Franklin County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.38, -83.23.
Assembled 2026-10-06. Read the brief.
- 65th pct · 1,043rd of 3,063 US counties · median $234,566
- 68th pct · 51st of 159 Georgia counties · median $219,820
- 46th pct · 1,654th of 3,063 US counties · median +2.9%
- 50th pct · 80th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 49th pct · 1,619th of 3,221 US counties · median 8,232
- 56th pct · 70th 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
- 78th pct · 656th of 3,063 US counties · median 4.3
- 78th pct · 35th 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 $285,968 (Aug 2026), +2.6% over one year, +32.0% over five
- 65th pct · 1,043rd of 3,063 US counties · median $234,566
- 68th pct · 51st of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Franklin County, GA | $285,968 · +2.6% 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 $1,565 a month on $285,968 at 7.28%, against an average weekly wage worth $3,991 a month: 39.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $285,968 × 80% = $228,774, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,565/mo principal and interest
- wage share = payment / (avg weekly wage $921 × 52 / 12 = $3,991) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $285,968 / ($921 × 52) = 6.0
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 #
8,174 jobs at 630 employers (2026 Q1); -0.1% jobs and +4.5% average weekly wage over the year
- 49th pct · 1,619th of 3,221 US counties · median 8,232
- 56th pct · 70th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Franklin County, GA | 8,174 jobs · $921/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,190 | $1,239 | 1.81 | +0.7% |
| Transportation and warehousing | 1,049 | $948 | 3.04 | -3.9% |
| Retail trade | 889 | $693 | 1.12 | +2.4% |
| Construction | 294 | $1,039 | 0.69 | -0.3% |
| Agriculture, forestry, fishing | 277 | $1,190 | 4.69 | +4.5% |
| Other services | 248 | $1,111 | 1.02 | +9.3% |
| Administrative and waste services | 182 | $792 | 0.39 | +7.7% |
| Finance and insurance | 133 | $1,575 | 0.40 | -0.7% |
| Professional and technical services | 107 | $911 | 0.19 | -11.6% |
| Management of companies | 105 | $1,927 | 0.77 | +16.7% |
| Real estate and rental | 39 | $930 | 0.31 | +0.0% |
| Unclassified | 35 | $718 | 2.01 | +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 #
15 USGS reservoir gauges, no capacity figures to weight
Sites found: 15, 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 |
|---|---|---|
| HARTWELL LAKE NEAR ANDERSON, SC | 649.1 ft (USGS, no capacity on file) | 37 km |
| RUSSELL LAKE ABOVE CALHOUN FALLS, SC | 473.0 ft (USGS, no capacity on file) | 64 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 81 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 731.7 ft (USGS, no capacity on file) | 97 km |
| THURMOND LAKE NEAR PLUM BRANCH, SC | 320.0 ft (USGS, no capacity on file) | 101 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.1 ft (USGS, no capacity on file) | 116 km |
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 120 km |
| LAKE GREENWOOD NEAR CHAPPELLS, SC | 438.9 ft (USGS, no capacity on file) | 124 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 #
56 gauges · 0 flooding · 10 with quality panels averaging 97 % · 8 stale
Sites found: 56, 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 |
|---|---|---|
| GROVE CREEK AT US 441 AND GA 15 NEAR COMMERCE, GA | flow 8.75 ft³/s · no flooding | 25 km |
| NORTH OCONEE R AT WOODBRIDGE RD, NEAR COMMERCE, GA | flow 38.9 ft³/s · no flooding | 33 km |
| Tugalo River at YONAH DAM | no flooding | 35 km |
| USGS-344108083090600 | stage 7.76 ft | 35 km |
| PARKS CREEK AT LYLE FIELD RD NR JEFFERSON, GA | flow 0.65 ft³/s · quality 90 % (5) · no flooding | 36 km |
| Savannah River at Hartwell Dam | observation not current | 37 km |
| CONEROSS CK NR SENECA, SC | flow 40.8 ft³/s | 37 km |
| SAVANNAH RIVER BELOW HARTWELL LK NR HARTWELL, GA | flow 11.0 ft³/s · STALE | 38 km |
| BEAVERDAM CREEK ABOVE ELBERTON, GA | flow 10.0 ft³/s · no flooding | 38 km |
| SOQUE RIVER AT GA 197, NEAR CLARKESVILLE, GA | flow 59.8 ft³/s · no flooding | 39 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-341020083201701 | depth 13.3 ft · 2002-04-25 | 25 km |
| USGS-340224083125101 | depth 32.0 ft · 2006-12-03 | 37 km |
| USGS-340204083132601 | depth 17.3 ft · 2026-10-05 | 38 km |
| USGS-345051083041800 | depth 30.9 ft · 2026-10-05 | 54 km |
| USGS-344314083433201 | depth 6.23 ft · 2026-10-05 | 60 km |
| USGS-343714082285600 | depth 3.91 ft · 2026-10-05 | 74 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 (0.17)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.03 / 0.55
Banks & federal dollars #
$610.4 m in deposits at 9 offices of 4 banks (SOD June 2026); HHI 3,054, highly concentrated. $156.9 m federal obligations in FY2026 (direct payments $154.8 m, grants $1.6 m), $19,191 per covered job
| Item | Value | Distance |
|---|---|---|
| Vallant Bank | $245.8 m · 40.3% share · 3 offices | |
| Northeast Georgia Bank | $170.9 m · 28.0% share · 3 offices | |
| First-Citizens Bank & Trust Company | $148.8 m · 24.4% share · 2 offices | |
| Franklin, GA | $156.9 m FY2026 · $19,191/job | |
| MULTIPLE RECIPIENTS | $150.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Vallant Bank | $245,803,000 | 40.3% | 3 |
| Northeast Georgia Bank | $170,927,000 | 28.0% | 3 |
| First-Citizens Bank & Trust Company | $148,796,000 | 24.4% | 2 |
| Truist Bank | $44,850,000 | 7.3% | 1 |
Deposit concentration is 3,054 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 = 40.3² + 28.0² + 24.4² + … (1 more) = 3,054
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 | $132,463,952 |
| Department of Veterans Affairs | $17,460,590 |
| Department of Housing and Urban Development | $2,076,837 |
| Department of Education | $2,029,314 |
| Department of Agriculture | $1,558,887 |
| Railroad Retirement Board | $553,679 |
| Department of Transportation | $378,423 |
| Department of Defense | $357,620 |
| Department of Justice | $1,771 |
| Small Business Administration | $0 |
| Federal Communications Commission | -$12,809 |
That is $19,191 per covered job, against 8,174 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $156.9 m / 8,174 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,191
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 | 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 #
Franklin County, GA: 4 findings, 1 at a watch level and 3 noted
watchFranklin County, GA's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFranklin County, GA's average weekly wage was 4.5% 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
- +4.5 % = 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
noteFranklin County, GA's covered employment was 0.1% 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
- -0.1 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Franklin 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.