Guilford County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.08, -79.79.
Assembled 2026-10-19. Read the brief.
- 64th pct · 1,102nd of 3,063 US counties · median $230,451
- 51st pct · 49th of 100 North Carolina counties · median $270,749
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
- 21st pct · 2,395th of 3,062 US counties · median +2.9%
- 31st pct · 69th of 100 North Carolina counties · median +1.1%
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
- 43rd pct · 769th of 1,358 US counties · median $1,506
- 34th pct · 41st of 62 North Carolina counties · median $1,550
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
- 96th pct · 110th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 100 North Carolina counties · median 16,739
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
- 84th pct · 489th of 3,221 US counties · median $1,039
- 92nd pct · 8th of 100 North Carolina counties · median $984
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
- 47th pct · 1,621st of 3,063 US counties · median 4.2
- 32nd pct · 68th of 100 North Carolina counties · median 5.0
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point 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 $274,335 (Sep 2026), +0.1% over one year, +23.4% over five
- 64th pct · 1,102nd of 3,063 US counties · median $230,451
- 51st pct · 49th of 100 North Carolina counties · median $270,749
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Guilford County, NC | $274,335 · +0.1% 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 $1,429/mo (Sep 2026), +2.4% over one year; price-to-rent 16.0
- 43rd pct · 769th of 1,358 US counties · median $1,506
- 34th pct · 41st of 62 North Carolina counties · median $1,550
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Guilford County, NC | $1,429/mo · +2.4% 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 $1,520 a month on $274,335 at 7.40%, against an average weekly wage worth $5,633 a month: 27.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $274,335 × 80% = $219,468, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,520/mo principal and interest
- wage share = payment / (avg weekly wage $1,300 × 52 / 12 = $5,633) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $274,335 / ($1,300 × 52) = 4.1
- price-to-rent = $274,335 / ($1,429 × 12) = 16.0
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 #
289,649 jobs at 17,189 employers (2026 Q1); -0.5% jobs and +3.0% average weekly wage over the year
- 96th pct · 110th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 100 North Carolina counties · median 16,739
- counties in the Greensboro-High Point metro: Rank context is unavailable: the manifest lists 3 counties in the Greensboro-High Point metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Guilford County, NC | 289,649 jobs · $1,300/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 38,548 | $1,213 | 0.88 | -1.5% |
| Manufacturing | 30,478 | $1,586 | 1.31 | -3.3% |
| Retail trade | 29,890 | $807 | 1.06 | -4.1% |
| Accommodation and food services | 26,633 | $475 | 1.02 | -0.7% |
| Administrative and waste services | 23,331 | $1,000 | 1.42 | +2.1% |
| Wholesale trade | 19,406 | $1,690 | 1.75 | +1.2% |
| Transportation and warehousing | 18,600 | $1,138 | 1.52 | -3.9% |
| Professional and technical services | 15,834 | $1,857 | 0.79 | +6.3% |
| Construction | 14,133 | $1,523 | 0.93 | +2.9% |
| Finance and insurance | 9,498 | $2,926 | 0.80 | +6.5% |
| Other services | 7,264 | $978 | 0.84 | +0.7% |
| Educational services | 6,418 | $1,015 | 1.03 | +4.0% |
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 #
D2 severe drought
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$13.3 bn in deposits at 103 offices of 22 banks (SOD June 2026); HHI 1,250, moderately concentrated. $3.7 bn federal obligations in FY2026 (direct payments $3.5 bn, grants $200.3 m), $12,723 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $3.0 bn · 22.3% share · 16 offices | |
| Bank of America, National Association | $2.0 bn · 15.2% share · 10 offices | |
| Wells Fargo Bank, National Association | $2.0 bn · 15.0% share · 14 offices | |
| Guilford, NC | $3.7 bn FY2026 · $12,723/job | |
| MULTIPLE RECIPIENTS | $3.3 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $2,955,349,000 | 22.3% | 16 |
| Bank of America, National Association | $2,020,640,000 | 15.2% | 10 |
| Wells Fargo Bank, National Association | $1,994,777,000 | 15.0% | 14 |
| Pinnacle Bank | $1,763,694,000 | 13.3% | 10 |
| First-Citizens Bank & Trust Company | $811,045,000 | 6.1% | 8 |
| First Bank | $727,829,000 | 5.5% | 6 |
| Bank of Oak Ridge | $509,601,000 | 3.8% | 5 |
| Triad Business Bank | $430,747,000 | 3.2% | 2 |
| First National Bank of Pennsylvania | $383,642,000 | 2.9% | 5 |
| Carter Bank & Trust | $304,733,000 | 2.3% | 3 |
Deposit concentration is 1,250 across 22 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 22 banks with deposits in the county = 22.3² + 15.2² + 15.0² + … (19 more) = 1,250
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 | $2,558,733,463 |
| Department of Veterans Affairs | $371,625,472 |
| Department of Health and Human Services | $252,200,214 |
| Department of Education | $181,065,852 |
| Department of Transportation | $101,314,871 |
| Department of Housing and Urban Development | $86,510,075 |
| Department of Defense | $65,579,801 |
| Department of Agriculture | $27,807,217 |
| Department of Justice | $16,033,173 |
| National Science Foundation | $9,210,491 |
| Railroad Retirement Board | $5,957,716 |
| Federal Communications Commission | $3,949,950 |
That is $12,723 per covered job, against 289,649 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.7 bn / 289,649 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,723
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 #
Guilford County, NC: 9 findings, 1 at a watch level and 8 noted
watchGuilford County, NC's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGuilford County, NC's average weekly wage was 3.0% 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 % = 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
noteGuilford County, NC's covered employment was 0.5% 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
- -0.5 % = 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
noteGuilford County, NC's covered employment of 289,649 ranks 3rd of 100 North Carolina counties, against a median of 16,739.
Period 2026 Q1.Show the arithmetic
- 98 on the 0-to-100 scale across 100 North Carolina counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteGuilford County, NC's covered employment of 289,649 ranks 110th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 9 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.