Macon County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.36, -84.05.
Assembled 2026-10-19. Read the brief.
- 3rd pct · 2,967th of 3,063 US counties · median $230,451
- 2nd pct · 155th of 159 Georgia counties · median $215,610
- 10th pct · 2,740th of 3,062 US counties · median +2.9%
- 6th pct · 148th of 159 Georgia counties · median +2.5%
- US counties: not published this period
- Georgia counties: not published this period
- 19th pct · 2,583rd of 3,221 US counties · median 8,232
- 25th pct · 119th of 159 Georgia counties · median 7,095
- 54th pct · 1,464th of 3,221 US counties · median $1,039
- 67th pct · 53rd of 159 Georgia counties · median $964
- 2nd pct · 2,977th of 3,063 US counties · median 4.2
- 1st pct · 157th 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 $100,304 (Sep 2026), -1.9% over one year, +14.5% over five
- 3rd pct · 2,967th of 3,063 US counties · median $230,451
- 2nd pct · 155th of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| Macon County, GA | $100,304 · -1.9% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Georgia counties: not published this period
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 $556 a month on $100,304 at 7.40%, against an average weekly wage worth $4,589 a month: 12.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $100,304 × 80% = $80,243, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $556/mo principal and interest
- wage share = payment / (avg weekly wage $1,059 × 52 / 12 = $4,589) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $100,304 / ($1,059 × 52) = 1.8
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 #
2,424 jobs at 228 employers (2026 Q1); -9.8% jobs and -8.9% average weekly wage over the year
- 19th pct · 2,583rd of 3,221 US counties · median 8,232
- 25th pct · 119th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| Macon County, GA | 2,424 jobs · $1,059/wk · -9.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 400 | $737 | 1.10 | +2.0% |
| Retail trade | 273 | $605 | 1.16 | +0.0% |
| Manufacturing | 185 | $3,318 | 0.95 | -66.7% |
| Transportation and warehousing | 88 | $1,144 | 0.86 | +18.9% |
| Professional and technical services | 44 | $814 | 0.26 | +2.3% |
| Administrative and waste services | 41 | $1,184 | 0.30 | -14.6% |
| Other services | 38 | $852 | 0.52 | -22.4% |
| Construction | 35 | $1,011 | 0.28 | +9.4% |
| Finance and insurance | 25 | $1,014 | 0.25 | -3.8% |
| Real estate and rental | 9 | $712 | 0.24 | -40.0% |
| Information | 8 | $3,974 | 0.18 | -42.9% |
| Unclassified | 8 | $1,007 | 1.55 | +300.0% |
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 #
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$114.7 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,504, highly concentrated. $72.8 m federal obligations in FY2026 (direct payments $66.6 m, grants $4.0 m), $30,031 per covered job
| Item | Value | Distance |
|---|---|---|
| PNC Bank, National Association | $75.6 m · 65.9% share · 1 office | |
| Truist Bank | $39.2 m · 34.1% share · 1 office | |
| Macon, GA | $72.8 m FY2026 · $30,031/job | |
| MULTIPLE RECIPIENTS | $61.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| PNC Bank, National Association | $75,560,000 | 65.9% | 1 |
| Truist Bank | $39,156,000 | 34.1% | 1 |
Deposit concentration is 5,504 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 65.9² + 34.1² = 5,504
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 | $52,197,238 |
| Department of Veterans Affairs | $9,138,909 |
| Department of Agriculture | $6,842,784 |
| Department of Housing and Urban Development | $2,021,711 |
| Department of Transportation | $1,494,941 |
| Environmental Protection Agency | $433,080 |
| Railroad Retirement Board | $255,371 |
| Federal Communications Commission | $232,177 |
| Department of Defense | $158,842 |
| Department of Health and Human Services | $20,000 |
| Department of the Interior | $226 |
| Department of Justice | $0 |
That is $30,031 per covered job, against 2,424 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $72.8 m / 2,424 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,031
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 #
Macon County, GA: 20 findings, 1 at an alert level, 5 at a watch level and 14 noted
alertMacon County, GA's covered employment is -9.8% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -9.8 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMacon County, GA's covered employment is -9.8% 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 = -9.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMacon County, GA's average weekly wage is -8.9% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -8.9 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchMacon County, GA's typical home value is -1.9% 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 = -1.8732023946638425 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchMacon County, GA's momentum index is -0.71, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.7131718492234298 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
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.