White County, GA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.64, -83.74.
Assembled 2026-10-19. Read the brief.
- 74th pct · 791st of 3,063 US counties · median $230,451
- 74th pct · 41st of 159 Georgia counties · median $215,610
- 35th pct · 1,966th of 3,062 US counties · median +2.9%
- 34th pct · 104th of 159 Georgia counties · median +2.5%
- US counties: not published this period
- Georgia counties: not published this period
- 53rd pct · 1,503rd of 3,221 US counties · median 8,232
- 63rd pct · 59th of 159 Georgia counties · median 7,095
- 8th pct · 2,937th of 3,221 US counties · median $1,039
- 6th pct · 149th of 159 Georgia counties · median $964
- 91st pct · 274th of 3,063 US counties · median 4.2
- 91st pct · 15th 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 $319,293 (Sep 2026), +1.6% over one year, +31.8% over five
- 74th pct · 791st of 3,063 US counties · median $230,451
- 74th pct · 41st of 159 Georgia counties · median $215,610
| Item | Value | Distance |
|---|---|---|
| White County, GA | $319,293 · +1.6% 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 $1,769 a month on $319,293 at 7.40%, against an average weekly wage worth $3,584 a month: 49.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $319,293 × 80% = $255,434, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,769/mo principal and interest
- wage share = payment / (avg weekly wage $827 × 52 / 12 = $3,584) = 49% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $319,293 / ($827 × 52) = 7.4
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 #
9,407 jobs at 877 employers (2026 Q1); +2.7% jobs and +3.5% average weekly wage over the year
- 53rd pct · 1,503rd of 3,221 US counties · median 8,232
- 63rd pct · 59th of 159 Georgia counties · median 7,095
| Item | Value | Distance |
|---|---|---|
| White County, GA | 9,407 jobs · $827/wk · +2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,702 | $498 | 2.01 | +3.7% |
| Retail trade | 1,492 | $636 | 1.63 | -1.7% |
| Construction | 707 | $1,572 | 1.43 | +11.5% |
| Manufacturing | 622 | $1,321 | 0.82 | -4.6% |
| Other services | 262 | $693 | 0.93 | +7.8% |
| Administrative and waste services | 254 | $685 | 0.48 | +20.4% |
| Arts, entertainment and recreation | 180 | $377 | 1.16 | +14.6% |
| Finance and insurance | 161 | $1,977 | 0.42 | -1.2% |
| Real estate and rental | 109 | $696 | 0.76 | +2.8% |
| Wholesale trade | 72 | $1,563 | 0.20 | +0.0% |
| Information | 70 | $1,311 | 0.40 | +2.9% |
| Unclassified | 37 | $1,007 | 1.85 | +54.2% |
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 #
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 #
$851.0 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,221, highly concentrated. $218.6 m federal obligations in FY2026 (direct payments $217.6 m, grants $951,762), $23,241 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $384.4 m · 45.2% share · 2 offices | |
| United Bank | $260.5 m · 30.6% share · 1 office | |
| Regions Bank | $97.6 m · 11.5% share · 1 office | |
| White, GA | $218.6 m FY2026 · $23,241/job | |
| MULTIPLE RECIPIENTS | $216.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $384,412,000 | 45.2% | 2 |
| United Bank | $260,479,000 | 30.6% | 1 |
| Regions Bank | $97,598,000 | 11.5% | 1 |
| SouthState Bank, National Association | $87,793,000 | 10.3% | 1 |
| Apex Banking Company of Georgia | $20,752,000 | 2.4% | 1 |
Deposit concentration is 3,221 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 = 45.2² + 30.6² + 11.5² + … (2 more) = 3,221
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 | $191,533,777 |
| Department of Veterans Affairs | $24,039,920 |
| Department of Education | $1,037,697 |
| Department of Transportation | $928,019 |
| Railroad Retirement Board | $748,243 |
| Department of Agriculture | $275,765 |
| Department of Defense | $45,111 |
| Institute of Museum and Library Services | $23,743 |
| Small Business Administration | $0 |
That is $23,241 per covered job, against 9,407 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $218.6 m / 9,407 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,241
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 #
White County, GA: 7 findings, 1 at a watch level and 6 noted
watchWhite County, GA's years of wages of 7.4 ranks 274th 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 = 91.0842586544742 >= 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
noteWhite County, GA's average weekly wage was 3.5% 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
- +3.5 % = 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
noteWhite County, GA's covered employment was 2.7% 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
- +2.7 % = 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
noteWhite County, GA's average weekly wage of $827 ranks 149th of 159 Georgia counties, against a median of $964.
Period 2026 Q1.Show the arithmetic
- 6 on the 0-to-100 scale across 159 Georgia counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteWhite County, GA's average weekly wage of $827 ranks 2,937th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 9 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 7 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.