Chilton County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.85, -86.73.
Assembled 2026-10-19. Read the brief.
- 46th pct · 1,641st of 3,063 US counties · median $230,451
- 74th pct · 18th of 67 Alabama counties · median $177,293
- 50th pct · 4th of 7 counties in the Birmingham metro · median $221,906
- 83rd pct · 499th of 3,062 US counties · median +2.9%
- 95th pct · 4th of 67 Alabama counties · median +2.4%
- 100th pct · 1st of 7 counties in the Birmingham metro · median +3.3%
- 34th pct · 891st of 1,358 US counties · median $1,506
- 42nd pct · 16th of 27 Alabama counties · median $1,378
- 40th pct · 4th of 6 counties in the Birmingham metro · median $1,411
- 54th pct · 1,481st of 3,221 US counties · median 8,232
- 48th pct · 35th of 67 Alabama counties · median 10,118
- 33rd pct · 5th of 7 counties in the Birmingham metro · median 18,474
- 28th pct · 2,298th of 3,221 US counties · median $1,039
- 21st pct · 53rd of 67 Alabama counties · median $1,024
- 16th pct · 6th of 7 counties in the Birmingham metro · median $1,039
- 55th pct · 1,352nd of 3,063 US counties · median 4.2
- 80th pct · 14th of 67 Alabama counties · median 3.3
- 50th pct · 4th of 7 counties in the Birmingham metro · median 4.5
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 $221,906 (Sep 2026), +6.3% over one year, +20.9% over five
- 46th pct · 1,641st of 3,063 US counties · median $230,451
- 74th pct · 18th of 67 Alabama counties · median $177,293
- 50th pct · 4th of 7 counties in the Birmingham metro · median $221,906
| Item | Value | Distance |
|---|---|---|
| Chilton County, AL | $221,906 · +6.3% 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 $1,341/mo (Sep 2026), +2.1% over one year; price-to-rent 13.8
- 34th pct · 891st of 1,358 US counties · median $1,506
- 42nd pct · 16th of 27 Alabama counties · median $1,378
- 40th pct · 4th of 6 counties in the Birmingham metro · median $1,411
| Item | Value | Distance |
|---|---|---|
| Chilton County, AL | $1,341/mo · +2.1% 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 $1,229 a month on $221,906 at 7.40%, against an average weekly wage worth $4,099 a month: 30.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,906 × 80% = $177,525, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,229/mo principal and interest
- wage share = payment / (avg weekly wage $946 × 52 / 12 = $4,099) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,906 / ($946 × 52) = 4.5
- price-to-rent = $221,906 / ($1,341 × 12) = 13.8
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 #
9,583 jobs at 982 employers (2026 Q1); +2.4% jobs and +4.1% average weekly wage over the year
- 54th pct · 1,481st of 3,221 US counties · median 8,232
- 48th pct · 35th of 67 Alabama counties · median 10,118
- 33rd pct · 5th of 7 counties in the Birmingham metro · median 18,474
| Item | Value | Distance |
|---|---|---|
| Chilton County, AL | 9,583 jobs · $946/wk · +2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,642 | $1,202 | 2.13 | -0.4% |
| Retail trade | 1,574 | $701 | 1.69 | -0.4% |
| Accommodation and food services | 988 | $398 | 1.15 | -5.0% |
| Construction | 726 | $1,175 | 1.45 | +16.9% |
| Wholesale trade | 406 | $1,304 | 1.11 | -8.1% |
| Other services | 283 | $675 | 0.99 | +0.0% |
| Finance and insurance | 224 | $1,456 | 0.57 | +0.9% |
| Administrative and waste services | 204 | $783 | 0.37 | +17.2% |
| Agriculture, forestry, fishing | 105 | $1,080 | 1.52 | +0.0% |
| Real estate and rental | 56 | $996 | 0.38 | +12.0% |
| Information | 52 | $799 | 0.29 | +6.1% |
| Mining, oil and gas | 23 | $1,615 | 0.67 | +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 #
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 #
$659.2 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 3,016, highly concentrated. $424.6 m federal obligations in FY2026 (direct payments $273.9 m, grants $150.5 m), $44,304 per covered job
| Item | Value | Distance |
|---|---|---|
| River Bank & Trust | $315.7 m · 47.9% share · 1 office | |
| Regions Bank | $126.2 m · 19.1% share · 2 offices | |
| Marion Community Bank | $82.0 m · 12.4% share · 3 offices | |
| Chilton, AL | $424.6 m FY2026 · $44,304/job | |
| MULTIPLE RECIPIENTS | $272.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| River Bank & Trust | $315,695,000 | 47.9% | 1 |
| Regions Bank | $126,220,000 | 19.1% | 2 |
| Marion Community Bank | $81,983,000 | 12.4% | 3 |
| Truist Bank | $69,686,000 | 10.6% | 2 |
| First Bank of Alabama | $62,080,000 | 9.4% | 1 |
| Woodforest National Bank | $3,497,000 | 0.5% | 1 |
Deposit concentration is 3,016 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 = 47.9² + 19.1² + 12.4² + … (3 more) = 3,016
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 | $234,222,930 |
| Department of Homeland Security | $108,031,447 |
| Department of Transportation | $41,192,608 |
| Department of Veterans Affairs | $35,045,358 |
| Railroad Retirement Board | $3,059,250 |
| Department of Agriculture | $1,350,637 |
| Department of Housing and Urban Development | $1,150,686 |
| Department of Justice | $318,486 |
| Department of Health and Human Services | $237,569 |
| Department of the Interior | $22,000 |
| Small Business Administration | $0 |
| Department of Defense | -$69,903 |
That is $44,304 per covered job, against 9,583 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $424.6 m / 9,583 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $44,304
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 #
Chilton County, AL: 11 findings, 1 at a watch level and 10 noted
watchChilton County, AL's typical asking rent is -1.3% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: rent.momPct = -1.3039047820795882 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteChilton County, AL'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
noteChilton County, AL's covered employment was 2.4% 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
- +2.4 % = 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
noteChilton County, AL's typical asking rent fell 1.3% from $1,358 in August 2026 to $1,341 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -1.3% = (1340.6555555555558 - 1358.3673726862203) / 1358.3673726862203 × 100
- 1340.6555555555558 = Zillow ZORI, 2026-09
- 1358.3673726862203 = Zillow ZORI, 2026-08
noteChilton County, AL's typical home value of +6.3% ranks 1st of 7 counties in the Birmingham metro, against a median of +3.3%.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 7 counties in the Birmingham metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 11 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.