Fannin County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.87, -84.32.
Assembled 2026-10-19. Read the brief.
- 93rd pct · 199th of 3,063 US counties · median $230,451
- 98th pct · 4th of 159 Georgia counties · median $215,610
- 44th pct · 1,710th of 3,062 US counties · median +2.9%
- 47th pct · 84th of 159 Georgia counties · median +2.5%
- 74th pct · 348th of 1,358 US counties · median $1,506
- 69th pct · 22nd of 69 Georgia counties · median $1,701
- 48th pct · 1,657th of 3,221 US counties · median 8,232
- 53rd pct · 74th of 159 Georgia counties · median 7,095
- 17th pct · 2,658th of 3,221 US counties · median $1,039
- 24th pct · 121st of 159 Georgia counties · median $964
- 98th pct · 61st of 3,063 US counties · median 4.2
- 99th pct · 2nd 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 $496,269 (Sep 2026), +2.4% over one year, +11.2% over five
- 93rd pct · 199th of 3,063 US counties · median $230,451
- 98th pct · 4th of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Fannin County, GA | $496,269 · +2.4% 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 $1,825/mo (Sep 2026), n/a over one year; price-to-rent 22.7
- 74th pct · 348th of 1,358 US counties · median $1,506
- 69th pct · 22nd of 69 Georgia counties · median $1,701
| Item | Value | Distance |
|---|---|---|
| Fannin County, GA | $1,825/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 $2,749 a month on $496,269 at 7.40%, against an average weekly wage worth $3,857 a month: 71.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $496,269 × 80% = $397,015, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,749/mo principal and interest
- wage share = payment / (avg weekly wage $890 × 52 / 12 = $3,857) = 71% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $496,269 / ($890 × 52) = 10.7
- price-to-rent = $496,269 / ($1,825 × 12) = 22.7
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 #
7,743 jobs at 862 employers (2026 Q1); +3.4% jobs and +0.5% average weekly wage over the year
- 48th pct · 1,657th of 3,221 US counties · median 8,232
- 53rd pct · 74th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Fannin County, GA | 7,743 jobs · $890/wk · +3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,437 | $683 | 1.90 | -6.7% |
| Accommodation and food services | 1,346 | $559 | 1.93 | -0.7% |
| Health care and social assistance | 1,156 | $1,084 | 0.99 | +21.9% |
| Construction | 402 | $1,186 | 0.99 | +0.2% |
| Administrative and waste services | 366 | $924 | 0.83 | +29.8% |
| Wholesale trade | 311 | $1,135 | 1.05 | -3.7% |
| Other services | 279 | $1,042 | 1.21 | +2.6% |
| Finance and insurance | 258 | $1,360 | 0.82 | +6.2% |
| Professional and technical services | 240 | $1,085 | 0.45 | +0.0% |
| Arts, entertainment and recreation | 174 | $599 | 1.37 | -16.3% |
| Real estate and rental | 89 | $867 | 0.75 | +9.9% |
| Educational services | 41 | $682 | 0.25 | +7.9% |
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 #
8 USGS reservoir gauges, no capacity figures to weight
Sites found: 8, 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 |
|---|---|---|
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 43 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 30.9 ft (USGS, no capacity on file) | 45 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,063 ft (USGS, no capacity on file) | 81 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 834.8 ft (USGS, no capacity on file) | 87 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 864.9 ft (USGS, no capacity on file) | 100 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 732.4 ft (USGS, no capacity on file) | 131 km |
| HARTWELL LAKE NEAR ANDERSON, SC | 649.0 ft (USGS, no capacity on file) | 139 km |
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 141 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 #
85 gauges · 0 flooding · 11 with quality panels averaging 100 % · 14 stale
Sites found: 85, 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 |
|---|---|---|
| Toccoa River at Blue Ridge Dam | no flooding | 4 km |
| USGS-03558000 | flow 163.0 ft³/s · no flooding | 11 km |
| USGS-03559500 | flow 225.0 ft³/s · no flooding | 15 km |
| USGS-03560500 | flow 7.30 ft³/s · STALE | 15 km |
| Nottely River at Nottely Dam | no readings | 23 km |
| Ocoee River above Ocoee Dam #3 | no readings | 24 km |
| CARTECAY RIVER NEAR ELLIJAY, GA | flow 107.0 ft³/s · no flooding | 24 km |
| Nottely River at Nottely River/Cook Bridge | no readings | 26 km |
| MOUNTAINTOWN CREEK AT GA 282, NEAR ELLIJAY, GA | flow 67.7 ft³/s · no flooding | 27 km |
| COOSAWATTEE RIVER NEAR ELLIJAY, GA | flow 195.0 ft³/s · 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-351117083545001 | depth 27.7 ft · 2009-10-04 | 51 km |
| USGS-351121083545002 | depth 7.62 ft · 2026-10-18 | 51 km |
| USGS-344314083433201 | depth 6.07 ft · 2026-10-18 | 56 km |
| USGS-342125084083301 | depth 31.1 ft · 2026-10-06 | 59 km |
| USGS-341913084325301 | depth -1.05 ft · 2008-04-29 | 64 km |
| USGS-342922084511601 | depth 25.0 ft · 2026-10-18 | 65 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.4 bn in deposits at 8 offices of 6 banks (SOD June 2026); HHI 4,173, highly concentrated. $254.6 m federal obligations in FY2026 (direct payments $237.1 m, contracts $10.6 m), $32,877 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $877.1 m · 60.5% share · 3 offices | |
| Bank OZK | $284.9 m · 19.7% share · 1 office | |
| SouthState Bank, National Association | $109.0 m · 7.5% share · 1 office | |
| Fannin, GA | $254.6 m FY2026 · $32,877/job | |
| MULTIPLE RECIPIENTS | $234.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $877,060,000 | 60.5% | 3 |
| Bank OZK | $284,937,000 | 19.7% | 1 |
| SouthState Bank, National Association | $109,030,000 | 7.5% | 1 |
| Truist Bank | $107,612,000 | 7.4% | 1 |
| United Bank | $43,084,000 | 3.0% | 1 |
| Peoples Bank of East Tennessee | $27,627,000 | 1.9% | 1 |
Deposit concentration is 4,173 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 60.5² + 19.7² + 7.5² + … (3 more) = 4,173
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 | $208,675,382 |
| Department of Veterans Affairs | $24,782,760 |
| Department of Agriculture | $12,221,865 |
| Department of Health and Human Services | $3,324,836 |
| Department of Transportation | $2,685,179 |
| Railroad Retirement Board | $1,458,047 |
| Department of Housing and Urban Development | $923,909 |
| Federal Communications Commission | $492,470 |
That is $32,877 per covered job, against 7,743 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $254.6 m / 7,743 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,877
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 #
Fannin County, GA: 12 findings, 3 at a watch level and 9 noted
watchFannin County, GA's years of wages of 10.7 ranks 61st 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 2026-09.Show the arithmetic
- test: yearsOfWages percentile = 98.04049640757675 >= 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
watchFannin County, GA's years of wages is 10.7, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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 2026-09.Show the arithmetic
- test: yearsOfWages = 10.723175223256064 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchFannin County, GA's typical asking rent is -1.7% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-09.Show the arithmetic
- test: rent.momPct = -1.6610357048944293 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteFannin County, GA's covered employment was 3.4% 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
- +3.4 % = 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
noteFannin County, GA's typical asking rent fell 1.7% from $1,856 in August 2026 to $1,825 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -1.7% = (1825 - 1855.8259313402511) / 1855.8259313402511 × 100
- 1825 = Zillow ZORI, 2026-09
- 1855.8259313402511 = Zillow ZORI, 2026-08
Read all 12 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.