabama counties|
position among the entities that published this metric this period; not an official level
noteMarshall County, AL's average weekly wage was 3.9% 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
- +3.9 % = 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.