Currituck County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.37, -75.94.
Assembled 2026-10-19. Read the brief.
- 94th pct · 155th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 100 North Carolina counties · median $270,749
- 100th pct · 1st of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $385,676
- 26th pct · 2,243rd of 3,062 US counties · median +2.9%
- 43rd pct · 57th of 100 North Carolina counties · median +1.1%
- 0th pct · 18th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median +2.5%
- US counties: not published this period
- North Carolina counties: not published this period
- counties in the Virginia Beach-Chesapeake-Norfolk metro: not published this period
- 45th pct · 1,769th of 3,221 US counties · median 8,232
- 23rd pct · 77th of 100 North Carolina counties · median 16,739
- 29th pct · 13th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median 18,007
- 32nd pct · 2,183rd of 3,221 US counties · median $1,039
- 34th pct · 65th of 100 North Carolina counties · median $984
- 17th pct · 15th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $1,158
- 98th pct · 55th of 3,063 US counties · median 4.2
- 98th pct · 2nd of 100 North Carolina counties · median 5.0
- 100th pct · 1st of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median 6.8
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 $543,963 (Sep 2026), +0.7% over one year, +23.5% over five
- 94th pct · 155th of 3,063 US counties · median $230,451
- 97th pct · 3rd of 100 North Carolina counties · median $270,749
- 100th pct · 1st of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median $385,676
| Item | Value | Distance |
|---|---|---|
| Currituck County, NC | $543,963 · +0.7% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- North Carolina counties: not published this period
- counties in the Virginia Beach-Chesapeake-Norfolk metro: not published this period
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 $3,013 a month on $543,963 at 7.40%, against an average weekly wage worth $4,164 a month: 72.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $543,963 × 80% = $435,170, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,013/mo principal and interest
- wage share = payment / (avg weekly wage $961 × 52 / 12 = $4,164) = 72% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $543,963 / ($961 × 52) = 10.9
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 #
6,766 jobs at 1,060 employers (2026 Q1); +5.0% jobs and +1.3% average weekly wage over the year
- 45th pct · 1,769th of 3,221 US counties · median 8,232
- 23rd pct · 77th of 100 North Carolina counties · median 16,739
- 29th pct · 13th of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro · median 18,007
| Item | Value | Distance |
|---|---|---|
| Currituck County, NC | 6,766 jobs · $961/wk · +5.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 941 | $880 | 1.43 | +5.0% |
| Accommodation and food services | 849 | $439 | 1.40 | +11.0% |
| Construction | 652 | $1,063 | 1.84 | +6.2% |
| Administrative and waste services | 595 | $933 | 1.55 | -15.6% |
| Health care and social assistance | 401 | $957 | 0.39 | +6.1% |
| Professional and technical services | 305 | $1,560 | 0.65 | +0.0% |
| Real estate and rental | 285 | $1,103 | 2.75 | -15.2% |
| Arts, entertainment and recreation | 268 | $499 | 2.41 | +18.1% |
| Other services | 230 | $938 | 1.14 | +15.6% |
| Educational services | 185 | $842 | 1.27 | -2.1% |
| Manufacturing | 155 | $1,213 | 0.28 | +0.0% |
| Wholesale trade | 125 | $1,359 | 0.48 | +5.0% |
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 #
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| LAKE MATTAMUSKEET E OF NC HWY 94 NR FAIRFIELD, NC | 1.78 ft (USGS, no capacity on file) | 99 km |
| LAKE MATTAMUSKEET W OF NC HWY 94 NR FAIRFIELD, NC | 1.92 ft (USGS, no capacity on file) | 100 km |
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 #
102 gauges · 2 flooding · 9 with quality panels averaging 96 % · 15 stale
Sites found: 102, 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 |
|---|---|---|
| Little Neck Creek at Pinewood Rd in Virginia Beach (MLLW) | MINOR flooding | 54 km |
| Knitting Mill Creek at North Colley (IN MLLW) | MINOR flooding | 65 km |
| STORM DRAIN AT USAA DRIVE AT NORFOLK, VA | flow 2.22 ft³/s · quality 67 % (3) | 61 km |
| Currituck Sound at Coinjock Boat Ramp | no readings | 2 km |
| INTRACOASTAL WATERWAY AT COINJOCK, NC CU2 | flow -552.0 ft³/s · STALE | 3 km |
| Currituck Sound at Bells Island Campground near Maple | no readings | 6 km |
| CURRITUCK SOUND ON EAST BANK AT COROLLA, NC | stage -1.36 ft · low threshold | 10 km |
| Currituck Ferry | no readings | 11 km |
| Currituck Sound near Buckskin Creek at NC 168 near Sligo | low threshold | 15 km |
| Currituck Sound at Walnut Island near Grandy | no readings | 16 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 #
94 wells in 0 named aquifers:
Sites found: 94, 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-363337075595002 | depth 6.10 ft · 2026-10-18 | 22 km |
| USGS-363337075595001 | depth 13.8 ft · 2026-10-18 | 22 km |
| USGS-363812076021201 | depth 9.43 ft · 2004-02-10 | 31 km |
| USGS-361829076163201 | depth 5.96 ft · 2026-10-18 | 31 km |
| USGS-363714076063501 | depth 4.75 ft · 2002-05-15 | 31 km |
| USGS-363714076063502 | depth 9.15 ft · 2026-10-18 | 31 km |
| USGS-364126076003501 | depth 4.52 ft · 2026-10-18 | 36 km |
| USGS-364126076013401 | depth 9.05 ft · 2026-10-18 | 36 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 (0.17)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.04 / 0.55
Banks & federal dollars #
$301.2 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 7,645, highly concentrated. $244.7 m federal obligations in FY2026 (direct payments $243.0 m, contracts $987,337), $36,167 per covered job
| Item | Value | Distance |
|---|---|---|
| TowneBank | $260.2 m · 86.4% share · 2 offices | |
| Atlantic Union Bank | $41.1 m · 13.6% share · 1 office | |
| Currituck, NC | $244.7 m FY2026 · $36,167/job | |
| MULTIPLE RECIPIENTS | $242.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TowneBank | $260,164,000 | 86.4% | 2 |
| Atlantic Union Bank | $41,062,000 | 13.6% | 1 |
Deposit concentration is 7,645 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 86.4² + 13.6² = 7,645
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 | $163,365,675 |
| Department of Veterans Affairs | $78,384,715 |
| Railroad Retirement Board | $1,375,841 |
| Department of Agriculture | $675,941 |
| Federal Communications Commission | $263,296 |
| Department of Transportation | $155,296 |
| Department of Homeland Security | $154,697 |
| Department of the Interior | $114,680 |
| Department of Defense | $81,153 |
| General Services Administration | $66,706 |
| Department of Education | $64,913 |
| Small Business Administration | $0 |
That is $36,167 per covered job, against 6,766 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $244.7 m / 6,766 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,167
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 #
Currituck County, NC: 12 findings, 2 at a watch level and 10 noted
watchCurrituck County, NC's years of wages of 10.9 ranks 55th 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 = 98.23644676681907 >= 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
watchCurrituck County, NC's years of wages is 10.9, 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 = 10.885354877541017 >= 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
noteCurrituck County, NC's covered employment was 5.0% 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
- +5 % = 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
noteCurrituck County, NC's average weekly wage was 1.3% 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
- +1.3 % = 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
noteCurrituck County, NC's typical home value of $543,963 ranks 1st of 18 counties in the Virginia Beach-Chesapeake-Norfolk metro, against a median of $385,676.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 18 counties in the Virginia Beach-Chesapeake-Norfolk metro that published home.latest
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.