Hall County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.32, -83.82.
Assembled 2026-10-19. Read the brief.
- 84th pct · 472nd of 3,063 US counties · median $230,451
- 86th pct · 22nd of 159 Georgia counties · median $215,610
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 13th pct · 2,664th of 3,062 US counties · median +2.9%
- 11th pct · 141st of 159 Georgia counties · median +2.5%
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 65th pct · 469th of 1,358 US counties · median $1,506
- 50th pct · 35th of 69 Georgia counties · median $1,701
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 90th pct · 292nd of 3,221 US counties · median 8,232
- 95th pct · 8th of 159 Georgia counties · median 7,095
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 84th pct · 484th of 3,221 US counties · median $1,039
- 94th pct · 10th of 159 Georgia counties · median $964
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 75th pct · 737th of 3,063 US counties · median 4.2
- 76th pct · 38th of 159 Georgia counties · median 4.2
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville 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 $385,567 (Sep 2026), -1.3% over one year, +23.8% over five
- 84th pct · 472nd of 3,063 US counties · median $230,451
- 86th pct · 22nd of 159 Georgia counties · median $215,610
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hall County, GA | $385,567 · -1.3% 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 $1,701/mo (Sep 2026), +2.8% over one year; price-to-rent 18.9
- 65th pct · 469th of 1,358 US counties · median $1,506
- 50th pct · 35th of 69 Georgia counties · median $1,701
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hall County, GA | $1,701/mo · +2.8% 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 $2,136 a month on $385,567 at 7.40%, against an average weekly wage worth $5,642 a month: 37.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $385,567 × 80% = $308,454, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,136/mo principal and interest
- wage share = payment / (avg weekly wage $1,302 × 52 / 12 = $5,642) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $385,567 / ($1,302 × 52) = 5.7
- price-to-rent = $385,567 / ($1,701 × 12) = 18.9
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 #
102,237 jobs at 5,998 employers (2026 Q1); -0.2% jobs and +3.3% average weekly wage over the year
- 90th pct · 292nd of 3,221 US counties · median 8,232
- 95th pct · 8th of 159 Georgia counties · median 7,095
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 1 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hall County, GA | 102,237 jobs · $1,302/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 22,693 | $1,258 | 2.76 | -10.1% |
| Health care and social assistance | 17,148 | $1,617 | 1.11 | +5.7% |
| Retail trade | 9,435 | $760 | 0.95 | -1.4% |
| Accommodation and food services | 7,886 | $473 | 0.86 | +3.1% |
| Administrative and waste services | 5,723 | $857 | 0.98 | +6.6% |
| Wholesale trade | 5,473 | $1,548 | 1.40 | +18.2% |
| Transportation and warehousing | 5,098 | $1,299 | 1.18 | +7.8% |
| Professional and technical services | 2,671 | $1,612 | 0.38 | -3.8% |
| Finance and insurance | 1,940 | $2,061 | 0.47 | +0.1% |
| Other services | 1,849 | $904 | 0.61 | -5.5% |
| Management of companies | 1,481 | $1,864 | 0.87 | +5.4% |
| Educational services | 1,199 | $738 | 0.55 | -1.2% |
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 #
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 #
14 USGS reservoir gauges, no capacity figures to weight
Sites found: 14, 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 |
|---|---|---|
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,063 ft (USGS, no capacity on file) | 29 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 865.0 ft (USGS, no capacity on file) | 65 km |
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 732.4 ft (USGS, no capacity on file) | 66 km |
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 85 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 834.8 ft (USGS, no capacity on file) | 85 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 30.8 ft (USGS, no capacity on file) | 86 km |
| HARTWELL LAKE NEAR ANDERSON, SC | 648.9 ft (USGS, no capacity on file) | 91 km |
| RUSSELL LAKE ABOVE CALHOUN FALLS, SC | 473.5 ft (USGS, no capacity on file) | 113 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 #
125 gauges · 0 flooding · 52 with quality panels averaging 100 % · 7 stale
Sites found: 125, 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 |
|---|---|---|
| WEST FORK LITTLE RIVER NEAR CLERMONT, GA | flow 17.0 ft³/s · STALE | 11 km |
| ETOWAH RIVER AT GA 136, NEAR LANDDRUM, GA | flow 60.4 ft³/s · quality 100 % (3) | 21 km |
| ETOWAH RIVER 0.2 MI DS GA 53, NR DAWSONVILLE, GA | flow 71.4 ft³/s | 24 km |
| RUSSELL CRK 0.3 MI DS HEAD LAKE NR DAWSONVILLE, GA | stage 0.52 ft · quality 100 % (5) | 24 km |
| CHESTATEE RIVER NEAR DAHLONEGA, GA | flow 74.4 ft³/s · quality 100 % (1) | 26 km |
| IVY CREEK AT THOMPSON MILL ROAD, NEAR BUFORD, GA | stage 1.87 ft | 26 km |
| WHEELER CREEK AT BILL CHEEK ROAD, NEAR AUBURN, GA | flow 0.90 ft³/s · quality 100 % (3) | 26 km |
| MULBERRY RIVER AT PEACHTREE RD, AT HOSCHTON, GA | stage 5.57 ft | 27 km |
| ETOWAH RIVER AT GA 9, NEAR DAWSONVILLE, GA | flow 68.4 ft³/s · quality 100 % (3) | 27 km |
| L MULBERRY R AT OLD THOMPSON MILL, NR HOSCHTON, GA | stage 2.62 ft | 29 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 #
43 wells in 0 named aquifers:
Sites found: 43, 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-342125084083301 | depth 31.1 ft · 2026-10-06 | 30 km |
| USGS-340049083551101 | depth 85.8 ft · 2011-06-01 | 35 km |
| USGS-335905083565102 | depth 13.6 ft · 2008-02-24 | 39 km |
| USGS-335905083565101 | depth 13.9 ft · 2008-02-24 | 39 km |
| USGS-335902083565901 | depth -14.1 ft · 2001-10-09 | 39 km |
| USGS-335839083572301 | depth 31.9 ft · 2006-10-25 | 40 km |
| USGS-335752083584801 | depth 0.34 ft · 2000-01-19 | 42 km |
| USGS-335735083584502 | depth 100.4 ft · 1997-08-03 | 42 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$5.8 bn in deposits at 38 offices of 16 banks (SOD June 2026); HHI 1,145, moderately concentrated. $1.3 bn federal obligations in FY2026 (direct payments $1.2 bn, contracts $97.3 m), $12,716 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $1.1 bn · 18.2% share · 6 offices | |
| United Community Bank | $893.0 m · 15.3% share · 4 offices | |
| Wells Fargo Bank, National Association | $830.0 m · 14.2% share · 5 offices | |
| Hall, GA | $1.3 bn FY2026 · $12,716/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $1,065,743,000 | 18.2% | 6 |
| United Community Bank | $892,998,000 | 15.3% | 4 |
| Wells Fargo Bank, National Association | $829,982,000 | 14.2% | 5 |
| Peach State Bank & Trust | $706,660,000 | 12.1% | 2 |
| Regions Bank | $628,082,000 | 10.7% | 5 |
| Bank of America, National Association | $400,116,000 | 6.8% | 2 |
| Ameris Bank | $308,613,000 | 5.3% | 2 |
| Bank OZK | $190,991,000 | 3.3% | 1 |
| JPMorgan Chase Bank, National Association | $190,282,000 | 3.3% | 1 |
| Vallant Bank | $162,893,000 | 2.8% | 3 |
Deposit concentration is 1,145 across 16 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 18.2² + 15.3² + 14.2² + … (13 more) = 1,145
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 | $1,018,047,441 |
| Department of Veterans Affairs | $110,764,015 |
| Department of Agriculture | $77,509,589 |
| Department of Health and Human Services | $29,673,443 |
| Department of Defense | $20,439,571 |
| Department of Education | $19,080,444 |
| Department of Transportation | $10,899,647 |
| Railroad Retirement Board | $3,840,158 |
| Federal Communications Commission | $3,484,434 |
| Department of Housing and Urban Development | $3,042,258 |
| Appalachian Regional Commission | $2,000,000 |
| Department of Justice | $782,693 |
That is $12,716 per covered job, against 102,237 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.3 bn / 102,237 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,716
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 #
Hall County, GA: 10 findings, 2 at a watch level and 8 noted
watchHall County, GA's typical home value is -1.3% 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 = -1.3231889859160029 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchHall County, GA's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHall County, GA's average weekly wage was 3.3% 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
- +3.3 % = 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
noteHall County, GA's covered employment was 0.2% 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
- -0.2 % = 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
noteHall County, GA's covered employment of 102,237 ranks 8th of 159 Georgia counties, against a median of 7,095.
Period 2026 Q1.Show the arithmetic
- 96 on the 0-to-100 scale across 159 Georgia counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 10 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.