Thomas County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.86, -83.92.
Assembled 2026-10-06. Read the brief.
- 47th pct · 1,606th of 3,063 US counties · median $234,566
- 52nd pct · 76th of 159 Georgia counties · median $219,820
- 64th pct · 1,085th of 3,063 US counties · median +2.9%
- 68th pct · 51st of 159 Georgia counties · median +2.6%
- 67th pct · 454th of 1,399 US counties · median $1,496
- 56th pct · 32nd of 72 Georgia counties · median $1,651
- 72nd pct · 889th of 3,221 US counties · median 8,232
- 76th pct · 38th of 159 Georgia counties · median 7,095
- 58th pct · 1,332nd of 3,221 US counties · median $1,039
- 73rd pct · 43rd of 159 Georgia counties · median $964
- 45th pct · 1,666th of 3,063 US counties · median 4.3
- 44th pct · 89th 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 $228,212 (Aug 2026), +4.3% over one year, +29.9% over five
- 47th pct · 1,606th of 3,063 US counties · median $234,566
- 52nd pct · 76th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Thomas County, GA | $228,212 · +4.3% 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 #
Typical rent $1,720/mo (Aug 2026), +3.8% over one year; price-to-rent 11.1
- 67th pct · 454th of 1,399 US counties · median $1,496
- 56th pct · 32nd of 72 Georgia counties · median $1,651
| Item | Value | Distance |
|---|---|---|
| Thomas County, GA | $1,720/mo · +3.8% 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 $1,249 a month on $228,212 at 7.28%, against an average weekly wage worth $4,680 a month: 26.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $228,212 × 80% = $182,569, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,249/mo principal and interest
- wage share = payment / (avg weekly wage $1,080 × 52 / 12 = $4,680) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $228,212 / ($1,080 × 52) = 4.1
- price-to-rent = $228,212 / ($1,720 × 12) = 11.1
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 #
21,156 jobs at 1,565 employers (2026 Q1); +1.8% jobs and -0.7% average weekly wage over the year
- 72nd pct · 889th of 3,221 US counties · median 8,232
- 76th pct · 38th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Thomas County, GA | 21,156 jobs · $1,080/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,076 | $1,279 | 1.28 | +2.0% |
| Manufacturing | 2,815 | $1,634 | 1.65 | +11.4% |
| Retail trade | 2,510 | $680 | 1.22 | -0.3% |
| Accommodation and food services | 2,331 | $410 | 1.23 | +8.8% |
| Administrative and waste services | 1,335 | $1,060 | 1.11 | -9.7% |
| Finance and insurance | 721 | $1,648 | 0.84 | -5.4% |
| Construction | 576 | $1,034 | 0.52 | +2.3% |
| Other services | 563 | $580 | 0.89 | +11.3% |
| Professional and technical services | 542 | $1,455 | 0.37 | -3.0% |
| Wholesale trade | 482 | $1,471 | 0.59 | -2.8% |
| Educational services | 389 | $713 | 0.85 | -7.2% |
| Management of companies | 328 | $1,293 | 0.93 | -3.5% |
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$2.1 bn in deposits at 10 offices of 7 banks (SOD June 2026); HHI 4,543, highly concentrated. $323.9 m federal obligations in FY2026 (direct payments $320.1 m, grants $2.7 m), $15,310 per covered job
| Item | Value | Distance |
|---|---|---|
| Thomasville National Bank | $1.4 bn · 65.1% share · 2 offices | |
| Pinnacle Bank | $296.3 m · 13.8% share · 3 offices | |
| Colony Bank | $159.6 m · 7.4% share · 1 office | |
| Thomas, GA | $323.9 m FY2026 · $15,310/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Thomasville National Bank | $1,397,646,000 | 65.1% | 2 |
| Pinnacle Bank | $296,293,000 | 13.8% | 3 |
| Colony Bank | $159,604,000 | 7.4% | 1 |
| Ameris Bank | $113,283,000 | 5.3% | 1 |
| Renasant Bank | $75,467,000 | 3.5% | 1 |
| Truist Bank | $71,766,000 | 3.3% | 1 |
| Barwick Banking Company | $31,422,000 | 1.5% | 1 |
Deposit concentration is 4,543 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 = 65.1² + 13.8² + 7.4² + … (4 more) = 4,543
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 $15,310 per covered job, against 21,156 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $323.9 m / 21,156 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,310
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 #
Thomas County, GA: 8 findings, 1 at a watch level and 7 noted
watchThomas County, GA's average weekly wage is -0.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -0.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteThomas County, GA's covered employment 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
noteThomas County, GA's typical asking rent rose 0.9% from $1,705 in July 2026 to $1,720 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.9% = (1719.9603174603174 - 1705.03078828208) / 1705.03078828208 × 100
- 1719.9603174603174 = Zillow ZORI, 2026-08
- 1705.03078828208 = Zillow ZORI, 2026-07
noteThomas County, GA's average weekly wage was 0.7% 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
- -0.7 % = 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
noteThomas County, GA's price-to-rent ratio of 11.1 ranks 71st of 72 Georgia counties, against a median of 15.0.
Period 2026-08.Show the arithmetic
- 1 on the 0-to-100 scale across 72 Georgia counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
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.