Muscogee County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.51, -84.87.
Assembled 2026-10-19. Read the brief.
- 33rd pct · 2,038th of 3,063 US counties · median $230,451
- 42nd pct · 92nd of 159 Georgia counties · median $215,610
- 66th pct · 3rd of 7 counties in the Columbus metro · median $183,035
- 54th pct · 1,401st of 3,062 US counties · median +2.9%
- 57th pct · 68th of 159 Georgia counties · median +2.5%
- 33rd pct · 5th of 7 counties in the Columbus metro · median +4.5%
- 34th pct · 889th of 1,358 US counties · median $1,506
- 17th pct · 57th of 69 Georgia counties · median $1,701
- counties in the Columbus metro: only 3 of counties in the Columbus metro published this metric; fewer than 5 is too few to rank
- 89th pct · 340th of 3,221 US counties · median 8,232
- 94th pct · 10th of 159 Georgia counties · median 7,095
- 100th pct · 1st of 7 counties in the Columbus metro · median 2,245
- 79th pct · 656th of 3,221 US counties · median $1,039
- 88th pct · 19th of 159 Georgia counties · median $964
- 100th pct · 1st of 7 counties in the Columbus metro · median $1,002
- 19th pct · 2,456th of 3,063 US counties · median 4.2
- 18th pct · 129th of 159 Georgia counties · median 4.2
- 33rd pct · 5th of 7 counties in the Columbus metro · median 3.6
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 $188,877 (Sep 2026), +3.2% over one year, +30.4% over five
- 33rd pct · 2,038th of 3,063 US counties · median $230,451
- 42nd pct · 92nd of 159 Georgia counties · median $215,610
- 66th pct · 3rd of 7 counties in the Columbus metro · median $183,035
| Item | Value | Distance |
|---|---|---|
| Muscogee County, GA | $188,877 · +3.2% 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 $1,341/mo (Sep 2026), +4.9% over one year; price-to-rent 11.7
- 34th pct · 889th of 1,358 US counties · median $1,506
- 17th pct · 57th of 69 Georgia counties · median $1,701
- counties in the Columbus metro: only 3 of counties in the Columbus metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Muscogee County, GA | $1,341/mo · +4.9% 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 $1,046 a month on $188,877 at 7.40%, against an average weekly wage worth $5,352 a month: 19.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $188,877 × 80% = $151,102, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,046/mo principal and interest
- wage share = payment / (avg weekly wage $1,235 × 52 / 12 = $5,352) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $188,877 / ($1,235 × 52) = 2.9
- price-to-rent = $188,877 / ($1,341 × 12) = 11.7
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 #
87,681 jobs at 5,319 employers (2026 Q1); -1.4% jobs and +6.7% average weekly wage over the year
- 89th pct · 340th of 3,221 US counties · median 8,232
- 94th pct · 10th of 159 Georgia counties · median 7,095
- 100th pct · 1st of 7 counties in the Columbus metro · median 2,245
| Item | Value | Distance |
|---|---|---|
| Muscogee County, GA | 87,681 jobs · $1,235/wk · -1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 13,588 | $1,226 | 1.03 | -0.2% |
| Accommodation and food services | 10,526 | $451 | 1.34 | -3.2% |
| Retail trade | 10,092 | $645 | 1.18 | -3.1% |
| Manufacturing | 5,939 | $1,838 | 0.84 | +3.0% |
| Administrative and waste services | 4,722 | $727 | 0.95 | +5.6% |
| Finance and insurance | 4,583 | $2,506 | 1.28 | -29.8% |
| Professional and technical services | 4,226 | $1,494 | 0.70 | -5.4% |
| Other services | 2,357 | $767 | 0.90 | +1.5% |
| Transportation and warehousing | 2,089 | $851 | 0.57 | +19.7% |
| Wholesale trade | 1,999 | $1,513 | 0.60 | +0.4% |
| Management of companies | 1,645 | $5,171 | 1.12 | +2.9% |
| Real estate and rental | 1,283 | $1,082 | 0.95 | -0.2% |
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 #
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 #
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 #
$8.0 bn in deposits at 30 offices of 11 banks (SOD June 2026); HHI 4,283, highly concentrated. $1.6 bn federal obligations in FY2026 (direct payments $1.5 bn, grants $53.4 m), $17,784 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $5.0 bn · 62.7% share · 10 offices | |
| Truist Bank | $1.1 bn · 14.1% share · 4 offices | |
| Wells Fargo Bank, National Association | $895.9 m · 11.2% share · 6 offices | |
| Muscogee, GA | $1.6 bn FY2026 · $17,784/job | |
| MULTIPLE RECIPIENTS | $1.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $5,020,558,000 | 62.7% | 10 |
| Truist Bank | $1,126,977,000 | 14.1% | 4 |
| Wells Fargo Bank, National Association | $895,850,000 | 11.2% | 6 |
| FirstBank | $338,679,000 | 4.2% | 2 |
| Bank of America, National Association | $205,062,000 | 2.6% | 2 |
| Regions Bank | $115,533,000 | 1.4% | 1 |
| Bank OZK | $112,826,000 | 1.4% | 1 |
| Colony Bank | $105,406,000 | 1.3% | 1 |
| Renasant Bank | $40,644,000 | 0.5% | 1 |
| ServisFirst Bank | $30,962,000 | 0.4% | 1 |
Deposit concentration is 4,283 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 62.7² + 14.1² + 11.2² + … (8 more) = 4,283
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 | $861,764,805 |
| Department of Veterans Affairs | $539,088,210 |
| Department of Housing and Urban Development | $48,679,941 |
| Department of Education | $39,810,579 |
| Department of Defense | $28,090,837 |
| Department of Health and Human Services | $23,167,673 |
| Department of Transportation | $12,921,161 |
| Railroad Retirement Board | $3,616,059 |
| Department of Homeland Security | $981,937 |
| Department of Agriculture | $560,214 |
| General Services Administration | $394,242 |
| National Aeronautics and Space Administration | $300,000 |
That is $17,784 per covered job, against 87,681 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.6 bn / 87,681 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,784
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 #
Muscogee County, GA: 13 findings, 1 at a watch level and 12 noted
watchMuscogee County, GA's covered employment is -1.4% 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 = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMuscogee County, GA's average weekly wage was 6.7% 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
- +6.7 % = 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
noteMuscogee County, GA's covered employment was 1.4% 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
- -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
noteMuscogee County, GA's typical asking rent rose 1.0% from $1,328 in August 2026 to $1,341 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.0% = (1340.7989819192967 - 1327.75605230933) / 1327.75605230933 × 100
- 1340.7989819192967 = Zillow ZORI, 2026-09
- 1327.75605230933 = Zillow ZORI, 2026-08
noteMuscogee County, GA's typical home value rose 0.4% from $188,134 in August 2026 to $188,877 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (188877.47071116895 - 188133.53670554215) / 188133.53670554215 × 100
- 188877.47071116895 = Zillow ZHVI, 2026-09
- 188133.53670554215 = Zillow ZHVI, 2026-08
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.