Bulloch County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.39, -81.74.
Assembled 2026-10-19. Read the brief.
- 64th pct · 1,091st of 3,063 US counties · median $230,451
- 67th pct · 53rd of 159 Georgia counties · median $215,610
- 19th pct · 2,466th of 3,062 US counties · median +2.9%
- 19th pct · 128th of 159 Georgia counties · median +2.5%
- 43rd pct · 762nd of 1,358 US counties · median $1,506
- 26th pct · 51st of 69 Georgia counties · median $1,701
- 77th pct · 731st of 3,221 US counties · median 8,232
- 81st pct · 31st of 159 Georgia counties · median 7,095
- 30th pct · 2,228th of 3,221 US counties · median $1,039
- 45th pct · 87th of 159 Georgia counties · median $964
- 74th pct · 791st of 3,063 US counties · median 4.2
- 74th pct · 41st of 159 Georgia counties · median 4.2
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 $276,176 (Sep 2026), -0.2% over one year, +44.8% over five
- 64th pct · 1,091st of 3,063 US counties · median $230,451
- 67th pct · 53rd of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Bulloch County, GA | $276,176 · -0.2% 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 $1,435/mo (Sep 2026), +0.0% over one year; price-to-rent 16.0
- 43rd pct · 762nd of 1,358 US counties · median $1,506
- 26th pct · 51st of 69 Georgia counties · median $1,701
| Item | Value | Distance |
|---|---|---|
| Bulloch County, GA | $1,435/mo · +0.0% 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 $1,530 a month on $276,176 at 7.40%, against an average weekly wage worth $4,143 a month: 36.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $276,176 × 80% = $220,941, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,530/mo principal and interest
- wage share = payment / (avg weekly wage $956 × 52 / 12 = $4,143) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $276,176 / ($956 × 52) = 5.6
- price-to-rent = $276,176 / ($1,435 × 12) = 16.0
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 #
29,231 jobs at 2,017 employers (2026 Q1); -0.1% jobs and +3.6% average weekly wage over the year
- 77th pct · 731st of 3,221 US counties · median 8,232
- 81st pct · 31st of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Bulloch County, GA | 29,231 jobs · $956/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,121 | $1,077 | 0.94 | +5.6% |
| Accommodation and food services | 4,053 | $345 | 1.54 | -0.3% |
| Retail trade | 3,766 | $690 | 1.32 | +0.9% |
| Manufacturing | 2,053 | $1,140 | 0.87 | -16.6% |
| Construction | 1,714 | $1,243 | 1.12 | +0.0% |
| Transportation and warehousing | 1,578 | $1,030 | 1.28 | +2.6% |
| Administrative and waste services | 1,003 | $713 | 0.60 | -15.9% |
| Professional and technical services | 773 | $1,205 | 0.38 | -7.4% |
| Other services | 610 | $738 | 0.70 | -2.4% |
| Finance and insurance | 600 | $1,693 | 0.50 | -1.8% |
| Real estate and rental | 524 | $972 | 1.17 | -4.7% |
| Wholesale trade | 457 | $1,355 | 0.41 | +35.2% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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 |
|---|---|---|
| BUTLER CREEK RESERVOIR AT FORT GORDON, GA | 27.4 ft (USGS, no capacity on file) | 119 km |
| SAVANNAH RVR AT STEVENS CREEK DAM NR MORGANA, SC | 184.8 ft (USGS, no capacity on file) | 133 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 #
37 gauges · 0 flooding · 16 with quality panels averaging 88 % · 5 stale
Sites found: 37, 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 |
|---|---|---|
| BACK RIVER 0.4 MI DOWNSTREAM US17, NR SAVANNAH, GA | turb. 2.20 FNU · quality 80 % (5) | 70 km |
| LITTLE BACK RIVER AT HOG ISLAND, NEAR SAVANNAH, GA | turb. 9.00 FNU · quality 80 % (5) | 65 km |
| SAVANNAH RIVER AT USACE DOCK, AT SAVANNAH, GA | flow -42,000 ft³/s · quality 80 % (5) | 71 km |
| SAVANNAH RIVER AT GA 25, AT PORT WENTWORTH, GA | flow -1,740 ft³/s · quality 60 % (5) | 61 km |
| MIDDLE RIVER AT GA 25 AT PORT WENTWORTH, GA | flow -5,320 ft³/s · quality 80 % (5) | 62 km |
| MIDDLE RIVER AT FISH HOLE AT PORT WENTWORTH, GA | flow -4,240 ft³/s · quality 60 % (5) | 64 km |
| SAVANNAH RIVER AT GARDEN CITY, GA | stage 3.74 ft · quality 70 % (5) | 65 km |
| OGEECHEE RIVER AT GA 24, NEAR OLIVER, GA | flow 1,220 ft³/s | 21 km |
| CANOOCHEE RIVER NEAR CLAXTON, GA | flow 87.9 ft³/s · no flooding | 27 km |
| OGEECHEE RIVER AT ROCKY FORD RD, NR ROCKY FORD, GA | flow 1,290 ft³/s · no flooding | 30 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 #
50 wells in 0 named aquifers:
Sites found: 50, 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-323123081511602 | depth 95.6 ft · 2026-10-18 | 18 km |
| USGS-323123081511601 | depth 100.6 ft · 2026-10-18 | 18 km |
| USGS-321240081411501 | depth 94.8 ft · 2006-06-19 | 21 km |
| USGS-321240081411502 | depth 12.1 ft · 2006-06-19 | 21 km |
| USGS-321359081361701 | depth 12.1 ft · 2001-10-25 | 22 km |
| USGS-321358081361701 | depth 15.7 ft · 2001-10-25 | 22 km |
| USGS-321347081362301 | depth 12.2 ft · 2001-06-03 | 22 km |
| USGS-321350081361601 | depth 9.83 ft · 2001-10-25 | 22 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.12 / 0.55
Banks & federal dollars #
$2.0 bn in deposits at 16 offices of 10 banks (SOD June 2026); HHI 2,193, highly concentrated. $470.7 m federal obligations in FY2026 (direct payments $453.4 m, grants $12.6 m), $16,102 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $780.3 m · 39.5% share · 3 offices | |
| Vallant Bank | $317.6 m · 16.1% share · 3 offices | |
| Renasant Bank | $236.5 m · 12.0% share · 2 offices | |
| Bulloch, GA | $470.7 m FY2026 · $16,102/job | |
| MULTIPLE RECIPIENTS | $344.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $780,252,000 | 39.5% | 3 |
| Vallant Bank | $317,634,000 | 16.1% | 3 |
| Renasant Bank | $236,521,000 | 12.0% | 2 |
| Wells Fargo Bank, National Association | $206,441,000 | 10.4% | 1 |
| Truist Bank | $165,857,000 | 8.4% | 2 |
| Citizens Bank of the South | $109,899,000 | 5.6% | 1 |
| The Citizens Bank of Swainsboro | $72,104,000 | 3.6% | 1 |
| Queensborough National Bank & Trust Company | $42,864,000 | 2.2% | 1 |
| Glennville Bank | $33,439,000 | 1.7% | 1 |
| Colony Bank | $10,638,000 | 0.5% | 1 |
Deposit concentration is 2,193 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 39.5² + 16.1² + 12.0² + … (7 more) = 2,193
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 | $281,559,239 |
| Department of Education | $82,805,537 |
| Department of Veterans Affairs | $61,039,046 |
| Department of Agriculture | $25,282,133 |
| Department of Transportation | $10,338,631 |
| Department of Defense | $3,387,596 |
| Railroad Retirement Board | $2,191,739 |
| Department of Housing and Urban Development | $2,018,853 |
| Department of Health and Human Services | $786,625 |
| Federal Communications Commission | $486,458 |
| General Services Administration | $326,661 |
| National Science Foundation | $304,989 |
That is $16,102 per covered job, against 29,231 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $470.7 m / 29,231 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,102
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Bulloch County, GA: 9 findings, 2 at a watch level and 7 noted
watchBulloch County, GA's typical home value is -0.2% 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 2026-09.Show the arithmetic
- test: home.yoyPct = -0.19716827987828478 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchBulloch County, GA's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteBulloch County, GA'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
noteBulloch County, GA's typical home value fell 0.3% from $277,042 in August 2026 to $276,176 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (276176.0184588143 - 277042.277489604) / 277042.277489604 × 100
- 276176.0184588143 = Zillow ZHVI, 2026-09
- 277042.277489604 = Zillow ZHVI, 2026-08
noteBulloch County, GA's typical asking rent fell 0.3% from $1,439 in August 2026 to $1,435 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.3% = (1435.1222822012296 - 1439.0176425661991) / 1439.0176425661991 × 100
- 1435.1222822012296 = Zillow ZORI, 2026-09
- 1439.0176425661991 = Zillow ZORI, 2026-08
Read all 9 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.