Morgan County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.60, -83.50.
Assembled 2026-10-19. Read the brief.
- 91st pct · 273rd of 3,063 US counties · median $230,451
- 96th pct · 7th of 159 Georgia counties · median $215,610
- 89th pct · 4th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $340,765
- 47th pct · 1,593rd of 3,062 US counties · median +2.9%
- 52nd pct · 76th of 159 Georgia counties · median +2.5%
- 89th pct · 4th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median -0.4%
- US counties: not published this period
- Georgia counties: not published this period
- counties in the Atlanta-Sandy Springs-Roswell metro: not published this period
- 54th pct · 1,459th of 3,221 US counties · median 8,232
- 64th pct · 57th of 159 Georgia counties · median 7,095
- 25th pct · 22nd of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
- 71st pct · 912th of 3,221 US counties · median $1,039
- 82nd pct · 29th of 159 Georgia counties · median $964
- 57th pct · 13th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $1,138
- 91st pct · 260th of 3,063 US counties · median 4.2
- 91st pct · 14th of 159 Georgia counties · median 4.2
- 82nd pct · 6th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 5.6
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 $454,080 (Sep 2026), +2.7% over one year, +29.1% over five
- 91st pct · 273rd of 3,063 US counties · median $230,451
- 96th pct · 7th of 159 Georgia counties · median $215,610
- 89th pct · 4th of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median $340,765
| Item | Value | Distance |
|---|---|---|
| Morgan County, GA | $454,080 · +2.7% 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
- counties in the Atlanta-Sandy Springs-Roswell metro: 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 $2,515 a month on $454,080 at 7.40%, against an average weekly wage worth $5,035 a month: 50.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $454,080 × 80% = $363,264, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,515/mo principal and interest
- wage share = payment / (avg weekly wage $1,162 × 52 / 12 = $5,035) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $454,080 / ($1,162 × 52) = 7.5
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 #
9,765 jobs at 764 employers (2026 Q1); +9.9% jobs and +5.0% average weekly wage over the year
- 54th pct · 1,459th of 3,221 US counties · median 8,232
- 64th pct · 57th of 159 Georgia counties · median 7,095
- 25th pct · 22nd of 29 counties in the Atlanta-Sandy Springs-Roswell metro · median 31,378
| Item | Value | Distance |
|---|---|---|
| Morgan County, GA | 9,765 jobs · $1,162/wk · +9.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,589 | $1,400 | 2.02 | +2.3% |
| Accommodation and food services | 1,266 | $477 | 1.44 | +5.5% |
| Retail trade | 1,220 | $612 | 1.28 | +0.3% |
| Wholesale trade | 1,028 | $2,375 | 2.75 | +1.3% |
| Construction | 861 | $1,288 | 1.68 | +81.3% |
| Health care and social assistance | 754 | $1,118 | 0.51 | +0.0% |
| Other services | 314 | $794 | 1.08 | +3.3% |
| Finance and insurance | 261 | $1,936 | 0.66 | +5.7% |
| Administrative and waste services | 215 | $865 | 0.39 | +11.4% |
| Real estate and rental | 186 | $1,142 | 1.24 | +28.3% |
| Arts, entertainment and recreation | 131 | $852 | 0.81 | +3.1% |
| Educational services | 39 | $439 | 0.19 | +0.0% |
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 #
13 USGS reservoir gauges, no capacity figures to weight
Sites found: 13, 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 |
|---|---|---|
| RANDY POYNTER LAKE AT SPILLWAY, NEAR MILSTEAD, GA | 732.4 ft (USGS, no capacity on file) | 43 km |
| LAKE SIDNEY LANIER NEAR BUFORD, GA | 1,063 ft (USGS, no capacity on file) | 82 km |
| LAKE HORTON HEADWATER NEAR FAYETTEVILLE, GA | 775.2 ft (USGS, no capacity on file) | 91 km |
| CHATTAHOOCHEE RIVER AT MORGAN FALLS DAM, GA | 864.9 ft (USGS, no capacity on file) | 91 km |
| RUSSELL LAKE ABOVE CALHOUN FALLS, SC | 473.5 ft (USGS, no capacity on file) | 99 km |
| LAKE KEDRON NEAR PEACHTREE CITY, GA | 834.3 ft (USGS, no capacity on file) | 102 km |
| LAKE PEACHTREE HEADWATER AT PEACHTREE CITY, GA | 784.4 ft (USGS, no capacity on file) | 102 km |
| LAKE MCINTOSH NEAR PEACHTREE CITY, GA | 779.0 ft (USGS, no capacity on file) | 104 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 #
84 gauges · 0 flooding · 29 with quality panels averaging 100 % · 4 stale
Sites found: 84, 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 |
|---|---|---|
| LITTLE RIVER AT NEWBORN RD NEAR NEWBORN, GA | flow 3.30 ft³/s | 16 km |
| APALACHEE RIVER NEAR BOSTWICK, GA | flow 41.9 ft³/s | 21 km |
| OCONEE RIVER NEAR PENFIELD, GA | flow 170.0 ft³/s | 23 km |
| ALCOVY RIVER ABOVE COVINGTON, GA | flow 32.9 ft³/s · quality 100 % (5) | 26 km |
| EAST BEAR CREEK AT POPLAR ROAD, NR MANSFIELD, GA | flow 0.75 ft³/s | 27 km |
| APALACHEE RIVER AT SNOWS MILL RD, NR BISHOP, GA | flow 34.3 ft³/s | 27 km |
| CORNISH CREEK AT HAZELBRAND RD NR COVINGTON, GA | flow 8.45 ft³/s · quality 100 % (5) | 28 km |
| CORNISH CREEK AT LOWER JERSEY RD, NR COVINGTON, GA | flow 2.81 ft³/s | 31 km |
| ALCOVY RIVER BELOW COVINGTON, GA | flow 37.5 ft³/s | 32 km |
| LITTLE CORNISH CR COUNTY ROAD 95 NR OXFORD, GA | flow 2.06 ft³/s | 32 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-333858083430001 | depth 4.29 ft · 1994-07-23 | 21 km |
| USGS-332808083010201 | depth 5.86 ft · 2026-10-18 | 47 km |
| USGS-333954084003301 | depth 58.1 ft · 2005-09-29 | 48 km |
| USGS-333823084033501 | depth 14.9 ft · 1983-07-12 | 52 km |
| USGS-340204083132601 | depth 17.7 ft · 2026-10-18 | 55 km |
| USGS-340224083125101 | depth 32.0 ft · 2006-12-03 | 56 km |
| USGS-335712083574101 | depth 7.32 ft · 2001-11-15 | 58 km |
| USGS-335515083594201 | depth 6.57 ft · 2001-11-13 | 58 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$584.7 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 3,836, highly concentrated. $145.3 m federal obligations in FY2026 (direct payments $141.8 m, grants $4.2 m), $14,880 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Madison | $328.6 m · 56.2% share · 3 offices | |
| Truist Bank | $107.0 m · 18.3% share · 1 office | |
| United Bank | $91.8 m · 15.7% share · 1 office | |
| Morgan, GA | $145.3 m FY2026 · $14,880/job | |
| MULTIPLE RECIPIENTS | $140.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Madison | $328,584,000 | 56.2% | 3 |
| Truist Bank | $106,955,000 | 18.3% | 1 |
| United Bank | $91,815,000 | 15.7% | 1 |
| Regions Bank | $57,302,000 | 9.8% | 1 |
Deposit concentration is 3,836 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 56.2² + 18.3² + 15.7² + … (1 more) = 3,836
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 | $125,527,418 |
| Department of Veterans Affairs | $14,417,116 |
| Department of Transportation | $3,778,496 |
| Department of Agriculture | $937,054 |
| Department of Housing and Urban Development | $762,477 |
| Railroad Retirement Board | $640,860 |
| Department of Homeland Security | $19,972 |
| Federal Communications Commission | $14,834 |
| Small Business Administration | $0 |
| Department of Energy | $0 |
| Department of the Treasury | -$796,752 |
That is $14,880 per covered job, against 9,765 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $145.3 m / 9,765 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,880
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 #
Morgan County, GA: 11 findings, 1 at a watch level and 10 noted
watchMorgan County, GA's years of wages of 7.5 ranks 260th 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 = 91.54147615937296 >= 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
noteMorgan County, GA's covered employment was 9.9% 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
- +9.9 % = 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
noteMorgan County, GA's average weekly wage was 5.0% 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
- +5 % = 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
noteMorgan County, GA's covered employment of +9.9% ranks 60th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 98 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
noteMorgan County, GA's covered employment of +9.9% ranks 6th of 159 Georgia counties, against a median of +0.3%.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 159 Georgia counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 11 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.