Terrell County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.78, -84.44.
Assembled 2026-10-06. Read the brief.
- 6th pct · 2,859th of 3,063 US counties · median $234,566
- 5th pct · 151st of 159 Georgia counties · median $219,820
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
- 56th pct · 1,330th of 3,063 US counties · median +2.9%
- 60th pct · 64th of 159 Georgia counties · median +2.6%
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Georgia counties: not published this period
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
- 17th pct · 2,657th of 3,221 US counties · median 8,232
- 20th pct · 126th of 159 Georgia counties · median 7,095
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
- 19th pct · 2,599th of 3,221 US counties · median $1,039
- 27th pct · 116th of 159 Georgia counties · median $964
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
- 11th pct · 2,700th of 3,063 US counties · median 4.3
- 10th pct · 143rd of 159 Georgia counties · median 4.3
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany 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 $120,970 (Aug 2026), +3.5% over one year, +32.1% over five
- 6th pct · 2,859th of 3,063 US counties · median $234,566
- 5th pct · 151st of 159 Georgia counties · median $219,820
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Terrell County, GA | $120,970 · +3.5% 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 #
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
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
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 $662 a month on $120,970 at 7.28%, against an average weekly wage worth $3,904 a month: 17.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $120,970 × 80% = $96,776, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $662/mo principal and interest
- wage share = payment / (avg weekly wage $901 × 52 / 12 = $3,904) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $120,970 / ($901 × 52) = 2.6
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 #
2,164 jobs at 225 employers (2026 Q1); +3.0% jobs and +5.4% average weekly wage over the year
- 17th pct · 2,657th of 3,221 US counties · median 8,232
- 20th pct · 126th of 159 Georgia counties · median 7,095
- counties in the Albany metro: Rank context is unavailable: the manifest lists 4 counties in the Albany metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Terrell County, GA | 2,164 jobs · $901/wk · +3.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 450 | $838 | 2.13 | +7.9% |
| Wholesale trade | 218 | $1,357 | 2.63 | +9.5% |
| Accommodation and food services | 179 | $339 | 0.92 | -1.6% |
| Finance and insurance | 125 | $1,167 | 1.42 | -0.8% |
| Agriculture, forestry, fishing | 107 | $905 | 6.85 | -10.8% |
| Construction | 84 | $1,104 | 0.74 | -1.2% |
| Manufacturing | 77 | $1,172 | 0.44 | -17.2% |
| Administrative and waste services | 20 | $917 | 0.16 | +0.0% |
| Professional and technical services | 18 | $903 | 0.12 | +5.9% |
| Arts, entertainment and recreation | 9 | $639 | 0.25 | -10.0% |
| Real estate and rental | 7 | $893 | 0.21 | -22.2% |
| Utilities | 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 #
D1 moderate 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 #
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 | 188.9 ft (USGS, no capacity on file) | 61 km |
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.6 ft (USGS, no capacity on file) | 86 km |
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.1 ft (USGS, no capacity on file) | 125 km |
| WEST POINT LAKE NEAR WEST POINT, GA | 624.5 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 #
32 gauges · 0 flooding · 4 with quality panels averaging 88 % · 4 stale
Sites found: 32, 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 |
|---|---|---|
| KINCHAFOONEE CREEK AT PINEWOOD ROAD, NR DAWSON, GA | flow 402.0 ft³/s · quality 100 % (1) · no flooding | 18 km |
| CHICKASAWHATCHEE CREEK NEAR ALBANY, GA | flow 147.0 ft³/s | 20 km |
| KINCHAFOONEE CREEK AT CENTURY RD,NEAR LEESBURG,GA | stage 5.57 ft · no flooding | 27 km |
| MUCKALEE CREEK AT GA 195, NEAR LEESBURG, GA | flow 287.0 ft³/s · no flooding | 28 km |
| CHICKASAWHATCHEE CREEK NEAR LEARY, GA | flow 64.0 ft³/s · STALE | 30 km |
| ICHAWAYNOCHAWAY CREEK AT GA 37, NEAR MORGAN, GA | flow 569.0 ft³/s · no flooding | 31 km |
| KIOKEE CREEK NEAR PRETORIA, GA | flow 383.0 ft³/s · STALE | 31 km |
| KINCHAFOONEE CREEK AT PRESTON, GA | flow 134.0 ft³/s · no flooding | 32 km |
| PACHITLA CREEK NEAR EDISON, GA | flow 571.0 ft³/s · no flooding | 34 km |
| MUCKALEE CREEK AT FORRESTER PKWY NEAR LEESBURG, GA | stage 7.08 ft · no flooding | 34 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 #
112 wells in 0 named aquifers:
Sites found: 112, 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-314611084310301 | depth 206.0 ft · 1997-07-22 | 8 km |
| USGS-314231084190202 | depth 15.3 ft · 2003-09-10 | 14 km |
| USGS-315353084192501 | depth 100.5 ft · 2026-09-01 | 17 km |
| USGS-315353084192502 | depth 42.0 ft · 2026-09-01 | 17 km |
| USGS-313953084361201 | depth 29.2 ft · 2026-10-05 | 20 km |
| USGS-313953084361202 | depth 218.8 ft · 2026-10-05 | 20 km |
| USGS-313532084203501 | depth 155.7 ft · 2026-10-05 | 23 km |
| USGS-313530084203202 | depth 16.2 ft · 2005-03-28 | 23 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 (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.13 / 0.55
Banks & federal dollars #
$267.4 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,710, highly concentrated. $62.7 m federal obligations in FY2026 (direct payments $60.9 m, grants $1.1 m), $28,974 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Dawson | $132.0 m · 49.4% share · 1 office | |
| Georgia Community Bank | $127.2 m · 47.6% share · 2 offices | |
| PeoplesSouth Bank | $8.2 m · 3.1% share · 1 office | |
| Terrell, GA | $62.7 m FY2026 · $28,974/job | |
| MULTIPLE RECIPIENTS | $56.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Dawson | $131,978,000 | 49.4% | 1 |
| Georgia Community Bank | $127,225,000 | 47.6% | 2 |
| PeoplesSouth Bank | $8,164,000 | 3.1% | 1 |
Deposit concentration is 4,710 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 49.4² + 47.6² + 3.1² = 4,710
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 | $49,063,649 |
| Department of Veterans Affairs | $7,541,552 |
| Department of Agriculture | $4,730,630 |
| Department of Housing and Urban Development | $817,473 |
| Railroad Retirement Board | $312,020 |
| Department of Transportation | $233,681 |
That is $28,974 per covered job, against 2,164 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $62.7 m / 2,164 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,974
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 #
Terrell County, GA: 8 findings, 8 noted
noteTerrell 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
noteTerrell County, GA's covered employment was 3.0% 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 % = 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
noteTerrell County, GA's typical home value rose 1.4% from $119,265 in July 2026 to $120,970 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.4% = (120969.67673636715 - 119264.69112671619) / 119264.69112671619 × 100
- 120969.67673636715 = Zillow ZHVI, 2026-08
- 119264.69112671619 = Zillow ZHVI, 2026-07
noteTerrell County, GA's momentum index of 0.74 ranks 143rd of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteTerrell County, GA's typical home value of $120,970 ranks 151st of 159 Georgia counties, against a median of $219,820.
Period 2026-08.Show the arithmetic
- 5 on the 0-to-100 scale across 159 Georgia counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 8 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.