Montgomery County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.17, -82.53.
Assembled 2026-10-06. Read the brief.
- 26th pct · 2,240th of 3,063 US counties · median $234,566
- 32nd pct · 108th of 159 Georgia counties · median $219,820
- 77th pct · 690th of 3,063 US counties · median +2.9%
- 74th pct · 42nd of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 12th pct · 2,805th of 3,221 US counties · median 8,232
- 14th pct · 136th of 159 Georgia counties · median 7,095
- 6th pct · 3,016th of 3,221 US counties · median $1,039
- 2nd pct · 155th of 159 Georgia counties · median $964
- 49th pct · 1,548th of 3,063 US counties · median 4.3
- 48th pct · 83rd 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 $177,106 (Aug 2026), +5.7% over one year, +18.3% over five
- 26th pct · 2,240th of 3,063 US counties · median $234,566
- 32nd pct · 108th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Montgomery County, GA | $177,106 · +5.7% 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 $969 a month on $177,106 at 7.28%, against an average weekly wage worth $3,458 a month: 28.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $177,106 × 80% = $141,685, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $969/mo principal and interest
- wage share = payment / (avg weekly wage $798 × 52 / 12 = $3,458) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $177,106 / ($798 × 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 #
1,649 jobs at 153 employers (2026 Q1); +7.3% jobs and +3.5% average weekly wage over the year
- 12th pct · 2,805th of 3,221 US counties · median 8,232
- 14th pct · 136th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Montgomery County, GA | 1,649 jobs · $798/wk · +7.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 222 | $838 | 2.57 | +416.3% |
| Retail trade | 138 | $547 | 0.86 | +13.1% |
| Transportation and warehousing | 115 | $802 | 1.65 | +3.6% |
| Wholesale trade | 108 | $1,051 | 1.71 | -12.9% |
| Accommodation and food services | 83 | $321 | 0.56 | -42.0% |
| Administrative and waste services | 78 | $1,029 | 0.83 | +2.6% |
| Manufacturing | 63 | $1,026 | 0.47 | -43.8% |
| Agriculture, forestry, fishing | 55 | $1,243 | 4.62 | -6.8% |
| Other services | 9 | $935 | 0.18 | +28.6% |
| Professional and technical services | 8 | $823 | 0.07 | -11.1% |
| Unclassified | 7 | $733 | 1.99 | +250.0% |
| Finance and insurance | 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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| BUTLER CREEK RESERVOIR AT FORT GORDON, GA | 27.5 ft (USGS, no capacity on file) | 145 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 #
12 gauges · 0 flooding · 2 with quality panels averaging 100 % · 1 stale
Sites found: 12, 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 |
|---|---|---|
| OCONEE RIVER NEAR MOUNT VERNON, GA | flow 648.0 ft³/s | 9 km |
| ALTAMAHA RIVER AT US 221, NR CHARLOTTEVILLE, GA | flow 2,860 ft³/s | 24 km |
| LITTLE OCMULGEE RIVER AT GA 149, AT SCOTLAND, GA | flow 35.1 ft³/s | 30 km |
| ALTAMAHA RIVER NEAR BAXLEY, GA | flow 3,310 ft³/s | 31 km |
| OCMULGEE RIVER AT LUMBER CITY, GA | flow 1,530 ft³/s · quality 100 % (1) | 31 km |
| OHOOPEE RIVER AT GA 297, NEAR SWAINSBORO, GA | flow 31.0 ft³/s | 33 km |
| OHOOPEE RIVER NEAR REIDSVILLE, GA | flow 191.0 ft³/s | 35 km |
| TURNPIKE CREEK NEAR MCRAE, GA | flow 204.0 ft³/s | 42 km |
| OCONEE RIVER AT DUBLIN, GA | flow 785.0 ft³/s | 53 km |
| CANOOCHEE RIVER NEAR CLAXTON, GA | flow 53.3 ft³/s | 61 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-321302082243601 | depth 192.4 ft · 2026-09-16 | 13 km |
| USGS-320226082301101 | depth 110.1 ft · 2026-10-05 | 15 km |
| USGS-322652083033001 | depth 36.6 ft · 2026-10-05 | 58 km |
| USGS-323030083030003 | depth 51.5 ft · 2026-10-05 | 61 km |
| USGS-324209082430201 | depth 158.2 ft · 2026-10-05 | 61 km |
| USGS-323123081511601 | depth 101.7 ft · 2026-10-02 | 75 km |
| USGS-323123081511602 | depth 95.9 ft · 2026-10-02 | 75 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 #
$105.6 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,210, highly concentrated. $60.1 m federal obligations in FY2026 (direct payments $60.5 m, loans $4,158), $36,438 per covered job
| Item | Value | Distance |
|---|---|---|
| Mount Vernon Bank | $63.6 m · 60.3% share · 1 office | |
| Altamaha Bank & Trust Company | $42.0 m · 39.7% share · 1 office | |
| Montgomery, GA | $60.1 m FY2026 · $36,438/job | |
| MULTIPLE RECIPIENTS | $46.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Mount Vernon Bank | $63,605,000 | 60.3% | 1 |
| Altamaha Bank & Trust Company | $41,953,000 | 39.7% | 1 |
Deposit concentration is 5,210 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 60.3² + 39.7² = 5,210
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 | $40,832,616 |
| Department of Agriculture | $10,076,812 |
| Department of Veterans Affairs | $5,136,805 |
| Department of Education | $4,066,704 |
| Railroad Retirement Board | $298,398 |
| Department of Housing and Urban Development | $231,283 |
| Federal Communications Commission | $64,996 |
| Department of Energy | $27,138 |
| Department of Transportation | -$647,945 |
That is $36,438 per covered job, against 1,649 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $60.1 m / 1,649 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,438
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 #
Montgomery County, GA: 10 findings, 10 noted
noteMontgomery County, GA's covered employment was 7.3% 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
- +7.3 % = 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
noteMontgomery County, GA's average weekly wage was 3.5% 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
- +3.5 % = 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
noteMontgomery County, GA's typical home value rose 1.1% from $175,184 in July 2026 to $177,106 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.1% = (177106.18359125886 - 175184.01584128375) / 175184.01584128375 × 100
- 177106.18359125886 = Zillow ZHVI, 2026-08
- 175184.01584128375 = Zillow ZHVI, 2026-07
noteMontgomery County, GA's average weekly wage of $798 ranks 155th of 159 Georgia counties, against a median of $964.
Period 2026 Q1.Show the arithmetic
- 3 on the 0-to-100 scale across 159 Georgia counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteMontgomery County, GA's covered employment of +7.3% ranks 105th 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
Read all 10 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.