Floyd County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.26, -85.21.
Assembled 2026-10-06. Read the brief.
- 50th pct · 1,523rd of 3,063 US counties · median $234,566
- 55th pct · 72nd of 159 Georgia counties · median $219,820
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 38th pct · 1,893rd of 3,063 US counties · median +2.9%
- 37th pct · 99th of 159 Georgia counties · median +2.6%
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 30th pct · 977th of 1,399 US counties · median $1,496
- 16th pct · 60th of 72 Georgia counties · median $1,651
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 82nd pct · 562nd of 3,221 US counties · median 8,232
- 85th pct · 24th of 159 Georgia counties · median 7,095
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 46th pct · 1,707th of 3,221 US counties · median $1,039
- 61st pct · 61st of 159 Georgia counties · median $964
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 53rd pct · 1,438th of 3,063 US counties · median 4.3
- 53rd pct · 74th of 159 Georgia counties · median 4.3
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome 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 $235,196 (Aug 2026), +1.9% over one year, +28.9% over five
- 50th pct · 1,523rd of 3,063 US counties · median $234,566
- 55th pct · 72nd of 159 Georgia counties · median $219,820
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Floyd County, GA | $235,196 · +1.9% 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 #
Typical rent $1,294/mo (Aug 2026), -1.3% over one year; price-to-rent 15.1
- 30th pct · 977th of 1,399 US counties · median $1,496
- 16th pct · 60th of 72 Georgia counties · median $1,651
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Floyd County, GA | $1,294/mo · -1.3% 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 $1,287 a month on $235,196 at 7.28%, against an average weekly wage worth $4,442 a month: 29.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $235,196 × 80% = $188,157, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,287/mo principal and interest
- wage share = payment / (avg weekly wage $1,025 × 52 / 12 = $4,442) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $235,196 / ($1,025 × 52) = 4.4
- price-to-rent = $235,196 / ($1,294 × 12) = 15.1
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 #
44,608 jobs at 2,451 employers (2026 Q1); +0.3% jobs and +0.7% average weekly wage over the year
- 82nd pct · 562nd of 3,221 US counties · median 8,232
- 85th pct · 24th of 159 Georgia counties · median 7,095
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Floyd County, GA | 44,608 jobs · $1,025/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,888 | $1,473 | 1.32 | -3.6% |
| Administrative and waste services | 7,342 | $379 | 2.90 | +8.9% |
| Manufacturing | 6,257 | $1,379 | 1.74 | +2.5% |
| Retail trade | 4,821 | $688 | 1.11 | -0.5% |
| Accommodation and food services | 4,343 | $476 | 1.08 | -2.0% |
| Educational services | 1,158 | $1,121 | 1.21 | -2.7% |
| Wholesale trade | 1,009 | $1,365 | 0.59 | -6.1% |
| Construction | 837 | $1,252 | 0.36 | -0.2% |
| Finance and insurance | 800 | $2,132 | 0.44 | -3.0% |
| Other services | 697 | $750 | 0.52 | -12.7% |
| Transportation and warehousing | 631 | $1,050 | 0.34 | -6.1% |
| Real estate and rental | 362 | $1,021 | 0.53 | +19.5% |
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 #
11 USGS reservoir gauges, no capacity figures to weight
Sites found: 11, 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 |
|---|---|---|
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 835.9 ft (USGS, no capacity on file) | 46 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 39.5 ft (USGS, no capacity on file) | 61 km |
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 63 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.2 ft (USGS, no capacity on file) | 83 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 105 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 833.6 ft (USGS, no capacity on file) | 110 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.5 ft (USGS, no capacity on file) | 114 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 778.1 ft (USGS, no capacity on file) | 116 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 #
74 gauges · 0 flooding · 9 with quality panels averaging 100 % · 10 stale
Sites found: 74, 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 |
|---|---|---|
| OOSTANAULA RIVER AT US 27, AT ROME, GA | stage 2.88 ft · no flooding | 4 km |
| ETOWAH RIVER AT ROME, GA. | flow 1,070 ft³/s · STALE | 5 km |
| ETOWAH RIVER AT COOSA VALLEY F.G., AT ROME, GA | stage 4.48 ft · no flooding | 6 km |
| OOSTANAULA RIVER NEAR ROME, GA | flow 733.0 ft³/s · no flooding | 8 km |
| COOSA RIVER MAYOS BAR NEAR ROME, GA | flow 1,260 ft³/s · quality 100 % (1) · no flooding | 8 km |
| ETOWAH RIVER AT GA 1 LOOP, NEAR ROME, GA | flow 718.0 ft³/s · no flooding | 10 km |
| Coosa River at Plant Hammond | out of service | 12 km |
| ARMUCHEE CREEK AT OLD DALTON ROAD, NEAR ROME, GA | flow 47.7 ft³/s · no flooding | 13 km |
| HEATH CREEK NEAR ARMUCHEE, GA | flow 2.82 ft³/s · no flooding | 13 km |
| ETOWAH RIVER NEAR KINGSTON,GA | flow 512.0 ft³/s · no flooding | 22 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 #
10 wells in 0 named aquifers:
Sites found: 10, 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 24.9 ft · 2026-10-05 | 41 km |
| USGS-341913084325301 | depth -1.05 ft · 2008-04-29 | 61 km |
| USGS-345403085160001 | depth 16.1 ft · 2026-10-05 | 71 km |
| USGS-335612084312901 | depth 5.10 ft · 2008-04-22 | 73 km |
| USGS-335612084312902 | depth 22.5 ft · 2026-10-05 | 73 km |
| USGS-335602084313101 | depth 15.9 ft · 1999-10-28 | 73 km |
| USGS-335602084313102 | depth 17.4 ft · 1999-09-29 | 73 km |
| USGS-335605084312801 | depth 7.45 ft · 2000-07-05 | 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$2.4 bn in deposits at 13 offices of 8 banks (SOD June 2026); HHI 1,399, moderately concentrated. $627.7 m federal obligations in FY2026 (direct payments $621.6 m, contracts $3.8 m), $14,071 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $512.9 m · 21.6% share · 2 offices | |
| Bank OZK | $394.8 m · 16.6% share · 1 office | |
| River City Bank | $321.0 m · 13.5% share · 1 office | |
| Floyd, GA | $627.7 m FY2026 · $14,071/job | |
| MULTIPLE RECIPIENTS | $569.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $512,934,000 | 21.6% | 2 |
| Bank OZK | $394,823,000 | 16.6% | 1 |
| River City Bank | $320,958,000 | 13.5% | 1 |
| Pinnacle Bank | $255,173,000 | 10.8% | 1 |
| Regions Bank | $253,938,000 | 10.7% | 2 |
| Truist Bank | $236,628,000 | 10.0% | 2 |
| Wells Fargo Bank, National Association | $208,230,000 | 8.8% | 1 |
| First National Community Bank | $188,994,000 | 8.0% | 3 |
Deposit concentration is 1,399 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 = 21.6² + 16.6² + 13.5² + … (5 more) = 1,399
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 | $510,292,866 |
| Department of Veterans Affairs | $57,464,833 |
| Department of Education | $41,547,643 |
| Department of Housing and Urban Development | $11,071,133 |
| Department of Agriculture | $3,348,409 |
| General Services Administration | $2,404,022 |
| Federal Communications Commission | $1,748,362 |
| Railroad Retirement Board | $1,676,716 |
| National Science Foundation | $705,457 |
| Department of Health and Human Services | $273,018 |
| Institute of Museum and Library Services | $99,544 |
| Department of Defense | $85,224 |
That is $14,071 per covered job, against 44,608 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $627.7 m / 44,608 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,071
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 #
Floyd County, GA: 5 findings, 5 noted
noteFloyd County, GA's average weekly wage was 0.7% 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
- +0.7 % = 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
noteFloyd County, GA's typical asking rent rose 0.4% from $1,290 in July 2026 to $1,294 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.4% = (1294.4101921470342 - 1289.735835946756) / 1289.735835946756 × 100
- 1294.4101921470342 = Zillow ZORI, 2026-08
- 1289.735835946756 = Zillow ZORI, 2026-07
noteFloyd County, GA's covered employment was 0.3% 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
- +0.3 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Floyd 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 Floyd 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.