Lowndes County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.83, -83.27.
Assembled 2026-10-19. Read the brief.
- 49th pct · 1,548th of 3,063 US counties · median $230,451
- 53rd pct · 74th of 159 Georgia counties · median $215,610
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
- 59th pct · 1,228th of 3,062 US counties · median +2.9%
- 60th pct · 64th of 159 Georgia counties · median +2.5%
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
- 31st pct · 929th of 1,358 US counties · median $1,506
- 13th pct · 60th of 69 Georgia counties · median $1,701
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
- 84th pct · 506th of 3,221 US counties · median 8,232
- 89th pct · 17th of 159 Georgia counties · median 7,095
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
- 41st pct · 1,892nd of 3,221 US counties · median $1,039
- 57th pct · 68th of 159 Georgia counties · median $964
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
- 53rd pct · 1,411th of 3,063 US counties · median 4.2
- 56th pct · 70th of 159 Georgia counties · median 4.2
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
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 $229,148 (Sep 2026), +3.6% over one year, +33.2% over five
- 49th pct · 1,548th of 3,063 US counties · median $230,451
- 53rd pct · 74th of 159 Georgia counties · median $215,610
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lowndes County, GA | $229,148 · +3.6% 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 $1,309/mo (Sep 2026), +3.4% over one year; price-to-rent 14.6
- 31st pct · 929th of 1,358 US counties · median $1,506
- 13th pct · 60th of 69 Georgia counties · median $1,701
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lowndes County, GA | $1,309/mo · +3.4% 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 $1,269 a month on $229,148 at 7.40%, against an average weekly wage worth $4,333 a month: 29.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $229,148 × 80% = $183,318, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,269/mo principal and interest
- wage share = payment / (avg weekly wage $1,000 × 52 / 12 = $4,333) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $229,148 / ($1,000 × 52) = 4.4
- price-to-rent = $229,148 / ($1,309 × 12) = 14.6
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 #
50,064 jobs at 3,334 employers (2026 Q1); +1.2% jobs and +7.3% average weekly wage over the year
- 84th pct · 506th of 3,221 US counties · median 8,232
- 89th pct · 17th of 159 Georgia counties · median 7,095
- counties in the Valdosta metro: Rank context is unavailable: the manifest lists 4 counties in the Valdosta metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lowndes County, GA | 50,064 jobs · $1,000/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 6,665 | $386 | 1.48 | -2.1% |
| Retail trade | 6,486 | $712 | 1.33 | -0.5% |
| Health care and social assistance | 5,173 | $966 | 0.69 | +0.5% |
| Manufacturing | 5,156 | $1,371 | 1.28 | +5.9% |
| Transportation and warehousing | 3,205 | $985 | 1.52 | +8.6% |
| Administrative and waste services | 1,999 | $697 | 0.70 | -12.4% |
| Real estate and rental | 1,337 | $1,020 | 1.74 | +19.6% |
| Professional and technical services | 1,238 | $1,442 | 0.36 | -3.7% |
| Wholesale trade | 1,170 | $1,496 | 0.61 | -0.5% |
| Other services | 1,118 | $827 | 0.75 | +3.0% |
| Arts, entertainment and recreation | 1,000 | $365 | 1.21 | +15.2% |
| Finance and insurance | 973 | $1,650 | 0.48 | +0.5% |
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 #
$3.3 bn in deposits at 31 offices of 14 banks (SOD June 2026); HHI 969, unconcentrated. $859.9 m federal obligations in FY2026 (direct payments $722.7 m, contracts $117.5 m), $17,176 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $562.7 m · 16.9% share · 3 offices | |
| Guardian Bank | $420.5 m · 12.6% share · 3 offices | |
| Ameris Bank | $351.5 m · 10.5% share · 1 office | |
| Lowndes, GA | $859.9 m FY2026 · $17,176/job | |
| MULTIPLE RECIPIENTS | $661.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $562,665,000 | 16.9% | 3 |
| Guardian Bank | $420,484,000 | 12.6% | 3 |
| Ameris Bank | $351,481,000 | 10.5% | 1 |
| Bank of America, National Association | $329,808,000 | 9.9% | 2 |
| Renasant Bank | $269,986,000 | 8.1% | 2 |
| Commercial Banking Company | $249,140,000 | 7.5% | 3 |
| Bank OZK | $239,606,000 | 7.2% | 4 |
| Farmers and Merchants Bank | $229,910,000 | 6.9% | 2 |
| First Federal Savings and Loan Association of Valdosta | $208,536,000 | 6.2% | 4 |
| Citizens Community Bank | $188,319,000 | 5.6% | 3 |
Deposit concentration is 969 across 14 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 16.9² + 12.6² + 10.5² + … (11 more) = 969
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 | $480,122,870 |
| Department of Veterans Affairs | $175,879,971 |
| Department of Defense | $110,376,571 |
| Department of Education | $44,224,851 |
| Department of Agriculture | $17,476,429 |
| Department of Health and Human Services | $12,687,819 |
| Department of Housing and Urban Development | $8,795,650 |
| Railroad Retirement Board | $5,796,940 |
| Department of Transportation | $2,903,387 |
| Federal Communications Commission | $2,304,567 |
| General Services Administration | $112,761 |
| Department of Justice | $14,430 |
That is $17,176 per covered job, against 50,064 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $859.9 m / 50,064 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,176
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 #
Lowndes County, GA: 5 findings, 5 noted
noteLowndes County, GA's average weekly wage was 7.3% 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
- +7.3 % = 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
noteLowndes County, GA's covered employment was 1.2% 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
- +1.2 % = 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 Lowndes 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 Lowndes 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
noteThe next Zillow ZORI typical rent (monthly) covering Lowndes 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.