Troup County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.03, -85.03.
Assembled 2026-10-19. Read the brief.
- 51st pct · 1,492nd of 3,063 US counties · median $230,451
- 56th pct · 69th of 159 Georgia counties · median $215,610
- 40th pct · 1,823rd of 3,062 US counties · median +2.9%
- 43rd pct · 91st of 159 Georgia counties · median +2.5%
- 36th pct · 860th of 1,358 US counties · median $1,506
- 22nd pct · 54th of 69 Georgia counties · median $1,701
- 82nd pct · 578th of 3,221 US counties · median 8,232
- 83rd pct · 27th of 159 Georgia counties · median 7,095
- 74th pct · 833rd of 3,221 US counties · median $1,039
- 84th pct · 25th of 159 Georgia counties · median $964
- 41st pct · 1,790th of 3,063 US counties · median 4.2
- 39th pct · 97th 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 $234,932 (Sep 2026), +2.1% over one year, +39.7% over five
- 51st pct · 1,492nd of 3,063 US counties · median $230,451
- 56th pct · 69th of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Troup County, GA | $234,932 · +2.1% 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 $1,359/mo (Sep 2026), +10.3% over one year; price-to-rent 14.4
- 36th pct · 860th of 1,358 US counties · median $1,506
- 22nd pct · 54th of 69 Georgia counties · median $1,701
| Item | Value | Distance |
|---|---|---|
| Troup County, GA | $1,359/mo · +10.3% 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 $1,301 a month on $234,932 at 7.40%, against an average weekly wage worth $5,118 a month: 25.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $234,932 × 80% = $187,946, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,301/mo principal and interest
- wage share = payment / (avg weekly wage $1,181 × 52 / 12 = $5,118) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $234,932 / ($1,181 × 52) = 3.8
- price-to-rent = $234,932 / ($1,359 × 12) = 14.4
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 #
42,605 jobs at 1,851 employers (2026 Q1); -0.6% jobs and +7.5% average weekly wage over the year
- 82nd pct · 578th of 3,221 US counties · median 8,232
- 83rd pct · 27th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Troup County, GA | 42,605 jobs · $1,181/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 12,819 | $1,543 | 3.74 | -1.7% |
| Administrative and waste services | 5,173 | $797 | 2.14 | -4.8% |
| Accommodation and food services | 3,863 | $451 | 1.01 | -1.2% |
| Health care and social assistance | 3,771 | $1,256 | 0.59 | -3.9% |
| Retail trade | 3,516 | $765 | 0.85 | -1.0% |
| Transportation and warehousing | 3,388 | $1,277 | 1.89 | +8.4% |
| Construction | 1,558 | $1,346 | 0.70 | +9.0% |
| Finance and insurance | 967 | $2,331 | 0.56 | -3.6% |
| Educational services | 749 | $656 | 0.82 | -0.1% |
| Professional and technical services | 635 | $1,413 | 0.22 | +11.4% |
| Other services | 399 | $839 | 0.31 | -9.5% |
| Real estate and rental | 260 | $1,165 | 0.40 | +10.2% |
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 #
D2 severe 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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$1.6 bn in deposits at 17 offices of 11 banks (SOD June 2026); HHI 1,570, moderately concentrated. $444.4 m federal obligations in FY2026 (direct payments $408.6 m, grants $24.3 m), $10,430 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $449.1 m · 28.4% share · 2 offices | |
| SouthState Bank, National Association | $294.7 m · 18.7% share · 3 offices | |
| Anchor Bank | $174.9 m · 11.1% share · 3 offices | |
| Troup, GA | $444.4 m FY2026 · $10,430/job | |
| MULTIPLE RECIPIENTS | $397.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $449,050,000 | 28.4% | 2 |
| SouthState Bank, National Association | $294,657,000 | 18.7% | 3 |
| Anchor Bank | $174,920,000 | 11.1% | 3 |
| Bank of America, National Association | $139,006,000 | 8.8% | 1 |
| PNC Bank, National Association | $126,118,000 | 8.0% | 2 |
| Truist Bank | $125,785,000 | 8.0% | 1 |
| Colony Bank | $109,907,000 | 7.0% | 1 |
| Capital City Bank | $83,248,000 | 5.3% | 1 |
| Metro City Bank | $33,298,000 | 2.1% | 1 |
| Renasant Bank | $28,072,000 | 1.8% | 1 |
Deposit concentration is 1,570 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 28.4² + 18.7² + 11.1² + … (8 more) = 1,570
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 | $337,092,674 |
| Department of Veterans Affairs | $58,203,202 |
| Department of Transportation | $20,030,242 |
| Department of Defense | $11,310,656 |
| Department of Education | $7,237,502 |
| Department of Housing and Urban Development | $5,621,415 |
| Railroad Retirement Board | $1,865,071 |
| Federal Communications Commission | $1,691,919 |
| Department of Health and Human Services | $1,198,682 |
| Department of Agriculture | $113,088 |
| Department of State | $1,403 |
| Department of Justice | $622 |
That is $10,430 per covered job, against 42,605 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $444.4 m / 42,605 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,430
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 #
Troup County, GA: 8 findings, 2 at a watch level and 6 noted
watchTroup County, GA's typical asking rent is +10.3% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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 2026-09.Show the arithmetic
- test: rent.yoyPct = 10.304616323670276 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchTroup County, GA's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTroup County, GA's average weekly wage was 7.5% 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
- +7.5 % = 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
noteTroup County, GA's typical asking rent rose 1.0% from $1,345 in August 2026 to $1,359 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.0% = (1359.2677609996745 - 1345.2383563935114) / 1345.2383563935114 × 100
- 1359.2677609996745 = Zillow ZORI, 2026-09
- 1345.2383563935114 = Zillow ZORI, 2026-08
noteTroup County, GA's covered employment was 0.6% 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
- -0.6 % = 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 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.