Calhoun County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.39, -85.20.
Assembled 2026-10-06. Read the brief.
- 26th pct · 2,244th of 3,063 US counties · median $234,566
- 0th pct · 67th of 67 Florida counties · median $307,929
- 5th pct · 2,898th of 3,063 US counties · median +2.9%
- 3rd pct · 65th of 67 Florida counties · median -0.8%
- US counties: not published this period
- Florida counties: not published this period
- 23rd pct · 2,465th of 3,221 US counties · median 8,232
- 4th pct · 64th of 67 Florida counties · median 43,443
- 16th pct · 2,703rd of 3,221 US counties · median $1,039
- 7th pct · 62nd of 67 Florida counties · median $1,084
- 40th pct · 1,817th of 3,063 US counties · median 4.3
- 6th pct · 63rd 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 $176,870 (Aug 2026), -4.1% over one year, +9.6% over five
- 26th pct · 2,244th of 3,063 US counties · median $234,566
- 0th pct · 67th of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| Calhoun County, FL | $176,870 · -4.1% 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 $968 a month on $176,870 at 7.28%, against an average weekly wage worth $3,822 a month: 25.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $176,870 × 80% = $141,496, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $968/mo principal and interest
- wage share = payment / (avg weekly wage $882 × 52 / 12 = $3,822) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $176,870 / ($882 × 52) = 3.9
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 #
2,887 jobs at 273 employers (2026 Q1); -11.8% jobs and +10.2% average weekly wage over the year
- 23rd pct · 2,465th of 3,221 US counties · median 8,232
- 4th pct · 64th of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Calhoun County, FL | 2,887 jobs · $882/wk · -11.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 644 | $984 | 1.48 | -33.2% |
| Retail trade | 324 | $550 | 1.15 | +0.6% |
| Construction | 220 | $916 | 1.45 | -7.9% |
| Wholesale trade | 91 | $755 | 0.82 | -28.9% |
| Transportation and warehousing | 56 | $1,347 | 0.46 | -3.4% |
| Professional and technical services | 48 | $1,596 | 0.24 | +0.0% |
| Other services | 34 | $884 | 0.39 | +0.0% |
| Administrative and waste services | 33 | $899 | 0.20 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Manufacturing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld |
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.3 ft (USGS, no capacity on file) | 48 km |
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.7 ft (USGS, no capacity on file) | 97 km |
| WALTER F. GEORGE RESERVOIR NEAR FORT GAINES, GA | 189.1 ft (USGS, no capacity on file) | 138 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 #
63 gauges · 0 flooding · 9 with quality panels averaging 94 % · 10 stale
Sites found: 63, 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 |
|---|---|---|
| IWW EAST OF GULF CO CANAL NEAR PORT ST JOE, FL | flow 3,520 ft³/s · quality 75 % (4) | 56 km |
| IWW WEST OF GULF CO CANAL NEAR PORT ST JOE, FL | flow 1,550 ft³/s · quality 75 % (4) | 56 km |
| Chipola River at Scott's Ferry | no flooding | 12 km |
| CHIPOLA RIVER NR ALTHA, FLA. | flow 1,250 ft³/s · no flooding | 16 km |
| APALACHICOLA RIVER NR BLOUNTSTOWN,FLORIDA | flow 10,500 ft³/s · no flooding | 16 km |
| Bear Creek at US 231 | no flooding | 26 km |
| TELOGIA CREEK NR BRISTOL, FLA. | flow 93.2 ft³/s · out of service · STALE | 26 km |
| APALACHICOLA R.AB CHIPOLA CUTOFF NR WEWAHITCHKA,FL | flow 8,440 ft³/s · no flooding | 29 km |
| Chipola River near Wewahitchka (Lands Landing) | low threshold | 33 km |
| Econfina Creek at State Road 20 | out of service | 34 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 #
31 wells in 2 named aquifers: Floridan aquifer system, Surficial aquifer system
Sites found: 31, 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 |
|---|---|---|
| Floridan aquifer system | depth -9.05 ft · 1973-05-14 | 7 km |
| Floridan aquifer system | depth 3.45 ft · 1973-05-14 | 16 km |
| Floridan aquifer system | depth -11.8 ft · 1973-05-14 | 16 km |
| Floridan aquifer system | depth -3.03 ft · 1973-05-14 | 23 km |
| Floridan aquifer system | depth 15.7 ft · 1984-06-20 | 31 km |
| Floridan aquifer system | depth -2.46 ft · 1973-05-02 | 39 km |
| Surficial aquifer system | depth 65.4 ft · 1975-09-19 | 39 km |
| Floridan aquifer system | level 60.6 ft · 2016-01-26 | 39 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 #
low (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$213.5 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 2,916, highly concentrated. $84.4 m federal obligations in FY2026 (direct payments $80.7 m, grants $3.7 m), $29,240 per covered job
| Item | Value | Distance |
|---|---|---|
| PeoplesSouth Bank | $89.7 m · 42.0% share · 1 office | |
| Ameris Bank | $48.0 m · 22.5% share · 1 office | |
| Regions Bank | $43.8 m · 20.5% share · 1 office | |
| Calhoun, FL | $84.4 m FY2026 · $29,240/job | |
| MULTIPLE RECIPIENTS | $78.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| PeoplesSouth Bank | $89,745,000 | 42.0% | 1 |
| Ameris Bank | $47,974,000 | 22.5% | 1 |
| Regions Bank | $43,754,000 | 20.5% | 1 |
| Centennial Bank | $32,071,000 | 15.0% | 1 |
Deposit concentration is 2,916 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 = 42.0² + 22.5² + 20.5² + … (1 more) = 2,916
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 | $66,065,055 |
| Department of Veterans Affairs | $12,207,605 |
| Department of Transportation | $2,948,515 |
| Department of Agriculture | $2,182,099 |
| Department of Justice | $498,629 |
| Department of Health and Human Services | $248,659 |
| Federal Communications Commission | $136,320 |
| Railroad Retirement Board | $103,239 |
| Department of the Interior | $24,990 |
That is $29,240 per covered job, against 2,887 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $84.4 m / 2,887 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,240
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Calhoun County, FL: 19 findings, 1 at an alert level, 4 at a watch level and 14 noted
alertCalhoun County, FL's covered employment is -11.8% 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 = -11.8 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchCalhoun County, FL's covered employment is -11.8% 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 = -11.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCalhoun County, FL's typical home value is -4.1% 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 2026-08.Show the arithmetic
- test: home.yoyPct = -4.129523312331549 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCalhoun County, FL's typical home value is -1.3% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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 2026-08.Show the arithmetic
- test: home.momPct = -1.2676174558616933 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchCalhoun County, FL's years of wages of 3.9 scores 41 on the 0-to-100 scale across US counties but 6 across Florida counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |41 across US counties - 6 across Florida counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; 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.