Toombs County, GA

Home values #

Typical home $172,359 (Aug 2026), +2.2% over one year, +29.2% over five

• 24th pct · 2,309th of 3,063 US counties · median $234,566
• 28th pct · 114th of 159 Georgia counties · median $219,820

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 $1,039/mo (Aug 2026), n/a over one year; price-to-rent 13.8

• 10th pct · 1,251st of 1,399 US counties · median $1,496
• 4th pct · 69th of 72 Georgia counties · median $1,651

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 $943 a month on $172,359 at 7.28%, against an average weekly wage worth $4,052 a month: 23.3% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $172,359 × 80% = $137,887, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $943/mo principal and interest
• wage share = payment / (avg weekly wage $935 × 52 / 12 = $4,052) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $172,359 / ($935 × 52) = 3.5
• price-to-rent = $172,359 / ($1,039 × 12) = 13.8

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 #

11,571 jobs at 781 employers (2026 Q1); -2.3% jobs and +1.9% average weekly wage over the year

• 58th pct · 1,350th of 3,221 US counties · median 8,232
• 67th pct · 52nd of 159 Georgia counties · median 7,095

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 #

1 USGS reservoir gauges, no capacity figures to weight

Sites found: 1, 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 #

12 gauges · 0 flooding · 2 with quality panels averaging 100 %

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.

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 #

23 wells in 0 named aquifers:

Sites found: 23, 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 + 0.2×0.00 / 0.55

Banks & federal dollars #

$1.1 bn in deposits at 12 offices of 7 banks (SOD June 2026); HHI 1,897, highly concentrated. $162.1 m federal obligations in FY2026 (direct payments $155.6 m, grants $6.5 m), $14,009 per covered job

Deposit concentration is 1,897 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 = 30.6² + 17.9² + 15.7² + … (4 more) = 1,897

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.

That is $14,009 per covered job, against 11,571 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $162.1 m / 11,571 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,009

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.

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 #

Toombs County, GA: 7 findings, 1 at a watch level and 6 noted

1. watchToombs County, GA's covered employment is -2.3% 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 = -2.3 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. noteToombs County, GA's covered employment was 2.3% 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

   • -2.3 % = 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

3. noteToombs County, GA's average weekly wage 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

4. noteToombs County, GA's typical asking rent rose 0.8% from $1,031 in July 2026 to $1,039 in August 2026, on Zillow ZORI.

   Period 2026-08.
   Show the arithmetic

   • +0.8% = (1038.888888888889 - 1031.0542833147153) / 1031.0542833147153 × 100
   • 1038.888888888889 = Zillow ZORI, 2026-08
   • 1031.0542833147153 = Zillow ZORI, 2026-07

5. noteToombs County, GA's typical asking rent of $1,039 ranks 69th of 72 Georgia counties, against a median of $1,651.

   Period 2026-08.
   Show the arithmetic

   • 4 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 7 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.