Upshur County, WV
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.90, -80.23.
Assembled 2026-10-19. Read the brief.
- 17th pct · 2,525th of 3,063 US counties · median $230,451
- 51st pct · 27th of 55 West Virginia counties · median $151,294
- 45th pct · 1,673rd of 3,062 US counties · median +2.9%
- 46th pct · 30th of 55 West Virginia counties · median +2.6%
- US counties: not published this period
- West Virginia counties: not published this period
- 47th pct · 1,682nd of 3,221 US counties · median 8,232
- 59th pct · 23rd of 55 West Virginia counties · median 5,555
- 36th pct · 2,051st of 3,221 US counties · median $1,039
- 31st pct · 38th of 55 West Virginia counties · median $1,076
- 21st pct · 2,414th of 3,063 US counties · median 4.2
- 64th pct · 20th of 55 West Virginia counties · median 2.7
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 $152,038 (Sep 2026), +2.5% over one year, +24.5% over five
- 17th pct · 2,525th of 3,063 US counties · median $230,451
- 51st pct · 27th of 55 West Virginia counties · median $151,294
| Item | Value | Distance |
|---|---|---|
| Upshur County, WV | $152,038 · +2.5% 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
- West Virginia counties: 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 $842 a month on $152,038 at 7.40%, against an average weekly wage worth $4,234 a month: 19.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $152,038 × 80% = $121,631, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $842/mo principal and interest
- wage share = payment / (avg weekly wage $977 × 52 / 12 = $4,234) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $152,038 / ($977 × 52) = 3.0
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 #
7,543 jobs at 846 employers (2026 Q1); -1.3% jobs and +2.4% average weekly wage over the year
- 47th pct · 1,682nd of 3,221 US counties · median 8,232
- 59th pct · 23rd of 55 West Virginia counties · median 5,555
| Item | Value | Distance |
|---|---|---|
| Upshur County, WV | 7,543 jobs · $977/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,101 | $722 | 1.50 | +1.3% |
| Accommodation and food services | 645 | $403 | 0.95 | -9.9% |
| Manufacturing | 640 | $1,373 | 1.05 | -8.6% |
| Construction | 500 | $1,112 | 1.26 | +3.3% |
| Professional and technical services | 265 | $1,022 | 0.51 | +6.9% |
| Wholesale trade | 237 | $1,293 | 0.82 | +4.4% |
| Mining, oil and gas | 229 | $1,429 | 8.53 | +21.2% |
| Other services | 150 | $738 | 0.67 | -3.8% |
| Administrative and waste services | 147 | $760 | 0.34 | +19.5% |
| Information | 101 | $1,744 | 0.73 | +3.1% |
| Finance and insurance | 95 | $1,476 | 0.31 | -7.8% |
| Real estate and rental | 57 | $993 | 0.49 | +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 #
$566.3 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,392, highly concentrated. $179.9 m federal obligations in FY2026 (direct payments $163.5 m, grants $15.2 m), $23,853 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank of West Virginia, Inc. | $173.1 m · 30.6% share · 1 office | |
| JPMorgan Chase Bank, National Association | $155.9 m · 27.5% share · 1 office | |
| First Community Bank | $127.4 m · 22.5% share · 2 offices | |
| Upshur, WV | $179.9 m FY2026 · $23,853/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank of West Virginia, Inc. | $173,056,000 | 30.6% | 1 |
| JPMorgan Chase Bank, National Association | $155,947,000 | 27.5% | 1 |
| First Community Bank | $127,370,000 | 22.5% | 2 |
| Peoples Bank | $63,856,000 | 11.3% | 1 |
| Freedom Bank, Inc. | $46,021,000 | 8.1% | 1 |
Deposit concentration is 2,392 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 = 30.6² + 27.5² + 22.5² + … (2 more) = 2,392
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 $23,853 per covered job, against 7,543 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $179.9 m / 7,543 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,853
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 #
Upshur County, WV: 7 findings, 3 at a watch level and 4 noted
watchUpshur County, WV'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
watchUpshur County, WV's years of wages of 3.0 scores 21 on the 0-to-100 scale across US counties but 65 across West Virginia counties, a gap of 44 points.
Period 2026-09.Show the arithmetic
- 44 = |21 across US counties - 65 across West Virginia counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchUpshur County, WV's typical home value of $152,038 scores 18 on the 0-to-100 scale across US counties but 52 across West Virginia counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |18 across US counties - 52 across West Virginia counties|
position among the entities that published this metric this period; not an official level
noteUpshur County, WV'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
noteUpshur County, WV's covered employment was 1.3% lower 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
Read all 7 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.