Schley County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.26, -84.32.
Assembled 2026-10-06. Read the brief.
- 31st pct · 2,103rd of 3,063 US counties · median $234,566
- 39th pct · 97th of 159 Georgia counties · median $219,820
- 42nd pct · 1,759th of 3,063 US counties · median +2.9%
- 44th pct · 88th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 8th pct · 2,934th of 3,221 US counties · median 8,232
- 6th pct · 148th of 159 Georgia counties · median 7,095
- 18th pct · 2,621st of 3,221 US counties · median $1,039
- 25th pct · 118th of 159 Georgia counties · median $964
- 44th pct · 1,706th of 3,063 US counties · median 4.3
- 41st pct · 93rd 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 $187,227 (Aug 2026), +2.3% over one year, +23.1% over five
- 31st pct · 2,103rd of 3,063 US counties · median $234,566
- 39th pct · 97th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Schley County, GA | $187,227 · +2.3% 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 #
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 $1,025 a month on $187,227 at 7.28%, against an average weekly wage worth $3,887 a month: 26.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $187,227 × 80% = $149,781, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,025/mo principal and interest
- wage share = payment / (avg weekly wage $897 × 52 / 12 = $3,887) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $187,227 / ($897 × 52) = 4.0
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 #
1,250 jobs at 76 employers (2026 Q1); +1.9% jobs and +2.5% average weekly wage over the year
- 8th pct · 2,934th of 3,221 US counties · median 8,232
- 6th pct · 148th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Schley County, GA | 1,250 jobs · $897/wk · +1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 502 | $936 | 4.99 | +0.0% |
| Wholesale trade | 89 | $1,013 | 1.86 | +3.5% |
| Accommodation and food services | 60 | $361 | 0.53 | +11.1% |
| Retail trade | 39 | $569 | 0.32 | -48.0% |
| Other services | 28 | $923 | 0.75 | -12.5% |
| Administrative and waste services | 13 | $997 | 0.18 | +8.3% |
| Professional and technical services | 5 | $697 | 0.06 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Construction | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Educational services | 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 #
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 #
$108.8 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,225, highly concentrated. $25.3 m federal obligations in FY2026 (direct payments $24.6 m, grants $734,990), $20,240 per covered job
| Item | Value | Distance |
|---|---|---|
| Ameris Bank | $65.9 m · 60.6% share · 1 office | |
| The Peoples Bank of Georgia | $42.9 m · 39.4% share · 1 office | |
| Schley, GA | $25.3 m FY2026 · $20,240/job | |
| MULTIPLE RECIPIENTS | $23.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Ameris Bank | $65,941,000 | 60.6% | 1 |
| The Peoples Bank of Georgia | $42,877,000 | 39.4% | 1 |
Deposit concentration is 5,225 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 = 60.6² + 39.4² = 5,225
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 | $20,385,281 |
| Department of Veterans Affairs | $3,158,485 |
| Department of Transportation | $734,990 |
| Department of Agriculture | $554,770 |
| Department of Housing and Urban Development | $245,481 |
| Railroad Retirement Board | $205,840 |
| Federal Communications Commission | $14,809 |
That is $20,240 per covered job, against 1,250 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $25.3 m / 1,250 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,240
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 | 2026-10-06 | +0.0% |
| 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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Schley County, GA: 6 findings, 6 noted
noteSchley County, GA's average weekly wage was 2.5% 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
- +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
noteSchley County, GA's covered employment was 1.9% 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
- +1.9 % = 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
noteSchley County, GA's typical home value rose 0.5% from $186,349 in July 2026 to $187,227 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (187226.61723954216 - 186349.09393426476) / 186349.09393426476 × 100
- 187226.61723954216 = Zillow ZHVI, 2026-08
- 186349.09393426476 = Zillow ZHVI, 2026-07
noteSchley County, GA's covered employment of 1,250 ranks 148th of 159 Georgia counties, against a median of 7,095.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 159 Georgia counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteSchley County, GA's covered employment of 1,250 ranks 2,934th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 9 on the 0-to-100 scale across 3221 US counties that published jobs.emp
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.