Oconee County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.83, -83.44.
Assembled 2026-10-06. Read the brief.
- 95th pct · 146th of 3,063 US counties · median $234,566
- 98th pct · 3rd of 159 Georgia counties · median $219,820
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 28th pct · 2,176th of 3,063 US counties · median +2.9%
- 26th pct · 117th of 159 Georgia counties · median +2.6%
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 86th pct · 194th of 1,399 US counties · median $1,496
- 85th pct · 11th of 72 Georgia counties · median $1,651
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 68th pct · 1,011th of 3,221 US counties · median 8,232
- 74th pct · 42nd of 159 Georgia counties · median 7,095
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 48th pct · 1,650th of 3,221 US counties · median $1,039
- 63rd pct · 59th of 159 Georgia counties · median $964
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
- 97th pct · 74th of 3,063 US counties · median 4.3
- 98th pct · 3rd of 159 Georgia counties · median 4.3
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County 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 $553,840 (Aug 2026), +1.0% over one year, +28.0% over five
- 95th pct · 146th of 3,063 US counties · median $234,566
- 98th pct · 3rd of 159 Georgia counties · median $219,820
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oconee County, GA | $553,840 · +1.0% 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 $2,071/mo (Aug 2026), +3.1% over one year; price-to-rent 22.3
- 86th pct · 194th of 1,399 US counties · median $1,496
- 85th pct · 11th of 72 Georgia counties · median $1,651
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oconee County, GA | $2,071/mo · +3.1% 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 $3,032 a month on $553,840 at 7.28%, against an average weekly wage worth $4,481 a month: 67.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $553,840 × 80% = $443,072, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,032/mo principal and interest
- wage share = payment / (avg weekly wage $1,034 × 52 / 12 = $4,481) = 68% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $553,840 / ($1,034 × 52) = 10.3
- price-to-rent = $553,840 / ($2,071 × 12) = 22.3
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 #
17,788 jobs at 1,775 employers (2026 Q1); +4.9% jobs and +1.8% average weekly wage over the year
- 68th pct · 1,011th of 3,221 US counties · median 8,232
- 74th pct · 42nd of 159 Georgia counties · median 7,095
- counties in the Athens-Clarke County metro: Rank context is unavailable: the manifest lists 4 counties in the Athens-Clarke County metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Oconee County, GA | 17,788 jobs · $1,034/wk · +4.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,172 | $755 | 1.83 | +5.1% |
| Health care and social assistance | 2,821 | $1,002 | 1.05 | +11.1% |
| Accommodation and food services | 2,024 | $389 | 1.27 | +4.9% |
| Professional and technical services | 1,180 | $1,817 | 0.96 | +19.2% |
| Administrative and waste services | 1,016 | $1,078 | 1.00 | +0.8% |
| Construction | 918 | $1,294 | 0.98 | -5.7% |
| Educational services | 863 | $713 | 2.25 | +11.2% |
| Wholesale trade | 751 | $1,408 | 1.10 | +4.6% |
| Other services | 741 | $882 | 1.39 | +19.3% |
| Manufacturing | 680 | $1,129 | 0.48 | -14.6% |
| Finance and insurance | 465 | $1,810 | 0.64 | -3.9% |
| Management of companies | 307 | $3,745 | 1.03 | -1.3% |
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 #
$1.8 bn in deposits at 13 offices of 11 banks (SOD June 2026); HHI 1,687, moderately concentrated. $361.8 m federal obligations in FY2026 (direct payments $231.4 m, grants $73.0 m), $20,340 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $470.2 m · 25.4% share · 1 office | |
| Oconee State Bank | $459.5 m · 24.9% share · 2 offices | |
| Pinnacle Bank | $273.6 m · 14.8% share · 2 offices | |
| Oconee, GA | $361.8 m FY2026 · $20,340/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $470,169,000 | 25.4% | 1 |
| Oconee State Bank | $459,490,000 | 24.9% | 2 |
| Pinnacle Bank | $273,626,000 | 14.8% | 2 |
| Bank OZK | $145,707,000 | 7.9% | 1 |
| BankSouth | $140,573,000 | 7.6% | 1 |
| The Commercial Bank | $99,686,000 | 5.4% | 1 |
| American Pride Bank | $98,903,000 | 5.3% | 1 |
| United Community Bank | $65,486,000 | 3.5% | 1 |
| First American Bank and Trust Company | $48,715,000 | 2.6% | 1 |
| Vallant Bank | $45,953,000 | 2.5% | 1 |
Deposit concentration is 1,687 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 25.4² + 24.9² + 14.8² + … (8 more) = 1,687
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 $20,340 per covered job, against 17,788 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $361.8 m / 17,788 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,340
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 #
Oconee County, GA: 11 findings, 2 at a watch level and 9 noted
watchOconee County, GA's years of wages of 10.3 ranks 74th 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 = 97.61593729588505 >= 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
watchOconee County, GA's years of wages is 10.3, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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 2026-08.Show the arithmetic
- test: yearsOfWages = 10.300556192945962 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
noteOconee County, GA's covered employment was 4.9% 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
- +4.9 % = 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
noteOconee County, GA's average weekly wage was 1.8% 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
- +1.8 % = 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
noteOconee County, GA's typical asking rent rose 0.9% from $2,053 in July 2026 to $2,071 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.9% = (2071.3333333333335 - 2053.072557375796) / 2053.072557375796 × 100
- 2071.3333333333335 = Zillow ZORI, 2026-08
- 2053.072557375796 = Zillow ZORI, 2026-07
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.