Coffee County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.40, -85.99.
Assembled 2026-10-06. Read the brief.
- 29th pct · 2,160th of 3,063 US counties · median $234,566
- 48th pct · 35th of 67 Alabama counties · median $183,308
- 11th pct · 2,698th of 3,063 US counties · median +2.9%
- 10th pct · 60th of 67 Alabama counties · median +2.2%
- 42nd pct · 801st of 1,399 US counties · median $1,496
- 67th pct · 10th of 29 Alabama counties · median $1,362
- 68th pct · 1,012th of 3,221 US counties · median 8,232
- 66th pct · 23rd of 67 Alabama counties · median 10,118
- 26th pct · 2,378th of 3,221 US counties · median $1,039
- 15th pct · 57th of 67 Alabama counties · median $1,024
- 38th pct · 1,896th of 3,063 US counties · median 4.3
- 60th pct · 27th 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 $182,490 (Aug 2026), -1.6% over one year, +17.8% over five
- 29th pct · 2,160th of 3,063 US counties · median $234,566
- 48th pct · 35th of 67 Alabama counties · median $183,308
| Item | Value | Distance |
|---|---|---|
| Coffee County, AL | $182,490 · -1.6% 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 $1,413/mo (Aug 2026), +3.9% over one year; price-to-rent 10.8
- 42nd pct · 801st of 1,399 US counties · median $1,496
- 67th pct · 10th of 29 Alabama counties · median $1,362
| Item | Value | Distance |
|---|---|---|
| Coffee County, AL | $1,413/mo · +3.9% 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 $999 a month on $182,490 at 7.28%, against an average weekly wage worth $4,052 a month: 24.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $182,490 × 80% = $145,992, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $999/mo principal and interest
- wage share = payment / (avg weekly wage $935 × 52 / 12 = $4,052) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $182,490 / ($935 × 52) = 3.8
- price-to-rent = $182,490 / ($1,413 × 12) = 10.8
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 #
17,739 jobs at 1,485 employers (2026 Q1); +1.5% jobs and +3.1% average weekly wage over the year
- 68th pct · 1,012th of 3,221 US counties · median 8,232
- 66th pct · 23rd of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Coffee County, AL | 17,739 jobs · $935/wk · +1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,709 | $1,013 | 2.60 | -5.3% |
| Health care and social assistance | 2,602 | $966 | 0.97 | +0.0% |
| Retail trade | 2,514 | $699 | 1.45 | +0.5% |
| Accommodation and food services | 1,741 | $414 | 1.09 | +2.0% |
| Professional and technical services | 680 | $1,282 | 0.56 | +0.9% |
| Wholesale trade | 506 | $1,555 | 0.74 | +4.3% |
| Construction | 437 | $1,069 | 0.47 | +3.8% |
| Transportation and warehousing | 376 | $1,279 | 0.50 | +19.7% |
| Agriculture, forestry, fishing | 359 | $947 | 2.80 | +7.8% |
| Finance and insurance | 333 | $1,612 | 0.46 | +11.0% |
| Real estate and rental | 200 | $778 | 0.74 | -4.3% |
| Arts, entertainment and recreation | 153 | $326 | 0.52 | +2.0% |
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.7 ft (USGS, no capacity on file) | 85 km |
| WALTER F. GEORGE RESERVOIR NEAR FORT GAINES, GA | 189.1 ft (USGS, no capacity on file) | 91 km |
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.3 ft (USGS, no capacity on file) | 132 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 #
29 gauges · 0 flooding · 1 with quality panels averaging 50 % · 2 stale
Sites found: 29, 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 |
|---|---|---|
| PEA RIVER AT ELBA, AL. | stage 4.12 ft · no flooding | 7 km |
| Pea River at Folsom Bridge (SR 167) | observation not current | 11 km |
| Big Creek above Elba at SR-87 | observation not current | 11 km |
| Whitewater Creek at Lowry Mill (CR 215) | observation not current | 15 km |
| Little Double Bridges Creek near Enterprise (CR 606) | out of service | 15 km |
| Claybank Creek near Daleville (SR 84) | observation not current | 26 km |
| PEA RIVER NEAR ARITON AL | flow 1,360 ft³/s · no flooding | 29 km |
| Double Bridges Creek near Sellersville (CR 40) | observation not current | 30 km |
| Little Claybank Creek near Ozark (US 231) | observation not current | 31 km |
| CONECUH RIVER AT BRANTLEY AL | flow 176.0 ft³/s | 31 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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 |
|---|---|---|
| USGS-311319086153601 | depth 13.8 ft · 2026-10-04 | 33 km |
| USGS-305359086122601 | depth 68.3 ft · 1970-09-22 | 60 km |
| USGS-305119085561901 | depth 206.8 ft · 1973-05-09 | 61 km |
| USGS-305828085350901 | depth 13.2 ft · 1968-07-01 | 61 km |
| USGS-305202085452901 | depth -9.70 ft · 1972-05-05 | 63 km |
| USGS-305043086083301 | depth 94.6 ft · 1970-09-22 | 64 km |
| USGS-305014085483701 | depth -4.30 ft · 1973-05-03 | 65 km |
| USGS-304950086232201 | depth 89.9 ft · 1970-10-05 | 74 km |
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 (0.34)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.50 / 0.55
Banks & federal dollars #
$1.1 bn in deposits at 11 offices of 9 banks (SOD June 2026); HHI 1,717, moderately concentrated. $504.5 m federal obligations in FY2026 (direct payments $462.9 m, grants $31.5 m), $28,443 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $309.4 m · 27.9% share · 1 office | |
| River Bank & Trust | $178.6 m · 16.1% share · 1 office | |
| Wells Fargo Bank, National Association | $165.0 m · 14.9% share · 1 office | |
| Coffee, AL | $504.5 m FY2026 · $28,443/job | |
| MULTIPLE RECIPIENTS | $444.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $309,439,000 | 27.9% | 1 |
| River Bank & Trust | $178,612,000 | 16.1% | 1 |
| Wells Fargo Bank, National Association | $165,010,000 | 14.9% | 1 |
| The Citizens Bank | $158,867,000 | 14.3% | 1 |
| Troy Bank & Trust Company | $135,134,000 | 12.2% | 3 |
| Regions Bank | $102,271,000 | 9.2% | 1 |
| BankPlus | $42,401,000 | 3.8% | 1 |
| The First National Bank of Hartford | $14,899,000 | 1.3% | 1 |
| Woodforest National Bank | $1,601,000 | 0.1% | 1 |
Deposit concentration is 1,717 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 27.9² + 16.1² + 14.9² + … (6 more) = 1,717
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 | $261,734,939 |
| Department of Veterans Affairs | $187,284,634 |
| Department of Transportation | $19,497,352 |
| Department of Agriculture | $12,195,016 |
| Department of Defense | $9,211,907 |
| Department of Education | $7,426,841 |
| Department of Housing and Urban Development | $6,048,646 |
| Railroad Retirement Board | $650,186 |
| Department of State | $277,423 |
| Federal Communications Commission | $116,436 |
| Department of Justice | $99,890 |
| Department of Health and Human Services | $0 |
That is $28,443 per covered job, against 17,739 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $504.5 m / 17,739 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,443
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 2026-10-05 | +0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Coffee County, AL: 8 findings, 1 at a watch level and 7 noted
watchCoffee County, AL's typical home value is -1.6% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.yoyPct = -1.5634162433646543 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteCoffee County, AL's average weekly wage was 3.1% 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
- +3.1 % = 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
noteCoffee County, AL's covered employment was 1.5% 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
- +1.5 % = 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
noteCoffee County, AL's typical home value fell 0.3% from $183,088 in July 2026 to $182,490 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (182490.27855574025 - 183088.06729607692) / 183088.06729607692 × 100
- 182490.27855574025 = Zillow ZHVI, 2026-08
- 183088.06729607692 = Zillow ZHVI, 2026-07
noteCoffee County, AL's typical asking rent rose 0.3% from $1,409 in July 2026 to $1,413 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.3% = (1413.3945976051239 - 1409.4803184151892) / 1409.4803184151892 × 100
- 1413.3945976051239 = Zillow ZORI, 2026-08
- 1409.4803184151892 = Zillow ZORI, 2026-07
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.