DeSoto County, MS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.87, -89.99.
Assembled 2026-10-19. Read the brief.
- 70th pct · 910th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 80 Mississippi counties · median $149,228
- 87th pct · 2nd of 9 counties in the Memphis metro · median $216,006
- 34th pct · 2,021st of 3,062 US counties · median +2.9%
- 49th pct · 41st of 80 Mississippi counties · median +1.5%
- 50th pct · 5th of 9 counties in the Memphis metro · median +1.4%
- 63rd pct · 494th of 1,358 US counties · median $1,506
- 86th pct · 3rd of 16 Mississippi counties · median $1,388
- 75th pct · 2nd of 5 counties in the Memphis metro · median $1,529
- 88th pct · 386th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 82 Mississippi counties · median 6,322
- 87th pct · 2nd of 9 counties in the Memphis metro · median 11,668
- 24th pct · 2,418th of 3,221 US counties · median $1,039
- 61st pct · 32nd of 82 Mississippi counties · median $903
- 37th pct · 6th of 9 counties in the Memphis metro · median $933
- 81st pct · 557th of 3,063 US counties · median 4.2
- 98th pct · 2nd of 80 Mississippi counties · median 3.1
- 87th pct · 2nd of 9 counties in the Memphis 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 $299,861 (Sep 2026), +1.4% over one year, +16.9% over five
- 70th pct · 910th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 80 Mississippi counties · median $149,228
- 87th pct · 2nd of 9 counties in the Memphis metro · median $216,006
| Item | Value | Distance |
|---|---|---|
| DeSoto County, MS | $299,861 · +1.4% 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 $1,671/mo (Sep 2026), -0.1% over one year; price-to-rent 15.0
- 63rd pct · 494th of 1,358 US counties · median $1,506
- 86th pct · 3rd of 16 Mississippi counties · median $1,388
- 75th pct · 2nd of 5 counties in the Memphis metro · median $1,529
| Item | Value | Distance |
|---|---|---|
| DeSoto County, MS | $1,671/mo · -0.1% 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 $1,661 a month on $299,861 at 7.40%, against an average weekly wage worth $4,021 a month: 41.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $299,861 × 80% = $239,889, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,661/mo principal and interest
- wage share = payment / (avg weekly wage $928 × 52 / 12 = $4,021) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $299,861 / ($928 × 52) = 6.2
- price-to-rent = $299,861 / ($1,671 × 12) = 15.0
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 #
72,727 jobs at 4,044 employers (2026 Q1); +1.2% jobs and +2.9% average weekly wage over the year
- 88th pct · 386th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 82 Mississippi counties · median 6,322
- 87th pct · 2nd of 9 counties in the Memphis metro · median 11,668
| Item | Value | Distance |
|---|---|---|
| DeSoto County, MS | 72,727 jobs · $928/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 16,002 | $1,001 | 5.22 | +1.4% |
| Retail trade | 11,246 | $696 | 1.59 | +5.8% |
| Accommodation and food services | 9,317 | $408 | 1.43 | +0.5% |
| Health care and social assistance | 7,232 | $1,122 | 0.66 | -2.4% |
| Administrative and waste services | 4,145 | $790 | 1.00 | -7.4% |
| Manufacturing | 3,314 | $1,418 | 0.57 | -1.4% |
| Construction | 2,901 | $1,251 | 0.76 | +8.9% |
| Other services | 1,441 | $929 | 0.66 | +5.0% |
| Professional and technical services | 1,284 | $986 | 0.26 | +1.5% |
| Finance and insurance | 1,027 | $1,581 | 0.35 | -0.9% |
| Arts, entertainment and recreation | 990 | $301 | 0.83 | +11.4% |
| Real estate and rental | 591 | $1,177 | 0.53 | +2.8% |
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 #
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$4.5 bn in deposits at 59 offices of 20 banks (SOD June 2026); HHI 1,173, moderately concentrated. $1.1 bn federal obligations in FY2026 (direct payments $1.0 bn, contracts $57.6 m), $15,051 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $1.1 bn · 24.4% share · 10 offices | |
| Renasant Bank | $640.5 m · 14.1% share · 6 offices | |
| Regions Bank | $456.4 m · 10.0% share · 4 offices | |
| DeSoto, MS | $1.1 bn FY2026 · $15,051/job | |
| MULTIPLE RECIPIENTS | $999.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $1,108,428,000 | 24.4% | 10 |
| Renasant Bank | $640,460,000 | 14.1% | 6 |
| Regions Bank | $456,391,000 | 10.0% | 4 |
| First Horizon Bank | $400,607,000 | 8.8% | 3 |
| BankPlus | $394,587,000 | 8.7% | 4 |
| Trustmark Bank | $283,404,000 | 6.2% | 5 |
| Guaranty Bank and Trust Company | $217,092,000 | 4.8% | 3 |
| Community Bank of Mississippi | $197,633,000 | 4.3% | 3 |
| First Security Bank | $181,323,000 | 4.0% | 4 |
| Wells Fargo Bank, National Association | $135,776,000 | 3.0% | 1 |
Deposit concentration is 1,173 across 20 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 20 banks with deposits in the county = 24.4² + 14.1² + 10.0² + … (17 more) = 1,173
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 | $799,757,323 |
| Department of Veterans Affairs | $185,159,080 |
| Department of Defense | $56,462,012 |
| Department of Transportation | $29,320,708 |
| Railroad Retirement Board | $15,229,892 |
| Department of Agriculture | $4,547,718 |
| Department of Housing and Urban Development | $2,186,224 |
| Federal Communications Commission | $834,957 |
| Department of Justice | $544,934 |
| Department of Homeland Security | $510,305 |
| Department of Health and Human Services | $50,000 |
| Small Business Administration | $713 |
That is $15,051 per covered job, against 72,727 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 72,727 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,051
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 #
DeSoto County, MS: 10 findings, 2 at a watch level and 8 noted
watchDeSoto County, MS' price-to-rent ratio of 15.0 scores 28 on the 0-to-100 scale across US counties but 80 across Mississippi counties, a gap of 52 points.
Period 2026-09.Show the arithmetic
- 52 = |28 across US counties - 80 across Mississippi counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchDeSoto County, MS' average weekly wage of $928 scores 25 on the 0-to-100 scale across US counties but 62 across Mississippi counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |25 across US counties - 62 across Mississippi counties|
position among the entities that published this metric this period; not an official level
noteDeSoto County, MS' average weekly wage was 2.9% 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
- +2.9 % = 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
noteDeSoto County, MS' covered employment was 1.2% 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
- +1.2 % = 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
noteDeSoto County, MS' years of wages of 6.2 ranks 2nd of 80 Mississippi counties, against a median of 3.1.
Period 2026-09.Show the arithmetic
- 99 on the 0-to-100 scale across 80 Mississippi counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
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.