Charlotte County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 26.91, -82.00.
Assembled 2026-10-06. Read the brief.
- 68th pct · 955th of 3,063 US counties · median $234,566
- 45th pct · 37th of 67 Florida counties · median $307,929
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
- 4th pct · 2,932nd of 3,063 US counties · median +2.9%
- 0th pct · 67th of 67 Florida counties · median -0.8%
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
- 77th pct · 316th of 1,399 US counties · median $1,496
- 43rd pct · 27th of 47 Florida counties · median $1,898
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
- 85th pct · 456th of 3,221 US counties · median 8,232
- 59th pct · 28th of 67 Florida counties · median 43,443
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
- 59th pct · 1,314th of 3,221 US counties · median $1,039
- 50th pct · 34th of 67 Florida counties · median $1,084
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
- 68th pct · 958th of 3,063 US counties · median 4.3
- 45th pct · 37th of 67 Florida counties · median 5.4
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
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 $297,268 (Aug 2026), -4.9% over one year, +0.9% over five
- 68th pct · 955th of 3,063 US counties · median $234,566
- 45th pct · 37th of 67 Florida counties · median $307,929
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Charlotte County, FL | $297,268 · -4.9% 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 #
Typical rent $1,872/mo (Aug 2026), +0.0% over one year; price-to-rent 13.2
- 77th pct · 316th of 1,399 US counties · median $1,496
- 43rd pct · 27th of 47 Florida counties · median $1,898
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Charlotte County, FL | $1,872/mo · +0.0% 1-yr |
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 $1,627 a month on $297,268 at 7.28%, against an average weekly wage worth $4,697 a month: 34.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $297,268 × 80% = $237,815, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,627/mo principal and interest
- wage share = payment / (avg weekly wage $1,084 × 52 / 12 = $4,697) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $297,268 / ($1,084 × 52) = 5.3
- price-to-rent = $297,268 / ($1,872 × 12) = 13.2
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 #
58,126 jobs at 6,200 employers (2026 Q1); -0.6% jobs and +1.2% average weekly wage over the year
- 85th pct · 456th of 3,221 US counties · median 8,232
- 59th pct · 28th of 67 Florida counties · median 43,443
- counties in the Punta Gorda metro: Rank context is unavailable: the manifest lists 1 counties in the Punta Gorda metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Charlotte County, FL | 58,126 jobs · $1,084/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,575 | $1,252 | 1.21 | +4.5% |
| Retail trade | 9,740 | $772 | 1.72 | -3.5% |
| Accommodation and food services | 8,602 | $648 | 1.65 | -2.2% |
| Construction | 4,815 | $1,150 | 1.58 | -9.8% |
| Professional and technical services | 3,341 | $1,997 | 0.83 | -0.7% |
| Administrative and waste services | 2,671 | $972 | 0.81 | -1.4% |
| Other services | 2,181 | $868 | 1.26 | +5.0% |
| Transportation and warehousing | 1,595 | $1,231 | 0.65 | -1.0% |
| Arts, entertainment and recreation | 1,356 | $605 | 1.42 | +2.6% |
| Finance and insurance | 1,145 | $2,042 | 0.48 | +2.5% |
| Real estate and rental | 1,026 | $1,014 | 1.15 | +3.0% |
| Wholesale trade | 1,001 | $1,844 | 0.45 | -0.7% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
111 gauges · 0 flooding · 22 with quality panels averaging 69 % · 52 stale
Sites found: 111, 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 |
|---|---|---|
| DURDEN CREEK NR CAPE CORAL, FL | flow -4.44 ft³/s · quality 50 % (2) · STALE | 19 km |
| DONNA BAY AT HIGHWAY 41 AT NOKOMIS FL | stage 0.56 ft · quality 25 % (2) | 50 km |
| SHAKETT CREEK AT CR 762 NR NOKOMIS, FL | stage 9.78 ft · quality 25 % (2) | 50 km |
| CURRY CREEK AT HIGHWAY 41 AT NOKOMIS FL | stage 0.63 ft · quality 50 % (2) | 50 km |
| SHAKETT CREEK NEAR NOKOMIS FL | stage 2.16 ft · quality 0 % (2) · STALE | 50 km |
| VENICE INLET AT CROW'S NEST MARINA AT VENICE FL | stage 0.59 ft · quality 50 % (2) | 51 km |
| YUCCA PENS CREEK NR CAPE CORAL, FL | flow 0.00 ft³/s · quality 0 % (1) · STALE | 18 km |
| PEACE RIVER AT HARBOUR HEIGHTS FL | stage 2.13 ft · quality 50 % (2) | 9 km |
| WARM MINERAL SPRINGS NEAR WOODMERE FL | flow 8.44 ft³/s · quality 50 % (2) | 31 km |
| DONNA BAY AT NOKOMIS FL | stage 1.32 ft · quality 50 % (2) · STALE | 50 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 #
81 wells in 0 named aquifers:
Sites found: 81, 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-265138082002201 | level 8.02 ft · 2025-11-16 | 5 km |
| USGS-264053081572501 | level -70.5 ft · 2026-10-05 | 25 km |
| USGS-264755081460802 | level 5.15 ft · 2025-04-09 | 26 km |
| USGS-264755081460801 | level 28.7 ft · 2018-10-30 | 26 km |
| USGS-263834082005301 | level -5.52 ft · 1996-09-10 | 29 km |
| USGS-263819081585801 | level -18.0 ft · 2025-03-31 | 30 km |
| USGS-263813081552801 | level -16.3 ft · 2025-03-31 | 31 km |
| USGS-264359081424701 | level 3.79 ft · 2025-04-06 | 35 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 (0.27)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.31 / 0.55
Banks & federal dollars #
$5.6 bn in deposits at 41 offices of 12 banks (SOD June 2026); HHI 1,269, moderately concentrated. $2.2 bn federal obligations in FY2026 (direct payments $2.2 bn, grants $30.3 m), $38,566 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $1.2 bn · 21.0% share · 6 offices | |
| Bank of America, National Association | $849.9 m · 15.3% share · 3 offices | |
| Crews Bank & Trust | $826.7 m · 14.8% share · 8 offices | |
| Charlotte, FL | $2.2 bn FY2026 · $38,566/job | |
| MULTIPLE RECIPIENTS | $2.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $1,170,627,000 | 21.0% | 6 |
| Bank of America, National Association | $849,925,000 | 15.3% | 3 |
| Crews Bank & Trust | $826,717,000 | 14.8% | 8 |
| Truist Bank | $719,181,000 | 12.9% | 4 |
| Bank OZK | $456,516,000 | 8.2% | 3 |
| Fifth Third Bank, National Association | $339,545,000 | 6.1% | 4 |
| Regions Bank | $339,098,000 | 6.1% | 4 |
| JPMorgan Chase Bank, National Association | $272,211,000 | 4.9% | 2 |
| Pinnacle Bank | $265,401,000 | 4.8% | 3 |
| Centennial Bank | $229,127,000 | 4.1% | 2 |
Deposit concentration is 1,269 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 21.0² + 15.3² + 14.8² + … (9 more) = 1,269
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 | $1,929,008,573 |
| Department of Veterans Affairs | $251,174,966 |
| Department of Homeland Security | $14,987,325 |
| Department of Transportation | $14,555,482 |
| Railroad Retirement Board | $12,579,459 |
| Department of Housing and Urban Development | $8,440,013 |
| Department of Agriculture | $4,107,422 |
| Department of Defense | $2,148,507 |
| Federal Communications Commission | $1,447,145 |
| Department of Education | $1,425,916 |
| Department of Energy | $856,052 |
| Small Business Administration | $500,684 |
That is $38,566 per covered job, against 58,126 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 58,126 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,566
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 #
Charlotte County, FL: 11 findings, 3 at a watch level and 8 noted
watchCharlotte County, FL's typical home value is -4.9% 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 2026-08.Show the arithmetic
- test: home.yoyPct = -4.941668561884073 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCharlotte County, FL's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCharlotte County, FL's typical asking rent of $1,872 scores 77 on the 0-to-100 scale across US counties but 43 across Florida counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |77 across US counties - 43 across Florida counties|
position among the entities that published this metric this period; not an official level
noteCharlotte County, FL's average weekly wage was 1.2% 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
- +1.2 % = 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
noteCharlotte County, FL's typical asking rent rose 0.8% from $1,858 in July 2026 to $1,872 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.8% = (1872.1498964803313 - 1858.103987461336) / 1858.103987461336 × 100
- 1872.1498964803313 = Zillow ZORI, 2026-08
- 1858.103987461336 = Zillow ZORI, 2026-07
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.