Jefferson County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.06, -82.42.
Assembled 2026-10-06. Read the brief.
- 5th pct · 2,884th of 3,063 US counties · median $234,566
- 4th pct · 152nd of 159 Georgia counties · median $219,820
- 6th pct · 2,875th of 3,063 US counties · median +2.9%
- 1st pct · 157th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 36th pct · 2,041st of 3,221 US counties · median 8,232
- 41st pct · 93rd of 159 Georgia counties · median 7,095
- 42nd pct · 1,841st of 3,221 US counties · median $1,039
- 59th pct · 65th of 159 Georgia counties · median $964
- 6th pct · 2,868th of 3,063 US counties · median 4.3
- 5th pct · 151st 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 $117,179 (Aug 2026), -3.7% over one year, -5.6% over five
- 5th pct · 2,884th of 3,063 US counties · median $234,566
- 4th pct · 152nd of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Jefferson County, GA | $117,179 · -3.7% 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 $641 a month on $117,179 at 7.28%, against an average weekly wage worth $4,368 a month: 14.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $117,179 × 80% = $93,743, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $641/mo principal and interest
- wage share = payment / (avg weekly wage $1,008 × 52 / 12 = $4,368) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $117,179 / ($1,008 × 52) = 2.2
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 #
4,891 jobs at 407 employers (2026 Q1); +3.4% jobs and -0.7% average weekly wage over the year
- 36th pct · 2,041st of 3,221 US counties · median 8,232
- 41st pct · 93rd of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Jefferson County, GA | 4,891 jobs · $1,008/wk · +3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,096 | $1,153 | 2.79 | +9.5% |
| Retail trade | 618 | $499 | 1.30 | +0.0% |
| Construction | 222 | $966 | 0.87 | -5.1% |
| Wholesale trade | 144 | $859 | 0.77 | +4.3% |
| Administrative and waste services | 132 | $665 | 0.47 | -7.0% |
| Finance and insurance | 66 | $1,841 | 0.33 | -8.3% |
| Real estate and rental | 28 | $806 | 0.37 | -15.2% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | 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 #
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 #
$470.9 m in deposits at 7 offices of 3 banks (SOD June 2026); HHI 4,303, highly concentrated. $106.5 m federal obligations in FY2026 (direct payments $106.6 m, contracts $76,654), $21,775 per covered job
| Item | Value | Distance |
|---|---|---|
| Queensborough National Bank & Trust Company | $217.5 m · 46.2% share · 4 offices | |
| First State Bank | $216.2 m · 45.9% share · 2 offices | |
| Regions Bank | $37.2 m · 7.9% share · 1 office | |
| Jefferson, GA | $106.5 m FY2026 · $21,775/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Queensborough National Bank & Trust Company | $217,492,000 | 46.2% | 4 |
| First State Bank | $216,152,000 | 45.9% | 2 |
| Regions Bank | $37,210,000 | 7.9% | 1 |
Deposit concentration is 4,303 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 = 46.2² + 45.9² + 7.9² = 4,303
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 #
That is $21,775 per covered job, against 4,891 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $106.5 m / 4,891 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,775
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 #
Jefferson County, GA: 12 findings, 2 at a watch level and 10 noted
watchJefferson County, GA's typical home value is -3.7% 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 = -3.7251810921190036 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchJefferson County, GA's average weekly wage is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteJefferson County, GA's covered employment was 3.4% 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
- +3.4 % = 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
noteJefferson County, GA's typical home value fell 0.7% from $118,054 in July 2026 to $117,179 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.7% = (117179.05113976628 - 118053.53796611993) / 118053.53796611993 × 100
- 117179.05113976628 = Zillow ZHVI, 2026-08
- 118053.53796611993 = Zillow ZHVI, 2026-07
noteJefferson County, GA's average weekly wage was 0.7% 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
- -0.7 % = 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 12 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.