Lumpkin County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.57, -84.00.
Assembled 2026-10-06. Read the brief.
- 84th pct · 462nd of 3,063 US counties · median $234,566
- 88th pct · 19th of 159 Georgia counties · median $219,820
- 67th pct · 10th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $342,031
- 32nd pct · 2,073rd of 3,063 US counties · median +2.9%
- 29th pct · 112th of 159 Georgia counties · median +2.6%
- 75th pct · 8th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median -0.4%
- 59th pct · 561st of 1,399 US counties · median $1,496
- 45th pct · 40th of 72 Georgia counties · median $1,651
- 12th pct · 22nd of 25 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,809
- 51st pct · 1,554th of 3,221 US counties · median 8,232
- 60th pct · 63rd of 159 Georgia counties · median 7,095
- 17th pct · 24th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
- 27th pct · 2,333rd of 3,221 US counties · median $1,039
- 40th pct · 94th of 159 Georgia counties · median $964
- 7th pct · 27th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,138
- 92nd pct · 219th of 3,063 US counties · median 4.3
- 94th pct · 10th of 159 Georgia counties · median 4.3
- 89th pct · 4th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 5.7
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 $391,466 (Aug 2026), +1.3% over one year, +28.8% over five
- 84th pct · 462nd of 3,063 US counties · median $234,566
- 88th pct · 19th of 159 Georgia counties · median $219,820
- 67th pct · 10th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $342,031
| Item | Value | Distance |
|---|---|---|
| Lumpkin County, GA | $391,466 · +1.3% 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 $1,617/mo (Aug 2026), n/a over one year; price-to-rent 20.2
- 59th pct · 561st of 1,399 US counties · median $1,496
- 45th pct · 40th of 72 Georgia counties · median $1,651
- 12th pct · 22nd of 25 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,809
| Item | Value | Distance |
|---|---|---|
| Lumpkin County, GA | $1,617/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 $2,143 a month on $391,466 at 7.28%, against an average weekly wage worth $4,078 a month: 52.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $391,466 × 80% = $313,173, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,143/mo principal and interest
- wage share = payment / (avg weekly wage $941 × 52 / 12 = $4,078) = 53% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $391,466 / ($941 × 52) = 8.0
- price-to-rent = $391,466 / ($1,617 × 12) = 20.2
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 #
8,710 jobs at 775 employers (2026 Q1); -0.9% jobs and -2.5% average weekly wage over the year
- 51st pct · 1,554th of 3,221 US counties · median 8,232
- 60th pct · 63rd of 159 Georgia counties · median 7,095
- 17th pct · 24th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
| Item | Value | Distance |
|---|---|---|
| Lumpkin County, GA | 8,710 jobs · $941/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,392 | $429 | 1.78 | -2.5% |
| Retail trade | 1,005 | $646 | 1.18 | -1.5% |
| Health care and social assistance | 855 | $1,095 | 0.65 | +1.3% |
| Construction | 716 | $1,220 | 1.57 | -20.9% |
| Manufacturing | 635 | $1,086 | 0.91 | +5.7% |
| Professional and technical services | 219 | $928 | 0.36 | +1.9% |
| Other services | 211 | $605 | 0.81 | +11.1% |
| Wholesale trade | 169 | $1,364 | 0.51 | +5.6% |
| Arts, entertainment and recreation | 139 | $703 | 0.97 | +4.5% |
| Finance and insurance | 112 | $1,534 | 0.32 | +1.8% |
| Transportation and warehousing | 100 | $818 | 0.27 | +12.4% |
| Real estate and rental | 75 | $678 | 0.56 | -5.1% |
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 #
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 |
|---|---|---|
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 46 km |
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 62 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 40.0 ft (USGS, no capacity on file) | 64 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.2 ft (USGS, no capacity on file) | 75 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 835.9 ft (USGS, no capacity on file) | 81 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 731.7 ft (USGS, no capacity on file) | 93 km |
| HARTWELL LAKE NEAR ANDERSON, SC | 649.1 ft (USGS, no capacity on file) | 105 km |
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 137 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 #
117 gauges · 0 flooding · 33 with quality panels averaging 98 % · 12 stale
Sites found: 117, 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 |
|---|---|---|
| CHESTATEE RIVER NEAR DAHLONEGA, GA | flow 106.0 ft³/s · quality 100 % (1) · no flooding | 7 km |
| ETOWAH RIVER NEAR DAHLONEGA, GA | flow 260.0 ft³/s · STALE | 8 km |
| ETOWAH RIVER AT GA 136, NEAR LANDDRUM, GA | flow 95.3 ft³/s · quality 83 % (3) · no flooding | 18 km |
| RUSSELL CRK 0.3 MI DS HEAD LAKE NR DAWSONVILLE, GA | stage 0.47 ft · quality 90 % (5) · no flooding | 20 km |
| ETOWAH RIVER 0.2 MI DS GA 53, NR DAWSONVILLE, GA | flow 121.0 ft³/s · no flooding | 22 km |
| WEST FORK LITTLE RIVER NEAR CLERMONT, GA | flow 17.0 ft³/s · STALE | 24 km |
| AMICALOLA CREEK NEAR DAWSONVILLE, GA. | flow 85.4 ft³/s · no flooding | 25 km |
| ETOWAH RIVER AT GA 9, NEAR DAWSONVILLE, GA | flow 115.0 ft³/s · quality 83 % (3) · no flooding | 26 km |
| CHATTAHOOCHEE RIVER AT HELEN, GA | flow 49.8 ft³/s · quality 100 % (1) · no flooding | 29 km |
| ETOWAH RIVER AT KELLY BRIDGE ROAD, NEAR MATT, GA | flow 276.0 ft³/s · quality 100 % (1) · no flooding | 31 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 #
41 wells in 0 named aquifers:
Sites found: 41, 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-342125084083301 | depth 30.6 ft · 2026-07-10 | 27 km |
| USGS-344314083433201 | depth 6.22 ft · 2026-10-05 | 30 km |
| USGS-341913084325301 | depth -1.05 ft · 2008-04-29 | 57 km |
| USGS-340049083551101 | depth 85.8 ft · 2011-06-01 | 62 km |
| USGS-335905083565102 | depth 13.6 ft · 2008-02-24 | 65 km |
| USGS-335905083565101 | depth 13.9 ft · 2008-02-24 | 65 km |
| USGS-335902083565901 | depth -14.1 ft · 2001-10-09 | 65 km |
| USGS-335839083572301 | depth 31.9 ft · 2006-10-25 | 66 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$696.6 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 2,211, highly concentrated. $262.3 m federal obligations in FY2026 (direct payments $250.8 m, grants $9.5 m), $30,116 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $233.3 m · 33.5% share · 1 office | |
| Bank OZK | $148.8 m · 21.4% share · 1 office | |
| Truist Bank | $120.7 m · 17.3% share · 1 office | |
| Lumpkin, GA | $262.3 m FY2026 · $30,116/job | |
| MULTIPLE RECIPIENTS | $211.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $233,350,000 | 33.5% | 1 |
| Bank OZK | $148,771,000 | 21.4% | 1 |
| Truist Bank | $120,655,000 | 17.3% | 1 |
| Wells Fargo Bank, National Association | $111,904,000 | 16.1% | 1 |
| First Horizon Bank | $52,676,000 | 7.6% | 1 |
| Vallant Bank | $29,242,000 | 4.2% | 1 |
Deposit concentration is 2,211 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 = 33.5² + 21.4² + 17.3² + … (3 more) = 2,211
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 | $186,394,024 |
| Department of Education | $38,708,172 |
| Department of Veterans Affairs | $24,656,142 |
| Department of Transportation | $7,897,035 |
| Department of Defense | $2,394,800 |
| Department of Agriculture | $1,034,182 |
| Railroad Retirement Board | $425,539 |
| Federal Communications Commission | $423,389 |
| National Science Foundation | $198,660 |
| Department of Housing and Urban Development | $179,382 |
| Small Business Administration | $0 |
That is $30,116 per covered job, against 8,710 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $262.3 m / 8,710 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,116
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 #
Lumpkin County, GA: 14 findings, 3 at a watch level and 11 noted
watchLumpkin County, GA's years of wages of 8.0 ranks 219th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 92.88047028086218 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchLumpkin County, GA's average weekly wage is -2.5% 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 = -2.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchLumpkin County, GA's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLumpkin County, GA's average weekly wage was 2.5% 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
- -2.5 % = 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
noteLumpkin County, GA's covered employment was 0.9% 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
- -0.9 % = 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.