Davidson County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.80, -80.21.
Assembled 2026-10-19. Read the brief.
- 63rd pct · 1,120th of 3,063 US counties · median $230,451
- 50th pct · 50th of 100 North Carolina counties · median $270,749
- 50th pct · 3rd of 5 counties in the Winston-Salem metro · median $273,458
- 50th pct · 1,530th of 3,062 US counties · median +2.9%
- 71st pct · 29th of 100 North Carolina counties · median +1.1%
- 25th pct · 4th of 5 counties in the Winston-Salem metro · median +3.2%
- 46th pct · 722nd of 1,358 US counties · median $1,506
- 42nd pct · 36th of 62 North Carolina counties · median $1,550
- counties in the Winston-Salem metro: only 4 of counties in the Winston-Salem metro published this metric; fewer than 5 is too few to rank
- 83rd pct · 538th of 3,221 US counties · median 8,232
- 80th pct · 20th of 100 North Carolina counties · median 16,739
- 75th pct · 2nd of 5 counties in the Winston-Salem metro · median 14,902
- 55th pct · 1,429th of 3,221 US counties · median $1,039
- 68th pct · 32nd of 100 North Carolina counties · median $984
- 75th pct · 2nd of 5 counties in the Winston-Salem metro · median $1,016
- 64th pct · 1,078th of 3,063 US counties · median 4.2
- 49th pct · 51st of 100 North Carolina counties · median 5.0
- 25th pct · 4th of 5 counties in the Winston-Salem metro · median 5.1
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 $273,458 (Sep 2026), +2.9% over one year, +31.9% over five
- 63rd pct · 1,120th of 3,063 US counties · median $230,451
- 50th pct · 50th of 100 North Carolina counties · median $270,749
- 50th pct · 3rd of 5 counties in the Winston-Salem metro · median $273,458
| Item | Value | Distance |
|---|---|---|
| Davidson County, NC | $273,458 · +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 $1,471/mo (Sep 2026), +3.8% over one year; price-to-rent 15.5
- 46th pct · 722nd of 1,358 US counties · median $1,506
- 42nd pct · 36th of 62 North Carolina counties · median $1,550
- counties in the Winston-Salem metro: only 4 of counties in the Winston-Salem metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Davidson County, NC | $1,471/mo · +3.8% 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 $1,515 a month on $273,458 at 7.40%, against an average weekly wage worth $4,611 a month: 32.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $273,458 × 80% = $218,766, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,515/mo principal and interest
- wage share = payment / (avg weekly wage $1,064 × 52 / 12 = $4,611) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $273,458 / ($1,064 × 52) = 4.9
- price-to-rent = $273,458 / ($1,471 × 12) = 15.5
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 #
46,957 jobs at 3,672 employers (2026 Q1); +1.3% jobs and +1.6% average weekly wage over the year
- 83rd pct · 538th of 3,221 US counties · median 8,232
- 80th pct · 20th of 100 North Carolina counties · median 16,739
- 75th pct · 2nd of 5 counties in the Winston-Salem metro · median 14,902
| Item | Value | Distance |
|---|---|---|
| Davidson County, NC | 46,957 jobs · $1,064/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,675 | $1,214 | 2.56 | -0.3% |
| Retail trade | 5,405 | $724 | 1.18 | +1.6% |
| Health care and social assistance | 5,038 | $1,183 | 0.71 | -2.3% |
| Accommodation and food services | 4,344 | $443 | 1.03 | -0.1% |
| Administrative and waste services | 3,648 | $883 | 1.37 | +5.2% |
| Construction | 2,621 | $1,066 | 1.06 | +0.6% |
| Wholesale trade | 2,213 | $1,166 | 1.23 | +8.6% |
| Transportation and warehousing | 1,466 | $1,140 | 0.74 | +1.6% |
| Professional and technical services | 1,347 | $1,397 | 0.42 | +31.5% |
| Other services | 1,207 | $784 | 0.86 | -8.1% |
| Management of companies | 1,200 | $2,953 | 1.53 | -1.5% |
| Arts, entertainment and recreation | 727 | $1,302 | 0.94 | +5.5% |
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 25 offices of 10 banks (SOD June 2026); HHI 1,988, highly concentrated. $1.1 bn federal obligations in FY2026 (direct payments $1.1 bn, grants $12.5 m), $23,585 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank of Pennsylvania | $902.8 m · 31.9% share · 8 offices | |
| Pinnacle Bank | $668.5 m · 23.6% share · 3 offices | |
| Truist Bank | $427.5 m · 15.1% share · 3 offices | |
| Davidson, NC | $1.1 bn FY2026 · $23,585/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank of Pennsylvania | $902,772,000 | 31.9% | 8 |
| Pinnacle Bank | $668,493,000 | 23.6% | 3 |
| Truist Bank | $427,491,000 | 15.1% | 3 |
| First Bank | $244,547,000 | 8.6% | 2 |
| Wells Fargo Bank, National Association | $230,844,000 | 8.2% | 2 |
| The Fidelity Bank | $133,217,000 | 4.7% | 2 |
| Bank OZK | $75,569,000 | 2.7% | 1 |
| HomeTrust Bank | $70,386,000 | 2.5% | 1 |
| Bank of America, National Association | $65,586,000 | 2.3% | 1 |
| Woodforest National Bank | $9,670,000 | 0.3% | 2 |
Deposit concentration is 1,988 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 31.9² + 23.6² + 15.1² + … (7 more) = 1,988
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 | $961,987,398 |
| Department of Veterans Affairs | $102,802,555 |
| Department of Education | $11,601,967 |
| Department of Transportation | $11,092,301 |
| Department of Housing and Urban Development | $10,390,725 |
| Railroad Retirement Board | $4,232,346 |
| Department of Agriculture | $2,070,713 |
| Department of Defense | $1,742,677 |
| Federal Communications Commission | $937,164 |
| Department of Justice | $241,477 |
| Department of the Treasury | $200,000 |
| Department of Health and Human Services | $179,095 |
That is $23,585 per covered job, against 46,957 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 46,957 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,585
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 #
Davidson County, NC: 6 findings, 6 noted
noteDavidson County, NC's average weekly wage was 1.6% 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
- +1.6 % = 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
noteDavidson County, NC's covered employment was 1.3% 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
- +1.3 % = 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
noteDavidson County, NC's typical asking rent rose 0.6% from $1,462 in August 2026 to $1,471 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.6% = (1471.3536989675097 - 1462.3479841689061) / 1462.3479841689061 × 100
- 1471.3536989675097 = Zillow ZORI, 2026-09
- 1462.3479841689061 = Zillow ZORI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Davidson County, NC is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering Davidson County, NC is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.