Clarke County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.95, -83.37.
Assembled 2026-10-06. Read the brief.
- 76th pct · 724th of 3,063 US counties · median $234,566
- 79th pct · 34th of 159 Georgia counties · median $219,820
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 37th pct · 1,929th of 3,063 US counties · median +2.9%
- 36th pct · 102nd of 159 Georgia counties · median +2.6%
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 59th pct · 572nd of 1,399 US counties · median $1,496
- 42nd pct · 42nd of 72 Georgia counties · median $1,651
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 88th pct · 381st of 3,221 US counties · median 8,232
- 92nd pct · 13th of 159 Georgia counties · median 7,095
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 73rd pct · 853rd of 3,221 US counties · median $1,039
- 83rd pct · 26th of 159 Georgia counties · median $964
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 71st pct · 872nd of 3,063 US counties · median 4.3
- 71st pct · 46th of 159 Georgia counties · median 4.3
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
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 $333,230 (Aug 2026), +1.8% over one year, +33.8% over five
- 76th pct · 724th of 3,063 US counties · median $234,566
- 79th pct · 34th of 159 Georgia counties · median $219,820
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clarke County, GA | $333,230 · +1.8% 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 $1,611/mo (Aug 2026), +2.4% over one year; price-to-rent 17.2
- 59th pct · 572nd of 1,399 US counties · median $1,496
- 42nd pct · 42nd of 72 Georgia counties · median $1,651
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clarke County, GA | $1,611/mo · +2.4% 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 $1,824 a month on $333,230 at 7.28%, against an average weekly wage worth $5,096 a month: 35.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $333,230 × 80% = $266,584, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,824/mo principal and interest
- wage share = payment / (avg weekly wage $1,176 × 52 / 12 = $5,096) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $333,230 / ($1,176 × 52) = 5.4
- price-to-rent = $333,230 / ($1,611 × 12) = 17.2
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 #
74,231 jobs at 4,058 employers (2026 Q1); +0.9% jobs and +2.1% average weekly wage over the year
- 88th pct · 381st of 3,221 US counties · median 8,232
- 92nd pct · 13th of 159 Georgia counties · median 7,095
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clarke County, GA | 74,231 jobs · $1,176/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 12,060 | $1,432 | 1.08 | -0.2% |
| Accommodation and food services | 8,774 | $415 | 1.32 | +2.9% |
| Retail trade | 7,237 | $759 | 1.00 | -3.7% |
| Manufacturing | 5,511 | $1,515 | 0.92 | -2.5% |
| Wholesale trade | 3,578 | $1,365 | 1.26 | +12.0% |
| Administrative and waste services | 2,511 | $653 | 0.60 | -11.2% |
| Professional and technical services | 2,302 | $1,955 | 0.45 | -1.4% |
| Other services | 1,717 | $1,162 | 0.77 | +0.8% |
| Real estate and rental | 1,333 | $1,203 | 1.17 | +3.3% |
| Transportation and warehousing | 1,232 | $1,058 | 0.39 | +15.4% |
| Arts, entertainment and recreation | 869 | $520 | 0.71 | +3.0% |
| Finance and insurance | 838 | $2,956 | 0.28 | -6.4% |
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 #
$4.2 bn in deposits at 27 offices of 16 banks (SOD June 2026); HHI 1,390, moderately concentrated. $794.9 m federal obligations in FY2026 (direct payments $532.7 m, grants $206.0 m), $10,708 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $1.1 bn · 27.3% share · 4 offices | |
| Truist Bank | $603.1 m · 14.4% share · 4 offices | |
| Bank of America, National Association | $468.3 m · 11.2% share · 2 offices | |
| Clarke, GA | $794.9 m FY2026 · $10,708/job | |
| MULTIPLE RECIPIENTS | $475.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $1,140,140,000 | 27.3% | 4 |
| Truist Bank | $603,149,000 | 14.4% | 4 |
| Bank of America, National Association | $468,315,000 | 11.2% | 2 |
| First American Bank and Trust Company | $461,449,000 | 11.0% | 3 |
| Wells Fargo Bank, National Association | $420,457,000 | 10.1% | 2 |
| Classic City Bank | $277,767,000 | 6.6% | 1 |
| United Community Bank | $137,912,000 | 3.3% | 1 |
| Regions Bank | $131,387,000 | 3.1% | 2 |
| The Huntington National Bank | $105,054,000 | 2.5% | 1 |
| Bank OZK | $99,481,000 | 2.4% | 1 |
Deposit concentration is 1,390 across 16 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 27.3² + 14.4² + 11.2² + … (13 more) = 1,390
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 | $424,319,485 |
| Department of Health and Human Services | $89,953,683 |
| Department of Agriculture | $68,934,787 |
| Department of Education | $60,222,913 |
| Department of Veterans Affairs | $50,625,255 |
| Environmental Protection Agency | $23,560,052 |
| National Science Foundation | $22,926,499 |
| Department of Housing and Urban Development | $12,229,478 |
| Department of Transportation | $12,166,187 |
| Department of Commerce | $10,303,043 |
| General Services Administration | $7,079,603 |
| Department of Energy | $5,089,766 |
That is $10,708 per covered job, against 74,231 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $794.9 m / 74,231 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,708
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 #
Clarke County, GA: 5 findings, 5 noted
noteClarke County, GA's average weekly wage was 2.1% 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
- +2.1 % = 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
noteClarke 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
noteClarke County, GA's covered employment of 74,231 ranks 13th of 159 Georgia counties, against a median of 7,095.
Period 2026 Q1.Show the arithmetic
- 92 on the 0-to-100 scale across 159 Georgia counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Clarke 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
noteThe next Zillow ZORI typical rent (monthly) covering Clarke 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.