Candler County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.40, -82.07.
Assembled 2026-10-06. Read the brief.
- 46th pct · 1,634th of 3,063 US counties · median $234,566
- 51st pct · 77th of 159 Georgia counties · median $219,820
- 92nd pct · 239th of 3,063 US counties · median +2.9%
- 89th pct · 17th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 26th pct · 2,371st of 3,221 US counties · median 8,232
- 31st pct · 109th of 159 Georgia counties · median 7,095
- 11th pct · 2,850th of 3,221 US counties · median $1,039
- 12th pct · 140th of 159 Georgia counties · median $964
- 66th pct · 1,031st of 3,063 US counties · median 4.3
- 67th pct · 53rd 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 $226,296 (Aug 2026), +8.4% over one year, +51.0% over five
- 46th pct · 1,634th of 3,063 US counties · median $234,566
- 51st pct · 77th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Candler County, GA | $226,296 · +8.4% 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 $1,239 a month on $226,296 at 7.28%, against an average weekly wage worth $3,679 a month: 33.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $226,296 × 80% = $181,037, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,239/mo principal and interest
- wage share = payment / (avg weekly wage $849 × 52 / 12 = $3,679) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $226,296 / ($849 × 52) = 5.1
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 #
3,250 jobs at 281 employers (2026 Q1); +3.8% jobs and -3.6% average weekly wage over the year
- 26th pct · 2,371st of 3,221 US counties · median 8,232
- 31st pct · 109th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Candler County, GA | 3,250 jobs · $849/wk · +3.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 469 | $716 | 0.96 | +16.1% |
| Retail trade | 451 | $660 | 1.42 | +4.9% |
| Accommodation and food services | 409 | $431 | 1.40 | +16.2% |
| Construction | 209 | $1,035 | 1.23 | +0.0% |
| Other services | 112 | $1,299 | 1.15 | +30.2% |
| Professional and technical services | 105 | $1,260 | 0.47 | +2.9% |
| Wholesale trade | 76 | $1,085 | 0.61 | -22.4% |
| Finance and insurance | 50 | $891 | 0.38 | -5.7% |
| Arts, entertainment and recreation | 33 | $251 | 0.62 | +3.1% |
| Real estate and rental | 7 | $1,054 | 0.14 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | 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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$283.3 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 2,932, highly concentrated. $64.6 m federal obligations in FY2026 (direct payments $61.7 m, grants $2.9 m), $19,874 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $119.3 m · 42.1% share · 1 office | |
| Durden Banking Company, Incorporated | $62.4 m · 22.0% share · 1 office | |
| Pineland Bank | $61.9 m · 21.8% share · 2 offices | |
| Candler, GA | $64.6 m FY2026 · $19,874/job | |
| MULTIPLE RECIPIENTS | $59.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $119,299,000 | 42.1% | 1 |
| Durden Banking Company, Incorporated | $62,437,000 | 22.0% | 1 |
| Pineland Bank | $61,879,000 | 21.8% | 2 |
| Queensborough National Bank & Trust Company | $39,689,000 | 14.0% | 1 |
Deposit concentration is 2,932 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 42.1² + 22.0² + 21.8² + … (1 more) = 2,932
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 | $52,757,076 |
| Department of Veterans Affairs | $6,518,071 |
| Department of Transportation | $2,139,092 |
| Department of Agriculture | $2,042,021 |
| Department of Housing and Urban Development | $781,663 |
| Railroad Retirement Board | $202,737 |
| Department of Health and Human Services | $150,000 |
| Small Business Administration | $247 |
That is $19,874 per covered job, against 3,250 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $64.6 m / 3,250 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,874
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 #
Candler County, GA: 7 findings, 1 at a watch level and 6 noted
watchCandler County, GA's average weekly wage is -3.6% 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 = -3.6 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteCandler County, GA's covered employment was 3.8% 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
- +3.8 % = 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
noteCandler County, GA's average weekly wage was 3.6% 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
- -3.6 % = 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
noteCandler County, GA's typical home value rose 0.3% from $225,530 in July 2026 to $226,296 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (226296.41013468071 - 225529.90787431074) / 225529.90787431074 × 100
- 226296.41013468071 = Zillow ZHVI, 2026-08
- 225529.90787431074 = Zillow ZHVI, 2026-07
noteCandler County, GA's typical home value of +8.4% ranks 239th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 92 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 7 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.