Emanuel County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.59, -82.30.
Assembled 2026-10-19. Read the brief.
- 10th pct · 2,727th of 3,063 US counties · median $230,451
- 12th pct · 139th of 159 Georgia counties · median $215,610
- 61st pct · 1,194th of 3,062 US counties · median +2.9%
- 60th pct · 63rd of 159 Georgia counties · median +2.5%
- US counties: not published this period
- Georgia counties: not published this period
- 46th pct · 1,717th of 3,221 US counties · median 8,232
- 50th pct · 79th of 159 Georgia counties · median 7,095
- 26th pct · 2,350th of 3,221 US counties · median $1,039
- 39th pct · 96th of 159 Georgia counties · median $964
- 15th pct · 2,586th of 3,063 US counties · median 4.2
- 15th pct · 135th 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 $133,341 (Sep 2026), +3.7% over one year, +34.6% over five
- 10th pct · 2,727th of 3,063 US counties · median $230,451
- 12th pct · 139th of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Emanuel County, GA | $133,341 · +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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Georgia 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 $739 a month on $133,341 at 7.40%, against an average weekly wage worth $4,069 a month: 18.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $133,341 × 80% = $106,673, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $739/mo principal and interest
- wage share = payment / (avg weekly wage $939 × 52 / 12 = $4,069) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $133,341 / ($939 × 52) = 2.7
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 #
7,235 jobs at 488 employers (2026 Q1); +0.1% jobs and +3.8% average weekly wage over the year
- 46th pct · 1,717th of 3,221 US counties · median 8,232
- 50th pct · 79th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Emanuel County, GA | 7,235 jobs · $939/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,524 | $1,407 | 2.62 | +1.3% |
| Retail trade | 957 | $650 | 1.36 | -0.7% |
| Accommodation and food services | 569 | $340 | 0.88 | +6.0% |
| Wholesale trade | 403 | $1,028 | 1.45 | +2.5% |
| Construction | 221 | $900 | 0.58 | +18.8% |
| Transportation and warehousing | 190 | $957 | 0.62 | -20.8% |
| Finance and insurance | 184 | $1,464 | 0.62 | -5.6% |
| Agriculture, forestry, fishing | 172 | $936 | 3.29 | -0.6% |
| Professional and technical services | 134 | $994 | 0.27 | -10.1% |
| Administrative and waste services | 105 | $784 | 0.26 | -2.8% |
| Real estate and rental | 38 | $489 | 0.34 | +171.4% |
| Arts, entertainment and recreation | 13 | $325 | 0.11 | -53.6% |
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 #
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 #
$499.4 m in deposits at 7 offices of 5 banks (SOD June 2026); HHI 3,168, highly concentrated. $234.8 m federal obligations in FY2026 (direct payments $163.0 m, contracts $58.8 m), $32,448 per covered job
| Item | Value | Distance |
|---|---|---|
| The Citizens Bank of Swainsboro | $203.1 m · 40.7% share · 2 offices | |
| Durden Banking Company, Incorporated | $175.8 m · 35.2% share · 2 offices | |
| Queensborough National Bank & Trust Company | $74.0 m · 14.8% share · 1 office | |
| Emanuel, GA | $234.8 m FY2026 · $32,448/job | |
| MULTIPLE RECIPIENTS | $126.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Citizens Bank of Swainsboro | $203,147,000 | 40.7% | 2 |
| Durden Banking Company, Incorporated | $175,761,000 | 35.2% | 2 |
| Queensborough National Bank & Trust Company | $74,018,000 | 14.8% | 1 |
| Truist Bank | $35,304,000 | 7.1% | 1 |
| Sunmark Community Bank | $11,208,000 | 2.2% | 1 |
Deposit concentration is 3,168 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 = 40.7² + 35.2² + 14.8² + … (2 more) = 3,168
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 | $109,578,009 |
| Department of Agriculture | $91,795,759 |
| Department of Veterans Affairs | $15,585,504 |
| Department of Health and Human Services | $9,251,092 |
| Department of Education | $3,203,012 |
| Department of Housing and Urban Development | $2,349,332 |
| Railroad Retirement Board | $909,277 |
| Department of Justice | $845,065 |
| Federal Communications Commission | $834,053 |
| Department of Transportation | $411,792 |
| Small Business Administration | $265 |
That is $32,448 per covered job, against 7,235 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $234.8 m / 7,235 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,448
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 #
Emanuel County, GA: 5 findings, 5 noted
noteEmanuel County, GA's average weekly wage was 3.8% 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
- +3.8 % = 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
noteEmanuel County, GA's typical home value fell 0.6% from $134,196 in August 2026 to $133,341 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.6% = (133341.3647280348 - 134196.15884186354) / 134196.15884186354 × 100
- 133341.3647280348 = Zillow ZHVI, 2026-09
- 134196.15884186354 = Zillow ZHVI, 2026-08
noteEmanuel County, GA's covered employment was 0.1% 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
- +0.1 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Emanuel County, GA is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering Emanuel County, GA is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.