Carroll County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.58, -85.08.
Assembled 2026-10-06. Read the brief.
- 67th pct · 1,009th of 3,063 US counties · median $234,566
- 69th pct · 49th of 159 Georgia counties · median $219,820
- 21st pct · 23rd of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $342,031
- 23rd pct · 2,334th of 3,063 US counties · median +2.9%
- 23rd pct · 122nd of 159 Georgia counties · median +2.6%
- 64th pct · 11th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median -0.4%
- 61st pct · 533rd of 1,399 US counties · median $1,496
- 49th pct · 37th of 72 Georgia counties · median $1,651
- 20th pct · 20th of 25 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,809
- 82nd pct · 550th of 3,221 US counties · median 8,232
- 86th pct · 22nd of 159 Georgia counties · median 7,095
- 57th pct · 13th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
- 80th pct · 640th of 3,221 US counties · median $1,039
- 89th pct · 17th of 159 Georgia counties · median $964
- 71st pct · 9th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,138
- 54th pct · 1,396th of 3,063 US counties · median 4.3
- 58th pct · 67th of 159 Georgia counties · median 4.3
- 21st pct · 23rd of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 5.7
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 $289,605 (Aug 2026), +0.4% over one year, +26.6% over five
- 67th pct · 1,009th of 3,063 US counties · median $234,566
- 69th pct · 49th of 159 Georgia counties · median $219,820
- 21st pct · 23rd of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $342,031
| Item | Value | Distance |
|---|---|---|
| Carroll County, GA | $289,605 · +0.4% 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 #
Typical rent $1,642/mo (Aug 2026), +1.2% over one year; price-to-rent 14.7
- 61st pct · 533rd of 1,399 US counties · median $1,496
- 49th pct · 37th of 72 Georgia counties · median $1,651
- 20th pct · 20th of 25 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,809
| Item | Value | Distance |
|---|---|---|
| Carroll County, GA | $1,642/mo · +1.2% 1-yr |
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 $1,585 a month on $289,605 at 7.28%, against an average weekly wage worth $5,369 a month: 29.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $289,605 × 80% = $231,684, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,585/mo principal and interest
- wage share = payment / (avg weekly wage $1,239 × 52 / 12 = $5,369) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $289,605 / ($1,239 × 52) = 4.5
- price-to-rent = $289,605 / ($1,642 × 12) = 14.7
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 #
45,682 jobs at 2,742 employers (2026 Q1); -1.1% jobs and +5.1% average weekly wage over the year
- 82nd pct · 550th of 3,221 US counties · median 8,232
- 86th pct · 22nd of 159 Georgia counties · median 7,095
- 57th pct · 13th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
| Item | Value | Distance |
|---|---|---|
| Carroll County, GA | 45,682 jobs · $1,239/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,597 | $1,511 | 2.07 | -3.6% |
| Health care and social assistance | 6,880 | $1,588 | 1.00 | -0.7% |
| Retail trade | 5,313 | $685 | 1.19 | -5.9% |
| Accommodation and food services | 5,177 | $389 | 1.26 | +0.2% |
| Construction | 3,851 | $1,696 | 1.61 | +16.9% |
| Administrative and waste services | 2,134 | $952 | 0.82 | -9.5% |
| Wholesale trade | 1,461 | $1,333 | 0.83 | +0.8% |
| Other services | 912 | $810 | 0.67 | -7.5% |
| Finance and insurance | 656 | $1,561 | 0.35 | +1.1% |
| Information | 524 | $1,453 | 0.62 | +4.4% |
| Real estate and rental | 395 | $1,122 | 0.56 | -8.6% |
| Arts, entertainment and recreation | 314 | $476 | 0.42 | -1.6% |
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 #
$3.2 bn in deposits at 20 offices of 11 banks (SOD June 2026); HHI 1,697, moderately concentrated. $729.9 m federal obligations in FY2026 (direct payments $720.7 m, grants $8.3 m), $15,979 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank OZK | $1.0 bn · 31.5% share · 3 offices | |
| Truist Bank | $453.7 m · 14.3% share · 3 offices | |
| Pinnacle Bank | $418.9 m · 13.2% share · 3 offices | |
| Carroll, GA | $729.9 m FY2026 · $15,979/job | |
| MULTIPLE RECIPIENTS | $683.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank OZK | $1,000,573,000 | 31.5% | 3 |
| Truist Bank | $453,677,000 | 14.3% | 3 |
| Pinnacle Bank | $418,895,000 | 13.2% | 3 |
| United Community Bank | $376,805,000 | 11.9% | 2 |
| FirstBank | $314,796,000 | 9.9% | 1 |
| Wells Fargo Bank, National Association | $192,981,000 | 6.1% | 2 |
| Regions Bank | $167,168,000 | 5.3% | 2 |
| Bank of America, National Association | $110,441,000 | 3.5% | 1 |
| SouthState Bank, National Association | $77,088,000 | 2.4% | 1 |
| American Commerce Bank, National Association | $43,844,000 | 1.4% | 1 |
Deposit concentration is 1,697 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 31.5² + 14.3² + 13.2² + … (8 more) = 1,697
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 | $565,900,444 |
| Department of Veterans Affairs | $112,168,244 |
| Department of Education | $27,322,623 |
| Department of Transportation | $7,918,962 |
| Railroad Retirement Board | $6,810,510 |
| Department of Housing and Urban Development | $6,377,087 |
| Department of Agriculture | $2,833,193 |
| Federal Communications Commission | $1,052,917 |
| Department of Health and Human Services | $197,510 |
| Institute of Museum and Library Services | $135,833 |
| Small Business Administration | $0 |
| Department of Justice | -$62,157 |
That is $15,979 per covered job, against 45,682 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $729.9 m / 45,682 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,979
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 #
Carroll County, GA: 6 findings, 1 at a watch level and 5 noted
watchCarroll County, GA's covered employment is -1.1% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCarroll County, GA'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
noteCarroll County, GA's covered employment was 1.1% 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
- -1.1 % = 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
noteCarroll County, GA's typical asking rent fell 0.4% from $1,649 in July 2026 to $1,642 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1642.4374315491962 - 1649.1942990972227) / 1649.1942990972227 × 100
- 1642.4374315491962 = Zillow ZORI, 2026-08
- 1649.1942990972227 = Zillow ZORI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Carroll 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
Read all 6 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.