Campbell County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.21, -79.10.
Assembled 2026-10-19. Read the brief.
- 63rd pct · 1,119th of 3,063 US counties · median $230,451
- 37th pct · 84th of 133 Virginia counties · median $309,231
- 50th pct · 3rd of 5 counties in the Lynchburg metro · median $273,460
- 41st pct · 1,798th of 3,062 US counties · median +2.9%
- 32nd pct · 90th of 133 Virginia counties · median +2.8%
- 50th pct · 3rd of 5 counties in the Lynchburg metro · median +2.2%
- 52nd pct · 652nd of 1,358 US counties · median $1,506
- 21st pct · 56th of 71 Virginia counties · median $1,806
- counties in the Lynchburg metro: only 4 of counties in the Lynchburg metro published this metric; fewer than 5 is too few to rank
- 70th pct · 966th of 3,221 US counties · median 8,232
- 70th pct · 40th of 133 Virginia counties · median 9,944
- 75th pct · 2nd of 5 counties in the Lynchburg metro · median 18,773
- 96th pct · 107th of 3,221 US counties · median $1,039
- 93rd pct · 10th of 133 Virginia counties · median $1,048
- 100th pct · 1st of 5 counties in the Lynchburg metro · median $995
- 21st pct · 2,416th of 3,063 US counties · median 4.2
- 10th pct · 119th of 133 Virginia counties · median 5.4
- 0th pct · 5th of 5 counties in the Lynchburg 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 $273,460 (Sep 2026), +2.2% over one year, +30.9% over five
- 63rd pct · 1,119th of 3,063 US counties · median $230,451
- 37th pct · 84th of 133 Virginia counties · median $309,231
- 50th pct · 3rd of 5 counties in the Lynchburg metro · median $273,460
| Item | Value | Distance |
|---|---|---|
| Campbell County, VA | $273,460 · +2.2% 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 $1,528/mo (Sep 2026), +7.1% over one year; price-to-rent 14.9
- 52nd pct · 652nd of 1,358 US counties · median $1,506
- 21st pct · 56th of 71 Virginia counties · median $1,806
- counties in the Lynchburg metro: only 4 of counties in the Lynchburg metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Campbell County, VA | $1,528/mo · +7.1% 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 $273,460 at 7.40%, against an average weekly wage worth $7,627 a month: 19.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $273,460 × 80% = $218,768, 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 $1,760 × 52 / 12 = $7,627) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $273,460 / ($1,760 × 52) = 3.0
- price-to-rent = $273,460 / ($1,528 × 12) = 14.9
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 #
18,912 jobs at 1,749 employers (2026 Q1); +2.3% jobs and +13.0% average weekly wage over the year
- 70th pct · 966th of 3,221 US counties · median 8,232
- 70th pct · 40th of 133 Virginia counties · median 9,944
- 75th pct · 2nd of 5 counties in the Lynchburg metro · median 18,773
| Item | Value | Distance |
|---|---|---|
| Campbell County, VA | 18,912 jobs · $1,760/wk · +2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,630 | $3,856 | 3.04 | -0.9% |
| Retail trade | 2,334 | $614 | 1.27 | +3.1% |
| Health care and social assistance | 1,542 | $762 | 0.54 | +0.0% |
| Accommodation and food services | 1,350 | $397 | 0.79 | +3.3% |
| Professional and technical services | 892 | $3,850 | 0.68 | +53.0% |
| Wholesale trade | 811 | $1,316 | 1.12 | -2.2% |
| Administrative and waste services | 669 | $756 | 0.62 | -5.2% |
| Other services | 429 | $806 | 0.76 | +20.5% |
| Transportation and warehousing | 425 | $1,160 | 0.53 | -4.5% |
| Finance and insurance | 425 | $1,691 | 0.55 | +1.7% |
| Arts, entertainment and recreation | 191 | $310 | 0.61 | +42.5% |
| Real estate and rental | 146 | $1,117 | 0.50 | -9.9% |
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 #
5 USGS reservoir gauges, no capacity figures to weight
Sites found: 5, 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 |
|---|---|---|
| AFTERBAY RESERVOIR AT DAM NR MCGEHEES MILL, NC | 364.2 ft (USGS, no capacity on file) | 77 km |
| HYCO LAKE AT DAM NR ROXBORO, NC | 7.92 ft (USGS, no capacity on file) | 78 km |
| LITTLE RIVER RESERVOIR NEAR RADFORD, VA | 231.0 Acre-ft (USGS, no capacity on file) | 132 km |
| BEAVERDAM CREEK AT DAM NEAR CREEDMOOR, NC | 248.6 ft (USGS, no capacity on file) | 137 km |
| FALLS LAKE ABOVE DAM NR FALLS, NC | 246.2 ft (USGS, no capacity on file) | 148 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 #
72 gauges · 0 flooding · 16 with quality panels averaging 98 % · 14 stale
Sites found: 72, 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 |
|---|---|---|
| ROANOKE RIVER AT THIRTEENTH ST BR AT ROANOKE, VA | stage 3.12 ft · quality 80 % (5) · STALE | 73 km |
| FALLING RIVER NEAR NARUNA, VA | flow 22.2 ft³/s · no flooding | 15 km |
| BIG OTTER RIVER NEAR EVINGTON, VA | flow 34.9 ft³/s · no flooding | 18 km |
| ROANOKE RIVER AT ALTAVISTA, VA | flow 419.0 ft³/s · no flooding | 20 km |
| Archer Creek near Kelly | no flooding | 21 km |
| ROANOKE (STAUNTON) RIVER AT BROOKNEAL, VA | flow 581.0 ft³/s · no flooding | 23 km |
| HARRIS CREEK BELOW ROUTE 130 NEAR MONROE, VA | flow 2.38 ft³/s | 31 km |
| CUB CREEK AT PHENIX, VA | flow 27.9 ft³/s · no flooding | 33 km |
| BIG OTTER RIVER NEAR BEDFORD, VA | flow 53.1 ft³/s · STALE | 33 km |
| JAMES RIVER AT HOLCOMB ROCK, VA | flow 1,030 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-372053078493801 | depth 1.77 ft · 2026-10-18 | 28 km |
| USGS-372543079295402 | depth 18.0 ft · 2026-10-18 | 43 km |
| USGS-372543079295403 | depth 10.6 ft · 2026-10-18 | 43 km |
| USGS-372543079295401 | depth 15.3 ft · 2011-10-16 | 43 km |
| USGS-372608078404601 | depth 32.3 ft · 2026-10-18 | 45 km |
| USGS-364644079195401 | depth 17.6 ft · 2026-10-18 | 52 km |
| USGS-373758079271601 | depth 28.2 ft · 2026-10-18 | 57 km |
| USGS-372150079422301 | depth 41.7 ft · 2026-10-18 | 57 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 #
moderate (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.03 / 0.55
Banks & federal dollars #
$1.2 bn in deposits at 18 offices of 11 banks (SOD June 2026); HHI 2,587, highly concentrated. $380.7 m federal obligations in FY2026 (direct payments $355.0 m, grants $19.3 m), $20,130 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank | $546.1 m · 46.7% share · 5 offices | |
| Wells Fargo Bank, National Association | $148.0 m · 12.6% share · 1 office | |
| First-Citizens Bank & Trust Company | $97.4 m · 8.3% share · 1 office | |
| Campbell, VA | $380.7 m FY2026 · $20,130/job | |
| MULTIPLE RECIPIENTS | $344.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank | $546,101,000 | 46.7% | 5 |
| Wells Fargo Bank, National Association | $147,994,000 | 12.6% | 1 |
| First-Citizens Bank & Trust Company | $97,430,000 | 8.3% | 1 |
| Bank of the James | $94,865,000 | 8.1% | 3 |
| Carter Bank & Trust | $80,672,000 | 6.9% | 1 |
| Truist Bank | $61,329,000 | 5.2% | 2 |
| The Bank of Charlotte County | $51,036,000 | 4.4% | 1 |
| The Farmers Bank of Appomattox | $42,769,000 | 3.7% | 1 |
| United Bank | $30,795,000 | 2.6% | 1 |
| The National Bank of Blacksburg | $10,617,000 | 0.9% | 1 |
Deposit concentration is 2,587 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 46.7² + 12.6² + 8.3² + … (8 more) = 2,587
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 | $317,352,812 |
| Department of Veterans Affairs | $25,172,999 |
| Department of Transportation | $16,426,365 |
| Department of Housing and Urban Development | $11,542,887 |
| Department of Defense | $2,938,203 |
| General Services Administration | $1,936,202 |
| Department of Agriculture | $1,664,867 |
| Railroad Retirement Board | $1,421,685 |
| Department of Energy | $966,358 |
| Federal Communications Commission | $623,753 |
| Department of Health and Human Services | $285,621 |
| Department of Homeland Security | $217,128 |
That is $20,130 per covered job, against 18,912 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $380.7 m / 18,912 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,130
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 #
Campbell County, VA: 13 findings, 1 at a watch level and 12 noted
watchCampbell County, VA's typical asking rent of $1,528 scores 52 on the 0-to-100 scale across US counties but 21 across Virginia counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |52 across US counties - 21 across Virginia counties|
position among the entities that published this metric this period; not an official level
noteCampbell County, VA's average weekly wage was 13.0% 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
- +13 % = 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
noteCampbell County, VA's covered employment was 2.3% 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
- +2.3 % = 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
noteCampbell County, VA's typical asking rent fell 0.9% from $1,541 in August 2026 to $1,528 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.9% = (1527.642857142857 - 1540.8608822464646) / 1540.8608822464646 × 100
- 1527.642857142857 = Zillow ZORI, 2026-09
- 1540.8608822464646 = Zillow ZORI, 2026-08
noteCampbell County, VA's average weekly wage of $1,760 ranks 1st of 5 counties in the Lynchburg metro, against a median of $995.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 5 counties in the Lynchburg metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 12 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.