Granville County, NC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.30, -78.66.
Assembled 2026-10-20. Read the brief.
- 73rd pct · 814th of 3,063 US counties · median $230,451
- 67th pct · 33rd of 100 North Carolina counties · median $270,749
- 16th pct · 2,551st of 3,062 US counties · median +2.9%
- 18th pct · 82nd of 100 North Carolina counties · median +1.1%
- 78th pct · 297th of 1,358 US counties · median $1,506
- 88th pct · 8th of 62 North Carolina counties · median $1,550
- 72nd pct · 882nd of 3,221 US counties · median 8,232
- 58th pct · 42nd of 100 North Carolina counties · median 16,739
- 82nd pct · 578th of 3,221 US counties · median $1,039
- 89th pct · 11th of 100 North Carolina counties · median $984
- 61st pct · 1,169th of 3,063 US counties · median 4.2
- 46th pct · 54th of 100 North Carolina counties · median 5.0
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 $315,433 (Sep 2026), -0.6% over one year, +23.8% over five
- 73rd pct · 814th of 3,063 US counties · median $230,451
- 67th pct · 33rd of 100 North Carolina counties · median $270,749
| Item | Value | Distance |
|---|---|---|
| Granville County, NC | $315,433 · -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 $1,880/mo (Sep 2026), n/a over one year; price-to-rent 14.0
- 78th pct · 297th of 1,358 US counties · median $1,506
- 88th pct · 8th of 62 North Carolina counties · median $1,550
| Item | Value | Distance |
|---|---|---|
| Granville County, NC | $1,880/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 $1,747 a month on $315,433 at 7.40%, against an average weekly wage worth $5,477 a month: 31.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $315,433 × 80% = $252,346, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,747/mo principal and interest
- wage share = payment / (avg weekly wage $1,264 × 52 / 12 = $5,477) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $315,433 / ($1,264 × 52) = 4.8
- price-to-rent = $315,433 / ($1,880 × 12) = 14.0
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 #
21,351 jobs at 1,192 employers (2026 Q1); +2.5% jobs and +2.4% average weekly wage over the year
- 72nd pct · 882nd of 3,221 US counties · median 8,232
- 58th pct · 42nd of 100 North Carolina counties · median 16,739
| Item | Value | Distance |
|---|---|---|
| Granville County, NC | 21,351 jobs · $1,264/wk · +2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,419 | $1,591 | 2.57 | +2.7% |
| Transportation and warehousing | 1,939 | $1,182 | 2.15 | +5.8% |
| Retail trade | 1,738 | $837 | 0.84 | -1.1% |
| Health care and social assistance | 1,493 | $800 | 0.46 | +3.7% |
| Administrative and waste services | 1,216 | $902 | 1.00 | +11.7% |
| Accommodation and food services | 1,211 | $375 | 0.63 | +2.6% |
| Professional and technical services | 385 | $2,125 | 0.26 | +4.3% |
| Other services | 326 | $835 | 0.51 | +2.8% |
| Educational services | 280 | $1,051 | 0.61 | -5.7% |
| Finance and insurance | 184 | $1,840 | 0.21 | +2.2% |
| Real estate and rental | 98 | $735 | 0.30 | +40.0% |
| Arts, entertainment and recreation | 37 | $529 | 0.11 | -11.9% |
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$568.3 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,483, highly concentrated. $382.2 m federal obligations in FY2026 (direct payments $355.9 m, contracts $18.9 m), $17,899 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $211.9 m · 37.3% share · 2 offices | |
| First National Bank of Pennsylvania | $118.6 m · 20.9% share · 2 offices | |
| PNC Bank, National Association | $113.2 m · 19.9% share · 2 offices | |
| Granville, NC | $382.2 m FY2026 · $17,899/job | |
| MULTIPLE RECIPIENTS | $352.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $211,858,000 | 37.3% | 2 |
| First National Bank of Pennsylvania | $118,626,000 | 20.9% | 2 |
| PNC Bank, National Association | $113,244,000 | 19.9% | 2 |
| The Fidelity Bank | $80,258,000 | 14.1% | 1 |
| First Horizon Bank | $44,312,000 | 7.8% | 1 |
Deposit concentration is 2,483 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 37.3² + 20.9² + 19.9² + … (2 more) = 2,483
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 | $313,092,506 |
| Department of Veterans Affairs | $38,431,650 |
| Department of Justice | $19,647,333 |
| Department of Agriculture | $6,519,561 |
| Department of Housing and Urban Development | $2,366,596 |
| Department of Health and Human Services | $1,330,709 |
| Department of Defense | $1,066,380 |
| Department of Transportation | $1,047,555 |
| Railroad Retirement Board | $551,131 |
| Federal Communications Commission | $324,562 |
| General Services Administration | $150,668 |
| Consumer Product Safety Commission | $48,916 |
That is $17,899 per covered job, against 21,351 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $382.2 m / 21,351 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,899
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 #
Granville County, NC: 8 findings, 1 at a watch level and 7 noted
watchGranville County, NC's typical home value is -0.6% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.6118527747422281 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteGranville County, NC's covered employment was 2.5% 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
- +2.5 % = 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
noteGranville County, NC's average weekly wage was 2.4% 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
- +2.4 % = 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
noteGranville County, NC's typical asking rent rose 1.5% from $1,851 in August 2026 to $1,880 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.5% = (1880 - 1851.4328356292406) / 1851.4328356292406 × 100
- 1880 = Zillow ZORI, 2026-09
- 1851.4328356292406 = Zillow ZORI, 2026-08
noteGranville County, NC's typical home value fell 0.5% from $316,986 in August 2026 to $315,433 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.5% = (315432.62859755656 - 316986.11077617755) / 316986.11077617755 × 100
- 315432.62859755656 = Zillow ZHVI, 2026-09
- 316986.11077617755 = Zillow ZHVI, 2026-08
Read all 8 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.