Floyd County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.26, -85.21.
Assembled 2026-10-19. Read the brief.
- 50th pct · 1,510th of 3,063 US counties · median $230,451
- 55th pct · 71st of 159 Georgia counties · median $215,610
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 34th pct · 1,991st of 3,062 US counties · median +2.9%
- 34th pct · 105th of 159 Georgia counties · median +2.5%
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 26th pct · 993rd of 1,358 US counties · median $1,506
- 10th pct · 62nd of 69 Georgia counties · median $1,701
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 82nd pct · 562nd of 3,221 US counties · median 8,232
- 85th pct · 24th of 159 Georgia counties · median 7,095
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 46th pct · 1,707th of 3,221 US counties · median $1,039
- 61st pct · 61st of 159 Georgia counties · median $964
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
- 53rd pct · 1,431st of 3,063 US counties · median 4.2
- 54th pct · 73rd of 159 Georgia counties · median 4.2
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome 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 $232,904 (Sep 2026), +1.5% over one year, +27.2% over five
- 50th pct · 1,510th of 3,063 US counties · median $230,451
- 55th pct · 71st of 159 Georgia counties · median $215,610
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Floyd County, GA | $232,904 · +1.5% 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 $1,267/mo (Sep 2026), +1.6% over one year; price-to-rent 15.3
- 26th pct · 993rd of 1,358 US counties · median $1,506
- 10th pct · 62nd of 69 Georgia counties · median $1,701
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Floyd County, GA | $1,267/mo · +1.6% 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 $1,290 a month on $232,904 at 7.40%, against an average weekly wage worth $4,442 a month: 29.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $232,904 × 80% = $186,324, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,290/mo principal and interest
- wage share = payment / (avg weekly wage $1,025 × 52 / 12 = $4,442) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $232,904 / ($1,025 × 52) = 4.4
- price-to-rent = $232,904 / ($1,267 × 12) = 15.3
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 #
44,608 jobs at 2,451 employers (2026 Q1); +0.3% jobs and +0.7% average weekly wage over the year
- 82nd pct · 562nd of 3,221 US counties · median 8,232
- 85th pct · 24th of 159 Georgia counties · median 7,095
- counties in the Rome metro: Rank context is unavailable: the manifest lists 1 counties in the Rome metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Floyd County, GA | 44,608 jobs · $1,025/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,888 | $1,473 | 1.32 | -3.6% |
| Administrative and waste services | 7,342 | $379 | 2.90 | +8.9% |
| Manufacturing | 6,257 | $1,379 | 1.74 | +2.5% |
| Retail trade | 4,821 | $688 | 1.11 | -0.5% |
| Accommodation and food services | 4,343 | $476 | 1.08 | -2.0% |
| Educational services | 1,158 | $1,121 | 1.21 | -2.7% |
| Wholesale trade | 1,009 | $1,365 | 0.59 | -6.1% |
| Construction | 837 | $1,252 | 0.36 | -0.2% |
| Finance and insurance | 800 | $2,132 | 0.44 | -3.0% |
| Other services | 697 | $750 | 0.52 | -12.7% |
| Transportation and warehousing | 631 | $1,050 | 0.34 | -6.1% |
| Real estate and rental | 362 | $1,021 | 0.53 | +19.5% |
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 #
$2.4 bn in deposits at 13 offices of 8 banks (SOD June 2026); HHI 1,399, moderately concentrated. $627.7 m federal obligations in FY2026 (direct payments $621.6 m, contracts $3.8 m), $14,071 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $512.9 m · 21.6% share · 2 offices | |
| Bank OZK | $394.8 m · 16.6% share · 1 office | |
| River City Bank | $321.0 m · 13.5% share · 1 office | |
| Floyd, GA | $627.7 m FY2026 · $14,071/job | |
| MULTIPLE RECIPIENTS | $569.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $512,934,000 | 21.6% | 2 |
| Bank OZK | $394,823,000 | 16.6% | 1 |
| River City Bank | $320,958,000 | 13.5% | 1 |
| Pinnacle Bank | $255,173,000 | 10.8% | 1 |
| Regions Bank | $253,938,000 | 10.7% | 2 |
| Truist Bank | $236,628,000 | 10.0% | 2 |
| Wells Fargo Bank, National Association | $208,230,000 | 8.8% | 1 |
| First National Community Bank | $188,994,000 | 8.0% | 3 |
Deposit concentration is 1,399 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 21.6² + 16.6² + 13.5² + … (5 more) = 1,399
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 | $510,292,866 |
| Department of Veterans Affairs | $57,464,833 |
| Department of Education | $41,547,643 |
| Department of Housing and Urban Development | $11,071,133 |
| Department of Agriculture | $3,348,409 |
| General Services Administration | $2,404,022 |
| Federal Communications Commission | $1,748,362 |
| Railroad Retirement Board | $1,676,716 |
| National Science Foundation | $705,457 |
| Department of Health and Human Services | $273,018 |
| Institute of Museum and Library Services | $99,544 |
| Department of Defense | $85,224 |
That is $14,071 per covered job, against 44,608 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $627.7 m / 44,608 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,071
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 #
Floyd County, GA: 6 findings, 6 noted
noteFloyd County, GA's typical asking rent rose 2.1% from $1,241 in August 2026 to $1,267 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +2.1% = (1267.1222222222223 - 1241.2824018986555) / 1241.2824018986555 × 100
- 1267.1222222222223 = Zillow ZORI, 2026-09
- 1241.2824018986555 = Zillow ZORI, 2026-08
noteFloyd County, GA's average weekly wage was 0.7% 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
- +0.7 % = 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
noteFloyd County, GA's covered employment was 0.3% 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
- +0.3 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Floyd County, GA is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering Floyd County, GA is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.