McDuffie County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.48, -82.48.
Assembled 2026-10-06. Read the brief.
- 37th pct · 1,915th of 3,063 US counties · median $234,566
- 45th pct · 87th of 159 Georgia counties · median $219,820
- 33rd pct · 5th of 7 counties in the Augusta-Richmond County metro · median $246,304
- 67th pct · 996th of 3,063 US counties · median +2.9%
- 68th pct · 50th of 159 Georgia counties · median +2.6%
- 66th pct · 3rd of 7 counties in the Augusta-Richmond County metro · median +3.3%
- US counties: not published this period
- Georgia counties: not published this period
- counties in the Augusta-Richmond County metro: not published this period
- 47th pct · 1,696th of 3,221 US counties · median 8,232
- 51st pct · 77th of 159 Georgia counties · median 7,095
- 33rd pct · 5th of 7 counties in the Augusta-Richmond County metro · median 7,442
- 19th pct · 2,580th of 3,221 US counties · median $1,039
- 28th pct · 113th of 159 Georgia counties · median $964
- 16th pct · 6th of 7 counties in the Augusta-Richmond County metro · median $1,053
- 50th pct · 1,532nd of 3,063 US counties · median 4.3
- 49th pct · 81st of 159 Georgia counties · median 4.3
- 50th pct · 4th of 7 counties in the Augusta-Richmond County metro · 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 $201,507 (Aug 2026), +4.5% over one year, +29.1% over five
- 37th pct · 1,915th of 3,063 US counties · median $234,566
- 45th pct · 87th of 159 Georgia counties · median $219,820
- 33rd pct · 5th of 7 counties in the Augusta-Richmond County metro · median $246,304
| Item | Value | Distance |
|---|---|---|
| McDuffie County, GA | $201,507 · +4.5% 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 #
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
- counties in the Augusta-Richmond County metro: 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 $1,103 a month on $201,507 at 7.28%, against an average weekly wage worth $3,913 a month: 28.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $201,507 × 80% = $161,206, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,103/mo principal and interest
- wage share = payment / (avg weekly wage $903 × 52 / 12 = $3,913) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $201,507 / ($903 × 52) = 4.3
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 #
7,420 jobs at 496 employers (2026 Q1); +6.1% jobs and +3.7% average weekly wage over the year
- 47th pct · 1,696th of 3,221 US counties · median 8,232
- 51st pct · 77th of 159 Georgia counties · median 7,095
- 33rd pct · 5th of 7 counties in the Augusta-Richmond County metro · median 7,442
| Item | Value | Distance |
|---|---|---|
| McDuffie County, GA | 7,420 jobs · $903/wk · +6.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,680 | $1,127 | 2.81 | -3.8% |
| Retail trade | 919 | $693 | 1.27 | -0.3% |
| Accommodation and food services | 739 | $364 | 1.11 | +0.0% |
| Transportation and warehousing | 572 | $1,001 | 1.83 | +13.0% |
| Construction | 414 | $1,180 | 1.06 | +7.5% |
| Other services | 188 | $926 | 0.85 | +1.6% |
| Administrative and waste services | 157 | $508 | 0.37 | +170.7% |
| Professional and technical services | 152 | $975 | 0.30 | +7.8% |
| Finance and insurance | 132 | $1,318 | 0.44 | +13.8% |
| Arts, entertainment and recreation | 54 | $497 | 0.44 | +0.0% |
| Real estate and rental | 29 | $906 | 0.25 | -14.7% |
| Unclassified | 20 | $1,223 | 1.27 | +122.2% |
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 #
D1 moderate 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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$446.6 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 1,855, highly concentrated. $146.9 m federal obligations in FY2026 (direct payments $144.3 m, grants $2.5 m), $19,795 per covered job
| Item | Value | Distance |
|---|---|---|
| First-Citizens Bank & Trust Company | $102.4 m · 22.9% share · 1 office | |
| Queensborough National Bank & Trust Company | $85.9 m · 19.2% share · 1 office | |
| The Huntington National Bank | $82.6 m · 18.5% share · 1 office | |
| McDuffie, GA | $146.9 m FY2026 · $19,795/job | |
| MULTIPLE RECIPIENTS | $143.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First-Citizens Bank & Trust Company | $102,358,000 | 22.9% | 1 |
| Queensborough National Bank & Trust Company | $85,854,000 | 19.2% | 1 |
| The Huntington National Bank | $82,561,000 | 18.5% | 1 |
| Regions Bank | $78,673,000 | 17.6% | 1 |
| Truist Bank | $75,398,000 | 16.9% | 1 |
| Farmers State Bank | $21,796,000 | 4.9% | 1 |
Deposit concentration is 1,855 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 = 22.9² + 19.2² + 18.5² + … (3 more) = 1,855
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 | $115,436,080 |
| Department of Veterans Affairs | $26,174,392 |
| Railroad Retirement Board | $1,755,632 |
| Department of Housing and Urban Development | $1,487,294 |
| Department of Transportation | $933,336 |
| Department of Agriculture | $907,046 |
| Department of Health and Human Services | $187,569 |
| Small Business Administration | $0 |
That is $19,795 per covered job, against 7,420 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $146.9 m / 7,420 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,795
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 #
McDuffie County, GA: 6 findings, 6 noted
noteMcDuffie County, GA's covered employment was 6.1% 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
- +6.1 % = 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
noteMcDuffie County, GA's average weekly wage was 3.7% 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
- +3.7 % = 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
noteMcDuffie County, GA's typical home value rose 0.3% from $200,935 in July 2026 to $201,507 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (201507.14991802172 - 200935.20988293234) / 200935.20988293234 × 100
- 201507.14991802172 = Zillow ZHVI, 2026-08
- 200935.20988293234 = Zillow ZHVI, 2026-07
noteMcDuffie County, GA's covered employment of +6.1% ranks 146th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 95 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
noteMcDuffie County, GA's momentum index of 0.69 ranks 204th 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 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.