White County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.64, -83.74.
Assembled 2026-10-06. Read the brief.
- 75th pct · 766th of 3,063 US counties · median $234,566
- 77th pct · 37th of 159 Georgia counties · median $219,820
- 41st pct · 1,806th of 3,063 US counties · median +2.9%
- 42nd pct · 92nd of 159 Georgia counties · median +2.6%
- 72nd pct · 386th of 1,399 US counties · median $1,496
- 69th pct · 23rd of 72 Georgia counties · median $1,651
- 53rd pct · 1,503rd of 3,221 US counties · median 8,232
- 63rd pct · 59th of 159 Georgia counties · median 7,095
- 8th pct · 2,937th of 3,221 US counties · median $1,039
- 6th pct · 149th of 159 Georgia counties · median $964
- 91st pct · 264th of 3,063 US counties · median 4.3
- 91st pct · 15th 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 $325,524 (Aug 2026), +2.2% over one year, +33.1% over five
- 75th pct · 766th of 3,063 US counties · median $234,566
- 77th pct · 37th of 159 Georgia counties · median $219,820
| Item | Value | Distance |
|---|---|---|
| White County, GA | $325,524 · +2.2% 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 $1,779/mo (Aug 2026), n/a over one year; price-to-rent 15.2
- 72nd pct · 386th of 1,399 US counties · median $1,496
- 69th pct · 23rd of 72 Georgia counties · median $1,651
| Item | Value | Distance |
|---|---|---|
| White County, GA | $1,779/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 $1,782 a month on $325,524 at 7.28%, against an average weekly wage worth $3,584 a month: 49.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $325,524 × 80% = $260,419, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,782/mo principal and interest
- wage share = payment / (avg weekly wage $827 × 52 / 12 = $3,584) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $325,524 / ($827 × 52) = 7.6
- price-to-rent = $325,524 / ($1,779 × 12) = 15.2
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 #
9,407 jobs at 877 employers (2026 Q1); +2.7% jobs and +3.5% average weekly wage over the year
- 53rd pct · 1,503rd of 3,221 US counties · median 8,232
- 63rd pct · 59th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| White County, GA | 9,407 jobs · $827/wk · +2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,702 | $498 | 2.01 | +3.7% |
| Retail trade | 1,492 | $636 | 1.63 | -1.7% |
| Construction | 707 | $1,572 | 1.43 | +11.5% |
| Manufacturing | 622 | $1,321 | 0.82 | -4.6% |
| Other services | 262 | $693 | 0.93 | +7.8% |
| Administrative and waste services | 254 | $685 | 0.48 | +20.4% |
| Arts, entertainment and recreation | 180 | $377 | 1.16 | +14.6% |
| Finance and insurance | 161 | $1,977 | 0.42 | -1.2% |
| Real estate and rental | 109 | $696 | 0.76 | +2.8% |
| Wholesale trade | 72 | $1,563 | 0.20 | +0.0% |
| Information | 70 | $1,311 | 0.40 | +2.9% |
| Unclassified | 37 | $1,007 | 1.85 | +54.2% |
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 #
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 SIDNEY LANIER NEAR BUFORD, GA | 1,064 ft (USGS, no capacity on file) | 62 km |
| HARTWELL LAKE NEAR ANDERSON, SC | 649.1 ft (USGS, no capacity on file) | 83 km |
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 85 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 38.6 ft (USGS, no capacity on file) | 87 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.1 ft (USGS, no capacity on file) | 95 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 731.7 ft (USGS, no capacity on file) | 103 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 835.9 ft (USGS, no capacity on file) | 105 km |
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 114 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 #
89 gauges · 0 flooding · 20 with quality panels averaging 97 % · 9 stale
Sites found: 89, 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 |
|---|---|---|
| CHATTAHOOCHEE RIVER AT HELEN, GA | flow 49.8 ft³/s · quality 100 % (1) · no flooding | 6 km |
| CHATTAHOOCHEE RIVER NEAR LEAF, GA | flow 126.0 ft³/s | 12 km |
| CHATTAHOOCHEE RIVER NEAR CORNELIA, GA | flow 267.0 ft³/s · no flooding | 16 km |
| SOQUE RIVER AT GA 197, NEAR CLARKESVILLE, GA | flow 60.8 ft³/s · no flooding | 20 km |
| USGS-03544947 | flow 0.87 ft³/s · STALE | 21 km |
| CHESTATEE RIVER NEAR DAHLONEGA, GA | flow 102.0 ft³/s · quality 100 % (1) · no flooding | 22 km |
| Tallulah River at BURTON DAM | no flooding | 25 km |
| Tallulah River at NACOOCHEE DAM | no flooding | 25 km |
| WEST FORK LITTLE RIVER NEAR CLERMONT, GA | flow 17.0 ft³/s · STALE | 26 km |
| USGS-03544970 | flow 30.4 ft³/s · quality 100 % (1) · no flooding | 27 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-344314083433201 | depth 6.23 ft · 2026-10-05 | 9 km |
| USGS-342125084083301 | depth 30.6 ft · 2026-07-10 | 49 km |
| USGS-351117083545001 | depth 27.7 ft · 2009-10-04 | 62 km |
| USGS-351121083545002 | depth 6.78 ft · 2026-10-05 | 63 km |
| USGS-341020083201701 | depth 13.3 ft · 2002-04-25 | 64 km |
| USGS-345051083041800 | depth 30.9 ft · 2026-10-05 | 65 km |
| USGS-340049083551101 | depth 85.8 ft · 2011-06-01 | 72 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$851.0 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,221, highly concentrated. $218.6 m federal obligations in FY2026 (direct payments $217.6 m, grants $951,762), $23,241 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $384.4 m · 45.2% share · 2 offices | |
| United Bank | $260.5 m · 30.6% share · 1 office | |
| Regions Bank | $97.6 m · 11.5% share · 1 office | |
| White, GA | $218.6 m FY2026 · $23,241/job | |
| MULTIPLE RECIPIENTS | $216.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $384,412,000 | 45.2% | 2 |
| United Bank | $260,479,000 | 30.6% | 1 |
| Regions Bank | $97,598,000 | 11.5% | 1 |
| SouthState Bank, National Association | $87,793,000 | 10.3% | 1 |
| Apex Banking Company of Georgia | $20,752,000 | 2.4% | 1 |
Deposit concentration is 3,221 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 = 45.2² + 30.6² + 11.5² + … (2 more) = 3,221
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 | $191,533,777 |
| Department of Veterans Affairs | $24,039,920 |
| Department of Education | $1,037,697 |
| Department of Transportation | $928,019 |
| Railroad Retirement Board | $748,243 |
| Department of Agriculture | $275,765 |
| Department of Defense | $45,111 |
| Institute of Museum and Library Services | $23,743 |
| Small Business Administration | $0 |
That is $23,241 per covered job, against 9,407 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $218.6 m / 9,407 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,241
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 | 2026-10-06 | +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 | 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 #
White County, GA: 8 findings, 1 at a watch level and 7 noted
watchWhite County, GA's years of wages of 7.6 ranks 264th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 91.41084258654473 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
noteWhite County, GA's average weekly wage was 3.5% 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
- +3.5 % = 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
noteWhite County, GA's covered employment was 2.7% 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
- +2.7 % = 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
noteWhite County, GA's typical asking rent rose 0.6% from $1,767 in July 2026 to $1,779 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.6% = (1778.888888888889 - 1767.413164229785) / 1767.413164229785 × 100
- 1778.888888888889 = Zillow ZORI, 2026-08
- 1767.413164229785 = Zillow ZORI, 2026-07
noteWhite County, GA's average weekly wage of $827 ranks 149th of 159 Georgia counties, against a median of $964.
Period 2026 Q1.Show the arithmetic
- 6 on the 0-to-100 scale across 159 Georgia counties that published jobs.avgWeeklyWage
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.