Baker County, GA

Home values #

Typical home $127,288 (Aug 2026), +2.1% over one year, n/a over five

• 8th pct · 2,810th of 3,063 US counties · median $234,566
• 7th pct · 147th of 159 Georgia counties · median $219,820

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
• Georgia 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 $697 a month on $127,288 at 7.28%, against an average weekly wage worth $3,874 a month: 18.0% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $127,288 × 80% = $101,831, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $697/mo principal and interest
• wage share = payment / (avg weekly wage $894 × 52 / 12 = $3,874) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $127,288 / ($894 × 52) = 2.7

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 #

455 jobs at 69 employers (2026 Q1); +4.1% jobs and -1.2% average weekly wage over the year

• 1st pct · 3,162nd of 3,221 US counties · median 8,232
• 2nd pct · 155th of 159 Georgia counties · median 7,095

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.

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 #

34 gauges · 0 flooding · 7 with quality panels averaging 93 % · 3 stale

Sites found: 34, 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 #

119 wells in 0 named aquifers:

Sites found: 119, 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 (0.19)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.07 / 0.55

Banks & federal dollars #

$33.1 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $32.4 m federal obligations in FY2026 (direct payments $32.7 m, loans $150,908), $71,157 per covered job

Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000

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.

That is $71,157 per covered job, against 455 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $32.4 m / 455 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $71,157

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.

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 #

Baker County, GA: 9 findings, 1 at a watch level and 8 noted

1. watchBaker County, GA's average weekly wage is -1.2% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.
   Show the arithmetic

   • test: jobs.yoy.avgWeeklyWage = -1.2 < 0

   BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level

2. noteBaker County, GA's covered employment was 4.1% 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

   • +4.1 % = 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

3. noteBaker County, GA's average weekly wage was 1.2% 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

   • -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

4. noteBaker County, GA's covered employment of 455 ranks 3,162nd of 3,221 US counties, against a median of 8,232.

   Period 2026 Q1.
   Show the arithmetic

   • 2 on the 0-to-100 scale across 3221 US counties that published jobs.emp

   position among the entities that published this metric this period; not an official level

5. noteBaker County, GA's covered employment of 455 ranks 155th of 159 Georgia counties, against a median of 7,095.

   Period 2026 Q1.
   Show the arithmetic

   • 3 on the 0-to-100 scale across 159 Georgia counties that published jobs.emp

   position among the entities that published this metric this period; not an official level

Read all 9 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.