Tuscaloosa County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.29, -87.52.
Assembled 2026-10-20. Read the brief.
- 56th pct · 1,330th of 3,063 US counties · median $230,451
- 84th pct · 11th of 67 Alabama counties · median $177,293
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
- 26th pct · 2,263rd of 3,062 US counties · median +2.9%
- 25th pct · 50th of 67 Alabama counties · median +2.4%
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
- 64th pct · 488th of 1,358 US counties · median $1,506
- 88th pct · 4th of 27 Alabama counties · median $1,378
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
- 90th pct · 305th of 3,221 US counties · median 8,232
- 93rd pct · 5th of 67 Alabama counties · median 10,118
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
- 76th pct · 768th of 3,221 US counties · median $1,039
- 84th pct · 11th of 67 Alabama counties · median $1,024
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
- 45th pct · 1,665th of 3,063 US counties · median 4.2
- 72nd pct · 19th of 67 Alabama counties · median 3.3
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa 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 $249,799 (Sep 2026), +0.6% over one year, +15.7% over five
- 56th pct · 1,330th of 3,063 US counties · median $230,451
- 84th pct · 11th of 67 Alabama counties · median $177,293
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tuscaloosa County, AL | $249,799 · +0.6% 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 $1,679/mo (Sep 2026), +4.0% over one year; price-to-rent 12.4
- 64th pct · 488th of 1,358 US counties · median $1,506
- 88th pct · 4th of 27 Alabama counties · median $1,378
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tuscaloosa County, AL | $1,679/mo · +4.0% 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 $1,384 a month on $249,799 at 7.40%, against an average weekly wage worth $5,204 a month: 26.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $249,799 × 80% = $199,839, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,384/mo principal and interest
- wage share = payment / (avg weekly wage $1,201 × 52 / 12 = $5,204) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $249,799 / ($1,201 × 52) = 4.0
- price-to-rent = $249,799 / ($1,679 × 12) = 12.4
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 #
97,991 jobs at 5,726 employers (2026 Q1); -0.3% jobs and +2.1% average weekly wage over the year
- 90th pct · 305th of 3,221 US counties · median 8,232
- 93rd pct · 5th of 67 Alabama counties · median 10,118
- counties in the Tuscaloosa metro: Rank context is unavailable: the manifest lists 4 counties in the Tuscaloosa metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tuscaloosa County, AL | 97,991 jobs · $1,201/wk · -0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 17,858 | $1,573 | 2.27 | -2.3% |
| Accommodation and food services | 10,895 | $420 | 1.24 | +2.0% |
| Retail trade | 10,725 | $685 | 1.12 | +0.5% |
| Health care and social assistance | 8,126 | $948 | 0.55 | +0.9% |
| Construction | 5,028 | $1,290 | 0.98 | +2.4% |
| Administrative and waste services | 3,791 | $809 | 0.68 | -11.2% |
| Professional and technical services | 3,249 | $1,451 | 0.48 | -2.5% |
| Transportation and warehousing | 2,825 | $1,149 | 0.68 | -2.6% |
| Other services | 2,096 | $937 | 0.72 | +4.3% |
| Wholesale trade | 1,963 | $1,695 | 0.52 | +0.2% |
| Finance and insurance | 1,850 | $2,004 | 0.46 | +3.9% |
| Real estate and rental | 1,739 | $967 | 1.16 | +3.5% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
51 gauges · 1 flooding · 12 with quality panels averaging 100 % · 8 stale
Sites found: 51, 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 |
|---|---|---|
| LUXAPALLILA CREEK AT MILLPORT, AL | flow 102.0 ft³/s · MINOR flooding · STALE | 61 km |
| BLACK WARRIOR RIVER BELOW HOLT L&D NEAR HOLT AL | stage 123.1 ft · no flooding | 8 km |
| BLACK WARRIOR RIVER AT HOLT L&D NEAR HOLT AL. | stage 186.3 ft | 8 km |
| MILL CREEK AT CLOVERDALE ROAD NEAR NORTHPORT, AL. | flow 5.80 ft³/s · STALE | 9 km |
| BLACK WARRIOR RIVER AT NORTHPORT AL | flow 232.0 ft³/s | 11 km |
| BLACK WARRIOR R BL OLIVER L&D NEAR TUSCALOOSA, AL. | stage 95.8 ft | 11 km |
| Black Warrior River at Oliver Lock and Dam | no flooding | 11 km |
| CRIBBS MILL CREEK AT WW PLANT AT TUSCALOOSA, AL. | flow 6.71 ft³/s | 13 km |
| TURKEY CREEK NEAR TUSCALOOSA | flow 1.10 ft³/s · STALE | 14 km |
| JAY CREEK NEAR COKER, ALABAMA | flow 0.50 ft³/s · STALE | 18 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-333204087324601 | depth 42.4 ft · 2026-10-19 | 27 km |
| USGS-331426088192202 | depth 8.93 ft · 1985-09-29 | 75 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$4.6 bn in deposits at 49 offices of 25 banks (SOD June 2026); HHI 1,139, moderately concentrated. $1.5 bn federal obligations in FY2026 (direct payments $1.2 bn, grants $280.8 m), $15,334 per covered job
| Item | Value | Distance |
|---|---|---|
| Bryant Bank | $937.4 m · 20.5% share · 4 offices | |
| Regions Bank | $785.8 m · 17.1% share · 7 offices | |
| SmartBank | $593.9 m · 13.0% share · 3 offices | |
| Tuscaloosa, AL | $1.5 bn FY2026 · $15,334/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bryant Bank | $937,445,000 | 20.5% | 4 |
| Regions Bank | $785,812,000 | 17.1% | 7 |
| SmartBank | $593,866,000 | 13.0% | 3 |
| Pinnacle Bank | $491,571,000 | 10.7% | 3 |
| Wells Fargo Bank, National Association | $288,921,000 | 6.3% | 3 |
| PNC Bank, National Association | $257,941,000 | 5.6% | 3 |
| The Huntington National Bank | $215,631,000 | 4.7% | 2 |
| BankFirst Financial Services | $206,333,000 | 4.5% | 2 |
| West Alabama Bank & Trust | $127,317,000 | 2.8% | 2 |
| First Federal Bank, A FSB | $120,362,000 | 2.6% | 3 |
Deposit concentration is 1,139 across 25 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 25 banks with deposits in the county = 20.5² + 17.1² + 13.0² + … (22 more) = 1,139
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 | $914,388,750 |
| Department of Veterans Affairs | $182,959,958 |
| Department of Transportation | $159,701,663 |
| Department of Education | $84,950,339 |
| Department of Commerce | $45,312,935 |
| Department of Housing and Urban Development | $33,248,639 |
| National Science Foundation | $26,309,163 |
| Department of Health and Human Services | $25,635,357 |
| Department of Defense | $10,459,629 |
| Department of the Interior | $9,371,585 |
| Railroad Retirement Board | $2,425,490 |
| Department of Energy | $2,260,200 |
That is $15,334 per covered job, against 97,991 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.5 bn / 97,991 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,334
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.
Public companies #
1 public company files with the SEC from a business address here (WARRIOR MET COAL, INC.). The snapshot was pulled 2026-10-20; 1 of 1 carry financial facts. The county's jobs mix maps to 10 GICS sectors, led by Energy.
| Item | Value | Distance |
|---|---|---|
| WARRIOR MET COAL, INC. | HCC · NYSE · Energy · BROOKWOOD, AL 35444 |
Snapshot pulled 2026-10-20: 1 filers, 1 with financial facts.
Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Tuscaloosa County, AL: 10 findings, 1 at a watch level and 9 noted
watchTuscaloosa County, AL's covered employment is -0.3% 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 = -0.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTuscaloosa County, AL's average weekly wage was 2.1% 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
- +2.1 % = 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
noteTuscaloosa County, AL's typical asking rent rose 1.8% from $1,650 in August 2026 to $1,679 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.8% = (1679.2059881602916 - 1649.6182411283582) / 1649.6182411283582 × 100
- 1679.2059881602916 = Zillow ZORI, 2026-09
- 1649.6182411283582 = Zillow ZORI, 2026-08
noteTuscaloosa County, AL's covered employment was 0.3% 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
- -0.3 % = 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
noteTuscaloosa County, AL's covered employment of 97,991 ranks 5th of 67 Alabama counties, against a median of 10,118.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 67 Alabama counties that published jobs.emp
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.