Coffee County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.55, -82.84.
Assembled 2026-10-06. Read the brief.
- 27th pct · 2,235th of 3,063 US counties · median $234,566
- 32nd pct · 107th of 159 Georgia counties · median $219,820
- 44th pct · 1,711th of 3,063 US counties · median +2.9%
- 48th pct · 83rd of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 68th pct · 1,005th of 3,221 US counties · median 8,232
- 74th pct · 41st of 159 Georgia counties · median 7,095
- 39th pct · 1,955th of 3,221 US counties · median $1,039
- 55th pct · 72nd of 159 Georgia counties · median $964
- 30th pct · 2,131st of 3,063 US counties · median 4.3
- 31st pct · 110th 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 $177,536 (Aug 2026), +2.4% over one year, +18.9% over five
- 27th pct · 2,235th of 3,063 US counties · median $234,566
- 32nd pct · 107th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Coffee County, GA | $177,536 · +2.4% 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 #
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 $972 a month on $177,536 at 7.28%, against an average weekly wage worth $4,299 a month: 22.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $177,536 × 80% = $142,029, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $972/mo principal and interest
- wage share = payment / (avg weekly wage $992 × 52 / 12 = $4,299) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $177,536 / ($992 × 52) = 3.4
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 #
17,886 jobs at 999 employers (2026 Q1); -0.7% jobs and +4.3% average weekly wage over the year
- 68th pct · 1,005th of 3,221 US counties · median 8,232
- 74th pct · 41st of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Coffee County, GA | 17,886 jobs · $992/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,919 | $1,071 | 2.72 | +3.2% |
| Retail trade | 2,174 | $685 | 1.25 | -5.5% |
| Health care and social assistance | 2,104 | $1,216 | 0.78 | +0.0% |
| Transportation and warehousing | 1,607 | $1,213 | 2.13 | +0.1% |
| Accommodation and food services | 1,549 | $408 | 0.96 | -4.4% |
| Administrative and waste services | 874 | $988 | 0.86 | -3.3% |
| Construction | 697 | $1,039 | 0.74 | -0.1% |
| Agriculture, forestry, fishing | 499 | $1,101 | 3.86 | -9.6% |
| Wholesale trade | 484 | $1,067 | 0.71 | +9.3% |
| Professional and technical services | 367 | $2,427 | 0.30 | +27.4% |
| Finance and insurance | 294 | $1,837 | 0.40 | -3.0% |
| Other services | 220 | $809 | 0.41 | +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 #
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
13 gauges · 0 flooding · 3 with quality panels averaging 100 % · 1 stale
Sites found: 13, 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 |
|---|---|---|
| ALAPAHA RIVER NEAR ALAPAHA, GA | flow 548.0 ft³/s | 38 km |
| SATILLA RIVER AT GA 158, NEAR WAYCROSS, GA | flow 913.0 ft³/s | 38 km |
| OCMULGEE RIVER AT LUMBER CITY, GA | flow 1,690 ft³/s · quality 100 % (1) | 44 km |
| TURNPIKE CREEK NEAR MCRAE, GA | flow 38.7 ft³/s | 50 km |
| ALTAMAHA RIVER AT US 221, NR CHARLOTTEVILLE, GA | flow 3,080 ft³/s | 55 km |
| ALAPAHA RIVER AT GA 125/32 NEAR IRWINVILLE, GA | flow 344.0 ft³/s | 55 km |
| LITTLE OCMULGEE RIVER AT GA 149, AT SCOTLAND, GA | flow 28.3 ft³/s | 56 km |
| ALABAHA RIVER AT GA 203, NEAR BLACKSHEAR, GA | flow 1,590 ft³/s | 56 km |
| SATILLA RIVER NEAR WAYCROSS, GA | flow 642.0 ft³/s | 60 km |
| ALTAMAHA RIVER NEAR BAXLEY, GA | flow 3,510 ft³/s | 64 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-312711083293101 | depth 129.5 ft · 2026-08-09 | 62 km |
| USGS-312711083293102 | depth 38.6 ft · 2009-07-28 | 62 km |
| USGS-312712082593301 | depth 144.4 ft · 2026-10-05 | 62 km |
| USGS-320226082301101 | depth 110.0 ft · 2026-10-05 | 64 km |
| USGS-312716083304801 | depth 142.3 ft · 1986-11-19 | 64 km |
| USGS-310813083260301 | depth 184.5 ft · 2026-10-05 | 72 km |
| USGS-310706082155101 | depth 109.5 ft · 2026-10-05 | 73 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.4 bn in deposits at 10 offices of 8 banks (SOD June 2026); HHI 1,486, moderately concentrated. $269.4 m federal obligations in FY2026 (direct payments $256.1 m, grants $10.1 m), $15,059 per covered job
| Item | Value | Distance |
|---|---|---|
| Douglas National Bank | $294.7 m · 21.1% share · 1 office | |
| Ameris Bank | $260.5 m · 18.7% share · 2 offices | |
| First National Bank of Coffee County | $257.4 m · 18.4% share · 1 office | |
| Coffee, GA | $269.4 m FY2026 · $15,059/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Douglas National Bank | $294,673,000 | 21.1% | 1 |
| Ameris Bank | $260,471,000 | 18.7% | 2 |
| First National Bank of Coffee County | $257,363,000 | 18.4% | 1 |
| Colony Bank | $129,058,000 | 9.2% | 2 |
| FNB SOUTH | $126,076,000 | 9.0% | 1 |
| Wells Fargo Bank, National Association | $116,091,000 | 8.3% | 1 |
| Pineland Bank | $108,894,000 | 7.8% | 1 |
| Truist Bank | $103,263,000 | 7.4% | 1 |
Deposit concentration is 1,486 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 21.1² + 18.7² + 18.4² + … (5 more) = 1,486
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 $15,059 per covered job, against 17,886 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $269.4 m / 17,886 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,059
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 #
Coffee County, GA: 4 findings, 1 at a watch level and 3 noted
watchCoffee County, GA's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCoffee County, GA's average weekly wage was 4.3% 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
- +4.3 % = 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
noteCoffee County, GA's covered employment was 0.7% 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
- -0.7 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Coffee 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.