Spalding County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.26, -84.28.
Assembled 2026-10-06. Read the brief.
- 50th pct · 1,522nd of 3,063 US counties · median $234,566
- 55th pct · 71st of 159 Georgia counties · median $219,820
- 7th pct · 27th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $342,031
- 9th pct · 2,767th of 3,063 US counties · median +2.9%
- 5th pct · 150th of 159 Georgia counties · median +2.6%
- 17th pct · 24th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median -0.4%
- 31st pct · 955th of 1,399 US counties · median $1,496
- 18th pct · 59th of 72 Georgia counties · median $1,651
- 8th pct · 23rd of 25 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,809
- 73rd pct · 854th of 3,221 US counties · median 8,232
- 77th pct · 36th of 159 Georgia counties · median 7,095
- 35th pct · 19th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
- 49th pct · 1,630th of 3,221 US counties · median $1,039
- 63rd pct · 58th of 159 Georgia counties · median $964
- 25th pct · 22nd of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,138
- 51st pct · 1,480th of 3,063 US counties · median 4.3
- 52nd pct · 76th of 159 Georgia counties · median 4.3
- 17th pct · 24th 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 $235,208 (Aug 2026), -2.2% over one year, +22.7% over five
- 50th pct · 1,522nd of 3,063 US counties · median $234,566
- 55th pct · 71st of 159 Georgia counties · median $219,820
- 7th pct · 27th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $342,031
| Item | Value | Distance |
|---|---|---|
| Spalding County, GA | $235,208 · -2.2% 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 $1,312/mo (Aug 2026), +1.0% over one year; price-to-rent 14.9
- 31st pct · 955th of 1,399 US counties · median $1,496
- 18th pct · 59th of 72 Georgia counties · median $1,651
- 8th pct · 23rd of 25 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,809
| Item | Value | Distance |
|---|---|---|
| Spalding County, GA | $1,312/mo · +1.0% 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 $1,287 a month on $235,208 at 7.28%, against an average weekly wage worth $4,489 a month: 28.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $235,208 × 80% = $188,167, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,287/mo principal and interest
- wage share = payment / (avg weekly wage $1,036 × 52 / 12 = $4,489) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $235,208 / ($1,036 × 52) = 4.4
- price-to-rent = $235,208 / ($1,312 × 12) = 14.9
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 #
22,662 jobs at 1,487 employers (2026 Q1); -3.5% jobs and +5.4% average weekly wage over the year
- 73rd pct · 854th of 3,221 US counties · median 8,232
- 77th pct · 36th of 159 Georgia counties · median 7,095
- 35th pct · 19th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
| Item | Value | Distance |
|---|---|---|
| Spalding County, GA | 22,662 jobs · $1,036/wk · -3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,611 | $1,034 | 1.35 | +7.0% |
| Retail trade | 3,023 | $636 | 1.37 | -1.1% |
| Manufacturing | 2,932 | $1,630 | 1.61 | -3.3% |
| Accommodation and food services | 2,025 | $428 | 0.99 | +2.4% |
| Administrative and waste services | 1,372 | $726 | 1.07 | -26.2% |
| Construction | 704 | $1,363 | 0.59 | -3.0% |
| Wholesale trade | 622 | $1,673 | 0.72 | -35.7% |
| Professional and technical services | 583 | $1,214 | 0.37 | -9.5% |
| Other services | 427 | $970 | 0.63 | -10.9% |
| Finance and insurance | 396 | $1,600 | 0.43 | +3.4% |
| Transportation and warehousing | 385 | $1,181 | 0.40 | -22.2% |
| Real estate and rental | 134 | $923 | 0.39 | +0.0% |
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 #
D2 severe 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 #
9 USGS reservoir gauges, no capacity figures to weight
Sites found: 9, 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 HORTON HEADWATER NEAR FAYETTEVILLE, GA | 775.1 ft (USGS, no capacity on file) | 14 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 778.1 ft (USGS, no capacity on file) | 30 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.5 ft (USGS, no capacity on file) | 30 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 833.6 ft (USGS, no capacity on file) | 33 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 731.7 ft (USGS, no capacity on file) | 61 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.8 ft (USGS, no capacity on file) | 79 km |
| WEST POINT LAKE NEAR WEST POINT, GA | 624.5 ft (USGS, no capacity on file) | 92 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 102 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 #
119 gauges · 0 flooding · 44 with quality panels averaging 100 % · 12 stale
Sites found: 119, 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 |
|---|---|---|
| CABIN CREEK AT NORTH SECOND STREET, NR GRIFFIN, GA | flow 1.88 ft³/s · no flooding | 5 km |
| SHOAL CREEK AT SHOAL CREEK ROAD, NEAR GRIFFIN, GA | flow 2.63 ft³/s · no flooding | 7 km |
| Potato Creek at County Line Road near Orchard Hill | no flooding | 10 km |
| POTATO CREEK AT COUNTY LINE RD, NR ORCHARD HILL,GA | flow 1.41 ft³/s | 10 km |
| FLINT RIVER NEAR GRIFFIN, GA | flow 98.1 ft³/s · no flooding | 14 km |
| LAKE HORTON TAILRACE NEAR FAYETTEVILLE, GA | flow 2.54 ft³/s | 14 km |
| FLINT RIVER AT WOOLSEY ROAD, NEAR WOOLSEY, GA | flow 101.0 ft³/s · no flooding | 15 km |
| FLINT RIVER NEAR LOVEJOY, GA | flow 58.9 ft³/s · no flooding | 19 km |
| WHITEWATER CR DS STARRS MILL DAM FAYETTEVILLE,GA | flow 4.38 ft³/s · out of service · STALE | 22 km |
| LINE CREEK NEAR SENOIA, GA | flow 27.6 ft³/s · no flooding | 23 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 #
12 wells in 0 named aquifers:
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 |
|---|---|---|
| USGS-331507084171801 | depth 19.2 ft · 2026-10-05 | 0 km |
| USGS-330858084122901 | depth 11.4 ft · 2015-09-30 | 14 km |
| USGS-333537084081701 | depth 14.8 ft · 2006-03-23 | 39 km |
| USGS-333823084033501 | depth 14.9 ft · 1983-07-12 | 47 km |
| USGS-334038084262001 | depth 19.8 ft · 1985-08-27 | 48 km |
| USGS-333346084400101 | depth 3.79 ft · 1986-08-28 | 49 km |
| USGS-333347084400101 | depth 1.43 ft · 1986-11-26 | 49 km |
| USGS-334207084254801 | depth 7.34 ft · 2026-10-05 | 51 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.2 bn in deposits at 14 offices of 7 banks (SOD June 2026); HHI 2,150, highly concentrated. $470.9 m federal obligations in FY2026 (direct payments $468.6 m, grants $1.5 m), $20,778 per covered job
| Item | Value | Distance |
|---|---|---|
| United Bank | $424.2 m · 35.7% share · 4 offices | |
| First National Bank of Griffin | $265.1 m · 22.3% share · 4 offices | |
| Wells Fargo Bank, National Association | $138.8 m · 11.7% share · 1 office | |
| Spalding, GA | $470.9 m FY2026 · $20,778/job | |
| MULTIPLE RECIPIENTS | $446.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Bank | $424,239,000 | 35.7% | 4 |
| First National Bank of Griffin | $265,083,000 | 22.3% | 4 |
| Wells Fargo Bank, National Association | $138,756,000 | 11.7% | 1 |
| Bank of America, National Association | $109,363,000 | 9.2% | 1 |
| Georgia Banking Company | $105,924,000 | 8.9% | 1 |
| Truist Bank | $90,884,000 | 7.6% | 1 |
| Regions Bank | $54,582,000 | 4.6% | 2 |
Deposit concentration is 2,150 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 35.7² + 22.3² + 11.7² + … (4 more) = 2,150
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 | $383,395,546 |
| Department of Veterans Affairs | $60,496,388 |
| Department of Education | $19,041,221 |
| Department of Housing and Urban Development | $3,589,549 |
| Railroad Retirement Board | $2,067,047 |
| Department of Transportation | $1,448,639 |
| Department of Agriculture | $686,830 |
| Department of Health and Human Services | $142,947 |
| Small Business Administration | $0 |
That is $20,778 per covered job, against 22,662 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $470.9 m / 22,662 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,778
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 | 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 | -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 #
Spalding County, GA: 13 findings, 1 at an alert level, 2 at a watch level and 10 noted
alertSpalding County, GA's covered employment is -3.5% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -3.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchSpalding County, GA's covered employment is -3.5% 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 = -3.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSpalding County, GA's typical home value is -2.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -2.194916421226925 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteSpalding County, GA's average weekly wage was 5.4% 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
- +5.4 % = 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
noteSpalding County, GA's covered employment was 3.5% 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
- -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
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.