Baldwin County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.06, -83.26.
Assembled 2026-10-19. Read the brief.
- 50th pct · 1,517th of 3,063 US counties · median $230,451
- 55th pct · 72nd of 159 Georgia counties · median $215,610
- 30th pct · 2,143rd of 3,062 US counties · median +2.9%
- 29th pct · 112th of 159 Georgia counties · median +2.5%
- 46th pct · 733rd of 1,358 US counties · median $1,506
- 29th pct · 49th of 69 Georgia counties · median $1,701
- 67th pct · 1,053rd of 3,221 US counties · median 8,232
- 73rd pct · 43rd of 159 Georgia counties · median 7,095
- 11th pct · 2,859th of 3,221 US counties · median $1,039
- 11th pct · 141st of 159 Georgia counties · median $964
- 69th pct · 939th of 3,063 US counties · median 4.2
- 69th pct · 49th of 159 Georgia counties · median 4.2
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 $231,908 (Sep 2026), +1.0% over one year, +21.7% over five
- 50th pct · 1,517th of 3,063 US counties · median $230,451
- 55th pct · 72nd of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Baldwin County, GA | $231,908 · +1.0% 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 $1,458/mo (Sep 2026), +7.0% over one year; price-to-rent 13.3
- 46th pct · 733rd of 1,358 US counties · median $1,506
- 29th pct · 49th of 69 Georgia counties · median $1,701
| Item | Value | Distance |
|---|---|---|
| Baldwin County, GA | $1,458/mo · +7.0% 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 $1,285 a month on $231,908 at 7.40%, against an average weekly wage worth $3,670 a month: 35.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $231,908 × 80% = $185,526, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,285/mo principal and interest
- wage share = payment / (avg weekly wage $847 × 52 / 12 = $3,670) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $231,908 / ($847 × 52) = 5.3
- price-to-rent = $231,908 / ($1,458 × 12) = 13.3
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 #
16,802 jobs at 1,014 employers (2026 Q1); +2.3% jobs and -2.3% average weekly wage over the year
- 67th pct · 1,053rd of 3,221 US counties · median 8,232
- 73rd pct · 43rd of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Baldwin County, GA | 16,802 jobs · $847/wk · +2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,033 | $805 | 1.60 | +13.9% |
| Retail trade | 2,319 | $660 | 1.42 | -0.8% |
| Accommodation and food services | 2,266 | $363 | 1.50 | +1.3% |
| Administrative and waste services | 831 | $795 | 0.87 | +1.8% |
| Manufacturing | 707 | $1,305 | 0.52 | -14.1% |
| Wholesale trade | 536 | $1,313 | 0.83 | -7.3% |
| Other services | 295 | $759 | 0.59 | +12.6% |
| Finance and insurance | 265 | $1,655 | 0.39 | -1.5% |
| Educational services | 159 | $466 | 0.44 | -5.4% |
| Arts, entertainment and recreation | 109 | $361 | 0.39 | +3.8% |
| Real estate and rental | 97 | $856 | 0.38 | -15.7% |
| Utilities | 51 | $3,842 | 0.77 | +6.2% |
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 #
11 USGS reservoir gauges, no capacity figures to weight
Sites found: 11, 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 |
|---|---|---|
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 732.4 ft (USGS, no capacity on file) | 98 km |
| LAKE HORTON HEADWATER NEAR FAYETTEVILLE, GA | 775.2 ft (USGS, no capacity on file) | 112 km |
| BUTLER CREEK RESERVOIR AT FORT GORDON, GA | 27.4 ft (USGS, no capacity on file) | 115 km |
| THURMOND LAKE NEAR PLUM BRANCH, SC | 319.4 ft (USGS, no capacity on file) | 121 km |
| SAVANNAH RVR AT STEVENS CREEK DAM NR MORGANA, SC | 184.8 ft (USGS, no capacity on file) | 125 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.4 ft (USGS, no capacity on file) | 128 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 779.0 ft (USGS, no capacity on file) | 128 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 834.3 ft (USGS, no capacity on file) | 129 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 #
26 gauges · 0 flooding · 3 with quality panels averaging 100 % · 3 stale
Sites found: 26, 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 |
|---|---|---|
| OCONEE RIVER AT MILLEDGEVILLE, GA | flow 323.0 ft³/s | 5 km |
| OCONEE RIVER AT AVANT MINE, NEAR OCONEE, GA | flow 347.0 ft³/s · quality 100 % (1) | 22 km |
| COMMISSIONER CREEK AT US 441, AT MCINTYRE, GA | flow 22.0 ft³/s | 24 km |
| MURDER CREEK BELOW EATONTON, GA | flow 5.34 ft³/s | 30 km |
| LITTLE RIVER NEAR EATONTON, GA | flow 12.0 ft³/s | 33 km |
| BUFFALO CREEK AT GA 272, NEAR OCONEE, GA | flow 6.09 ft³/s | 33 km |
| BIG SANDY CREEK AT US 441, NEAR IRWINTON, GA | flow 13.9 ft³/s | 34 km |
| WALNUT CREEK NEAR GRAY, GA | flow 10.0 ft³/s · STALE | 35 km |
| OCONEE RIVER NEAR OCONEE, GA | flow 424.0 ft³/s | 41 km |
| OCMULGEE RIVER AT MACON, GA | flow 532.0 ft³/s | 42 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-325116083211201 | depth 141.3 ft · 1983-12-09 | 25 km |
| USGS-325848082480901 | depth 256.0 ft · 2026-10-18 | 43 km |
| USGS-332808083010201 | depth 5.86 ft · 2026-10-18 | 51 km |
| USGS-323302083263401 | depth 171.6 ft · 2026-10-18 | 59 km |
| USGS-323915083435801 | depth 128.8 ft · 1976-03-31 | 63 km |
| USGS-324209082430201 | depth 158.2 ft · 2026-10-18 | 64 km |
| USGS-323030083030003 | depth 51.6 ft · 2026-10-18 | 64 km |
| USGS-322652083033001 | depth 35.3 ft · 2026-10-18 | 70 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$878.0 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,945, highly concentrated. $308.5 m federal obligations in FY2026 (direct payments $278.5 m, grants $19.3 m), $18,359 per covered job
| Item | Value | Distance |
|---|---|---|
| Century Bank and Trust | $342.5 m · 39.0% share · 2 offices | |
| Exchange Bank | $266.8 m · 30.4% share · 2 offices | |
| Truist Bank | $186.3 m · 21.2% share · 1 office | |
| Baldwin, GA | $308.5 m FY2026 · $18,359/job | |
| MULTIPLE RECIPIENTS | $252.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Century Bank and Trust | $342,519,000 | 39.0% | 2 |
| Exchange Bank | $266,756,000 | 30.4% | 2 |
| Truist Bank | $186,343,000 | 21.2% | 1 |
| Magnolia State Bank | $56,132,000 | 6.4% | 2 |
| Citizens Bank of the South | $26,214,000 | 3.0% | 1 |
Deposit concentration is 2,945 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 = 39.0² + 30.4² + 21.2² + … (2 more) = 2,945
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 | $217,726,809 |
| Department of Veterans Affairs | $48,051,647 |
| Department of Education | $23,823,760 |
| Department of Defense | $10,575,348 |
| Department of Transportation | $2,831,905 |
| Department of Housing and Urban Development | $1,995,426 |
| Department of Agriculture | $1,269,617 |
| Department of Health and Human Services | $1,167,016 |
| Railroad Retirement Board | $736,102 |
| Federal Communications Commission | $291,166 |
| Small Business Administration | $21,881 |
| Department of Justice | -$7 |
That is $18,359 per covered job, against 16,802 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $308.5 m / 16,802 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,359
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 #
Baldwin County, GA: 8 findings, 1 at a watch level and 7 noted
watchBaldwin County, GA's average weekly wage is -2.3% 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 = -2.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteBaldwin County, GA's average weekly wage was 2.3% 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
- -2.3 % = 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
noteBaldwin County, GA's covered employment was 2.3% 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
- +2.3 % = 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
noteBaldwin County, GA's typical asking rent rose 0.8% from $1,447 in August 2026 to $1,458 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.8% = (1458.361111111111 - 1447.1232179035826) / 1447.1232179035826 × 100
- 1458.361111111111 = Zillow ZORI, 2026-09
- 1447.1232179035826 = Zillow ZORI, 2026-08
noteBaldwin County, GA's typical home value fell 0.7% from $233,426 in August 2026 to $231,908 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.7% = (231908.06959740887 - 233426.0028208884) / 233426.0028208884 × 100
- 231908.06959740887 = Zillow ZHVI, 2026-09
- 233426.0028208884 = 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.