Chattooga County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.47, -85.35.
Assembled 2026-10-06. Read the brief.
- 27th pct · 2,220th of 3,063 US counties · median $234,566
- 33rd pct · 106th of 159 Georgia counties · median $219,820
- 69th pct · 939th of 3,063 US counties · median +2.9%
- 70th pct · 47th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 37th pct · 2,005th of 3,221 US counties · median 8,232
- 42nd pct · 92nd of 159 Georgia counties · median 7,095
- 11th pct · 2,841st of 3,221 US counties · median $1,039
- 13th pct · 138th of 159 Georgia counties · median $964
- 45th pct · 1,684th of 3,063 US counties · median 4.3
- 43rd pct · 91st 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 $178,463 (Aug 2026), +4.7% over one year, +20.8% over five
- 27th pct · 2,220th of 3,063 US counties · median $234,566
- 33rd pct · 106th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Chattooga County, GA | $178,463 · +4.7% 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 $977 a month on $178,463 at 7.28%, against an average weekly wage worth $3,688 a month: 26.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $178,463 × 80% = $142,771, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $977/mo principal and interest
- wage share = payment / (avg weekly wage $851 × 52 / 12 = $3,688) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $178,463 / ($851 × 52) = 4.0
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 #
5,118 jobs at 408 employers (2026 Q1); -0.8% jobs and +1.8% average weekly wage over the year
- 37th pct · 2,005th of 3,221 US counties · median 8,232
- 42nd pct · 92nd of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Chattooga County, GA | 5,118 jobs · $851/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,367 | $917 | 3.32 | -0.4% |
| Retail trade | 711 | $566 | 1.43 | -1.1% |
| Accommodation and food services | 438 | $320 | 0.95 | +0.0% |
| Construction | 316 | $1,092 | 1.18 | -2.2% |
| Wholesale trade | 154 | $1,029 | 0.79 | +9.2% |
| Finance and insurance | 100 | $980 | 0.48 | +4.2% |
| Administrative and waste services | 67 | $566 | 0.23 | +139.3% |
| Other services | 65 | $667 | 0.42 | -1.5% |
| Agriculture, forestry, fishing | 60 | $959 | 1.62 | -11.8% |
| Professional and technical services | 45 | $1,155 | 0.13 | -8.2% |
| Information | 19 | $1,414 | 0.20 | +11.8% |
| Arts, entertainment and recreation | 19 | $1,287 | 0.23 | +0.0% |
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 #
8 USGS reservoir gauges, no capacity figures to weight
Sites found: 8, 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.
| Site | Reading | Distance |
|---|---|---|
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 36.3 ft (USGS, no capacity on file) | 61 km |
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 64 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 835.9 ft (USGS, no capacity on file) | 66 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.8 ft (USGS, no capacity on file) | 105 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 122 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 833.6 ft (USGS, no capacity on file) | 137 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.5 ft (USGS, no capacity on file) | 141 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 778.1 ft (USGS, no capacity on file) | 143 km |
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 #
66 gauges · 0 flooding · 7 with quality panels averaging 100 % · 14 stale
Sites found: 66, 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 |
|---|---|---|
| CHATTOOGA RIVER AT SUMMERVILLE, GA | flow 58.6 ft³/s | 1 km |
| HEATH CREEK NEAR ARMUCHEE, GA | flow 2.82 ft³/s | 14 km |
| CHATTOOGA RIVER AT CHATTOOGAVILLE, GA | flow 695.0 ft³/s · STALE | 18 km |
| ARMUCHEE CREEK AT OLD DALTON ROAD, NEAR ROME, GA | flow 47.7 ft³/s | 23 km |
| CHATTOOGA RIVER ABOVE GAYLESVILLE AL | flow 126.0 ft³/s | 25 km |
| OOSTANAULA RIVER NEAR ROME, GA | flow 804.0 ft³/s | 27 km |
| OOSTANAULA RIVER AT US 27, AT ROME, GA | stage 3.60 ft | 29 km |
| ETOWAH RIVER AT ROME, GA. | flow 1,070 ft³/s · STALE | 30 km |
| ETOWAH RIVER AT COOSA VALLEY F.G., AT ROME, GA | stage 6.13 ft | 30 km |
| COOSA RIVER MAYOS BAR NEAR ROME, GA | flow 1,940 ft³/s · quality 100 % (1) | 32 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 #
4 wells in 0 named aquifers:
Sites found: 4, 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-342922084511601 | depth 25.0 ft · 2026-10-05 | 45 km |
| USGS-345403085160001 | depth 16.1 ft · 2026-10-05 | 48 km |
| USGS-345848085173701 | depth 70.7 ft · 1981-06-27 | 56 km |
| USGS-350234085181200 | depth 16.5 ft · 1998-10-26 | 63 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$444.5 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 3,741, highly concentrated. $161.6 m federal obligations in FY2026 (direct payments $159.2 m, grants $2.3 m), $31,570 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $245.8 m · 55.3% share · 2 offices | |
| Truist Bank | $79.7 m · 17.9% share · 1 office | |
| Southeast First National Bank | $65.9 m · 14.8% share · 2 offices | |
| Chattooga, GA | $161.6 m FY2026 · $31,570/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $245,757,000 | 55.3% | 2 |
| Truist Bank | $79,651,000 | 17.9% | 1 |
| Southeast First National Bank | $65,851,000 | 14.8% | 2 |
| Regions Bank | $53,203,000 | 12.0% | 1 |
Deposit concentration is 3,741 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 = 55.3² + 17.9² + 14.8² + … (1 more) = 3,741
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 #
That is $31,570 per covered job, against 5,118 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $161.6 m / 5,118 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,570
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Chattooga County, GA: 5 findings, 1 at a watch level and 4 noted
watchChattooga County, GA's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteChattooga County, GA's average weekly wage was 1.8% 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
- +1.8 % = 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
noteChattooga County, GA's covered employment was 0.8% 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
- -0.8 % = 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
noteChattooga County, GA's typical home value fell 0.3% from $178,929 in July 2026 to $178,463 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (178463.1574689257 - 178928.95018947925) / 178928.95018947925 × 100
- 178463.1574689257 = Zillow ZHVI, 2026-08
- 178928.95018947925 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Chattooga 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.