Yadkin County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.16, -80.67.
Assembled 2026-10-20. Read the brief.
- 51st pct · 1,499th of 3,063 US counties · median $230,451
- 34th pct · 66th of 100 North Carolina counties · median $270,749
- 0th pct · 5th of 5 counties in the Winston-Salem metro · median $273,458
- 61st pct · 1,168th of 3,062 US counties · median +2.9%
- 80th pct · 20th of 100 North Carolina counties · median +1.1%
- 75th pct · 2nd of 5 counties in the Winston-Salem metro · median +3.2%
- US counties: not published this period
- North Carolina counties: not published this period
- counties in the Winston-Salem metro: not published this period
- 54th pct · 1,455th of 3,221 US counties · median 8,232
- 35th pct · 65th of 100 North Carolina counties · median 16,739
- 25th pct · 4th of 5 counties in the Winston-Salem metro · median 14,902
- 16th pct · 2,690th of 3,221 US counties · median $1,039
- 6th pct · 93rd of 100 North Carolina counties · median $984
- 25th pct · 4th of 5 counties in the Winston-Salem metro · median $1,016
- 66th pct · 1,022nd of 3,063 US counties · median 4.2
- 52nd pct · 48th of 100 North Carolina counties · median 5.0
- 50th pct · 3rd 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 $233,897 (Sep 2026), +3.8% over one year, +27.2% over five
- 51st pct · 1,499th of 3,063 US counties · median $230,451
- 34th pct · 66th of 100 North Carolina counties · median $270,749
- 0th pct · 5th of 5 counties in the Winston-Salem metro · median $273,458
| Item | Value | Distance |
|---|---|---|
| Yadkin County, NC | $233,897 · +3.8% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- North Carolina counties: not published this period
- counties in the Winston-Salem metro: not published this period
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 $1,296 a month on $233,897 at 7.40%, against an average weekly wage worth $3,835 a month: 33.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $233,897 × 80% = $187,118, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,296/mo principal and interest
- wage share = payment / (avg weekly wage $885 × 52 / 12 = $3,835) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $233,897 / ($885 × 52) = 5.1
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 #
9,818 jobs at 802 employers (2026 Q1); -1.1% jobs and +4.1% average weekly wage over the year
- 54th pct · 1,455th of 3,221 US counties · median 8,232
- 35th pct · 65th of 100 North Carolina counties · median 16,739
- 25th pct · 4th of 5 counties in the Winston-Salem metro · median 14,902
| Item | Value | Distance |
|---|---|---|
| Yadkin County, NC | 9,818 jobs · $885/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,449 | $873 | 3.10 | -2.1% |
| Construction | 1,011 | $1,164 | 1.96 | +0.0% |
| Retail trade | 901 | $821 | 0.94 | +3.1% |
| Accommodation and food services | 901 | $327 | 1.02 | +4.8% |
| Administrative and waste services | 661 | $734 | 1.18 | +18.7% |
| Transportation and warehousing | 532 | $1,064 | 1.29 | -28.6% |
| Other services | 176 | $556 | 0.60 | +0.0% |
| Information | 163 | $1,672 | 0.90 | -3.6% |
| Finance and insurance | 132 | $1,302 | 0.33 | -3.6% |
| Professional and technical services | 122 | $933 | 0.18 | -10.3% |
| Arts, entertainment and recreation | 99 | $319 | 0.61 | -1.0% |
| Agriculture, forestry, fishing | 86 | $845 | 1.21 | +0.0% |
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 #
D1 moderate 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$550.7 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 1,892, highly concentrated. $263.9 m federal obligations in FY2026 (direct payments $246.0 m, grants $17.8 m), $26,878 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank of Pennsylvania | $161.8 m · 29.4% share · 2 offices | |
| First-Citizens Bank & Trust Company | $94.4 m · 17.1% share · 1 office | |
| First Horizon Bank | $94.4 m · 17.1% share · 1 office | |
| Yadkin, NC | $263.9 m FY2026 · $26,878/job | |
| MULTIPLE RECIPIENTS | $242.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank of Pennsylvania | $161,806,000 | 29.4% | 2 |
| First-Citizens Bank & Trust Company | $94,404,000 | 17.1% | 1 |
| First Horizon Bank | $94,367,000 | 17.1% | 1 |
| SKYLINE NATIONAL BANK | $70,510,000 | 12.8% | 1 |
| Truist Bank | $65,070,000 | 11.8% | 1 |
| Wells Fargo Bank, National Association | $64,555,000 | 11.7% | 1 |
Deposit concentration is 1,892 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 29.4² + 17.1² + 17.1² + … (3 more) = 1,892
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 | $217,427,410 |
| Department of Veterans Affairs | $24,776,041 |
| Department of Transportation | $14,425,738 |
| Department of Health and Human Services | $3,358,845 |
| Department of Agriculture | $2,876,150 |
| Railroad Retirement Board | $608,067 |
| Department of Justice | $341,250 |
| Department of Housing and Urban Development | $248,535 |
| Federal Communications Commission | $37,545 |
| Department of Defense | $1,319 |
| Environmental Protection Agency | $0 |
| Department of Homeland Security | -$217,232 |
That is $26,878 per covered job, against 9,818 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $263.9 m / 9,818 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,878
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 #
Yadkin County, NC: 10 findings, 1 at a watch level and 9 noted
watchYadkin County, NC's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteYadkin County, NC's average weekly wage was 4.1% 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
- +4.1 % = 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
noteYadkin County, NC's covered employment was 1.1% 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
- -1.1 % = 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
noteYadkin County, NC's typical home value fell 0.3% from $234,600 in August 2026 to $233,897 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (233897.43589567303 - 234599.73274350143) / 234599.73274350143 × 100
- 233897.43589567303 = Zillow ZHVI, 2026-09
- 234599.73274350143 = Zillow ZHVI, 2026-08
noteYadkin County, NC's typical home value of $233,897 ranks 5th of 5 counties in the Winston-Salem metro, against a median of $273,458.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 5 counties in the Winston-Salem metro that published home.latest
position among the entities that published this metric this period; not an official level
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.