Jackson County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.13, -83.56.
Assembled 2026-10-20. Read the brief.
- 86th pct · 416th of 3,063 US counties · median $230,451
- 91st pct · 15th of 159 Georgia counties · median $215,610
- 17th pct · 2,539th of 3,062 US counties · median +2.9%
- 15th pct · 134th of 159 Georgia counties · median +2.5%
- 88th pct · 159th of 1,358 US counties · median $1,506
- 89th pct · 8th of 69 Georgia counties · median $1,701
- 81st pct · 583rd of 3,221 US counties · median 8,232
- 82nd pct · 28th of 159 Georgia counties · median 7,095
- 55th pct · 1,438th of 3,221 US counties · median $1,039
- 68th pct · 51st of 159 Georgia counties · median $964
- 90th pct · 297th of 3,063 US counties · median 4.2
- 89th pct · 17th 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 $400,788 (Sep 2026), -0.5% over one year, +25.2% over five
- 86th pct · 416th of 3,063 US counties · median $230,451
- 91st pct · 15th of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Jackson County, GA | $400,788 · -0.5% 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 #
Typical rent $2,138/mo (Sep 2026), +1.6% over one year; price-to-rent 15.6
- 88th pct · 159th of 1,358 US counties · median $1,506
- 89th pct · 8th of 69 Georgia counties · median $1,701
| Item | Value | Distance |
|---|---|---|
| Jackson County, GA | $2,138/mo · +1.6% 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 $2,220 a month on $400,788 at 7.40%, against an average weekly wage worth $4,606 a month: 48.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $400,788 × 80% = $320,631, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,220/mo principal and interest
- wage share = payment / (avg weekly wage $1,063 × 52 / 12 = $4,606) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $400,788 / ($1,063 × 52) = 7.3
- price-to-rent = $400,788 / ($2,138 × 12) = 15.6
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 #
42,053 jobs at 2,380 employers (2026 Q1); -6.9% jobs and +5.5% average weekly wage over the year
- 81st pct · 583rd of 3,221 US counties · median 8,232
- 82nd pct · 28th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Jackson County, GA | 42,053 jobs · $1,063/wk · -6.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,355 | $1,319 | 2.77 | +0.1% |
| Transportation and warehousing | 7,066 | $862 | 3.99 | -43.9% |
| Retail trade | 5,345 | $853 | 1.30 | +5.5% |
| Accommodation and food services | 2,242 | $429 | 0.59 | +4.3% |
| Construction | 1,800 | $1,644 | 0.82 | +2.9% |
| Administrative and waste services | 1,622 | $678 | 0.68 | +41.4% |
| Health care and social assistance | 1,527 | $903 | 0.24 | +4.0% |
| Real estate and rental | 1,460 | $1,100 | 2.26 | -4.8% |
| Other services | 792 | $1,106 | 0.63 | +2.5% |
| Finance and insurance | 374 | $1,607 | 0.22 | +23.0% |
| Agriculture, forestry, fishing | 244 | $940 | 0.80 | +0.0% |
| Arts, entertainment and recreation | 170 | $463 | 0.25 | +6.9% |
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 #
13 USGS reservoir gauges, no capacity figures to weight
Sites found: 13, 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 |
|---|---|---|
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,063 ft (USGS, no capacity on file) | 47 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 732.4 ft (USGS, no capacity on file) | 56 km |
| HARTWELL LAKE NEAR ANDERSON, SC | 648.9 ft (USGS, no capacity on file) | 77 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 864.4 ft (USGS, no capacity on file) | 78 km |
| RUSSELL LAKE ABOVE CALHOUN FALLS, SC | 473.5 ft (USGS, no capacity on file) | 87 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 834.8 ft (USGS, no capacity on file) | 107 km |
| CARTERS LAKE NEAR CARTERS, GA | 1,070 ft (USGS, no capacity on file) | 115 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 41.0 ft (USGS, no capacity on file) | 116 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 #
106 gauges · 0 flooding · 45 with quality panels averaging 100 % · 8 stale
Sites found: 106, 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 |
|---|---|---|
| PARKS CREEK AT LYLE FIELD RD NR JEFFERSON, GA | flow 1.78 ft³/s · quality 100 % (5) | 5 km |
| NORTH OCONEE R AT WOODBRIDGE RD, NEAR COMMERCE, GA | flow 27.1 ft³/s | 9 km |
| MIDDLE OCONEE RIVER NEAR ARCADE, GA | flow 92.9 ft³/s | 11 km |
| MULBERRY CREEK NEAR WINDER, GA | flow 31.4 ft³/s | 17 km |
| GROVE CREEK AT US 441 AND GA 15 NEAR COMMERCE, GA | flow 19.7 ft³/s | 18 km |
| MULBERRY RIVER AT PEACHTREE RD, AT HOSCHTON, GA | stage 5.59 ft | 21 km |
| L MULBERRY R AT OLD THOMPSON MILL, NR HOSCHTON, GA | stage 2.60 ft | 22 km |
| MIDDLE OCONEE RIVER NEAR ATHENS, GA | flow 100.0 ft³/s | 24 km |
| NORTH OCONEE RIVER AT COLLEGE ST, AT ATHENS, GA | flow 41.5 ft³/s | 25 km |
| ROCK CREEK AT PARKS MILL RD, NEAR AUBURN, GA | flow 2.15 ft³/s | 27 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 #
44 wells in 0 named aquifers:
Sites found: 44, 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-341020083201701 | depth 13.3 ft · 2002-04-25 | 21 km |
| USGS-340204083132601 | depth 17.7 ft · 2026-10-19 | 33 km |
| USGS-340224083125101 | depth 32.0 ft · 2006-12-03 | 34 km |
| USGS-340049083551101 | depth 85.8 ft · 2011-06-01 | 35 km |
| USGS-335905083565102 | depth 13.6 ft · 2008-02-24 | 39 km |
| USGS-335905083565101 | depth 13.9 ft · 2008-02-24 | 39 km |
| USGS-335902083565901 | depth -14.1 ft · 2001-10-09 | 39 km |
| USGS-335839083572301 | depth 31.9 ft · 2006-10-25 | 40 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.9 bn in deposits at 14 offices of 10 banks (SOD June 2026); HHI 1,795, moderately concentrated. $501.9 m federal obligations in FY2026 (direct payments $498.1 m, grants $3.3 m), $11,934 per covered job
| Item | Value | Distance |
|---|---|---|
| First Century Bank, National Association | $653.0 m · 34.0% share · 1 office | |
| SouthState Bank, National Association | $283.2 m · 14.8% share · 3 offices | |
| United Community Bank | $207.0 m · 10.8% share · 1 office | |
| Jackson, GA | $501.9 m FY2026 · $11,934/job | |
| MULTIPLE RECIPIENTS | $495.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Century Bank, National Association | $653,016,000 | 34.0% | 1 |
| SouthState Bank, National Association | $283,195,000 | 14.8% | 3 |
| United Community Bank | $207,021,000 | 10.8% | 1 |
| United Bank | $196,075,000 | 10.2% | 1 |
| Bank OZK | $159,478,000 | 8.3% | 1 |
| Regions Bank | $150,223,000 | 7.8% | 2 |
| Northeast Georgia Bank | $107,082,000 | 5.6% | 2 |
| Wells Fargo Bank, National Association | $97,602,000 | 5.1% | 1 |
| Vallant Bank | $59,140,000 | 3.1% | 1 |
| Exchange Bank | $5,175,000 | 0.3% | 1 |
Deposit concentration is 1,795 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 34.0² + 14.8² + 10.8² + … (7 more) = 1,795
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 | $407,976,811 |
| Department of Veterans Affairs | $83,930,208 |
| Railroad Retirement Board | $3,544,896 |
| Department of Transportation | $2,438,537 |
| Federal Communications Commission | $1,912,924 |
| Department of Agriculture | $1,070,639 |
| Department of Housing and Urban Development | $883,542 |
| Department of the Interior | $40,627 |
| Department of Homeland Security | $39,911 |
| Department of Health and Human Services | $20,000 |
| Department of Justice | $15,000 |
| Small Business Administration | $0 |
That is $11,934 per covered job, against 42,053 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $501.9 m / 42,053 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,934
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 #
Jackson County, GA: 12 findings, 1 at an alert level, 3 at a watch level and 8 noted
alertJackson County, GA's covered employment is -6.9% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -6.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchJackson County, GA's covered employment is -6.9% 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 = -6.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchJackson County, GA's typical home value is -0.5% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.5395738811464532 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchJackson County, GA's years of wages of 7.3 ranks 297th 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 = 90.33311561071196 >= 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
noteJackson County, GA's covered employment was 6.9% 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
- -6.9 % = 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.