Tallapoosa County, AL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.86, -85.80.
Assembled 2026-10-06. Read the brief.
- 61st pct · 1,182nd of 3,063 US counties · median $234,566
- 89th pct · 8th of 67 Alabama counties · median $183,308
- 14th pct · 2,625th of 3,063 US counties · median +2.9%
- 12th pct · 59th of 67 Alabama counties · median +2.2%
- US counties: not published this period
- Alabama counties: not published this period
- 61st pct · 1,255th of 3,221 US counties · median 8,232
- 56th pct · 30th of 67 Alabama counties · median 10,118
- 38th pct · 1,994th of 3,221 US counties · median $1,039
- 36th pct · 43rd of 67 Alabama counties · median $1,024
- 68th pct · 975th of 3,063 US counties · median 4.3
- 95th pct · 4th 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 $268,423 (Aug 2026), -1.1% over one year, +11.4% over five
- 61st pct · 1,182nd of 3,063 US counties · median $234,566
- 89th pct · 8th of 67 Alabama counties · median $183,308
| Item | Value | Distance |
|---|---|---|
| Tallapoosa County, AL | $268,423 · -1.1% 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 #
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 $1,469 a month on $268,423 at 7.28%, against an average weekly wage worth $4,273 a month: 34.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $268,423 × 80% = $214,738, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,469/mo principal and interest
- wage share = payment / (avg weekly wage $986 × 52 / 12 = $4,273) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $268,423 / ($986 × 52) = 5.2
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 #
12,839 jobs at 1,112 employers (2026 Q1); +0.4% jobs and +5.1% average weekly wage over the year
- 61st pct · 1,255th of 3,221 US counties · median 8,232
- 56th pct · 30th of 67 Alabama counties · median 10,118
| Item | Value | Distance |
|---|---|---|
| Tallapoosa County, AL | 12,839 jobs · $986/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,361 | $993 | 1.22 | +0.3% |
| Manufacturing | 2,322 | $1,136 | 2.25 | -0.4% |
| Retail trade | 1,512 | $619 | 1.21 | +0.0% |
| Accommodation and food services | 1,085 | $388 | 0.94 | -5.9% |
| Administrative and waste services | 956 | $847 | 1.31 | +22.4% |
| Professional and technical services | 324 | $1,331 | 0.37 | -5.5% |
| Arts, entertainment and recreation | 315 | $1,741 | 1.49 | +11.7% |
| Other services | 255 | $754 | 0.66 | +1.6% |
| Finance and insurance | 221 | $1,488 | 0.42 | +11.1% |
| Wholesale trade | 158 | $2,851 | 0.32 | +0.0% |
| Management of companies | 141 | $2,316 | 0.66 | -0.7% |
| Real estate and rental | 127 | $1,297 | 0.65 | +12.4% |
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 #
5 USGS reservoir gauges, no capacity figures to weight
Sites found: 5, 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 | 624.4 ft (USGS, no capacity on file) | 57 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 778.1 ft (USGS, no capacity on file) | 126 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.5 ft (USGS, no capacity on file) | 128 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 833.6 ft (USGS, no capacity on file) | 130 km |
| LAKE HORTON HEADWATER NEAR FAYETTEVILLE, GA | 775.1 ft (USGS, no capacity on file) | 138 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 #
32 gauges · 0 flooding · 4 with quality panels averaging 100 % · 3 stale
Sites found: 32, 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 NR NEW SITE, AL.(HORSESHOE BEND) | flow 686.0 ft³/s · quality 100 % (1) · no flooding | 14 km |
| LITTLE SANDY CREEK AT CAMP HILL, AL | stage 9.53 ft · STALE | 17 km |
| Tallapoosa River at Martin Dam | no flooding | 23 km |
| HILLABEE CREEK NEAR HACKNEYVILLE AL | flow 92.9 ft³/s | 24 km |
| SOUGAHATCHEE CREEK AT CO RD 188 NR LOACHAPOKA, AL. | flow 21.2 ft³/s | 33 km |
| Tallapoosa River at Yates Dam | no readings | 33 km |
| TALLAPOOSA RIVER AT WADLEY AL | flow 466.0 ft³/s · quality 100 % (1) · no flooding | 36 km |
| TALLAPOOSA RIVER AT MALONE, ALABAMA | flow 82.4 ft³/s | 43 km |
| UPHAPEE CREEK NEAR TUSKEGEE AL | flow 45.9 ft³/s | 44 km |
| HATCHET CREEK BELOW ROCKFORD AL | flow 86.0 ft³/s | 44 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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-322500085551201 | depth 11.3 ft · 2025-06-11 | 51 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$909.5 m in deposits at 11 offices of 9 banks (SOD June 2026); HHI 2,118, highly concentrated. $355.4 m federal obligations in FY2026 (direct payments $322.6 m, grants $32.7 m), $27,681 per covered job
| Item | Value | Distance |
|---|---|---|
| Valley National Bank | $312.3 m · 34.3% share · 3 offices | |
| River Bank & Trust | $238.1 m · 26.2% share · 1 office | |
| Wells Fargo Bank, National Association | $88.2 m · 9.7% share · 1 office | |
| Tallapoosa, AL | $355.4 m FY2026 · $27,681/job | |
| MULTIPLE RECIPIENTS | $314.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Valley National Bank | $312,298,000 | 34.3% | 3 |
| River Bank & Trust | $238,144,000 | 26.2% | 1 |
| Wells Fargo Bank, National Association | $88,178,000 | 9.7% | 1 |
| PNC Bank, National Association | $64,777,000 | 7.1% | 1 |
| Regions Bank | $54,525,000 | 6.0% | 1 |
| Farmers and Merchants Bank | $51,835,000 | 5.7% | 1 |
| CB&S Bank, Inc. | $36,587,000 | 4.0% | 1 |
| Truist Bank | $34,384,000 | 3.8% | 1 |
| Central State Bank | $28,802,000 | 3.2% | 1 |
Deposit concentration is 2,118 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 34.3² + 26.2² + 9.7² + … (6 more) = 2,118
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 | $274,993,593 |
| Department of Veterans Affairs | $51,135,345 |
| Department of Transportation | $11,643,515 |
| Department of Housing and Urban Development | $6,125,911 |
| Department of Health and Human Services | $5,084,795 |
| Department of Education | $4,836,751 |
| Railroad Retirement Board | $850,787 |
| Department of Agriculture | $723,756 |
| Department of the Interior | $2,216 |
| National Gallery of Art | $0 |
| Small Business Administration | $0 |
That is $27,681 per covered job, against 12,839 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $355.4 m / 12,839 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,681
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 | -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 #
Tallapoosa County, AL: 5 findings, 1 at a watch level and 4 noted
watchTallapoosa County, AL's typical home value is -1.1% 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 = -1.0995162853831864 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteTallapoosa County, AL's average weekly wage was 5.1% 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
- +5.1 % = 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
noteTallapoosa County, AL's covered employment was 0.4% 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
- +0.4 % = 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
noteTallapoosa County, AL's years of wages of 5.2 ranks 4th of 67 Alabama counties, against a median of 3.3.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 67 Alabama counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Tallapoosa 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.