Hart County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.35, -82.96.
Assembled 2026-10-19. Read the brief.
- 72nd pct · 855th of 3,063 US counties · median $230,451
- 73rd pct · 43rd of 159 Georgia counties · median $215,610
- 33rd pct · 2,033rd of 3,062 US counties · median +2.9%
- 31st pct · 109th of 159 Georgia counties · median +2.5%
- 66th pct · 449th of 1,358 US counties · median $1,506
- 51st pct · 34th of 69 Georgia counties · median $1,701
- 51st pct · 1,548th of 3,221 US counties · median 8,232
- 62nd pct · 61st of 159 Georgia counties · median 7,095
- 57th pct · 1,353rd of 3,221 US counties · median $1,039
- 71st pct · 46th of 159 Georgia counties · median $964
- 73rd pct · 802nd of 3,063 US counties · median 4.2
- 74th pct · 42nd 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 $310,321 (Sep 2026), +1.4% over one year, +20.8% over five
- 72nd pct · 855th of 3,063 US counties · median $230,451
- 73rd pct · 43rd of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Hart County, GA | $310,321 · +1.4% 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 $1,726/mo (Sep 2026), n/a over one year; price-to-rent 15.0
- 66th pct · 449th of 1,358 US counties · median $1,506
- 51st pct · 34th of 69 Georgia counties · median $1,701
| Item | Value | Distance |
|---|---|---|
| Hart County, GA | $1,726/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 $1,719 a month on $310,321 at 7.40%, against an average weekly wage worth $4,667 a month: 36.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $310,321 × 80% = $248,257, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,719/mo principal and interest
- wage share = payment / (avg weekly wage $1,077 × 52 / 12 = $4,667) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $310,321 / ($1,077 × 52) = 5.5
- price-to-rent = $310,321 / ($1,726 × 12) = 15.0
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 #
8,753 jobs at 615 employers (2026 Q1); +7.6% jobs and +8.2% average weekly wage over the year
- 51st pct · 1,548th of 3,221 US counties · median 8,232
- 62nd pct · 61st of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Hart County, GA | 8,753 jobs · $1,077/wk · +7.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,393 | $1,383 | 4.82 | +18.1% |
| Retail trade | 1,072 | $536 | 1.26 | +2.3% |
| Accommodation and food services | 715 | $375 | 0.91 | -6.2% |
| Health care and social assistance | 495 | $1,064 | 0.38 | -1.6% |
| Administrative and waste services | 408 | $1,028 | 0.82 | +25.9% |
| Construction | 387 | $983 | 0.84 | +0.0% |
| Agriculture, forestry, fishing | 249 | $933 | 3.94 | +5.5% |
| Finance and insurance | 146 | $2,674 | 0.41 | +5.0% |
| Utilities | 129 | $2,270 | 3.73 | -3.0% |
| Arts, entertainment and recreation | 99 | $379 | 0.69 | +1.0% |
| Wholesale trade | 59 | $812 | 0.18 | +25.5% |
| Real estate and rental | 47 | $858 | 0.35 | -6.0% |
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 #
D2 severe 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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$566.4 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,309, highly concentrated. $209.6 m federal obligations in FY2026 (direct payments $190.9 m, contracts $16.1 m), $23,945 per covered job
| Item | Value | Distance |
|---|---|---|
| Vallant Bank | $176.3 m · 31.1% share · 1 office | |
| Pinnacle Bank | $152.2 m · 26.9% share · 1 office | |
| Northeast Georgia Bank | $104.6 m · 18.5% share · 1 office | |
| Hart, GA | $209.6 m FY2026 · $23,945/job | |
| MULTIPLE RECIPIENTS | $189.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Vallant Bank | $176,281,000 | 31.1% | 1 |
| Pinnacle Bank | $152,199,000 | 26.9% | 1 |
| Northeast Georgia Bank | $104,578,000 | 18.5% | 1 |
| First-Citizens Bank & Trust Company | $67,063,000 | 11.8% | 1 |
| SouthState Bank, National Association | $66,232,000 | 11.7% | 1 |
Deposit concentration is 2,309 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 31.1² + 26.9² + 18.5² + … (2 more) = 2,309
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 | $175,501,742 |
| Department of Defense | $16,081,190 |
| Department of Veterans Affairs | $13,500,689 |
| Department of Agriculture | $1,362,243 |
| Department of Transportation | $1,358,806 |
| Department of Housing and Urban Development | $934,607 |
| Railroad Retirement Board | $484,343 |
| Federal Communications Commission | $335,003 |
| Department of Commerce | $34,895 |
That is $23,945 per covered job, against 8,753 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $209.6 m / 8,753 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,945
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 #
Hart County, GA: 9 findings, 9 noted
noteHart County, GA's average weekly wage was 8.2% 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
- +8.2 % = 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
noteHart County, GA's covered employment was 7.6% 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
- +7.6 % = 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
noteHart County, GA's typical asking rent rose 3.0% from $1,676 in August 2026 to $1,726 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +3.0% = (1726.25 - 1676.4192671887902) / 1676.4192671887902 × 100
- 1726.25 = Zillow ZORI, 2026-09
- 1676.4192671887902 = Zillow ZORI, 2026-08
noteHart County, GA's covered employment of +7.6% ranks 99th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteHart County, GA's momentum index of 0.70 ranks 192nd of 3,221 US counties, against a median of 0.23.
Period 2026-09.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
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.