Hart County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.35, -82.96.
Assembled 2026-10-06. Read the brief.
- 72nd pct · 851st of 3,063 US counties · median $234,566
- 73rd pct · 43rd of 159 Georgia counties · median $219,820
- 35th pct · 1,986th of 3,063 US counties · median +2.9%
- 33rd pct · 106th of 159 Georgia counties · median +2.6%
- 46th pct · 748th of 1,399 US counties · median $1,496
- 35th pct · 47th of 72 Georgia counties · median $1,651
- 51st pct · 1,548th of 3,221 US counties · median 8,232
- 62nd pct · 61st of 159 Georgia counties · median 7,095
- 57th pct · 1,353rd of 3,221 US counties · median $1,039
- 71st pct · 46th of 159 Georgia counties · median $964
- 73rd pct · 811th of 3,063 US counties · median 4.3
- 74th pct · 42nd 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 $313,469 (Aug 2026), +1.6% over one year, +20.9% over five
- 72nd pct · 851st of 3,063 US counties · median $234,566
- 73rd pct · 43rd of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Hart County, GA | $313,469 · +1.6% 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 #
Typical rent $1,463/mo (Aug 2026), n/a over one year; price-to-rent 17.9
- 46th pct · 748th of 1,399 US counties · median $1,496
- 35th pct · 47th of 72 Georgia counties · median $1,651
| Item | Value | Distance |
|---|---|---|
| Hart County, GA | $1,463/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 $1,716 a month on $313,469 at 7.28%, against an average weekly wage worth $4,667 a month: 36.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $313,469 × 80% = $250,775, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,716/mo principal and interest
- wage share = payment / (avg weekly wage $1,077 × 52 / 12 = $4,667) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $313,469 / ($1,077 × 52) = 5.6
- price-to-rent = $313,469 / ($1,463 × 12) = 17.9
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 #
8,753 jobs at 615 employers (2026 Q1); +7.6% jobs and +8.2% average weekly wage over the year
- 51st pct · 1,548th of 3,221 US counties · median 8,232
- 62nd pct · 61st of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Hart County, GA | 8,753 jobs · $1,077/wk · +7.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,393 | $1,383 | 4.82 | +18.1% |
| Retail trade | 1,072 | $536 | 1.26 | +2.3% |
| Accommodation and food services | 715 | $375 | 0.91 | -6.2% |
| Health care and social assistance | 495 | $1,064 | 0.38 | -1.6% |
| Administrative and waste services | 408 | $1,028 | 0.82 | +25.9% |
| Construction | 387 | $983 | 0.84 | +0.0% |
| Agriculture, forestry, fishing | 249 | $933 | 3.94 | +5.5% |
| Finance and insurance | 146 | $2,674 | 0.41 | +5.0% |
| Utilities | 129 | $2,270 | 3.73 | -3.0% |
| Arts, entertainment and recreation | 99 | $379 | 0.69 | +1.0% |
| Wholesale trade | 59 | $812 | 0.18 | +25.5% |
| Real estate and rental | 47 | $858 | 0.35 | -6.0% |
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 #
D2 severe 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 #
13 USGS reservoir gauges, no capacity figures to weight
Sites found: 13, 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) | 20 km |
| RUSSELL LAKE ABOVE CALHOUN FALLS, SC | 473.0 ft (USGS, no capacity on file) | 42 km |
| THURMOND LAKE NEAR PLUM BRANCH, SC | 320.0 ft (USGS, no capacity on file) | 80 km |
| LAKE GREENWOOD NEAR CHAPPELLS, SC | 438.9 ft (USGS, no capacity on file) | 99 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 104 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 731.7 ft (USGS, no capacity on file) | 113 km |
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 119 km |
| LAKE WILLIAM C. BOWEN NEAR FINGERVILLE, SC | 815.4 ft (USGS, no capacity on file) | 120 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 #
61 gauges · 0 flooding · 6 with quality panels averaging 98 % · 11 stale
Sites found: 61, 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 |
|---|---|---|
| Savannah River at Hartwell Dam | observation not current | 13 km |
| SAVANNAH RIVER BELOW HARTWELL LK NR HARTWELL, GA | flow 11.0 ft³/s · STALE | 14 km |
| BEAVERDAM CREEK ABOVE ELBERTON, GA | flow 10.0 ft³/s · no flooding | 21 km |
| BROAD RIVER ABOVE CARLTON, GA | flow 169.0 ft³/s · no flooding | 31 km |
| CONEROSS CK NR SENECA, SC | flow 40.8 ft³/s | 34 km |
| SOUTH FORK BROAD RIVER AT CARLTON, GA | flow 104.0 ft³/s · out of service · STALE | 36 km |
| ROCKY RIVER NR STARR, SC | flow 14.2 ft³/s · no flooding | 36 km |
| EIGHTEENMILE CREEK BELOW PENDLETON, SC | flow 30.3 ft³/s · no flooding | 36 km |
| EIGHTEENMILE CREEK ABOVE PENDLETON, SC | flow 35.0 ft³/s · STALE | 38 km |
| CLOUDS CREEK AT WATSON MILL PARK NR CARLTON, GA | flow 16.1 ft³/s · quality 100 % (1) · out of service · STALE | 38 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 | 40 km |
| USGS-340224083125101 | depth 32.0 ft · 2006-12-03 | 41 km |
| USGS-340204083132601 | depth 17.3 ft · 2026-10-05 | 42 km |
| USGS-343714082285600 | depth 3.91 ft · 2026-10-05 | 54 km |
| USGS-345051083041800 | depth 30.9 ft · 2026-10-05 | 56 km |
| USGS-335336082214600 | depth 38.4 ft · 2026-10-05 | 75 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.02 / 0.55
Banks & federal dollars #
$566.4 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,309, highly concentrated. $209.6 m federal obligations in FY2026 (direct payments $190.9 m, contracts $16.1 m), $23,945 per covered job
| Item | Value | Distance |
|---|---|---|
| Vallant Bank | $176.3 m · 31.1% share · 1 office | |
| Pinnacle Bank | $152.2 m · 26.9% share · 1 office | |
| Northeast Georgia Bank | $104.6 m · 18.5% share · 1 office | |
| Hart, GA | $209.6 m FY2026 · $23,945/job | |
| MULTIPLE RECIPIENTS | $189.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Vallant Bank | $176,281,000 | 31.1% | 1 |
| Pinnacle Bank | $152,199,000 | 26.9% | 1 |
| Northeast Georgia Bank | $104,578,000 | 18.5% | 1 |
| First-Citizens Bank & Trust Company | $67,063,000 | 11.8% | 1 |
| SouthState Bank, National Association | $66,232,000 | 11.7% | 1 |
Deposit concentration is 2,309 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 = 31.1² + 26.9² + 18.5² + … (2 more) = 2,309
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 | $175,501,742 |
| Department of Defense | $16,081,190 |
| Department of Veterans Affairs | $13,500,689 |
| Department of Agriculture | $1,362,243 |
| Department of Transportation | $1,358,806 |
| Department of Housing and Urban Development | $934,607 |
| Railroad Retirement Board | $484,343 |
| Federal Communications Commission | $335,003 |
| Department of Commerce | $34,895 |
That is $23,945 per covered job, against 8,753 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $209.6 m / 8,753 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,945
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 #
Hart County, GA: 8 findings, 8 noted
noteHart County, GA's average weekly wage was 8.2% 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
- +8.2 % = 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
noteHart County, GA's covered employment was 7.6% 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
- +7.6 % = 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
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Hart County, GA could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteHart County, GA's covered employment of +7.6% ranks 99th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteHart County, GA's momentum index of 0.70 ranks 190th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
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.