Lincoln County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.79, -82.45.
Assembled 2026-10-20. Read the brief.
- 59th pct · 1,238th of 3,063 US counties · median $230,451
- 62nd pct · 60th of 159 Georgia counties · median $215,610
- 66th pct · 3rd of 7 counties in the Augusta-Richmond County metro · median $243,437
- 86th pct · 424th of 3,062 US counties · median +2.9%
- 82nd pct · 29th of 159 Georgia counties · median +2.5%
- 83rd pct · 2nd of 7 counties in the Augusta-Richmond County metro · median +3.2%
- US counties: not published this period
- Georgia counties: not published this period
- counties in the Augusta-Richmond County metro: not published this period
- 10th pct · 2,871st of 3,221 US counties · median 8,232
- 12th pct · 140th of 159 Georgia counties · median 7,095
- 0th pct · 7th of 7 counties in the Augusta-Richmond County metro · median 7,442
- 8th pct · 2,946th of 3,221 US counties · median $1,039
- 5th pct · 151st of 159 Georgia counties · median $964
- 0th pct · 7th of 7 counties in the Augusta-Richmond County metro · median $1,053
- 79th pct · 616th of 3,063 US counties · median 4.2
- 79th pct · 34th of 159 Georgia counties · median 4.2
- 83rd pct · 2nd of 7 counties in the Augusta-Richmond County metro · 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 $258,826 (Sep 2026), +6.7% over one year, +26.5% over five
- 59th pct · 1,238th of 3,063 US counties · median $230,451
- 62nd pct · 60th of 159 Georgia counties · median $215,610
- 66th pct · 3rd of 7 counties in the Augusta-Richmond County metro · median $243,437
| Item | Value | Distance |
|---|---|---|
| Lincoln County, GA | $258,826 · +6.7% 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
- counties in the Augusta-Richmond County metro: 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 $1,434 a month on $258,826 at 7.40%, against an average weekly wage worth $3,571 a month: 40.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $258,826 × 80% = $207,061, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,434/mo principal and interest
- wage share = payment / (avg weekly wage $824 × 52 / 12 = $3,571) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $258,826 / ($824 × 52) = 6.0
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 #
1,449 jobs at 202 employers (2026 Q1); +1.4% jobs and +2.1% average weekly wage over the year
- 10th pct · 2,871st of 3,221 US counties · median 8,232
- 12th pct · 140th of 159 Georgia counties · median 7,095
- 0th pct · 7th of 7 counties in the Augusta-Richmond County metro · median 7,442
| Item | Value | Distance |
|---|---|---|
| Lincoln County, GA | 1,449 jobs · $824/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 206 | $589 | 1.46 | +8.4% |
| Construction | 204 | $1,093 | 2.69 | -13.2% |
| Accommodation and food services | 117 | $316 | 0.90 | +17.0% |
| Agriculture, forestry, fishing | 115 | $1,105 | 10.99 | +8.5% |
| Manufacturing | 64 | $997 | 0.55 | -1.5% |
| Other services | 61 | $479 | 1.41 | -24.7% |
| Finance and insurance | 47 | $1,191 | 0.80 | -6.0% |
| Administrative and waste services | 41 | $720 | 0.50 | -2.4% |
| Real estate and rental | 38 | $1,055 | 1.71 | +65.2% |
| Professional and technical services | 36 | $902 | 0.36 | +9.1% |
| Wholesale trade | 32 | $1,211 | 0.58 | -11.1% |
| Arts, entertainment and recreation | 18 | $632 | 0.75 | +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 #
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$146.7 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,721, highly concentrated. $87.2 m federal obligations in FY2026 (direct payments $69.4 m, grants $17.8 m), $60,167 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers State Bank | $101.2 m · 69.0% share · 1 office | |
| F&M Bank | $45.5 m · 31.0% share · 1 office | |
| Lincoln, GA | $87.2 m FY2026 · $60,167/job | |
| MULTIPLE RECIPIENTS | $67.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers State Bank | $101,180,000 | 69.0% | 1 |
| F&M Bank | $45,493,000 | 31.0% | 1 |
Deposit concentration is 5,721 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 69.0² + 31.0² = 5,721
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 | $57,758,527 |
| Department of Transportation | $17,373,508 |
| Department of Veterans Affairs | $9,443,958 |
| Department of Agriculture | $1,407,337 |
| Railroad Retirement Board | $741,826 |
| Department of Housing and Urban Development | $329,564 |
| Department of Education | $278,558 |
| Federal Communications Commission | $47,717 |
| Department of Health and Human Services | -$199,507 |
That is $60,167 per covered job, against 1,449 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $87.2 m / 1,449 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $60,167
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +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 #
Lincoln County, GA: 8 findings, 8 noted
noteLincoln County, GA's average weekly wage was 2.1% 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
- +2.1 % = 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
noteLincoln County, GA's covered employment was 1.4% 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
- +1.4 % = 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
noteLincoln County, GA's average weekly wage of $824 ranks 7th of 7 counties in the Augusta-Richmond County metro, against a median of $1,053.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 7 counties in the Augusta-Richmond County metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteLincoln County, GA's covered employment of 1,449 ranks 7th of 7 counties in the Augusta-Richmond County metro, against a median of 7,442.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 7 counties in the Augusta-Richmond County metro that published jobs.emp
position among the entities that published this metric this period; not an official level
noteLincoln County, GA's average weekly wage of $824 ranks 151st of 159 Georgia counties, against a median of $964.
Period 2026 Q1.Show the arithmetic
- 5 on the 0-to-100 scale across 159 Georgia counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
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.