Irwin County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.60, -83.28.
Assembled 2026-10-06. Read the brief.
- 16th pct · 2,546th of 3,063 US counties · median $234,566
- 18th pct · 129th of 159 Georgia counties · median $219,820
- 47th pct · 1,597th of 3,063 US counties · median +2.9%
- 51st pct · 78th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 17th pct · 2,673rd of 3,221 US counties · median 8,232
- 20th pct · 127th of 159 Georgia counties · median 7,095
- 12th pct · 2,814th of 3,221 US counties · median $1,039
- 15th pct · 135th of 159 Georgia counties · median $964
- 30th pct · 2,141st of 3,063 US counties · median 4.3
- 30th pct · 111th 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 $152,888 (Aug 2026), +2.7% over one year, +16.5% over five
- 16th pct · 2,546th of 3,063 US counties · median $234,566
- 18th pct · 129th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Irwin County, GA | $152,888 · +2.7% 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 $837 a month on $152,888 at 7.28%, against an average weekly wage worth $3,714 a month: 22.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $152,888 × 80% = $122,310, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $837/mo principal and interest
- wage share = payment / (avg weekly wage $857 × 52 / 12 = $3,714) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $152,888 / ($857 × 52) = 3.4
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 #
2,091 jobs at 160 employers (2026 Q1); +8.1% jobs and +1.8% average weekly wage over the year
- 17th pct · 2,673rd of 3,221 US counties · median 8,232
- 20th pct · 127th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Irwin County, GA | 2,091 jobs · $857/wk · +8.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 234 | $901 | 2.13 | +0.0% |
| Retail trade | 190 | $589 | 0.93 | +4.4% |
| Manufacturing | 145 | $987 | 0.86 | +0.0% |
| Agriculture, forestry, fishing | 106 | $648 | 7.02 | +8.2% |
| Wholesale trade | 58 | $1,046 | 0.72 | +7.4% |
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
15 gauges · 0 flooding · 3 with quality panels averaging 100 % · 1 stale
Sites found: 15, 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 |
|---|---|---|
| ALAPAHA RIVER AT GA 125/32 NEAR IRWINVILLE, GA | flow 245.0 ft³/s · no flooding | 14 km |
| ALAPAHA RIVER NEAR ALAPAHA, GA | flow 477.0 ft³/s · no flooding | 26 km |
| LITTLE RIVER AT UPPER TY TY ROAD, NEAR TIFTON, GA | flow 1.07 ft³/s · quality 100 % (1) · out of service · STALE | 32 km |
| OCMULGEE RIVER AT ABBEVILLE, GA | flow 1,050 ft³/s · quality 100 % (1) · no flooding | 44 km |
| TURNPIKE CREEK NEAR MCRAE, GA | flow 204.0 ft³/s · no flooding | 55 km |
| LITTLE RIVER NEAR ADEL, GA | flow 1,150 ft³/s · no flooding | 56 km |
| LITTLE OCMULGEE RIVER AT GA 149, AT SCOTLAND, GA | flow 35.1 ft³/s · no flooding | 66 km |
| OCMULGEE RIVER AT LUMBER CITY, GA | flow 1,530 ft³/s · quality 100 % (1) · no flooding | 67 km |
| Flint River (GA) at Lake Blackshear | no flooding | 68 km |
| LITTLE RIVER AT GA 122, NEAR HAHIRA, GA | flow 402.0 ft³/s · no flooding | 69 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 #
23 wells in 0 named aquifers:
Sites found: 23, 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-312711083293101 | depth 129.5 ft · 2026-08-09 | 26 km |
| USGS-312711083293102 | depth 38.6 ft · 2009-07-28 | 26 km |
| USGS-312712082593301 | depth 144.4 ft · 2026-10-05 | 26 km |
| USGS-312716083304801 | depth 142.3 ft · 1986-11-19 | 28 km |
| USGS-313146083491601 | depth 223.2 ft · 2026-10-05 | 52 km |
| USGS-310813083260301 | depth 184.5 ft · 2026-10-05 | 54 km |
| USGS-314829083501101 | depth 26.7 ft · 2003-10-14 | 58 km |
| USGS-313247084005001 | depth 63.2 ft · 2026-10-05 | 70 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$135.0 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,102, highly concentrated. $66.3 m federal obligations in FY2026 (direct payments $61.2 m, grants $4.8 m), $31,729 per covered job
| Item | Value | Distance |
|---|---|---|
| Ameris Bank | $66.6 m · 49.4% share · 1 office | |
| Planters First Bank | $52.9 m · 39.2% share · 1 office | |
| Community Banking Company | $15.5 m · 11.5% share · 1 office | |
| Irwin, GA | $66.3 m FY2026 · $31,729/job | |
| MULTIPLE RECIPIENTS | $50.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Ameris Bank | $66,629,000 | 49.4% | 1 |
| Planters First Bank | $52,875,000 | 39.2% | 1 |
| Community Banking Company | $15,500,000 | 11.5% | 1 |
Deposit concentration is 4,102 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 49.4² + 39.2² + 11.5² = 4,102
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 | $44,112,528 |
| Department of Agriculture | $11,502,238 |
| Department of Veterans Affairs | $4,814,587 |
| Department of Health and Human Services | $2,287,789 |
| Department of Transportation | $1,354,678 |
| Railroad Retirement Board | $1,128,014 |
| Department of Housing and Urban Development | $1,054,561 |
| Federal Communications Commission | $90,901 |
That is $31,729 per covered job, against 2,091 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $66.3 m / 2,091 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,729
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 #
Irwin County, GA: 6 findings, 6 noted
noteIrwin County, GA's covered employment was 8.1% 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
- +8.1 % = 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
noteIrwin County, GA's average weekly wage was 1.8% 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
- +1.8 % = 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
noteIrwin County, GA's typical home value rose 1.2% from $151,057 in July 2026 to $152,888 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.2% = (152888.1085248749 - 151056.8043303082) / 151056.8043303082 × 100
- 152888.1085248749 = Zillow ZHVI, 2026-08
- 151056.8043303082 = Zillow ZHVI, 2026-07
noteIrwin County, GA's covered employment of +8.1% ranks 87th 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
noteIrwin County, GA's covered employment of +8.1% ranks 11th of 159 Georgia counties, against a median of +0.3%.
Period 2026 Q1.Show the arithmetic
- 93 on the 0-to-100 scale across 159 Georgia counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 6 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.