Calvert County, MD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.52, -76.53.
Assembled 2026-10-19. Read the brief.
- 92nd pct · 231st of 3,063 US counties · median $230,451
- 69th pct · 8th of 24 Maryland counties · median $417,647
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
- 29th pct · 2,166th of 3,062 US counties · median +2.9%
- 65th pct · 9th of 24 Maryland counties · median +0.8%
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
- 92nd pct · 105th of 1,358 US counties · median $1,506
- 80th pct · 5th of 22 Maryland counties · median $1,875
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
- 73rd pct · 864th of 3,221 US counties · median 8,232
- 30th pct · 17th of 24 Maryland counties · median 44,580
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
- 82nd pct · 559th of 3,221 US counties · median $1,039
- 56th pct · 11th of 24 Maryland counties · median $1,216
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
- 90th pct · 296th of 3,063 US counties · median 4.2
- 82nd pct · 5th of 24 Maryland counties · median 5.8
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park 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 $480,115 (Sep 2026), +1.0% over one year, +13.5% over five
- 92nd pct · 231st of 3,063 US counties · median $230,451
- 69th pct · 8th of 24 Maryland counties · median $417,647
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calvert County, MD | $480,115 · +1.0% 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 $2,302/mo (Sep 2026), +2.5% over one year; price-to-rent 17.4
- 92nd pct · 105th of 1,358 US counties · median $1,506
- 80th pct · 5th of 22 Maryland counties · median $1,875
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calvert County, MD | $2,302/mo · +2.5% 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 $2,659 a month on $480,115 at 7.40%, against an average weekly wage worth $5,516 a month: 48.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $480,115 × 80% = $384,092, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,659/mo principal and interest
- wage share = payment / (avg weekly wage $1,273 × 52 / 12 = $5,516) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $480,115 / ($1,273 × 52) = 7.3
- price-to-rent = $480,115 / ($2,302 × 12) = 17.4
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 #
22,291 jobs at 2,068 employers (2026 Q1); -2.3% jobs and +0.2% average weekly wage over the year
- 73rd pct · 864th of 3,221 US counties · median 8,232
- 30th pct · 17th of 24 Maryland counties · median 44,580
- counties in the Lexington Park metro: Rank context is unavailable: the manifest lists 2 counties in the Lexington Park metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Calvert County, MD | 22,291 jobs · $1,273/wk · -2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,354 | $1,068 | 1.00 | -1.2% |
| Retail trade | 3,305 | $714 | 1.52 | +1.7% |
| Accommodation and food services | 2,758 | $482 | 1.38 | -5.0% |
| Construction | 1,620 | $1,493 | 1.39 | -6.6% |
| Utilities | 1,473 | $4,056 | 16.73 | -8.6% |
| Professional and technical services | 1,002 | $1,611 | 0.65 | +3.4% |
| Other services | 964 | $841 | 1.45 | +3.7% |
| Finance and insurance | 343 | $2,175 | 0.38 | -2.8% |
| Arts, entertainment and recreation | 265 | $1,315 | 0.72 | -4.7% |
| Educational services | 211 | $614 | 0.44 | -29.4% |
| Real estate and rental | 179 | $1,222 | 0.52 | +0.0% |
| Agriculture, forestry, fishing | withheld |
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 #
$2.2 bn in deposits at 14 offices of 7 banks (SOD June 2026); HHI 1,951, highly concentrated. $663.6 m federal obligations in FY2026 (direct payments $605.1 m, contracts $47.0 m), $29,768 per covered job
| Item | Value | Distance |
|---|---|---|
| Shore United Bank, National Association | $566.5 m · 26.0% share · 3 offices | |
| Bank of America, National Association | $467.1 m · 21.4% share · 2 offices | |
| PNC Bank, National Association | $440.6 m · 20.2% share · 3 offices | |
| Calvert, MD | $663.6 m FY2026 · $29,768/job | |
| MULTIPLE RECIPIENTS | $597.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Shore United Bank, National Association | $566,523,000 | 26.0% | 3 |
| Bank of America, National Association | $467,083,000 | 21.4% | 2 |
| PNC Bank, National Association | $440,617,000 | 20.2% | 3 |
| Truist Bank | $386,600,000 | 17.7% | 2 |
| Manufacturers and Traders Trust Company | $171,938,000 | 7.9% | 2 |
| WesBanco Bank, Inc. | $114,008,000 | 5.2% | 1 |
| JPMorgan Chase Bank, National Association | $32,333,000 | 1.5% | 1 |
Deposit concentration is 1,951 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 26.0² + 21.4² + 20.2² + … (4 more) = 1,951
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 | $456,803,138 |
| Department of Veterans Affairs | $137,701,546 |
| Department of Defense | $47,302,505 |
| Department of Housing and Urban Development | $7,240,567 |
| Department of Transportation | $4,908,507 |
| Railroad Retirement Board | $3,358,306 |
| Department of Health and Human Services | $2,265,770 |
| Department of Education | $1,402,116 |
| Department of Agriculture | $1,368,166 |
| Department of the Interior | $1,085,596 |
| Department of Commerce | $315,000 |
| Federal Communications Commission | $295,322 |
That is $29,768 per covered job, against 22,291 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $663.6 m / 22,291 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,768
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 #
Calvert County, MD: 12 findings, 4 at a watch level and 8 noted
watchCalvert County, MD's covered employment is -2.3% 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 = -2.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCalvert County, MD's years of wages of 7.3 ranks 296th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 90.36577400391901 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchCalvert County, MD's covered employment of 22,291 scores 73 on the 0-to-100 scale across US counties but 30 across Maryland counties, a gap of 43 points.
Period 2026 Q1.Show the arithmetic
- 43 = |73 across US counties - 30 across Maryland counties|
position among the entities that published this metric this period; not an official level
watchCalvert County, MD's typical home value of +1.0% scores 29 on the 0-to-100 scale across US counties but 65 across Maryland counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |29 across US counties - 65 across Maryland counties|
position among the entities that published this metric this period; not an official level
noteCalvert County, MD's covered employment was 2.3% 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
- -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
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.