Bradford County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.95, -82.17.
Assembled 2026-10-06. Read the brief.
- 56th pct · 1,335th of 3,063 US counties · median $234,566
- 19th pct · 54th of 67 Florida counties · median $307,929
- 59th pct · 1,228th of 3,063 US counties · median +2.9%
- 90th pct · 7th of 67 Florida counties · median -0.8%
- US counties: not published this period
- Florida counties: not published this period
- 55th pct · 1,419th of 3,221 US counties · median 8,232
- 30th pct · 47th of 67 Florida counties · median 43,443
- 2nd pct · 3,149th of 3,221 US counties · median $1,039
- 0th pct · 67th of 67 Florida counties · median $1,084
- 88th pct · 341st of 3,063 US counties · median 4.3
- 87th pct · 9th of 67 Florida counties · median 5.4
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 $252,406 (Aug 2026), +3.8% over one year, +31.6% over five
- 56th pct · 1,335th of 3,063 US counties · median $234,566
- 19th pct · 54th of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| Bradford County, FL | $252,406 · +3.8% 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
- Florida 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 $1,382 a month on $252,406 at 7.28%, against an average weekly wage worth $2,964 a month: 46.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $252,406 × 80% = $201,925, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,382/mo principal and interest
- wage share = payment / (avg weekly wage $684 × 52 / 12 = $2,964) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $252,406 / ($684 × 52) = 7.1
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 #
10,509 jobs at 581 employers (2026 Q1); -1.4% jobs and +1.9% average weekly wage over the year
- 55th pct · 1,419th of 3,221 US counties · median 8,232
- 30th pct · 47th of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Bradford County, FL | 10,509 jobs · $684/wk · -1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,235 | $789 | 1.21 | +3.7% |
| Accommodation and food services | 827 | $483 | 0.88 | -5.7% |
| Health care and social assistance | 514 | $857 | 0.33 | -0.8% |
| Construction | 488 | $1,214 | 0.89 | +35.2% |
| Manufacturing | 232 | $1,360 | 0.27 | -6.5% |
| Transportation and warehousing | 180 | $1,303 | 0.41 | -64.4% |
| Other services | 138 | $686 | 0.44 | +26.6% |
| Professional and technical services | 128 | $1,068 | 0.18 | -15.8% |
| Finance and insurance | 105 | $1,040 | 0.25 | -11.8% |
| Educational services | 43 | $606 | 0.19 | +10.3% |
| Arts, entertainment and recreation | 42 | $344 | 0.24 | -4.5% |
| Real estate and rental | 32 | $516 | 0.20 | -3.0% |
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 #
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$376.2 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 3,374, highly concentrated. $186.3 m federal obligations in FY2026 (direct payments $171.2 m, grants $10.5 m), $17,726 per covered job
| Item | Value | Distance |
|---|---|---|
| DLP Bank | $142.7 m · 37.9% share · 1 office | |
| Capital City Bank | $129.1 m · 34.3% share · 1 office | |
| TD Bank, National Association | $103.5 m · 27.5% share · 1 office | |
| Bradford, FL | $186.3 m FY2026 · $17,726/job | |
| MULTIPLE RECIPIENTS | $169.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| DLP Bank | $142,696,000 | 37.9% | 1 |
| Capital City Bank | $129,114,000 | 34.3% | 1 |
| TD Bank, National Association | $103,531,000 | 27.5% | 1 |
| First Federal Bank | $875,000 | 0.2% | 1 |
Deposit concentration is 3,374 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 = 37.9² + 34.3² + 27.5² + … (1 more) = 3,374
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 | $140,075,140 |
| Department of Veterans Affairs | $27,365,665 |
| Department of Transportation | $9,782,078 |
| Department of Defense | $4,391,084 |
| Railroad Retirement Board | $1,690,258 |
| Department of Agriculture | $1,454,425 |
| Department of Housing and Urban Development | $709,277 |
| Federal Communications Commission | $541,220 |
| Department of Education | $195,581 |
| Department of Justice | $70,878 |
| Department of Health and Human Services | $7,924 |
That is $17,726 per covered job, against 10,509 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $186.3 m / 10,509 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,726
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 3.00 | 2026-10-06 | -50.0% |
| 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 | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Bradford County, FL: 9 findings, 3 at a watch level and 6 noted
watchBradford County, FL's covered employment is -1.4% 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 = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBradford County, FL's typical home value of $252,406 scores 56 on the 0-to-100 scale across US counties but 20 across Florida counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |56 across US counties - 20 across Florida counties|
position among the entities that published this metric this period; not an official level
watchBradford County, FL's typical home value of +3.8% scores 60 on the 0-to-100 scale across US counties but 91 across Florida counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |60 across US counties - 91 across Florida counties|
position among the entities that published this metric this period; not an official level
noteBradford County, FL's average weekly wage was 1.9% 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
- +1.9 % = 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
noteBradford County, FL's covered employment was 1.4% 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
- -1.4 % = 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
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.