Grady County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.88, -84.25.
Assembled 2026-10-06. Read the brief.
- 36th pct · 1,950th of 3,063 US counties · median $234,566
- 44th pct · 88th of 159 Georgia counties · median $219,820
- 89th pct · 313th of 3,063 US counties · median +2.9%
- 86th pct · 23rd of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 39th pct · 1,958th of 3,221 US counties · median 8,232
- 44th pct · 89th of 159 Georgia counties · median 7,095
- 12th pct · 2,799th of 3,221 US counties · median $1,039
- 16th pct · 133rd of 159 Georgia counties · median $964
- 53rd pct · 1,426th of 3,063 US counties · median 4.3
- 54th pct · 73rd 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 $198,116 (Aug 2026), +7.7% over one year, +18.4% over five
- 36th pct · 1,950th of 3,063 US counties · median $234,566
- 44th pct · 88th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Grady County, GA | $198,116 · +7.7% 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 $1,084 a month on $198,116 at 7.28%, against an average weekly wage worth $3,727 a month: 29.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $198,116 × 80% = $158,493, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,084/mo principal and interest
- wage share = payment / (avg weekly wage $860 × 52 / 12 = $3,727) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $198,116 / ($860 × 52) = 4.4
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 #
5,386 jobs at 532 employers (2026 Q1); -7.9% jobs and -2.1% average weekly wage over the year
- 39th pct · 1,958th of 3,221 US counties · median 8,232
- 44th pct · 89th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Grady County, GA | 5,386 jobs · $860/wk · -7.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 746 | $619 | 1.42 | +3.3% |
| Manufacturing | 649 | $944 | 1.50 | +1.6% |
| Accommodation and food services | 454 | $331 | 0.94 | +2.5% |
| Agriculture, forestry, fishing | 396 | $764 | 10.18 | -14.7% |
| Wholesale trade | 367 | $1,123 | 1.78 | -0.3% |
| Construction | 263 | $1,043 | 0.93 | -2.2% |
| Other services | 159 | $674 | 0.99 | -4.2% |
| Finance and insurance | 143 | $1,655 | 0.65 | +2.1% |
| Administrative and waste services | 139 | $614 | 0.45 | -2.1% |
| Real estate and rental | 42 | $906 | 0.51 | +0.0% |
| Arts, entertainment and recreation | 42 | $278 | 0.47 | -4.5% |
| Unclassified | 15 | $871 | 1.31 | -95.4% |
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.4 ft (USGS, no capacity on file) | 62 km |
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.7 ft (USGS, no capacity on file) | 93 km |
| WALTER F. GEORGE RESERVOIR NEAR FORT GAINES, GA | 189.1 ft (USGS, no capacity on file) | 114 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 #
92 gauges · 0 flooding · 11 with quality panels averaging 96 % · 36 stale
Sites found: 92, 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 |
|---|---|---|
| WAKULLA SPRING NR CRAWFORDVILLE, FL | stage 5.84 ft · quality 80 % (5) | 71 km |
| WACISSA RIVER AT THOMAS SPRING NEAR WACISSA, FL | stage 29.4 ft · quality 75 % (4) | 64 km |
| OCHLOCKONEE RIVER NEAR THOMASVILLE, GA | flow 35.6 ft³/s · low threshold | 19 km |
| OCHLOCKONEE RIVER NR CONCORD, FLA. | flow 126.0 ft³/s · low threshold | 24 km |
| Lake Iamonia at Waterfront Drive | low threshold | 26 km |
| LITTLE ATTAPULGUS CREEK AT ATTAPULGUS, GA | flow 78.2 ft³/s | 29 km |
| Lake Iamonia Outfall at Meridian Road | no readings | 29 km |
| FLINT RIVER AT BAINBRIDGE, GA | flow 1,790 ft³/s · quality 100 % (3) · no flooding | 32 km |
| OCHLOCKONEE RIVER AT GA 188, NEAR COOLIDGE, GA | flow 48.9 ft³/s · no flooding | 32 km |
| Carr Lake at Cedar Hill Landing Park (in NAVD88) | no readings | 33 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 #
87 wells in 2 named aquifers: Floridan aquifer system, Intermediate aquifer system
Sites found: 87, 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-305235084125101 | depth 143.4 ft · 2026-10-05 | 3 km |
| Floridan aquifer system | depth 194.9 ft · 1975-01-22 | 26 km |
| Intermediate aquifer system | depth 6.54 ft · 1973-12-28 | 29 km |
| Floridan aquifer system | depth 51.4 ft · 1982-09-29 | 29 km |
| USGS-310507084262201 | depth 60.0 ft · 2026-10-05 | 30 km |
| USGS-310830084215501 | depth 31.8 ft · 1984-09-29 | 32 km |
| USGS-310913084195301 | depth 36.2 ft · 2007-02-12 | 32 km |
| USGS-310428084310502 | depth 55.0 ft · 1984-09-09 | 34 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 + 0.2×0.04 / 0.55
Banks & federal dollars #
$559.6 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,899, highly concentrated. $153.6 m federal obligations in FY2026 (direct payments $150.7 m, grants $2.4 m), $28,521 per covered job
| Item | Value | Distance |
|---|---|---|
| United National Bank | $255.9 m · 45.7% share · 1 office | |
| Ameris Bank | $114.9 m · 20.5% share · 1 office | |
| Capital City Bank | $75.0 m · 13.4% share · 1 office | |
| Grady, GA | $153.6 m FY2026 · $28,521/job | |
| MULTIPLE RECIPIENTS | $137.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United National Bank | $255,918,000 | 45.7% | 1 |
| Ameris Bank | $114,878,000 | 20.5% | 1 |
| Capital City Bank | $75,000,000 | 13.4% | 1 |
| Bank OZK | $57,372,000 | 10.3% | 1 |
| First National Bank of Decatur County | $56,464,000 | 10.1% | 1 |
Deposit concentration is 2,899 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 45.7² + 20.5² + 13.4² + … (2 more) = 2,899
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 | $120,603,375 |
| Department of Veterans Affairs | $16,280,882 |
| Department of Agriculture | $11,373,044 |
| Department of Housing and Urban Development | $2,477,699 |
| Federal Communications Commission | $914,878 |
| Department of Education | $520,131 |
| Department of Homeland Security | $451,962 |
| Department of Transportation | $394,473 |
| Railroad Retirement Board | $379,520 |
| Department of Health and Human Services | $187,569 |
| Department of the Interior | $31,825 |
| Small Business Administration | $4,725 |
That is $28,521 per covered job, against 5,386 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $153.6 m / 5,386 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,521
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 | 2026-10-06 | +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 #
Grady County, GA: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertGrady County, GA's covered employment is -7.9% 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 = -7.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchGrady County, GA's covered employment is -7.9% 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 = -7.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchGrady County, GA's average weekly wage is -2.1% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -2.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteGrady County, GA's covered employment was 7.9% 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
- -7.9 % = 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
noteGrady County, GA's average weekly wage was 2.1% 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
- -2.1 % = 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
Read all 11 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.