Gilmer County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.69, -84.45.
Assembled 2026-10-06. Read the brief.
- 87th pct · 399th of 3,063 US counties · median $234,566
- 93rd pct · 12th of 159 Georgia counties · median $219,820
- 15th pct · 2,577th of 3,063 US counties · median +2.9%
- 14th pct · 136th of 159 Georgia counties · median +2.6%
- 84th pct · 222nd of 1,399 US counties · median $1,496
- 81st pct · 14th of 72 Georgia counties · median $1,651
- 50th pct · 1,581st of 3,221 US counties · median 8,232
- 58th pct · 67th of 159 Georgia counties · median 7,095
- 22nd pct · 2,502nd of 3,221 US counties · median $1,039
- 33rd pct · 105th of 159 Georgia counties · median $964
- 94th pct · 167th of 3,063 US counties · median 4.3
- 96th pct · 7th 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 $408,440 (Aug 2026), -0.8% over one year, +23.4% over five
- 87th pct · 399th of 3,063 US counties · median $234,566
- 93rd pct · 12th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Gilmer County, GA | $408,440 · -0.8% 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 $2,025/mo (Aug 2026), n/a over one year; price-to-rent 16.8
- 84th pct · 222nd of 1,399 US counties · median $1,496
- 81st pct · 14th of 72 Georgia counties · median $1,651
| Item | Value | Distance |
|---|---|---|
| Gilmer County, GA | $2,025/mo · n/a 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 $2,236 a month on $408,440 at 7.28%, against an average weekly wage worth $3,969 a month: 56.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $408,440 × 80% = $326,752, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,236/mo principal and interest
- wage share = payment / (avg weekly wage $916 × 52 / 12 = $3,969) = 56% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $408,440 / ($916 × 52) = 8.6
- price-to-rent = $408,440 / ($2,025 × 12) = 16.8
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 #
8,485 jobs at 872 employers (2026 Q1); +3.0% jobs and +5.0% average weekly wage over the year
- 50th pct · 1,581st of 3,221 US counties · median 8,232
- 58th pct · 67th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Gilmer County, GA | 8,485 jobs · $916/wk · +3.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,512 | $931 | 2.22 | -1.8% |
| Retail trade | 1,428 | $684 | 1.73 | -2.3% |
| Accommodation and food services | 1,202 | $492 | 1.58 | -0.7% |
| Health care and social assistance | 752 | $918 | 0.59 | +34.0% |
| Professional and technical services | 406 | $1,001 | 0.69 | +32.7% |
| Construction | 391 | $1,409 | 0.88 | -6.2% |
| Other services | 290 | $890 | 1.14 | +2.8% |
| Administrative and waste services | 219 | $799 | 0.45 | +0.0% |
| Information | 187 | $2,185 | 1.20 | +1.6% |
| Real estate and rental | 146 | $1,291 | 1.12 | +1.4% |
| Finance and insurance | 133 | $1,454 | 0.38 | +7.3% |
| Wholesale trade | 119 | $1,193 | 0.37 | -21.2% |
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 #
$870.7 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,297, highly concentrated. $266.1 m federal obligations in FY2026 (direct payments $264.5 m, grants $1.5 m), $31,364 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $363.4 m · 41.7% share · 1 office | |
| Bank OZK | $312.9 m · 35.9% share · 2 offices | |
| Truist Bank | $120.6 m · 13.8% share · 1 office | |
| Gilmer, GA | $266.1 m FY2026 · $31,364/job | |
| MULTIPLE RECIPIENTS | $263.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $363,395,000 | 41.7% | 1 |
| Bank OZK | $312,905,000 | 35.9% | 2 |
| Truist Bank | $120,575,000 | 13.8% | 1 |
| Regions Bank | $73,868,000 | 8.5% | 1 |
Deposit concentration is 3,297 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 = 41.7² + 35.9² + 13.8² + … (1 more) = 3,297
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 | $236,398,826 |
| Department of Veterans Affairs | $25,946,918 |
| Railroad Retirement Board | $1,313,785 |
| Department of Transportation | $1,160,559 |
| Department of Agriculture | $529,532 |
| Federal Communications Commission | $440,040 |
| Department of Housing and Urban Development | $330,948 |
| Department of Defense | $1,399 |
| Small Business Administration | $0 |
That is $31,364 per covered job, against 8,485 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $266.1 m / 8,485 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,364
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 #
Gilmer County, GA: 8 findings, 2 at a watch level and 6 noted
watchGilmer County, GA's years of wages of 8.6 ranks 167th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 94.578706727629 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchGilmer County, GA's typical home value is -0.8% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.yoyPct = -0.80046434978975 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteGilmer County, GA's average weekly wage was 5.0% 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
- +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
noteGilmer County, GA's covered employment was 3.0% 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
- +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
noteGilmer County, GA's typical asking rent rose 2.3% from $1,980 in July 2026 to $2,025 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.3% = (2025 - 1980.0871932694697) / 1980.0871932694697 × 100
- 2025 = Zillow ZORI, 2026-08
- 1980.0871932694697 = Zillow ZORI, 2026-07
Read all 8 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.