Clinch County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.92, -82.70.
Assembled 2026-10-06. Read the brief.
- 8th pct · 2,818th of 3,063 US counties · median $234,566
- 6th pct · 149th of 159 Georgia counties · median $219,820
- 97th pct · 89th of 3,063 US counties · median +2.9%
- 98th pct · 4th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 18th pct · 2,613th of 3,221 US counties · median 8,232
- 23rd pct · 122nd of 159 Georgia counties · median 7,095
- 23rd pct · 2,471st of 3,221 US counties · median $1,039
- 35th pct · 103rd of 159 Georgia counties · median $964
- 12th pct · 2,667th of 3,063 US counties · median 4.3
- 11th pct · 141st 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 $126,490 (Aug 2026), +10.9% over one year, +16.7% over five
- 8th pct · 2,818th of 3,063 US counties · median $234,566
- 6th pct · 149th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Clinch County, GA | $126,490 · +10.9% 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 $692 a month on $126,490 at 7.28%, against an average weekly wage worth $3,991 a month: 17.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $126,490 × 80% = $101,192, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $692/mo principal and interest
- wage share = payment / (avg weekly wage $921 × 52 / 12 = $3,991) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $126,490 / ($921 × 52) = 2.6
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 #
2,315 jobs at 180 employers (2026 Q1); -3.5% jobs and +2.9% average weekly wage over the year
- 18th pct · 2,613th of 3,221 US counties · median 8,232
- 23rd pct · 122nd of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Clinch County, GA | 2,315 jobs · $921/wk · -3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 931 | $1,151 | 5.00 | +3.9% |
| Agriculture, forestry, fishing | 190 | $963 | 11.36 | -2.1% |
| Retail trade | 177 | $623 | 0.78 | -2.7% |
| Health care and social assistance | 138 | $792 | 0.40 | -6.8% |
| Administrative and waste services | 82 | $603 | 0.62 | +13.9% |
| Professional and technical services | 36 | $850 | 0.23 | +16.1% |
| Other services | 34 | $553 | 0.49 | -26.1% |
| Wholesale trade | 29 | $922 | 0.33 | -65.9% |
| Construction | 22 | $821 | 0.18 | +10.0% |
| Information | 18 | $541 | 0.42 | -30.8% |
| Unclassified | 7 | $394 | 1.42 | +600.0% |
| 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 #
$182.3 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 8,160, highly concentrated. $50.1 m federal obligations in FY2026 (direct payments $49.4 m, grants $686,992), $21,633 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers and Merchants Bank | $163.6 m · 89.7% share · 1 office | |
| Renasant Bank | $18.7 m · 10.3% share · 1 office | |
| Clinch, GA | $50.1 m FY2026 · $21,633/job | |
| MULTIPLE RECIPIENTS | $35.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers and Merchants Bank | $163,599,000 | 89.7% | 1 |
| Renasant Bank | $18,686,000 | 10.3% | 1 |
Deposit concentration is 8,160 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 89.7² + 10.3² = 8,160
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 | $30,874,517 |
| Department of Agriculture | $14,088,154 |
| Department of Veterans Affairs | $3,424,805 |
| Railroad Retirement Board | $906,176 |
| Department of Housing and Urban Development | $827,204 |
| Federal Communications Commission | $108,048 |
| Small Business Administration | -$8,417 |
| Department of Transportation | -$140,212 |
That is $21,633 per covered job, against 2,315 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $50.1 m / 2,315 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,633
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 #
Clinch County, GA: 10 findings, 1 at an alert level, 1 at a watch level and 8 noted
alertClinch County, GA's covered employment is -3.5% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -3.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchClinch County, GA's covered employment is -3.5% 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 = -3.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteClinch County, GA's covered employment was 3.5% 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
- -3.5 % = 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
noteClinch County, GA's average weekly wage was 2.9% 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
- +2.9 % = 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
noteClinch County, GA's typical home value rose 1.5% from $124,628 in July 2026 to $126,490 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.5% = (126490.31799942274 - 124628.30546177311) / 124628.30546177311 × 100
- 126490.31799942274 = Zillow ZHVI, 2026-08
- 124628.30546177311 = Zillow ZHVI, 2026-07
Read all 10 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.