Geneva County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.09, -85.82.
Assembled 2026-10-06. Read the brief.
- 22nd pct · 2,372nd of 3,063 US counties · median $234,566
- 39th pct · 41st of 67 Alabama counties · median $183,308
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
- 46th pct · 1,653rd of 3,063 US counties · median +2.9%
- 56th pct · 30th of 67 Alabama counties · median +2.2%
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Alabama counties: not published this period
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
- 40th pct · 1,924th of 3,221 US counties · median 8,232
- 33rd pct · 45th of 67 Alabama counties · median 10,118
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
- 8th pct · 2,937th of 3,221 US counties · median $1,039
- 0th pct · 67th of 67 Alabama counties · median $1,024
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
- 41st pct · 1,783rd of 3,063 US counties · median 4.3
- 68th pct · 22nd of 67 Alabama counties · median 3.3
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan 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 $167,449 (Aug 2026), +2.6% over one year, +8.4% over five
- 22nd pct · 2,372nd of 3,063 US counties · median $234,566
- 39th pct · 41st of 67 Alabama counties · median $183,308
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Geneva County, AL | $167,449 · +2.6% 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 #
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
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
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 $917 a month on $167,449 at 7.28%, against an average weekly wage worth $3,584 a month: 25.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $167,449 × 80% = $133,959, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $917/mo principal and interest
- wage share = payment / (avg weekly wage $827 × 52 / 12 = $3,584) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $167,449 / ($827 × 52) = 3.9
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 #
5,595 jobs at 639 employers (2026 Q1); +1.8% jobs and +0.1% average weekly wage over the year
- 40th pct · 1,924th of 3,221 US counties · median 8,232
- 33rd pct · 45th of 67 Alabama counties · median 10,118
- counties in the Dothan metro: Rank context is unavailable: the manifest lists 3 counties in the Dothan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Geneva County, AL | 5,595 jobs · $827/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 958 | $886 | 2.13 | +18.4% |
| Retail trade | 852 | $582 | 1.56 | -3.3% |
| Wholesale trade | 286 | $1,385 | 1.33 | -11.2% |
| Construction | 240 | $912 | 0.82 | -4.8% |
| Administrative and waste services | 212 | $573 | 0.67 | -4.1% |
| Finance and insurance | 207 | $1,151 | 0.91 | +3.0% |
| Other services | 97 | $615 | 0.58 | +0.0% |
| Real estate and rental | 31 | $732 | 0.36 | -16.2% |
| Unclassified | 15 | $638 | 1.26 | +0.0% |
| Information | 10 | $2,104 | 0.10 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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 #
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) | 70 km |
| WALTER F. GEORGE RESERVOIR NEAR FORT GAINES, GA | 189.1 ft (USGS, no capacity on file) | 93 km |
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.3 ft (USGS, no capacity on file) | 101 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 #
25 gauges · 0 flooding · 4 with quality panels averaging 88 % · 5 stale
Sites found: 25, 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 |
|---|---|---|
| CHOCTAWHATCHEE RIVER NEAR GENEVA, ALABAMA | stage 5.04 ft | 6 km |
| CHOCTAWHATCHEE RIVER NEAR BELLWOOD AL | flow 2,890 ft³/s | 8 km |
| CHOCTAWHATCHEE RIVER NR PITTMAN, FLA. | flow 1,630 ft³/s · quality 50 % (1) | 16 km |
| PEA RIVER NEAR SAMSON AL | flow 2,020 ft³/s | 27 km |
| WRIGHTS CREEK AT SH 177-A NR BONIFAY,FL | flow 88.8 ft³/s · STALE | 27 km |
| CHOCTAWHATCHEE RIVER NEAR NEWTON, AL. | flow 1,680 ft³/s | 34 km |
| CHOCTAWHATCHEE RIVER AT CARYVILLE, FLA. | flow 1,070 ft³/s | 35 km |
| CANEY CREEK TRIB. NO.2 NR CANEY CREEK TOWER | flow 0.00 ft³/s · STALE | 42 km |
| PEA RIVER AT ELBA, AL. | stage 4.13 ft | 42 km |
| HOLMES CREEK AT VERNON, FLA. | flow 363.0 ft³/s | 53 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 #
29 wells in 2 named aquifers: Floridan aquifer system, Surficial aquifer system
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 |
|---|---|---|
| USGS-305202085452901 | depth -9.70 ft · 1972-05-05 | 26 km |
| USGS-305828085350901 | depth 13.2 ft · 1968-07-01 | 26 km |
| USGS-305014085483701 | depth -4.30 ft · 1973-05-03 | 28 km |
| USGS-305119085561901 | depth 206.8 ft · 1973-05-09 | 29 km |
| USGS-305353085273101 | depth 72.5 ft · 1973-05-03 | 41 km |
| USGS-305043086083301 | depth 94.6 ft · 1970-09-22 | 41 km |
| USGS-305359086122601 | depth 68.3 ft · 1970-09-22 | 43 km |
| USGS-311319086153601 | depth 13.9 ft · 2026-10-05 | 44 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 #
low (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.13 / 0.55
Banks & federal dollars #
$525.8 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 2,135, highly concentrated. $211.3 m federal obligations in FY2026 (direct payments $206.6 m, grants $4.6 m), $37,762 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of Hartford | $137.4 m · 26.1% share · 2 offices | |
| BankPlus | $115.6 m · 22.0% share · 1 office | |
| Friend Bank | $111.7 m · 21.3% share · 3 offices | |
| Geneva, AL | $211.3 m FY2026 · $37,762/job | |
| MULTIPLE RECIPIENTS | $198.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of Hartford | $137,424,000 | 26.1% | 2 |
| BankPlus | $115,645,000 | 22.0% | 1 |
| Friend Bank | $111,726,000 | 21.3% | 3 |
| The Samson Banking Company, Inc. | $106,278,000 | 20.2% | 2 |
| 22nd State Banking Company | $54,686,000 | 10.4% | 1 |
Deposit concentration is 2,135 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 26.1² + 22.0² + 21.3² + … (2 more) = 2,135
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 | $153,186,815 |
| Department of Veterans Affairs | $44,479,971 |
| Department of Agriculture | $8,134,053 |
| Department of Transportation | $3,777,947 |
| Federal Communications Commission | $711,651 |
| Railroad Retirement Board | $519,498 |
| Department of Housing and Urban Development | $284,439 |
| Department of Health and Human Services | $187,569 |
| Department of Homeland Security | -$1,227 |
That is $37,762 per covered job, against 5,595 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $211.3 m / 5,595 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,762
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 #
Geneva County, AL: 5 findings, 5 noted
noteGeneva County, AL's covered employment was 1.8% 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
- +1.8 % = 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
noteGeneva County, AL's average weekly wage was 0.1% 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
- +0.1 % = 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
noteGeneva County, AL's average weekly wage of $827 ranks 67th of 67 Alabama counties, against a median of $1,024.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 67 Alabama counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteGeneva County, AL's average weekly wage of $827 ranks 2,937th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 9 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Geneva 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.