Habersham County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.63, -83.53.
Assembled 2026-10-06. Read the brief.
- 74th pct · 770th of 3,063 US counties · median $234,566
- 75th pct · 39th of 159 Georgia counties · median $219,820
- 43rd pct · 1,739th of 3,063 US counties · median +2.9%
- 45th pct · 87th of 159 Georgia counties · median +2.6%
- 50th pct · 690th of 1,399 US counties · median $1,496
- 38th pct · 45th of 72 Georgia counties · median $1,651
- 66th pct · 1,092nd of 3,221 US counties · median 8,232
- 70th pct · 47th of 159 Georgia counties · median 7,095
- 52nd pct · 1,525th of 3,221 US counties · median $1,039
- 66th pct · 54th of 159 Georgia counties · median $964
- 78th pct · 662nd of 3,063 US counties · median 4.3
- 77th pct · 36th 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 $324,902 (Aug 2026), +2.4% over one year, +36.4% over five
- 74th pct · 770th of 3,063 US counties · median $234,566
- 75th pct · 39th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Habersham County, GA | $324,902 · +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 #
Typical rent $1,504/mo (Aug 2026), n/a over one year; price-to-rent 18.0
- 50th pct · 690th of 1,399 US counties · median $1,496
- 38th pct · 45th of 72 Georgia counties · median $1,651
| Item | Value | Distance |
|---|---|---|
| Habersham County, GA | $1,504/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 $1,778 a month on $324,902 at 7.28%, against an average weekly wage worth $4,550 a month: 39.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $324,902 × 80% = $259,922, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,778/mo principal and interest
- wage share = payment / (avg weekly wage $1,050 × 52 / 12 = $4,550) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $324,902 / ($1,050 × 52) = 6.0
- price-to-rent = $324,902 / ($1,504 × 12) = 18.0
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 #
15,899 jobs at 1,180 employers (2026 Q1); +1.4% jobs and +3.1% average weekly wage over the year
- 66th pct · 1,092nd of 3,221 US counties · median 8,232
- 70th pct · 47th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Habersham County, GA | 15,899 jobs · $1,050/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,147 | $1,406 | 3.24 | +3.3% |
| Retail trade | 2,125 | $592 | 1.37 | +1.6% |
| Accommodation and food services | 1,849 | $419 | 1.29 | +3.9% |
| Health care and social assistance | 1,253 | $1,258 | 0.52 | +3.3% |
| Administrative and waste services | 752 | $864 | 0.83 | -9.4% |
| Educational services | 559 | $926 | 1.63 | +1.1% |
| Wholesale trade | 434 | $1,217 | 0.71 | +2.6% |
| Construction | 392 | $1,068 | 0.47 | -2.7% |
| Transportation and warehousing | 329 | $1,056 | 0.49 | +11.9% |
| Finance and insurance | 276 | $1,446 | 0.43 | +0.0% |
| Other services | 271 | $899 | 0.57 | -0.4% |
| Utilities | 201 | $2,581 | 3.20 | +4.1% |
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 #
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 |
|---|---|---|
| HARTWELL LAKE NEAR ANDERSON, SC | 649.1 ft (USGS, no capacity on file) | 63 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 73 km |
| RUSSELL LAKE ABOVE CALHOUN FALLS, SC | 473.0 ft (USGS, no capacity on file) | 102 km |
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 103 km |
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 105 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 40.0 ft (USGS, no capacity on file) | 107 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 731.7 ft (USGS, no capacity on file) | 107 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.2 ft (USGS, no capacity on file) | 108 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 #
52 gauges · 0 flooding · 14 with quality panels averaging 95 % · 11 stale
Sites found: 52, 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 |
|---|---|---|
| SOQUE RIVER AT GA 197, NEAR CLARKESVILLE, GA | flow 61.9 ft³/s | 2 km |
| CHATTAHOOCHEE RIVER NEAR LEAF, GA | flow 129.0 ft³/s | 12 km |
| CHATTAHOOCHEE RIVER NEAR CORNELIA, GA | flow 272.0 ft³/s | 14 km |
| TALLULAH R AT TERRORA PWRHSE, NR TALLULAH FALLS,GA | flow 30.9 ft³/s · quality 100 % (1) | 17 km |
| TALLULAH RIVER AB POWERHOUSE, NR TALLULAH FALLS,GA | flow 38.6 ft³/s | 18 km |
| TIGER CREEK NEAR LAKEMONT, GA | flow 19.5 ft³/s | 20 km |
| CHATTAHOOCHEE RIVER AT HELEN, GA | flow 49.8 ft³/s · quality 100 % (1) | 20 km |
| USGS-03544947 | flow 0.87 ft³/s · STALE | 28 km |
| CHATTOOGA RIVER NEAR CLAYTON, GA | flow 179.0 ft³/s | 28 km |
| TALLULAH RIVER NEAR CLAYTON, GA | flow 44.0 ft³/s | 28 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-344314083433201 | depth 6.22 ft · 2026-10-05 | 21 km |
| USGS-345051083041800 | depth 30.9 ft · 2026-10-05 | 48 km |
| USGS-341020083201701 | depth 13.3 ft · 2002-04-25 | 54 km |
| USGS-342125084083301 | depth 30.6 ft · 2026-07-10 | 64 km |
| USGS-351117083545001 | depth 27.7 ft · 2009-10-04 | 71 km |
| USGS-351121083545002 | depth 6.77 ft · 2026-10-05 | 71 km |
| USGS-340224083125101 | depth 32.0 ft · 2006-12-03 | 72 km |
| USGS-340204083132601 | depth 17.3 ft · 2026-10-05 | 72 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.05 / 0.55
Banks & federal dollars #
$1.3 bn in deposits at 11 offices of 6 banks (SOD June 2026); HHI 2,149, highly concentrated. $307.0 m federal obligations in FY2026 (direct payments $295.7 m, grants $10.3 m), $19,312 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $386.0 m · 29.2% share · 2 offices | |
| SouthState Bank, National Association | $373.8 m · 28.3% share · 3 offices | |
| Bank OZK | $213.3 m · 16.1% share · 1 office | |
| Habersham, GA | $307.0 m FY2026 · $19,312/job | |
| MULTIPLE RECIPIENTS | $283.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $386,035,000 | 29.2% | 2 |
| SouthState Bank, National Association | $373,817,000 | 28.3% | 3 |
| Bank OZK | $213,301,000 | 16.1% | 1 |
| Vallant Bank | $145,277,000 | 11.0% | 2 |
| Regions Bank | $103,272,000 | 7.8% | 1 |
| Rabun County Bank | $101,458,000 | 7.7% | 2 |
Deposit concentration is 2,149 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 29.2² + 28.3² + 16.1² + … (3 more) = 2,149
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 | $251,728,211 |
| Department of Veterans Affairs | $30,994,539 |
| Department of Education | $10,531,389 |
| Department of Transportation | $8,787,602 |
| Department of Agriculture | $1,755,970 |
| Federal Communications Commission | $1,186,775 |
| Railroad Retirement Board | $1,162,809 |
| Department of Health and Human Services | $703,792 |
| Institute of Museum and Library Services | $194,648 |
| Small Business Administration | $0 |
That is $19,312 per covered job, against 15,899 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $307.0 m / 15,899 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,312
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 #
Habersham County, GA: 5 findings, 5 noted
noteHabersham County, GA's average weekly wage was 3.1% 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
- +3.1 % = 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
noteHabersham County, GA's covered employment was 1.4% 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
- +1.4 % = 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
noteHabersham County, GA's typical home value rose 0.3% from $324,061 in July 2026 to $324,902 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (324902.3298721661 - 324060.95577689656) / 324060.95577689656 × 100
- 324902.3298721661 = Zillow ZHVI, 2026-08
- 324060.95577689656 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Habersham 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 Habersham 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.