Carroll County, NH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.87, -71.20.
Assembled 2026-10-20. Read the brief.
- 94th pct · 181st of 3,063 US counties · median $230,451
- 77th pct · 3rd of 10 New Hampshire counties · median $496,284
- 66th pct · 1,028th of 3,062 US counties · median +2.9%
- 100th pct · 1st of 10 New Hampshire counties · median +3.0%
- 89th pct · 141st of 1,358 US counties · median $1,506
- 77th pct · 3rd of 10 New Hampshire counties · median $2,108
- 70th pct · 965th of 3,221 US counties · median 8,232
- 22nd pct · 8th of 10 New Hampshire counties · median 37,786
- 35th pct · 2,060th of 3,221 US counties · median $1,039
- 0th pct · 10th of 10 New Hampshire counties · median $1,282
- 97th pct · 81st of 3,063 US counties · median 4.2
- 100th pct · 1st of 10 New Hampshire counties · median 6.7
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 $508,169 (Sep 2026), +4.2% over one year, +27.8% over five
- 94th pct · 181st of 3,063 US counties · median $230,451
- 77th pct · 3rd of 10 New Hampshire counties · median $496,284
| Item | Value | Distance |
|---|---|---|
| Carroll County, NH | $508,169 · +4.2% 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 $2,179/mo (Sep 2026), n/a over one year; price-to-rent 19.4
- 89th pct · 141st of 1,358 US counties · median $1,506
- 77th pct · 3rd of 10 New Hampshire counties · median $2,108
| Item | Value | Distance |
|---|---|---|
| Carroll County, NH | $2,179/mo · n/a 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 $2,815 a month on $508,169 at 7.40%, against an average weekly wage worth $4,229 a month: 66.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $508,169 × 80% = $406,535, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,815/mo principal and interest
- wage share = payment / (avg weekly wage $976 × 52 / 12 = $4,229) = 67% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $508,169 / ($976 × 52) = 10.0
- price-to-rent = $508,169 / ($2,179 × 12) = 19.4
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 #
18,930 jobs at 2,072 employers (2026 Q1); -1.3% jobs and +1.8% average weekly wage over the year
- 70th pct · 965th of 3,221 US counties · median 8,232
- 22nd pct · 8th of 10 New Hampshire counties · median 37,786
| Item | Value | Distance |
|---|---|---|
| Carroll County, NH | 18,930 jobs · $976/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 3,541 | $682 | 2.08 | -0.3% |
| Retail trade | 3,254 | $745 | 1.76 | -3.5% |
| Health care and social assistance | 2,340 | $1,185 | 0.82 | -10.8% |
| Arts, entertainment and recreation | 1,474 | $630 | 4.73 | +24.3% |
| Construction | 1,111 | $1,189 | 1.12 | -2.2% |
| Administrative and waste services | 654 | $1,149 | 0.61 | +6.5% |
| Finance and insurance | 357 | $2,423 | 0.46 | -3.0% |
| Educational services | 308 | $921 | 0.76 | -16.5% |
| Wholesale trade | 304 | $1,864 | 0.42 | +0.7% |
| Real estate and rental | 215 | $951 | 0.74 | +3.4% |
| Information | 165 | $1,257 | 0.47 | +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 #
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 #
46 gauges · 0 flooding · 6 with quality panels averaging 100 % · 11 stale
Sites found: 46, 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 |
|---|---|---|
| BEARCAMP RIVER AT SOUTH TAMWORTH, NH | flow 36.8 ft³/s | 8 km |
| SWIFT RIVER 0.5 MI BL HOBBS BR, NR CONWAY, NH | flow 67.0 ft³/s | 14 km |
| Saco River near Conway, NH | flow 341.0 ft³/s · no flooding | 16 km |
| LUCY BROOK NEAR NORTH CONWAY, NH | flow 12.0 ft³/s · STALE | 23 km |
| SACO RIVER AT RIVER STREET, AT BARTLETT, NH | flow 89.5 ft³/s · quality 100 % (1) · no flooding | 25 km |
| OSSIPEE RIVER AT CORNISH, ME | flow 221.0 ft³/s · STALE | 33 km |
| Saco River at Cornish, Maine | flow 1,420 ft³/s · no flooding | 34 km |
| PEMIGEWASSET RIVER AT WOODSTOCK, NH | flow 214.0 ft³/s · no flooding | 40 km |
| PEMIGEWASSET RIVER AT PLYMOUTH, NH | flow 449.0 ft³/s · no flooding | 41 km |
| EAST BRANCH PEMIGEWASSET RIVER AT LINCOLN, NH | flow 143.0 ft³/s | 42 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-440642070583402 | depth 8.19 ft · 2000-09-30 | 33 km |
| USGS-442450071052301 | depth 5.76 ft · 2024-05-22 | 61 km |
| USGS-435039070261101 | depth 15.8 ft · 2006-08-15 | 61 km |
| USGS-434955070261401 | depth 12.5 ft · 2026-10-19 | 61 km |
| USGS-440823070291501 | depth 10.9 ft · 2026-10-19 | 65 km |
| USGS-432310070393301 | depth 21.3 ft · 2026-10-19 | 69 km |
| USGS-442515070481002 | depth 9.27 ft · 2000-09-30 | 69 km |
| USGS-431618071293801 | depth 5.46 ft · 2018-10-01 | 70 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 #
$1.9 bn in deposits at 20 offices of 9 banks (SOD June 2026); HHI 1,754, moderately concentrated. $487.9 m federal obligations in FY2026 (direct payments $477.2 m, grants $8.4 m), $25,772 per covered job
| Item | Value | Distance |
|---|---|---|
| TD Bank, National Association | $415.1 m · 22.1% share · 2 offices | |
| Meredith Village Savings Bank | $399.1 m · 21.3% share · 5 offices | |
| The Camden National Bank | $329.0 m · 17.6% share · 4 offices | |
| Carroll, NH | $487.9 m FY2026 · $25,772/job | |
| MULTIPLE RECIPIENTS | $475.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TD Bank, National Association | $415,054,000 | 22.1% | 2 |
| Meredith Village Savings Bank | $399,136,000 | 21.3% | 5 |
| The Camden National Bank | $329,022,000 | 17.6% | 4 |
| Bank of New Hampshire | $307,535,000 | 16.4% | 3 |
| Citizens Bank, National Association | $271,218,000 | 14.5% | 2 |
| Manufacturers and Traders Trust Company | $69,523,000 | 3.7% | 1 |
| Profile Bank | $57,637,000 | 3.1% | 1 |
| Union Bank | $14,514,000 | 0.8% | 1 |
| Norway Savings Bank | $10,982,000 | 0.6% | 1 |
Deposit concentration is 1,754 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 22.1² + 21.3² + 17.6² + … (6 more) = 1,754
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 | $438,678,134 |
| Department of Veterans Affairs | $35,183,632 |
| Department of Transportation | $8,062,099 |
| Department of Agriculture | $3,436,268 |
| Railroad Retirement Board | $1,259,035 |
| Department of Housing and Urban Development | $742,567 |
| Federal Communications Commission | $436,503 |
| Department of Health and Human Services | $49,701 |
| Department of Defense | $26,479 |
| Department of Education | $22,098 |
| Department of the Interior | $1,673 |
| Small Business Administration | -$2,700 |
That is $25,772 per covered job, against 18,930 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $487.9 m / 18,930 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,772
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 #
Carroll County, NH: 18 findings, 9 at a watch level and 9 noted
watchCarroll County, NH's years of wages of 10.0 ranks 81st 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 = 97.38732854343566 >= 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
watchCarroll County, NH's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCarroll County, NH's years of wages is 10.0, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 10.012783098864267 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchCarroll County, NH's typical asking rent rose 5.7% from $2,062 in August 2026 to $2,179 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +5.7% = (2178.888888888889 - 2061.6814870104813) / 2061.6814870104813 × 100
- 2178.888888888889 = Zillow ZORI, 2026-09
- 2061.6814870104813 = Zillow ZORI, 2026-08
watchCarroll County, NH's covered employment of 18,930 scores 70 on the 0-to-100 scale across US counties but 22 across New Hampshire counties, a gap of 48 points.
Period 2026 Q1.Show the arithmetic
- 48 = |70 across US counties - 22 across New Hampshire counties|
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.