Iredell County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.81, -80.87.
Assembled 2026-10-19. Read the brief.
- 84th pct · 483rd of 3,063 US counties · median $230,451
- 77th pct · 23rd of 100 North Carolina counties · median $270,749
- 70th pct · 4th of 11 counties in the Charlotte-Concord-Gastonia metro · median $380,437
- 24th pct · 2,316th of 3,062 US counties · median +2.9%
- 36th pct · 64th of 100 North Carolina counties · median +1.1%
- 90th pct · 2nd of 11 counties in the Charlotte-Concord-Gastonia metro · median -0.3%
- 67th pct · 441st of 1,358 US counties · median $1,506
- 73rd pct · 17th of 62 North Carolina counties · median $1,550
- 62nd pct · 4th of 9 counties in the Charlotte-Concord-Gastonia metro · median $1,732
- 88th pct · 356th of 3,221 US counties · median 8,232
- 87th pct · 13th of 100 North Carolina counties · median 16,739
- 60th pct · 5th of 11 counties in the Charlotte-Concord-Gastonia metro · median 79,207
- 84th pct · 494th of 3,221 US counties · median $1,039
- 91st pct · 9th of 100 North Carolina counties · median $984
- 60th pct · 5th of 11 counties in the Charlotte-Concord-Gastonia metro · median $1,230
- 75th pct · 742nd of 3,063 US counties · median 4.2
- 60th pct · 40th of 100 North Carolina counties · median 5.0
- 70th pct · 4th of 11 counties in the Charlotte-Concord-Gastonia metro · median 5.3
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 $383,806 (Sep 2026), +0.4% over one year, +21.7% over five
- 84th pct · 483rd of 3,063 US counties · median $230,451
- 77th pct · 23rd of 100 North Carolina counties · median $270,749
- 70th pct · 4th of 11 counties in the Charlotte-Concord-Gastonia metro · median $380,437
| Item | Value | Distance |
|---|---|---|
| Iredell County, NC | $383,806 · +0.4% 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 $1,733/mo (Sep 2026), +2.9% over one year; price-to-rent 18.5
- 67th pct · 441st of 1,358 US counties · median $1,506
- 73rd pct · 17th of 62 North Carolina counties · median $1,550
- 62nd pct · 4th of 9 counties in the Charlotte-Concord-Gastonia metro · median $1,732
| Item | Value | Distance |
|---|---|---|
| Iredell County, NC | $1,733/mo · +2.9% 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 $2,126 a month on $383,806 at 7.40%, against an average weekly wage worth $5,629 a month: 37.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $383,806 × 80% = $307,045, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,126/mo principal and interest
- wage share = payment / (avg weekly wage $1,299 × 52 / 12 = $5,629) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $383,806 / ($1,299 × 52) = 5.7
- price-to-rent = $383,806 / ($1,733 × 12) = 18.5
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 #
80,781 jobs at 7,416 employers (2026 Q1); +0.9% jobs and +4.9% average weekly wage over the year
- 88th pct · 356th of 3,221 US counties · median 8,232
- 87th pct · 13th of 100 North Carolina counties · median 16,739
- 60th pct · 5th of 11 counties in the Charlotte-Concord-Gastonia metro · median 79,207
| Item | Value | Distance |
|---|---|---|
| Iredell County, NC | 80,781 jobs · $1,299/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 12,382 | $804 | 1.57 | +3.2% |
| Manufacturing | 11,532 | $1,389 | 1.77 | -0.6% |
| Health care and social assistance | 7,844 | $1,038 | 0.65 | -0.9% |
| Accommodation and food services | 7,548 | $445 | 1.04 | -4.0% |
| Management of companies | 4,153 | $3,542 | 3.07 | +5.8% |
| Administrative and waste services | 4,072 | $1,005 | 0.89 | -5.3% |
| Wholesale trade | 3,746 | $2,105 | 1.21 | +1.7% |
| Professional and technical services | 3,175 | $1,839 | 0.57 | -0.2% |
| Arts, entertainment and recreation | 2,541 | $1,398 | 1.91 | +3.0% |
| Other services | 2,285 | $929 | 0.95 | +1.6% |
| Transportation and warehousing | 1,637 | $1,266 | 0.48 | -5.3% |
| Finance and insurance | 1,499 | $2,897 | 0.46 | +7.2% |
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 #
7 USGS reservoir gauges, no capacity figures to weight
Sites found: 7, 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 |
|---|---|---|
| W. KERR SCOTT RESERVOIR AT DAM NR WILKESBORO, NC | 30.2 ft (USGS, no capacity on file) | 48 km |
| GASTON SHOALS RESERVOIR ABOVE BLACKSBURG, SC | 94.0 ft (USGS, no capacity on file) | 99 km |
| NINETYNINE ISLAND RES. BELOW CHEROKEE FALLS, SC | 99.4 ft (USGS, no capacity on file) | 103 km |
| LAKE BLALOCK NEAR COWPENS, SC | 710.1 ft (USGS, no capacity on file) | 123 km |
| LAKE WILLIAM C. BOWEN NEAR FINGERVILLE, SC | 815.1 ft (USGS, no capacity on file) | 131 km |
| NEAL SHOALS RESERVOIR NEAR CARLISLE, SC | 331.9 ft (USGS, no capacity on file) | 137 km |
| LITTLE RIVER RESERVOIR NEAR RADFORD, VA | 231.0 Acre-ft (USGS, no capacity on file) | 144 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 #
115 gauges · 0 flooding · 6 with quality panels averaging 100 % · 20 stale
Sites found: 115, 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 |
|---|---|---|
| NORWOOD CREEK NR TROUTMAN, NC | flow 1.80 ft³/s · STALE | 15 km |
| BALLS CREEK NEAR LONG ISLAND, NC | flow 14.0 ft³/s · STALE | 18 km |
| SOUTH YADKIN RIVER NEAR MOCKSVILLE, NC | flow 131.0 ft³/s · no flooding | 20 km |
| CATAWBA RIVER BL LOOKOUT SHOALS DAM NR SHARON, NC | flow 838.0 ft³/s · quality 100 % (2) · no flooding | 20 km |
| HUNTING CREEK NEAR HARMONY, NC | flow 69.7 ft³/s · no flooding | 25 km |
| SECOND CREEK NEAR BARBER, NC | flow 52.9 ft³/s · no flooding | 27 km |
| CATAWBA RIVER AT NC HIGHWAY 16 NR MILLERSVILLE, NC | flow 2,590 ft³/s · quality 100 % (2) · no flooding | 29 km |
| Lyle Creek at Section House Rd 2 NW Conover | no flooding | 35 km |
| CODDLE CR AT SR 1612 NEAR DAVIDSON, NC | flow 3.66 ft³/s · no flooding | 36 km |
| LOWER LITTLE RIVER NR ALL HEALING SPRINGS, NC | flow 17.8 ft³/s · no flooding | 36 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 #
12 wells in 0 named aquifers:
Sites found: 12, 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-354616081085101 | depth 41.6 ft · 2026-10-18 | 25 km |
| USGS-354616081085102 | depth 41.8 ft · 2026-10-18 | 25 km |
| USGS-354057080362601 | depth 7.26 ft · 2026-10-18 | 28 km |
| USGS-355359080331701 | depth 18.8 ft · 2026-10-18 | 31 km |
| USGS-353135080524202 | depth 23.0 ft · 2026-10-18 | 31 km |
| USGS-353135080524203 | depth 28.2 ft · 2026-10-18 | 31 km |
| USGS-353135080524201 | depth 23.0 ft · 2026-10-18 | 31 km |
| USGS-355031081243202 | depth 7.00 ft · 2026-10-18 | 48 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$4.7 bn in deposits at 41 offices of 19 banks (SOD June 2026); HHI 953, unconcentrated. $1.4 bn federal obligations in FY2026 (direct payments $1.2 bn, contracts $119.5 m), $17,590 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $761.0 m · 16.2% share · 5 offices | |
| Truist Bank | $623.9 m · 13.3% share · 4 offices | |
| Bank of America, National Association | $544.7 m · 11.6% share · 3 offices | |
| Iredell, NC | $1.4 bn FY2026 · $17,590/job | |
| MULTIPLE RECIPIENTS | $1.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $761,002,000 | 16.2% | 5 |
| Truist Bank | $623,927,000 | 13.3% | 4 |
| Bank of America, National Association | $544,677,000 | 11.6% | 3 |
| BlueHarbor Bank | $526,724,000 | 11.2% | 2 |
| First National Bank of Pennsylvania | $475,130,000 | 10.1% | 4 |
| Fifth Third Bank, National Association | $303,680,000 | 6.5% | 2 |
| Pinnacle Bank | $279,916,000 | 6.0% | 1 |
| First-Citizens Bank & Trust Company | $267,980,000 | 5.7% | 2 |
| First Horizon Bank | $178,512,000 | 3.8% | 3 |
| United Community Bank | $111,735,000 | 2.4% | 1 |
Deposit concentration is 953 across 19 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 19 banks with deposits in the county = 16.2² + 13.3² + 11.6² + … (16 more) = 953
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 | $991,405,333 |
| Department of Veterans Affairs | $149,540,139 |
| Department of Defense | $117,476,724 |
| Department of Transportation | $81,551,150 |
| Department of Health and Human Services | $49,487,435 |
| Department of Housing and Urban Development | $14,039,369 |
| Department of Education | $5,934,776 |
| Department of Agriculture | $5,053,389 |
| Railroad Retirement Board | $3,419,166 |
| Federal Communications Commission | $1,714,004 |
| Department of Homeland Security | $650,000 |
| National Aeronautics and Space Administration | $468,736 |
That is $17,590 per covered job, against 80,781 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.4 bn / 80,781 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,590
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 #
Iredell County, NC: 8 findings, 8 noted
noteIredell County, NC's average weekly wage was 4.9% 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
- +4.9 % = 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
noteIredell County, NC's covered employment was 0.9% 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
- +0.9 % = 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
noteIredell County, NC's typical asking rent rose 0.4% from $1,726 in August 2026 to $1,733 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.4% = (1733.4237012987014 - 1725.6853544145465) / 1725.6853544145465 × 100
- 1733.4237012987014 = Zillow ZORI, 2026-09
- 1725.6853544145465 = Zillow ZORI, 2026-08
noteIredell County, NC's average weekly wage of $1,299 ranks 9th of 100 North Carolina counties, against a median of $984.
Period 2026 Q1.Show the arithmetic
- 92 on the 0-to-100 scale across 100 North Carolina counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteIredell County, NC's typical home value of +0.4% ranks 2nd of 11 counties in the Charlotte-Concord-Gastonia metro, against a median of -0.3%.
Period 2026-09.Show the arithmetic
- 90 on the 0-to-100 scale across 11 counties in the Charlotte-Concord-Gastonia metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 8 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.