Loudoun County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.08, -77.64.
Assembled 2026-10-19. Read the brief.
- 98th pct · 42nd of 3,063 US counties · median $230,451
- 98th pct · 3rd of 133 Virginia counties · median $309,231
- 90th pct · 3rd of 23 counties in the Washington-Arlington-Alexandria metro · median $562,284
- 35th pct · 1,980th of 3,062 US counties · median +2.9%
- 22nd pct · 103rd of 133 Virginia counties · median +2.8%
- 50th pct · 12th of 23 counties in the Washington-Arlington-Alexandria metro · median +1.6%
- 96th pct · 45th of 1,358 US counties · median $1,506
- 100th pct · 1st of 71 Virginia counties · median $1,806
- 100th pct · 1st of 22 counties in the Washington-Arlington-Alexandria metro · median $2,255
- 95th pct · 157th of 3,221 US counties · median 8,232
- 99th pct · 2nd of 133 Virginia counties · median 9,944
- 81st pct · 5th of 23 counties in the Washington-Arlington-Alexandria metro · median 38,075
- 96th pct · 104th of 3,221 US counties · median $1,039
- 93rd pct · 9th of 133 Virginia counties · median $1,048
- 72nd pct · 7th of 23 counties in the Washington-Arlington-Alexandria metro · median $1,341
- 95th pct · 153rd of 3,063 US counties · median 4.2
- 94th pct · 8th of 133 Virginia counties · median 5.4
- 77th pct · 6th of 23 counties in the Washington-Arlington-Alexandria metro · median 7.1
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 $792,206 (Sep 2026), +1.6% over one year, +21.2% over five
- 98th pct · 42nd of 3,063 US counties · median $230,451
- 98th pct · 3rd of 133 Virginia counties · median $309,231
- 90th pct · 3rd of 23 counties in the Washington-Arlington-Alexandria metro · median $562,284
| Item | Value | Distance |
|---|---|---|
| Loudoun County, VA | $792,206 · +1.6% 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 $2,826/mo (Sep 2026), +1.8% over one year; price-to-rent 23.4
- 96th pct · 45th of 1,358 US counties · median $1,506
- 100th pct · 1st of 71 Virginia counties · median $1,806
- 100th pct · 1st of 22 counties in the Washington-Arlington-Alexandria metro · median $2,255
| Item | Value | Distance |
|---|---|---|
| Loudoun County, VA | $2,826/mo · +1.8% 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 $4,388 a month on $792,206 at 7.40%, against an average weekly wage worth $7,635 a month: 57.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $792,206 × 80% = $633,765, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $4,388/mo principal and interest
- wage share = payment / (avg weekly wage $1,762 × 52 / 12 = $7,635) = 57% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $792,206 / ($1,762 × 52) = 8.6
- price-to-rent = $792,206 / ($2,826 × 12) = 23.4
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 #
206,071 jobs at 15,201 employers (2026 Q1); +2.7% jobs and +1.6% average weekly wage over the year
- 95th pct · 157th of 3,221 US counties · median 8,232
- 99th pct · 2nd of 133 Virginia counties · median 9,944
- 81st pct · 5th of 23 counties in the Washington-Arlington-Alexandria metro · median 38,075
| Item | Value | Distance |
|---|---|---|
| Loudoun County, VA | 206,071 jobs · $1,762/wk · +2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 27,064 | $2,075 | 2.51 | +17.9% |
| Professional and technical services | 24,445 | $2,682 | 1.72 | -3.7% |
| Health care and social assistance | 19,464 | $1,276 | 0.63 | +1.9% |
| Accommodation and food services | 17,782 | $652 | 0.96 | -1.4% |
| Retail trade | 17,015 | $817 | 0.85 | -0.2% |
| Administrative and waste services | 13,320 | $1,113 | 1.14 | +11.3% |
| Transportation and warehousing | 13,102 | $1,276 | 1.51 | +0.3% |
| Manufacturing | 7,226 | $2,354 | 0.44 | -2.9% |
| Information | 6,747 | $5,313 | 1.78 | -7.0% |
| Other services | 6,429 | $1,075 | 1.04 | +0.4% |
| Finance and insurance | 4,407 | $3,344 | 0.52 | +9.2% |
| Arts, entertainment and recreation | 3,742 | $2,449 | 1.10 | +4.6% |
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 #
D0 abnormally dry
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 #
$9.4 bn in deposits at 74 offices of 20 banks (SOD June 2026); HHI 1,051, moderately concentrated. $5.6 bn federal obligations in FY2026 (contracts $3.8 bn, direct payments $1.6 bn), $27,189 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $1.7 bn · 17.8% share · 12 offices | |
| Bank of America, National Association | $1.5 bn · 16.4% share · 7 offices | |
| Wells Fargo Bank, National Association | $1.4 bn · 15.1% share · 10 offices | |
| Loudoun, VA | $5.6 bn FY2026 · $27,189/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $1,678,674,000 | 17.8% | 12 |
| Bank of America, National Association | $1,546,978,000 | 16.4% | 7 |
| Wells Fargo Bank, National Association | $1,420,071,000 | 15.1% | 10 |
| Atlantic Union Bank | $746,162,000 | 7.9% | 5 |
| Capital One, National Association | $616,121,000 | 6.5% | 3 |
| PNC Bank, National Association | $560,637,000 | 6.0% | 5 |
| United Bank | $471,239,000 | 5.0% | 5 |
| JPMorgan Chase Bank, National Association | $427,938,000 | 4.5% | 8 |
| Bank Of Clarke | $382,031,000 | 4.1% | 3 |
| Potomac Bank | $257,548,000 | 2.7% | 3 |
Deposit concentration is 1,051 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 = 17.8² + 16.4² + 15.1² + … (17 more) = 1,051
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 #
That is $27,189 per covered job, against 206,071 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $5.6 bn / 206,071 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,189
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 #
Loudoun County, VA: 18 findings, 1 at a watch level and 17 noted
watchLoudoun County, VA's years of wages of 8.6 ranks 153rd 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 = 95.03592423252776 >= 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
noteLoudoun County, VA's covered employment was 2.7% 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
- +2.7 % = 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
noteLoudoun County, VA's average weekly wage was 1.6% 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
- +1.6 % = 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
noteLoudoun County, VA's covered employment of +2.7% ranks 1st of 23 counties in the Washington-Arlington-Alexandria metro, against a median of -1.4%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 23 counties in the Washington-Arlington-Alexandria metro that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteLoudoun County, VA's typical asking rent of $2,826 ranks 1st of 22 counties in the Washington-Arlington-Alexandria metro, against a median of $2,255.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 22 counties in the Washington-Arlington-Alexandria metro that published rent.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.