Upson County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.88, -84.29.
Assembled 2026-10-06. Read the brief.
- 32nd pct · 2,073rd of 3,063 US counties · median $234,566
- 40th pct · 95th of 159 Georgia counties · median $219,820
- 78th pct · 645th of 3,063 US counties · median +2.9%
- 75th pct · 39th of 159 Georgia counties · median +2.6%
- US counties: not published this period
- Georgia counties: not published this period
- 46th pct · 1,726th of 3,221 US counties · median 8,232
- 50th pct · 80th of 159 Georgia counties · median 7,095
- 31st pct · 2,201st of 3,221 US counties · median $1,039
- 47th pct · 84th of 159 Georgia counties · median $964
- 39th pct · 1,864th of 3,063 US counties · median 4.3
- 36th pct · 102nd 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 $189,041 (Aug 2026), +5.9% over one year, +46.5% over five
- 32nd pct · 2,073rd of 3,063 US counties · median $234,566
- 40th pct · 95th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| Upson County, GA | $189,041 · +5.9% 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
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 $1,035 a month on $189,041 at 7.28%, against an average weekly wage worth $4,156 a month: 24.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $189,041 × 80% = $151,233, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,035/mo principal and interest
- wage share = payment / (avg weekly wage $959 × 52 / 12 = $4,156) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $189,041 / ($959 × 52) = 3.8
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 #
7,095 jobs at 543 employers (2026 Q1); -2.5% jobs and +0.1% average weekly wage over the year
- 46th pct · 1,726th of 3,221 US counties · median 8,232
- 50th pct · 80th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Upson County, GA | 7,095 jobs · $959/wk · -2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,535 | $1,103 | 1.44 | +0.0% |
| Retail trade | 1,020 | $607 | 1.48 | +1.5% |
| Manufacturing | 887 | $1,170 | 1.55 | -10.0% |
| Accommodation and food services | 767 | $372 | 1.20 | -6.9% |
| Other services | 414 | $1,599 | 1.95 | -1.9% |
| Finance and insurance | 150 | $1,437 | 0.52 | -4.5% |
| Professional and technical services | 140 | $1,205 | 0.29 | +15.7% |
| Administrative and waste services | 136 | $659 | 0.34 | -2.9% |
| Utilities | 59 | $1,376 | 2.11 | +5.4% |
| Arts, entertainment and recreation | 56 | $330 | 0.48 | +19.1% |
| Transportation and warehousing | 47 | $1,040 | 0.16 | -43.4% |
| Real estate and rental | 41 | $678 | 0.38 | -12.8% |
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 #
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) | 50 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 778.1 ft (USGS, no capacity on file) | 59 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.5 ft (USGS, no capacity on file) | 62 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 833.6 ft (USGS, no capacity on file) | 66 km |
| WEST POINT LAKE NEAR WEST POINT, GA | 624.3 ft (USGS, no capacity on file) | 84 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 731.7 ft (USGS, no capacity on file) | 100 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.2 ft (USGS, no capacity on file) | 121 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 144 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 #
39 gauges · 0 flooding · 5 with quality panels averaging 100 % · 11 stale
Sites found: 39, 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 |
|---|---|---|
| FLINT RIVER NEAR THOMASTON, GA | flow 111.0 ft³/s | 13 km |
| FLINT RIVER AT US 19, NEAR CARSONVILLE, GA | flow 246.0 ft³/s | 19 km |
| FLINT RIVER BELOW BIG BRANCH, NEAR MOLENA, GA | flow 81.5 ft³/s | 29 km |
| POTATO CREEK AT COUNTY LINE RD, NR ORCHARD HILL,GA | flow 5.44 ft³/s | 35 km |
| SHOAL CREEK AT SHOAL CREEK ROAD, NEAR GRIFFIN, GA | flow 3.68 ft³/s | 42 km |
| FLINT RIVER NEAR GRIFFIN, GA | flow 93.6 ft³/s | 42 km |
| CABIN CREEK AT NORTH SECOND STREET, NR GRIFFIN, GA | flow 2.10 ft³/s | 44 km |
| TOWALIGA RIVER AT GA 83 NEAR JULIETTE, GA | flow 108.0 ft³/s | 47 km |
| LAKE HORTON TAILRACE NEAR FAYETTEVILLE, GA | flow 2.62 ft³/s | 50 km |
| TOBESOFKEE CREEK NEAR MACON, GA | flow 7.06 ft³/s | 51 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-330858084122901 | depth 11.4 ft · 2015-09-30 | 31 km |
| USGS-331507084171801 | depth 19.2 ft · 2026-10-05 | 43 km |
| USGS-323915083435801 | depth 128.8 ft · 1976-03-31 | 58 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$496.5 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 2,728, highly concentrated. $176.2 m federal obligations in FY2026 (direct payments $172.6 m, grants $2.5 m), $24,839 per covered job
| Item | Value | Distance |
|---|---|---|
| United Bank | $164.9 m · 33.2% share · 2 offices | |
| Colony Bank | $143.5 m · 28.9% share · 1 office | |
| West Central Georgia Bank | $123.7 m · 24.9% share · 2 offices | |
| Upson, GA | $176.2 m FY2026 · $24,839/job | |
| MULTIPLE RECIPIENTS | $170.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Bank | $164,909,000 | 33.2% | 2 |
| Colony Bank | $143,548,000 | 28.9% | 1 |
| West Central Georgia Bank | $123,736,000 | 24.9% | 2 |
| The Peoples Bank of Georgia | $64,278,000 | 12.9% | 1 |
Deposit concentration is 2,728 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 33.2² + 28.9² + 24.9² + … (1 more) = 2,728
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 | $151,277,044 |
| Department of Veterans Affairs | $18,529,771 |
| Department of Housing and Urban Development | $2,868,313 |
| Department of Agriculture | $1,898,430 |
| Department of Transportation | $903,406 |
| Railroad Retirement Board | $423,663 |
| Federal Communications Commission | $361,700 |
| Small Business Administration | $0 |
| Department of Energy | $0 |
| Department of the Interior | -$32,940 |
That is $24,839 per covered job, against 7,095 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $176.2 m / 7,095 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,839
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 #
Upson County, GA: 5 findings, 1 at a watch level and 4 noted
watchUpson County, GA's covered employment is -2.5% 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 = -2.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteUpson County, GA's covered employment was 2.5% 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
- -2.5 % = 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
noteUpson County, GA's typical home value rose 0.4% from $188,297 in July 2026 to $189,041 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (189041.31099249944 - 188296.99060982084) / 188296.99060982084 × 100
- 189041.31099249944 = Zillow ZHVI, 2026-08
- 188296.99060982084 = Zillow ZHVI, 2026-07
noteUpson County, GA's average weekly wage was 0.1% 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
- +0.1 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Upson County, GA is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.