Oconee County, SC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.75, -83.06.
Assembled 2026-10-06. Read the brief.
- 67th pct · 996th of 3,063 US counties · median $234,566
- 71st pct · 14th of 46 South Carolina counties · median $218,959
- 47th pct · 1,603rd of 3,063 US counties · median +2.9%
- 68th pct · 15th of 46 South Carolina counties · median +1.2%
- 44th pct · 777th of 1,399 US counties · median $1,496
- 26th pct · 20th of 27 South Carolina counties · median $1,528
- 75th pct · 789th of 3,221 US counties · median 8,232
- 60th pct · 19th of 46 South Carolina counties · median 18,411
- 79th pct · 667th of 3,221 US counties · median $1,039
- 75th pct · 12th of 46 South Carolina counties · median $1,061
- 55th pct · 1,367th of 3,063 US counties · median 4.3
- 64th pct · 17th of 46 South Carolina counties · median 4.1
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 $291,125 (Aug 2026), +2.7% over one year, +28.2% over five
- 67th pct · 996th of 3,063 US counties · median $234,566
- 71st pct · 14th of 46 South Carolina counties · median $218,959
| Item | Value | Distance |
|---|---|---|
| Oconee County, SC | $291,125 · +2.7% 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 $1,438/mo (Aug 2026), +2.7% over one year; price-to-rent 16.9
- 44th pct · 777th of 1,399 US counties · median $1,496
- 26th pct · 20th of 27 South Carolina counties · median $1,528
| Item | Value | Distance |
|---|---|---|
| Oconee County, SC | $1,438/mo · +2.7% 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 $1,594 a month on $291,125 at 7.28%, against an average weekly wage worth $5,339 a month: 29.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $291,125 × 80% = $232,900, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,594/mo principal and interest
- wage share = payment / (avg weekly wage $1,232 × 52 / 12 = $5,339) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $291,125 / ($1,232 × 52) = 4.5
- price-to-rent = $291,125 / ($1,438 × 12) = 16.9
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 #
25,776 jobs at 2,052 employers (2026 Q1); +0.5% jobs and +3.6% average weekly wage over the year
- 75th pct · 789th of 3,221 US counties · median 8,232
- 60th pct · 19th of 46 South Carolina counties · median 18,411
| Item | Value | Distance |
|---|---|---|
| Oconee County, SC | 25,776 jobs · $1,232/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 6,007 | $1,547 | 2.90 | -3.9% |
| Retail trade | 3,724 | $702 | 1.48 | -0.3% |
| Accommodation and food services | 2,061 | $396 | 0.89 | +5.3% |
| Health care and social assistance | 1,878 | $1,320 | 0.48 | -3.4% |
| Construction | 1,731 | $1,196 | 1.28 | +11.0% |
| Administrative and waste services | 1,161 | $1,272 | 0.79 | +10.0% |
| Other services | 708 | $790 | 0.92 | +4.4% |
| Professional and technical services | 705 | $1,466 | 0.40 | +2.3% |
| Finance and insurance | 556 | $1,382 | 0.53 | -7.8% |
| Arts, entertainment and recreation | 489 | $446 | 1.15 | -2.2% |
| Wholesale trade | 460 | $2,462 | 0.47 | -0.4% |
| Information | 298 | $1,325 | 0.63 | -6.3% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.7 bn in deposits at 20 offices of 10 banks (SOD June 2026); HHI 1,366, moderately concentrated. $691.0 m federal obligations in FY2026 (direct payments $669.5 m, grants $18.2 m), $26,806 per covered job
| Item | Value | Distance |
|---|---|---|
| Oconee Federal Savings and Loan Association | $386.1 m · 23.0% share · 4 offices | |
| Wells Fargo Bank, National Association | $276.8 m · 16.5% share · 1 office | |
| TowneBank | $229.3 m · 13.6% share · 4 offices | |
| Oconee, SC | $691.0 m FY2026 · $26,806/job | |
| MULTIPLE RECIPIENTS | $666.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Oconee Federal Savings and Loan Association | $386,141,000 | 23.0% | 4 |
| Wells Fargo Bank, National Association | $276,754,000 | 16.5% | 1 |
| TowneBank | $229,262,000 | 13.6% | 4 |
| Truist Bank | $165,417,000 | 9.8% | 1 |
| Blue Ridge Bank | $153,499,000 | 9.1% | 4 |
| First-Citizens Bank & Trust Company | $150,747,000 | 9.0% | 2 |
| SouthState Bank, National Association | $118,667,000 | 7.1% | 1 |
| Bank of America, National Association | $110,376,000 | 6.6% | 1 |
| TD Bank, National Association | $84,291,000 | 5.0% | 1 |
| Woodforest National Bank | $4,606,000 | 0.3% | 1 |
Deposit concentration is 1,366 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 = 23.0² + 16.5² + 13.6² + … (7 more) = 1,366
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 | $592,377,041 |
| Department of Veterans Affairs | $72,003,100 |
| Department of Transportation | $16,555,338 |
| Department of Agriculture | $2,462,125 |
| Department of Defense | $1,937,417 |
| Railroad Retirement Board | $1,930,776 |
| Department of Housing and Urban Development | $1,396,634 |
| Department of Health and Human Services | $1,062,200 |
| Federal Communications Commission | $596,184 |
| Department of Education | $309,505 |
| Department of Justice | $250,000 |
| National Aeronautics and Space Administration | $30,880 |
That is $26,806 per covered job, against 25,776 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $691.0 m / 25,776 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,806
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 #
Oconee County, SC: 5 findings, 5 noted
noteOconee County, SC's average weekly wage was 3.6% 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
- +3.6 % = 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
noteOconee County, SC's covered employment was 0.5% 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
- +0.5 % = 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
noteOconee County, SC's typical asking rent rose 0.3% from $1,433 in July 2026 to $1,438 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.3% = (1437.6727272727273 - 1433.376566611061) / 1433.376566611061 × 100
- 1437.6727272727273 = Zillow ZORI, 2026-08
- 1433.376566611061 = Zillow ZORI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Oconee County, SC 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
noteThe next Zillow ZORI typical rent (monthly) covering Oconee County, SC 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.