Catoosa County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.90, -85.14.
Assembled 2026-10-06. Read the brief.
- 67th pct · 983rd of 3,063 US counties · median $234,566
- 70th pct · 48th of 159 Georgia counties · median $219,820
- 80th pct · 2nd of 6 counties in the Chattanooga metro · median $273,795
- 25th pct · 2,272nd of 3,063 US counties · median +2.9%
- 25th pct · 119th of 159 Georgia counties · median +2.6%
- 20th pct · 5th of 6 counties in the Chattanooga metro · median +1.3%
- 61st pct · 539th of 1,399 US counties · median $1,496
- 47th pct · 38th of 72 Georgia counties · median $1,651
- counties in the Chattanooga metro: only 3 of counties in the Chattanooga metro published this metric; fewer than 5 is too few to rank
- 66th pct · 1,064th of 3,221 US counties · median 8,232
- 72nd pct · 44th of 159 Georgia counties · median 7,095
- 80th pct · 2nd of 6 counties in the Chattanooga metro · median 11,575
- 19th pct · 2,580th of 3,221 US counties · median $1,039
- 28th pct · 113th of 159 Georgia counties · median $964
- 40th pct · 4th of 6 counties in the Chattanooga metro · median $915
- 81st pct · 567th of 3,063 US counties · median 4.3
- 81st pct · 31st of 159 Georgia counties · median 4.3
- 80th pct · 2nd of 6 counties in the Chattanooga metro · median 5.3
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 $293,259 (Aug 2026), +0.6% over one year, +28.1% over five
- 67th pct · 983rd of 3,063 US counties · median $234,566
- 70th pct · 48th of 159 Georgia counties · median $219,820
- 80th pct · 2nd of 6 counties in the Chattanooga metro · median $273,795
| Item | Value | Distance |
|---|---|---|
| Catoosa County, GA | $293,259 · +0.6% 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 #
Typical rent $1,638/mo (Aug 2026), +3.1% over one year; price-to-rent 14.9
- 61st pct · 539th of 1,399 US counties · median $1,496
- 47th pct · 38th of 72 Georgia counties · median $1,651
- counties in the Chattanooga metro: only 3 of counties in the Chattanooga metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Catoosa County, GA | $1,638/mo · +3.1% 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 $1,605 a month on $293,259 at 7.28%, against an average weekly wage worth $3,913 a month: 41.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $293,259 × 80% = $234,607, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,605/mo principal and interest
- wage share = payment / (avg weekly wage $903 × 52 / 12 = $3,913) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $293,259 / ($903 × 52) = 6.2
- price-to-rent = $293,259 / ($1,638 × 12) = 14.9
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 #
16,527 jobs at 1,281 employers (2026 Q1); +0.9% jobs and +4.6% average weekly wage over the year
- 66th pct · 1,064th of 3,221 US counties · median 8,232
- 72nd pct · 44th of 159 Georgia counties · median 7,095
- 80th pct · 2nd of 6 counties in the Chattanooga metro · median 11,575
| Item | Value | Distance |
|---|---|---|
| Catoosa County, GA | 16,527 jobs · $903/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,491 | $695 | 2.17 | -0.3% |
| Accommodation and food services | 2,219 | $416 | 1.49 | -5.9% |
| Manufacturing | 1,835 | $1,095 | 1.38 | -3.3% |
| Other services | 722 | $1,063 | 1.46 | +3.4% |
| Finance and insurance | 406 | $1,055 | 0.60 | -5.6% |
| Wholesale trade | 380 | $1,291 | 0.60 | +2.7% |
| Administrative and waste services | 356 | $1,033 | 0.38 | +5.0% |
| Real estate and rental | 221 | $1,059 | 0.87 | +6.2% |
| Arts, entertainment and recreation | 143 | $363 | 0.53 | +2.1% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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 #
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$1.1 bn in deposits at 10 offices of 7 banks (SOD June 2026); HHI 2,232, highly concentrated. $404.8 m federal obligations in FY2026 (direct payments $396.8 m, contracts $5.6 m), $24,491 per covered job
| Item | Value | Distance |
|---|---|---|
| FirstBank | $392.1 m · 36.7% share · 2 offices | |
| Builtwell Bank | $213.7 m · 20.0% share · 2 offices | |
| Wells Fargo Bank, National Association | $136.5 m · 12.8% share · 1 office | |
| Catoosa, GA | $404.8 m FY2026 · $24,491/job | |
| MULTIPLE RECIPIENTS | $395.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| FirstBank | $392,070,000 | 36.7% | 2 |
| Builtwell Bank | $213,654,000 | 20.0% | 2 |
| Wells Fargo Bank, National Association | $136,477,000 | 12.8% | 1 |
| The Huntington National Bank | $134,534,000 | 12.6% | 2 |
| Regions Bank | $125,374,000 | 11.7% | 1 |
| First Horizon Bank | $43,440,000 | 4.1% | 1 |
| First Financial Bank, National Association | $21,516,000 | 2.0% | 1 |
Deposit concentration is 2,232 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 36.7² + 20.0² + 12.8² + … (4 more) = 2,232
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 | $351,198,907 |
| Department of Veterans Affairs | $38,559,134 |
| Railroad Retirement Board | $5,858,310 |
| Department of Defense | $4,380,690 |
| Department of Health and Human Services | $2,150,385 |
| Department of the Interior | $876,536 |
| Department of Agriculture | $853,227 |
| Department of Housing and Urban Development | $519,226 |
| Federal Communications Commission | $422,176 |
| Small Business Administration | $1,853 |
| Department of Transportation | -$64,115 |
That is $24,491 per covered job, against 16,527 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $404.8 m / 16,527 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,491
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 #
Catoosa County, GA: 6 findings, 6 noted
noteCatoosa County, GA's average weekly wage was 4.6% 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
- +4.6 % = 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
noteCatoosa County, GA's typical asking rent rose 2.0% from $1,606 in July 2026 to $1,638 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.0% = (1637.6975986975986 - 1606.2196828761164) / 1606.2196828761164 × 100
- 1637.6975986975986 = Zillow ZORI, 2026-08
- 1606.2196828761164 = Zillow ZORI, 2026-07
noteCatoosa County, GA's covered employment was 0.9% 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
- +0.9 % = 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
noteCatoosa County, GA's covered employment of +0.9% ranks 1st of 6 counties in the Chattanooga metro, against a median of +0.3%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Chattanooga metro that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Catoosa 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.