Berrien County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.29, -83.23.
Assembled 2026-10-06. Read the brief.
- 32nd pct · 2,064th of 3,063 US counties · median $234,566
- 41st pct · 94th of 159 Georgia counties · median $219,820
- 45th pct · 1,657th of 3,063 US counties · median +2.9%
- 49th pct · 81st of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 31st pct · 2,218th of 3,221 US counties · median 8,232
- 34th pct · 104th of 159 Georgia counties · median 7,095
- 16th pct · 2,697th of 3,221 US counties · median $1,039
- 21st pct · 125th of 159 Georgia counties · median $964
- 46th pct · 1,625th of 3,063 US counties · median 4.3
- 46th pct · 85th of 159 Georgia counties · median 4.3
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 $189,680 (Aug 2026), +2.6% over one year, +22.0% over five
- 32nd pct · 2,064th of 3,063 US counties · median $234,566
- 41st pct · 94th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Berrien County, GA | $189,680 · +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
- 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 $1,038 a month on $189,680 at 7.28%, against an average weekly wage worth $3,826 a month: 27.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $189,680 × 80% = $151,744, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,038/mo principal and interest
- wage share = payment / (avg weekly wage $883 × 52 / 12 = $3,826) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $189,680 / ($883 × 52) = 4.1
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 #
3,938 jobs at 328 employers (2026 Q1); 0.0% jobs and -22.4% average weekly wage over the year
- 31st pct · 2,218th of 3,221 US counties · median 8,232
- 34th pct · 104th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Berrien County, GA | 3,938 jobs · $883/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,249 | $1,097 | 3.94 | +5.9% |
| Retail trade | 405 | $584 | 1.06 | -5.8% |
| Accommodation and food services | 263 | $352 | 0.74 | -9.6% |
| Construction | 149 | $1,048 | 0.72 | +4.2% |
| Agriculture, forestry, fishing | 100 | $676 | 3.52 | -2.9% |
| Finance and insurance | 85 | $1,600 | 0.53 | -3.4% |
| Administrative and waste services | 85 | $750 | 0.38 | +37.1% |
| Transportation and warehousing | 78 | $1,123 | 0.47 | +0.0% |
| Arts, entertainment and recreation | 25 | $382 | 0.39 | -16.7% |
| Real estate and rental | 13 | $696 | 0.22 | -27.8% |
| Utilities | withheld | |||
| Wholesale trade | 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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, 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 #
13 gauges · 0 flooding · 4 with quality panels averaging 100 % · 2 stale
Sites found: 13, 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 |
|---|---|---|
| ALAPAHA RIVER NEAR ALAPAHA, GA | flow 496.0 ft³/s · no flooding | 11 km |
| LITTLE RIVER NEAR ADEL, GA | flow 1,100 ft³/s · no flooding | 33 km |
| WITHLACOOCHEE R AT SKIPPER BRIDGE RD,NR BEMISS, GA | flow 472.0 ft³/s | 38 km |
| Withlacoochee River above Valdosta (Skipper Bridge Rd) | no flooding | 38 km |
| LITTLE RIVER AT GA 122, NEAR HAHIRA, GA | flow 484.0 ft³/s · no flooding | 39 km |
| LITTLE RIVER AT UPPER TY TY ROAD, NEAR TIFTON, GA | flow 1.07 ft³/s · quality 100 % (1) · out of service · STALE | 40 km |
| ALAPAHA RIVER AT GA 125/32 NEAR IRWINVILLE, GA | flow 283.0 ft³/s · no flooding | 42 km |
| WITHLACOOCHEE RIVER AT US 41 NEAR VALDOSTA, GA | flow 75.2 ft³/s · no flooding | 45 km |
| WITHLACOOCHEE RIVER AT US 84, NEAR QUITMAN, GA | flow 238.0 ft³/s · quality 100 % (5) · no flooding | 59 km |
| OKAPILCO CREEK AT GA 333, NEAR QUITMAN, GA | flow 42.5 ft³/s · quality 100 % (1) · out of service · STALE | 61 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 #
9 wells in 0 named aquifers:
Sites found: 9, 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-310813083260301 | depth 184.5 ft · 2026-10-05 | 26 km |
| USGS-312711083293101 | depth 129.5 ft · 2026-08-09 | 31 km |
| USGS-312711083293102 | depth 38.6 ft · 2009-07-28 | 31 km |
| USGS-312712082593301 | depth 144.4 ft · 2026-10-05 | 31 km |
| USGS-312716083304801 | depth 142.3 ft · 1986-11-19 | 33 km |
| USGS-305241083154401 | depth 128.4 ft · 1983-09-29 | 46 km |
| USGS-305149083172801 | depth 94.8 ft · 1984-09-29 | 48 km |
| USGS-304949083165301 | depth 131.5 ft · 2026-10-05 | 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 #
$336.0 m in deposits at 4 offices of 2 banks (SOD June 2026); HHI 5,025, highly concentrated. $132.0 m federal obligations in FY2026 (direct payments $129.3 m, grants $2.4 m), $33,511 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers and Merchants Bank | $179.9 m · 53.5% share · 1 office | |
| Bank of Alapaha | $156.1 m · 46.5% share · 3 offices | |
| Berrien, GA | $132.0 m FY2026 · $33,511/job | |
| MULTIPLE RECIPIENTS | $110.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers and Merchants Bank | $179,888,000 | 53.5% | 1 |
| Bank of Alapaha | $156,073,000 | 46.5% | 3 |
Deposit concentration is 5,025 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 53.5² + 46.5² = 5,025
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 | $87,374,742 |
| Department of Veterans Affairs | $22,708,447 |
| Department of Agriculture | $18,613,597 |
| Department of Housing and Urban Development | $1,047,478 |
| Department of Transportation | $1,037,828 |
| Railroad Retirement Board | $703,894 |
| Department of Health and Human Services | $187,569 |
| Department of Justice | $166,288 |
| Federal Communications Commission | $96,850 |
| Department of Homeland Security | $16,335 |
| Small Business Administration | $14,252 |
That is $33,511 per covered job, against 3,938 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $132.0 m / 3,938 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,511
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 #
Berrien County, GA: 5 findings, 1 at a watch level and 4 noted
watchBerrien County, GA's average weekly wage is -22.4% 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 = -22.4 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteBerrien County, GA's average weekly wage was 22.4% 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
- -22.4 % = 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
noteBerrien County, GA's momentum index of -0.20 ranks 151st of 159 Georgia counties, against a median of 0.31.
Period 2026-08.Show the arithmetic
- 5 on the 0-to-100 scale across 159 Georgia 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
noteBerrien County, GA's momentum index of -0.20 ranks 2,953rd of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 8 on the 0-to-100 scale across 3221 US 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 Berrien County, GA 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.