Sumter County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.04, -84.20.
Assembled 2026-10-06. Read the brief.
- 11th pct · 2,715th of 3,063 US counties · median $234,566
- 13th pct · 138th of 159 Georgia counties · median $219,820
- 88th pct · 351st of 3,063 US counties · median +2.9%
- 84th pct · 25th of 159 Georgia counties · median +2.6%
- 5th pct · 1,326th of 1,399 US counties · median $1,496
- 0th pct · 72nd of 72 Georgia counties · median $1,651
- 54th pct · 1,460th of 3,221 US counties · median 8,232
- 63rd pct · 58th of 159 Georgia counties · median 7,095
- 13th pct · 2,783rd of 3,221 US counties · median $1,039
- 17th pct · 131st of 159 Georgia counties · median $964
- 21st pct · 2,413th of 3,063 US counties · median 4.3
- 20th pct · 127th 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 $137,334 (Aug 2026), +7.5% over one year, +28.6% over five
- 11th pct · 2,715th of 3,063 US counties · median $234,566
- 13th pct · 138th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Sumter County, GA | $137,334 · +7.5% 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 #
Typical rent $938/mo (Aug 2026), n/a over one year; price-to-rent 12.2
- 5th pct · 1,326th of 1,399 US counties · median $1,496
- 0th pct · 72nd of 72 Georgia counties · median $1,651
| Item | Value | Distance |
|---|---|---|
| Sumter County, GA | $938/mo · n/a 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 $752 a month on $137,334 at 7.28%, against an average weekly wage worth $3,744 a month: 20.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $137,334 × 80% = $109,867, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $752/mo principal and interest
- wage share = payment / (avg weekly wage $864 × 52 / 12 = $3,744) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $137,334 / ($864 × 52) = 3.1
- price-to-rent = $137,334 / ($938 × 12) = 12.2
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 #
9,749 jobs at 703 employers (2026 Q1); +0.6% jobs and +1.3% average weekly wage over the year
- 54th pct · 1,460th of 3,221 US counties · median 8,232
- 63rd pct · 58th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Sumter County, GA | 9,749 jobs · $864/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,470 | $846 | 1.00 | +0.0% |
| Retail trade | 1,198 | $576 | 1.26 | +0.1% |
| Manufacturing | 1,049 | $964 | 1.34 | +20.2% |
| Accommodation and food services | 908 | $395 | 1.04 | -5.1% |
| Agriculture, forestry, fishing | 470 | $848 | 6.67 | -3.1% |
| Administrative and waste services | 455 | $595 | 0.82 | +34.6% |
| Transportation and warehousing | 345 | $961 | 0.84 | +8.2% |
| Construction | 213 | $917 | 0.42 | -6.2% |
| Finance and insurance | 201 | $1,390 | 0.51 | +5.8% |
| Educational services | 192 | $736 | 0.92 | +0.0% |
| Other services | 119 | $728 | 0.41 | -7.0% |
| Real estate and rental | 87 | $754 | 0.58 | +2.4% |
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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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 |
|---|---|---|
| WALTER F. GEORGE RESERVOIR NEAR FORT GAINES, GA | 189.1 ft (USGS, no capacity on file) | 94 km |
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.7 ft (USGS, no capacity on file) | 122 km |
| WEST POINT LAKE NEAR WEST POINT, GA | 624.3 ft (USGS, no capacity on file) | 134 km |
| LAKE HORTON HEADWATER NEAR FAYETTEVILLE, GA | 775.1 ft (USGS, no capacity on file) | 143 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 #
28 gauges · 0 flooding · 3 with quality panels averaging 83 % · 7 stale
Sites found: 28, 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 |
|---|---|---|
| MUCKALEE CREEK NEAR AMERICUS, GA | flow 151.0 ft³/s · no flooding | 7 km |
| LIME CREEK NEAR COBB, GA | flow 14.0 ft³/s · STALE | 20 km |
| CHOKEE CREEK AT NEW YORK ROAD, NEAR LEESBURG, GA | stage 9.58 ft | 27 km |
| MUCKALEE CREEK AT GA 195, NEAR LEESBURG, GA | flow 241.0 ft³/s · no flooding | 30 km |
| KINCHAFOONEE CREEK AT PINEWOOD ROAD, NR DAWSON, GA | flow 278.0 ft³/s · quality 100 % (1) · no flooding | 31 km |
| FLINT RIVER AT GA 26, NEAR MONTEZUMA, GA | flow 1,100 ft³/s · no flooding | 32 km |
| FLINT RIVER AT MONTEZUMA, GA | flow 5,010 ft³/s · STALE | 32 km |
| KINCHAFOONEE CREEK AT PRESTON, GA | flow 160.0 ft³/s · no flooding | 32 km |
| Flint River (GA) at Lake Blackshear | no flooding | 33 km |
| TURKEY CREEK AT BYROMVILLE, GA | flow 31.2 ft³/s · no flooding | 33 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 #
91 wells in 0 named aquifers:
Sites found: 91, 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-320001084032801 | depth 17.2 ft · 2007-03-21 | 15 km |
| USGS-320039084235601 | depth 20.1 ft · 1994-11-06 | 19 km |
| USGS-320048084240101 | depth 30.7 ft · 1994-11-06 | 19 km |
| USGS-320107084240801 | depth 35.6 ft · 1994-11-06 | 19 km |
| USGS-320003084240501 | depth 27.1 ft · 1995-03-01 | 19 km |
| USGS-315947084241201 | depth 25.4 ft · 1995-04-09 | 19 km |
| USGS-315943084241201 | depth 24.6 ft · 1995-04-09 | 19 km |
| USGS-315353084192502 | depth 42.0 ft · 2026-09-01 | 20 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 (0.06)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.17 / 0.55
Banks & federal dollars #
$973.4 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,203, highly concentrated. $203.9 m federal obligations in FY2026 (direct payments $190.3 m, grants $13.3 m), $20,912 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank of Americus | $405.8 m · 41.7% share · 2 offices | |
| Wells Fargo Bank, National Association | $317.2 m · 32.6% share · 1 office | |
| Pinnacle Bank | $190.3 m · 19.6% share · 1 office | |
| Sumter, GA | $203.9 m FY2026 · $20,912/job | |
| MULTIPLE RECIPIENTS | $163.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank of Americus | $405,813,000 | 41.7% | 2 |
| Wells Fargo Bank, National Association | $317,184,000 | 32.6% | 1 |
| Pinnacle Bank | $190,318,000 | 19.6% | 1 |
| First State Bank | $39,882,000 | 4.1% | 1 |
| PeoplesSouth Bank | $20,169,000 | 2.1% | 1 |
Deposit concentration is 3,203 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 41.7² + 32.6² + 19.6² + … (2 more) = 3,203
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 | $141,430,297 |
| Department of Veterans Affairs | $20,042,486 |
| Department of Education | $18,618,521 |
| Department of Housing and Urban Development | $9,451,724 |
| Department of Transportation | $8,365,313 |
| Department of Agriculture | $4,026,106 |
| Railroad Retirement Board | $1,568,142 |
| Department of the Interior | $189,478 |
| Federal Communications Commission | $138,313 |
| Department of State | $38,206 |
| Department of Health and Human Services | $20,245 |
| Department of Homeland Security | -$4,451 |
That is $20,912 per covered job, against 9,749 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $203.9 m / 9,749 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,912
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 #
Sumter County, GA: 9 findings, 9 noted
noteSumter County, GA's average weekly wage was 1.3% 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
- +1.3 % = 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
noteSumter County, GA's typical home value rose 0.8% from $136,196 in July 2026 to $137,334 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (137334.3086003169 - 136196.06023748283) / 136196.06023748283 × 100
- 137334.3086003169 = Zillow ZHVI, 2026-08
- 136196.06023748283 = Zillow ZHVI, 2026-07
noteSumter County, GA's covered employment was 0.6% 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
- +0.6 % = 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
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Sumter County, GA could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteSumter County, GA's typical asking rent of $938 ranks 72nd of 72 Georgia counties, against a median of $1,651.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 72 Georgia counties that published rent.latest
position among the entities that published this metric this period; not an official level
Read all 9 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.