Liberty County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.81, -81.46.
Assembled 2026-10-06. Read the brief.
- 54th pct · 1,400th of 3,063 US counties · median $234,566
- 59th pct · 65th of 159 Georgia counties · median $219,820
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
- 17th pct · 2,527th of 3,063 US counties · median +2.9%
- 15th pct · 134th of 159 Georgia counties · median +2.6%
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
- 68th pct · 446th of 1,399 US counties · median $1,496
- 60th pct · 29th of 72 Georgia counties · median $1,651
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
- 70th pct · 957th of 3,221 US counties · median 8,232
- 75th pct · 40th of 159 Georgia counties · median 7,095
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
- 50th pct · 1,600th of 3,221 US counties · median $1,039
- 64th pct · 57th of 159 Georgia counties · median $964
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
- 55th pct · 1,365th of 3,063 US counties · median 4.3
- 60th pct · 64th of 159 Georgia counties · median 4.3
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
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 $245,871 (Aug 2026), -0.5% over one year, +43.6% over five
- 54th pct · 1,400th of 3,063 US counties · median $234,566
- 59th pct · 65th of 159 Georgia counties · median $219,820
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Liberty County, GA | $245,871 · -0.5% 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 $1,728/mo (Aug 2026), +4.0% over one year; price-to-rent 11.9
- 68th pct · 446th of 1,399 US counties · median $1,496
- 60th pct · 29th of 72 Georgia counties · median $1,651
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Liberty County, GA | $1,728/mo · +4.0% 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 $1,346 a month on $245,871 at 7.28%, against an average weekly wage worth $4,507 a month: 29.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $245,871 × 80% = $196,697, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,346/mo principal and interest
- wage share = payment / (avg weekly wage $1,040 × 52 / 12 = $4,507) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $245,871 / ($1,040 × 52) = 4.5
- price-to-rent = $245,871 / ($1,728 × 12) = 11.9
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 #
19,107 jobs at 1,111 employers (2026 Q1); -3.6% jobs and +1.5% average weekly wage over the year
- 70th pct · 957th of 3,221 US counties · median 8,232
- 75th pct · 40th of 159 Georgia counties · median 7,095
- counties in the Hinesville metro: Rank context is unavailable: the manifest lists 2 counties in the Hinesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Liberty County, GA | 19,107 jobs · $1,040/wk · -3.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,594 | $655 | 1.39 | +3.3% |
| Accommodation and food services | 2,415 | $420 | 1.41 | +1.5% |
| Manufacturing | 1,996 | $1,662 | 1.30 | -8.9% |
| Transportation and warehousing | 1,469 | $925 | 1.82 | -12.2% |
| Health care and social assistance | 1,106 | $918 | 0.38 | +2.4% |
| Administrative and waste services | 546 | $1,014 | 0.50 | -0.9% |
| Professional and technical services | 434 | $1,256 | 0.33 | -0.2% |
| Real estate and rental | 412 | $1,180 | 1.41 | +7.6% |
| Other services | 401 | $641 | 0.70 | -5.9% |
| Construction | 311 | $1,065 | 0.31 | +9.5% |
| Finance and insurance | 243 | $1,306 | 0.31 | +4.3% |
| Utilities | 234 | $1,762 | 3.10 | +13.6% |
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 #
$796.8 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 4,454, highly concentrated. $823.4 m federal obligations in FY2026 (direct payments $516.5 m, contracts $291.4 m), $43,094 per covered job
| Item | Value | Distance |
|---|---|---|
| Ameris Bank | $487.7 m · 61.2% share · 1 office | |
| Renasant Bank | $186.7 m · 23.4% share · 1 office | |
| Wells Fargo Bank, National Association | $99.3 m · 12.5% share · 1 office | |
| Liberty, GA | $823.4 m FY2026 · $43,094/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Ameris Bank | $487,679,000 | 61.2% | 1 |
| Renasant Bank | $186,704,000 | 23.4% | 1 |
| Wells Fargo Bank, National Association | $99,275,000 | 12.5% | 1 |
| South Georgia Bank | $13,109,000 | 1.6% | 1 |
| Queensborough National Bank & Trust Company | $9,555,000 | 1.2% | 1 |
| Southeastern Bank | $518,000 | 0.1% | 1 |
Deposit concentration is 4,454 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 = 61.2² + 23.4² + 12.5² + … (3 more) = 4,454
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 $43,094 per covered job, against 19,107 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $823.4 m / 19,107 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $43,094
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 #
Liberty County, GA: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertLiberty County, GA's covered employment is -3.6% 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 = -3.6 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchLiberty County, GA's covered employment is -3.6% 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 = -3.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLiberty County, GA's typical home value is -0.5% 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 = -0.49953870089338703 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteLiberty County, GA's covered employment was 3.6% 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
- -3.6 % = 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
noteLiberty County, GA's average weekly wage was 1.5% 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
- +1.5 % = 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.