Goochland County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.72, -77.92.
Assembled 2026-10-19. Read the brief.
- 96th pct · 117th of 3,063 US counties · median $230,451
- 94th pct · 8th of 133 Virginia counties · median $309,231
- 100th pct · 1st of 17 counties in the Richmond metro · median $352,179
- 60th pct · 1,216th of 3,062 US counties · median +2.9%
- 68th pct · 42nd of 133 Virginia counties · median +2.8%
- 68th pct · 6th of 17 counties in the Richmond metro · median +3.0%
- 77th pct · 313th of 1,358 US counties · median $1,506
- 52nd pct · 34th of 71 Virginia counties · median $1,806
- 77th pct · 3rd of 10 counties in the Richmond metro · median $1,691
- 70th pct · 952nd of 3,221 US counties · median 8,232
- 71st pct · 39th of 133 Virginia counties · median 9,944
- 75th pct · 5th of 17 counties in the Richmond metro · median 9,487
- 99th pct · 7th of 3,221 US counties · median $1,039
- 100th pct · 1st of 133 Virginia counties · median $1,048
- 100th pct · 1st of 17 counties in the Richmond metro · median $1,211
- 34th pct · 2,002nd of 3,063 US counties · median 4.2
- 20th pct · 106th of 133 Virginia counties · median 5.4
- 18th pct · 14th of 17 counties in the Richmond metro · median 4.8
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 $583,172 (Sep 2026), +3.7% over one year, +22.7% over five
- 96th pct · 117th of 3,063 US counties · median $230,451
- 94th pct · 8th of 133 Virginia counties · median $309,231
- 100th pct · 1st of 17 counties in the Richmond metro · median $352,179
| Item | Value | Distance |
|---|---|---|
| Goochland County, VA | $583,172 · +3.7% 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 #
Typical rent $1,863/mo (Sep 2026), -1.7% over one year; price-to-rent 26.1
- 77th pct · 313th of 1,358 US counties · median $1,506
- 52nd pct · 34th of 71 Virginia counties · median $1,806
- 77th pct · 3rd of 10 counties in the Richmond metro · median $1,691
| Item | Value | Distance |
|---|---|---|
| Goochland County, VA | $1,863/mo · -1.7% 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 $3,230 a month on $583,172 at 7.40%, against an average weekly wage worth $13,659 a month: 23.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $583,172 × 80% = $466,538, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,230/mo principal and interest
- wage share = payment / (avg weekly wage $3,152 × 52 / 12 = $13,659) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $583,172 / ($3,152 × 52) = 3.6
- price-to-rent = $583,172 / ($1,863 × 12) = 26.1
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 #
19,302 jobs at 1,031 employers (2026 Q1); +3.9% jobs and -0.4% average weekly wage over the year
- 70th pct · 952nd of 3,221 US counties · median 8,232
- 71st pct · 39th of 133 Virginia counties · median 9,944
- 75th pct · 5th of 17 counties in the Richmond metro · median 9,487
| Item | Value | Distance |
|---|---|---|
| Goochland County, VA | 19,302 jobs · $3,152/wk · +3.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Management of companies | 1,825 | $2,451 | 5.65 | -7.2% |
| Construction | 1,340 | $1,399 | 1.32 | +15.1% |
| Health care and social assistance | 1,297 | $953 | 0.45 | +39.9% |
| Retail trade | 864 | $963 | 0.46 | -25.3% |
| Administrative and waste services | 617 | $993 | 0.56 | +0.5% |
| Accommodation and food services | 613 | $562 | 0.35 | -4.8% |
| Arts, entertainment and recreation | 565 | $618 | 1.78 | -4.6% |
| Professional and technical services | 474 | $1,824 | 0.36 | +17.9% |
| Other services | 471 | $1,305 | 0.82 | +22.7% |
| Wholesale trade | 400 | $1,652 | 0.54 | -10.5% |
| Manufacturing | 229 | $1,588 | 0.15 | +0.0% |
| Real estate and rental | 204 | $1,881 | 0.69 | +0.0% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
$573.7 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 3,231, highly concentrated. $279.7 m federal obligations in FY2026 (direct payments $268.9 m, grants $10.3 m), $14,488 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $221.8 m · 38.7% share · 2 offices | |
| United Bank | $218.4 m · 38.1% share · 2 offices | |
| Truist Bank | $83.3 m · 14.5% share · 1 office | |
| Goochland, VA | $279.7 m FY2026 · $14,488/job | |
| MULTIPLE RECIPIENTS | $252.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $221,842,000 | 38.7% | 2 |
| United Bank | $218,359,000 | 38.1% | 2 |
| Truist Bank | $83,286,000 | 14.5% | 1 |
| Citizens and Farmers Bank | $50,220,000 | 8.8% | 1 |
Deposit concentration is 3,231 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 38.7² + 38.1² + 14.5² + … (1 more) = 3,231
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 | $239,389,217 |
| Department of Education | $18,164,485 |
| Department of Veterans Affairs | $12,676,961 |
| Department of Transportation | $7,309,192 |
| Department of Agriculture | $716,311 |
| Railroad Retirement Board | $595,615 |
| Federal Communications Commission | $499,199 |
| Department of Justice | $118,723 |
| Department of Homeland Security | $111,816 |
| Department of Health and Human Services | $44,952 |
| Department of Defense | $20,488 |
| Department of State | $8,364 |
That is $14,488 per covered job, against 19,302 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $279.7 m / 19,302 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,488
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 #
Goochland County, VA: 19 findings, 4 at a watch level and 15 noted
watchGoochland County, VA's price-to-rent ratio of 26.1 ranks 66th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 95.21002210759028 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchGoochland County, VA's price-to-rent ratio is 26.1, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 26.091165995461246 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchGoochland County, VA's average weekly wage is -0.4% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -0.4 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchGoochland County, VA's typical asking rent is -1.1% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.0716911996217426 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteGoochland County, VA's covered employment was 3.9% 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
- +3.9 % = 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
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.