Whitfield County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.80, -84.97.
Assembled 2026-10-06. Read the brief.
- 54th pct · 1,387th of 3,063 US counties · median $234,566
- 60th pct · 64th of 159 Georgia counties · median $219,820
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
- 19th pct · 2,459th of 3,063 US counties · median +2.9%
- 18th pct · 130th of 159 Georgia counties · median +2.6%
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
- 48th pct · 715th of 1,399 US counties · median $1,496
- 36th pct · 46th of 72 Georgia counties · median $1,651
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
- 85th pct · 476th of 3,221 US counties · median 8,232
- 90th pct · 16th of 159 Georgia counties · median 7,095
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
- 60th pct · 1,285th of 3,221 US counties · median $1,039
- 74th pct · 41st of 159 Georgia counties · median $964
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
- 51st pct · 1,477th of 3,063 US counties · median 4.3
- 53rd pct · 75th of 159 Georgia counties · median 4.3
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton 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 $247,187 (Aug 2026), -0.1% over one year, +30.8% over five
- 54th pct · 1,387th of 3,063 US counties · median $234,566
- 60th pct · 64th of 159 Georgia counties · median $219,820
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Whitfield County, GA | $247,187 · -0.1% 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 $1,488/mo (Aug 2026), +4.9% over one year; price-to-rent 13.8
- 48th pct · 715th of 1,399 US counties · median $1,496
- 36th pct · 46th of 72 Georgia counties · median $1,651
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Whitfield County, GA | $1,488/mo · +4.9% 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 $1,353 a month on $247,187 at 7.28%, against an average weekly wage worth $4,715 a month: 28.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $247,187 × 80% = $197,749, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,353/mo principal and interest
- wage share = payment / (avg weekly wage $1,088 × 52 / 12 = $4,715) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $247,187 / ($1,088 × 52) = 4.4
- price-to-rent = $247,187 / ($1,488 × 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 #
55,650 jobs at 2,699 employers (2026 Q1); -1.5% jobs and -1.8% average weekly wage over the year
- 85th pct · 476th of 3,221 US counties · median 8,232
- 90th pct · 16th of 159 Georgia counties · median 7,095
- counties in the Dalton metro: Rank context is unavailable: the manifest lists 2 counties in the Dalton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Whitfield County, GA | 55,650 jobs · $1,088/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 17,443 | $1,043 | 3.90 | -4.4% |
| Health care and social assistance | 5,267 | $1,291 | 0.63 | -4.3% |
| Retail trade | 4,879 | $715 | 0.90 | -2.8% |
| Professional and technical services | 4,506 | $1,662 | 1.17 | +0.9% |
| Accommodation and food services | 3,663 | $413 | 0.73 | +2.2% |
| Wholesale trade | 3,477 | $1,223 | 1.63 | +2.9% |
| Administrative and waste services | 3,319 | $680 | 1.05 | +8.2% |
| Transportation and warehousing | 2,636 | $1,227 | 1.12 | -8.7% |
| Finance and insurance | 769 | $1,515 | 0.34 | +2.9% |
| Other services | 698 | $953 | 0.42 | -12.8% |
| Management of companies | 618 | $2,622 | 0.66 | +2.7% |
| Real estate and rental | 304 | $907 | 0.36 | +4.8% |
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 #
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 #
$2.8 bn in deposits at 20 offices of 10 banks (SOD June 2026); HHI 1,359, moderately concentrated. $496.4 m federal obligations in FY2026 (direct payments $486.3 m, grants $9.9 m), $8,921 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $549.7 m · 20.0% share · 2 offices | |
| Wells Fargo Bank, National Association | $480.8 m · 17.5% share · 3 offices | |
| Bank OZK | $431.1 m · 15.7% share · 1 office | |
| Whitfield, GA | $496.4 m FY2026 · $8,921/job | |
| MULTIPLE RECIPIENTS | $466.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $549,739,000 | 20.0% | 2 |
| Wells Fargo Bank, National Association | $480,822,000 | 17.5% | 3 |
| Bank OZK | $431,054,000 | 15.7% | 1 |
| Regions Bank | $333,595,000 | 12.1% | 2 |
| FirstBank | $285,921,000 | 10.4% | 2 |
| Builtwell Bank | $261,900,000 | 9.5% | 5 |
| Bank of America, National Association | $132,315,000 | 4.8% | 1 |
| Pinnacle Bank | $119,442,000 | 4.3% | 1 |
| First National Community Bank | $118,739,000 | 4.3% | 2 |
| Millennium Bank | $37,179,000 | 1.4% | 1 |
Deposit concentration is 1,359 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 20.0² + 17.5² + 15.7² + … (7 more) = 1,359
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 | $425,121,537 |
| Department of Veterans Affairs | $40,372,329 |
| Department of Education | $18,567,590 |
| Department of Transportation | $7,273,878 |
| Federal Communications Commission | $1,309,850 |
| Department of Health and Human Services | $978,384 |
| Railroad Retirement Board | $963,016 |
| Department of Housing and Urban Development | $780,404 |
| Department of Commerce | $482,250 |
| Department of Agriculture | $362,503 |
| National Science Foundation | $206,392 |
| Department of State | $14,390 |
That is $8,921 per covered job, against 55,650 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $496.4 m / 55,650 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,921
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 #
Whitfield County, GA: 11 findings, 3 at a watch level and 8 noted
watchWhitfield County, GA's average weekly wage is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchWhitfield County, GA's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWhitfield County, GA's typical home value is -0.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.13173045465096392 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteWhitfield County, GA's average weekly wage was 1.8% 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
- -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
noteWhitfield County, GA's covered employment was 1.5% 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
- -1.5 % = 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
Read all 11 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.