Cleburne County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.67, -85.52.
Assembled 2026-10-06. Read the brief.
- 51st pct · 1,474th of 3,063 US counties · median $234,566
- 81st pct · 13th of 67 Alabama counties · median $183,308
- 84th pct · 461st of 3,063 US counties · median +2.9%
- 98th pct · 2nd of 67 Alabama counties · median +2.2%
- US counties: not published this period
- Alabama counties: not published this period
- 23rd pct · 2,473rd of 3,221 US counties · median 8,232
- 10th pct · 60th of 67 Alabama counties · median 10,118
- 57th pct · 1,366th of 3,221 US counties · median $1,039
- 66th pct · 23rd of 67 Alabama counties · median $1,024
- 50th pct · 1,529th of 3,063 US counties · median 4.3
- 75th pct · 17th of 67 Alabama counties · median 3.3
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 $240,004 (Aug 2026), +6.8% over one year, +24.5% over five
- 51st pct · 1,474th of 3,063 US counties · median $234,566
- 81st pct · 13th of 67 Alabama counties · median $183,308
| Item | Value | Distance |
|---|---|---|
| Cleburne County, AL | $240,004 · +6.8% 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
- Alabama counties: 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 $1,314 a month on $240,004 at 7.28%, against an average weekly wage worth $4,658 a month: 28.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $240,004 × 80% = $192,003, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,314/mo principal and interest
- wage share = payment / (avg weekly wage $1,075 × 52 / 12 = $4,658) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $240,004 / ($1,075 × 52) = 4.3
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 #
2,859 jobs at 308 employers (2026 Q1); +1.2% jobs and +4.6% average weekly wage over the year
- 23rd pct · 2,473rd of 3,221 US counties · median 8,232
- 10th pct · 60th of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Cleburne County, AL | 2,859 jobs · $1,075/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 534 | $1,641 | 2.32 | +0.9% |
| Retail trade | 488 | $799 | 1.75 | +2.7% |
| Construction | 408 | $1,192 | 2.72 | -7.7% |
| Accommodation and food services | 156 | $366 | 0.61 | +11.4% |
| Health care and social assistance | 146 | $685 | 0.34 | +0.0% |
| Finance and insurance | 74 | $1,434 | 0.64 | +15.6% |
| Professional and technical services | 43 | $1,201 | 0.22 | +7.5% |
| Wholesale trade | 24 | $1,483 | 0.22 | +0.0% |
| Real estate and rental | 17 | $670 | 0.39 | +21.4% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld |
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 #
11 USGS reservoir gauges, no capacity figures to weight
Sites found: 11, 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 |
|---|---|---|
| WEST POINT LAKE NEAR WEST POINT, GA | 624.5 ft (USGS, no capacity on file) | 89 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 835.9 ft (USGS, no capacity on file) | 91 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 833.6 ft (USGS, no capacity on file) | 91 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.5 ft (USGS, no capacity on file) | 93 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 778.1 ft (USGS, no capacity on file) | 93 km |
| LAKE HORTON HEADWATER NEAR FAYETTEVILLE, GA | 775.0 ft (USGS, no capacity on file) | 109 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.9 ft (USGS, no capacity on file) | 110 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 36.4 ft (USGS, no capacity on file) | 128 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 #
47 gauges · 0 flooding · 13 with quality panels averaging 100 % · 5 stale
Sites found: 47, 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 |
|---|---|---|
| TALLAPOOSA RIVER NEAR HEFLIN, AL | flow 44.0 ft³/s · quality 100 % (1) · no flooding | 5 km |
| TALLAPOOSA RIVER AT US 78, NEAR TALLAPOOSA, GA | flow 79.4 ft³/s · no flooding | 18 km |
| INDIAN CREEK UPSTREAM OF TEAGUE RD, NR BOWDON, GA | flow 0.71 ft³/s · quality 100 % (4) | 22 km |
| CHOCCOLOCCO CREEK NEAR BOILING SPRING, ALABAMA | flow 35.7 ft³/s | 26 km |
| Little Tallapoosa River near Newell | no readings | 27 km |
| LITTLE TALLAPOOSA RIVER NEAR NEWELL AL | flow 39.8 ft³/s · quality 100 % (1) | 28 km |
| LITTLE TALLAPOOSA R AT GA 100, NEAR BOWDON, GA | flow 27.1 ft³/s · quality 100 % (4) · no flooding | 30 km |
| LITTLE TALLAPOOSA R AT REAVESVILLE RD NR BOWDON,GA | flow 27.8 ft³/s · quality 100 % (4) | 31 km |
| LITTLE TALLAPOOSA RIVER AT US 27, AT CARROLLTON,GA | flow 21.9 ft³/s · no flooding | 41 km |
| CEDAR CREEK AT GA AVE, AT CEDARTOWN, GA | flow 17.1 ft³/s · no flooding | 43 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 #
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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$250.8 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,024, highly concentrated. $97.6 m federal obligations in FY2026 (direct payments $92.9 m, grants $4.7 m), $34,149 per covered job
| Item | Value | Distance |
|---|---|---|
| Metro Bank | $128.9 m · 51.4% share · 1 office | |
| First Bank of Alabama | $86.2 m · 34.4% share · 2 offices | |
| NobleBank & Trust | $35.8 m · 14.3% share · 1 office | |
| Cleburne, AL | $97.6 m FY2026 · $34,149/job | |
| MULTIPLE RECIPIENTS | $91.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Metro Bank | $128,892,000 | 51.4% | 1 |
| First Bank of Alabama | $86,201,000 | 34.4% | 2 |
| NobleBank & Trust | $35,756,000 | 14.3% | 1 |
Deposit concentration is 4,024 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 51.4² + 34.4² + 14.3² = 4,024
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 | $82,602,035 |
| Department of Veterans Affairs | $8,809,289 |
| Department of Transportation | $3,602,160 |
| Department of Agriculture | $1,617,585 |
| Department of Housing and Urban Development | $550,174 |
| Railroad Retirement Board | $228,626 |
| Federal Communications Commission | $214,267 |
| Department of Defense | $8,053 |
That is $34,149 per covered job, against 2,859 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $97.6 m / 2,859 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,149
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Cleburne County, AL: 5 findings, 5 noted
noteCleburne County, AL's average weekly wage was 4.6% 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
- +4.6 % = 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
noteCleburne County, AL'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
noteCleburne County, AL's typical home value of +6.8% ranks 2nd of 67 Alabama counties, against a median of +2.2%.
Period 2026-08.Show the arithmetic
- 98 on the 0-to-100 scale across 67 Alabama counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteCleburne County, AL's momentum index of 0.61 ranks 6th of 67 Alabama counties, against a median of 0.26.
Period 2026-08.Show the arithmetic
- 92 on the 0-to-100 scale across 67 Alabama counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Cleburne County, AL is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, 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.