Citrus County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.85, -82.60.
Assembled 2026-10-06. Read the brief.
- 62nd pct · 1,155th of 3,063 US counties · median $234,566
- 30th pct · 47th of 67 Florida counties · median $307,929
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
- 14th pct · 2,627th of 3,063 US counties · median +2.9%
- 40th pct · 40th of 67 Florida counties · median -0.8%
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
- 67th pct · 452nd of 1,399 US counties · median $1,496
- 21st pct · 37th of 47 Florida counties · median $1,898
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
- 79th pct · 652nd of 3,221 US counties · median 8,232
- 46th pct · 36th of 67 Florida counties · median 43,443
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
- 37th pct · 2,015th of 3,221 US counties · median $1,039
- 30th pct · 47th of 67 Florida counties · median $1,084
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
- 69th pct · 932nd of 3,063 US counties · median 4.3
- 48th pct · 35th of 67 Florida counties · median 5.4
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs 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 $271,610 (Aug 2026), -1.1% over one year, +18.1% over five
- 62nd pct · 1,155th of 3,063 US counties · median $234,566
- 30th pct · 47th of 67 Florida counties · median $307,929
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Citrus County, FL | $271,610 · -1.1% 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 #
Typical rent $1,723/mo (Aug 2026), +1.5% over one year; price-to-rent 13.1
- 67th pct · 452nd of 1,399 US counties · median $1,496
- 21st pct · 37th of 47 Florida counties · median $1,898
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Citrus County, FL | $1,723/mo · +1.5% 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 $1,487 a month on $271,610 at 7.28%, against an average weekly wage worth $4,255 a month: 34.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $271,610 × 80% = $217,288, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,487/mo principal and interest
- wage share = payment / (avg weekly wage $982 × 52 / 12 = $4,255) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $271,610 / ($982 × 52) = 5.3
- price-to-rent = $271,610 / ($1,723 × 12) = 13.1
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 #
35,642 jobs at 3,808 employers (2026 Q1); +0.1% jobs and +4.8% average weekly wage over the year
- 79th pct · 652nd of 3,221 US counties · median 8,232
- 46th pct · 36th of 67 Florida counties · median 43,443
- counties in the Homosassa Springs metro: Rank context is unavailable: the manifest lists 1 counties in the Homosassa Springs metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Citrus County, FL | 35,642 jobs · $982/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,664 | $1,077 | 1.43 | +1.8% |
| Retail trade | 6,101 | $751 | 1.76 | -0.2% |
| Accommodation and food services | 4,646 | $537 | 1.45 | -2.7% |
| Construction | 3,032 | $1,162 | 1.62 | -1.3% |
| Administrative and waste services | 2,235 | $986 | 1.10 | +5.7% |
| Professional and technical services | 1,303 | $1,461 | 0.53 | +5.3% |
| Other services | 1,171 | $735 | 1.10 | +0.3% |
| Arts, entertainment and recreation | 834 | $551 | 1.42 | +0.4% |
| Finance and insurance | 755 | $1,886 | 0.52 | +0.8% |
| Real estate and rental | 597 | $1,177 | 1.09 | -9.0% |
| Manufacturing | 561 | $1,150 | 0.20 | -8.3% |
| Utilities | 498 | $3,168 | 3.54 | +4.4% |
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 #
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 #
97 gauges · 0 flooding · 33 with quality panels averaging 63 % · 14 stale
Sites found: 97, 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 |
|---|---|---|
| CHASSAHOWITZKA R AT MOUTH NR CHASSAHOWITZKA FL | stage 0.14 ft · quality 50 % (2) | 18 km |
| HALLS RIVER AT KINGSTON DR AT HOMOSASSA SPRINGS FL | stage 1.07 ft · quality 50 % (2) | 3 km |
| HOMOSASSA RIVER AT SHELL ISLAND NEAR HOMOSASSA FL | stage 0.32 ft · quality 50 % (2) | 13 km |
| HOMOSASSA R AT HOMOSASSA FL | flow 929.0 ft³/s · quality 50 % (2) | 8 km |
| CRYSTAL RIVER NEAR CRYSTAL RIVER FL | flow 4,610 ft³/s · quality 50 % (2) | 7 km |
| CHASSAHOWITZKA RIVER NEAR CHASSAHOWITZKA FL | flow 582.0 ft³/s · quality 50 % (2) | 15 km |
| HALLS RIVER NEAR HOMOSASSA FL | stage 0.91 ft · quality 50 % (2) | 5 km |
| CHASSAHOWITZKA R AT DOG ISL NR CHASSAHOWITZKA FL | stage 0.16 ft · quality 50 % (2) | 17 km |
| HALLS RIVER AT HOMOSASSA SPRINGS FL | flow 260.0 ft³/s · quality 50 % (2) | 4 km |
| WITHLACOOCHEE R AT BUNGALOW PASS AT PORT INGLIS FL | stage -0.06 ft · quality 50 % (2) · STALE | 23 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 #
23 wells in 0 named aquifers:
Sites found: 23, 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-284551082345301 | level 2.36 ft · 2025-11-13 | 10 km |
| USGS-290514082270701 | level 30.2 ft · 2025-11-17 | 30 km |
| USGS-283201082315601 | level 12.7 ft · 2013-04-28 | 36 km |
| USGS-283154082313701 | level 13.4 ft · 2026-10-05 | 36 km |
| USGS-282742082375901 | level 14.1 ft · 2011-10-03 | 43 km |
| USGS-282636082221401 | level 45.0 ft · 2012-09-26 | 50 km |
| USGS-281949082332002 | level 52.7 ft · 2012-09-30 | 58 km |
| USGS-281949082332001 | level 52.8 ft · 2012-09-30 | 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 #
low (0.14)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.38 / 0.55
Banks & federal dollars #
$2.9 bn in deposits at 32 offices of 9 banks (SOD June 2026); HHI 1,837, highly concentrated. $1.8 bn federal obligations in FY2026 (direct payments $1.8 bn, grants $14.8 m), $51,468 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $764.7 m · 26.2% share · 6 offices | |
| Brannen Bank | $707.8 m · 24.3% share · 9 offices | |
| Bank of America, National Association | $524.8 m · 18.0% share · 3 offices | |
| Citrus, FL | $1.8 bn FY2026 · $51,468/job | |
| MULTIPLE RECIPIENTS | $1.8 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $764,703,000 | 26.2% | 6 |
| Brannen Bank | $707,806,000 | 24.3% | 9 |
| Bank of America, National Association | $524,848,000 | 18.0% | 3 |
| Regions Bank | $340,003,000 | 11.7% | 4 |
| Wells Fargo Bank, National Association | $209,036,000 | 7.2% | 2 |
| The Huntington National Bank | $147,960,000 | 5.1% | 2 |
| Capital City Bank | $100,551,000 | 3.5% | 3 |
| Seacoast National Bank | $67,996,000 | 2.3% | 2 |
| PNC Bank, National Association | $50,639,000 | 1.7% | 1 |
Deposit concentration is 1,837 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 26.2² + 24.3² + 18.0² + … (6 more) = 1,837
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 | $1,556,126,681 |
| Department of Veterans Affairs | $249,843,860 |
| Department of Transportation | $10,279,033 |
| Railroad Retirement Board | $9,110,100 |
| Department of Agriculture | $5,356,584 |
| Department of Housing and Urban Development | $4,072,482 |
| Federal Communications Commission | $2,534,678 |
| Department of Justice | $2,460,452 |
| Department of Education | $2,043,928 |
| Environmental Protection Agency | $1,266,667 |
| Department of State | $1,174,260 |
| Department of the Interior | $1,008,475 |
That is $51,468 per covered job, against 35,642 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.8 bn / 35,642 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $51,468
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 | 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 #
Citrus County, FL: 9 findings, 4 at a watch level and 5 noted
watchCitrus County, FL's typical home value is -1.1% 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 = -1.102135348497548 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCitrus County, FL's typical asking rent of $1,723 scores 68 on the 0-to-100 scale across US counties but 22 across Florida counties, a gap of 46 points.
Period 2026-08.Show the arithmetic
- 46 = |68 across US counties - 22 across Florida counties|
position among the entities that published this metric this period; not an official level
watchCitrus County, FL's covered employment of 35,642 scores 80 on the 0-to-100 scale across US counties but 47 across Florida counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |80 across US counties - 47 across Florida counties|
position among the entities that published this metric this period; not an official level
watchCitrus County, FL's typical home value of $271,610 scores 62 on the 0-to-100 scale across US counties but 30 across Florida counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |62 across US counties - 30 across Florida counties|
position among the entities that published this metric this period; not an official level
noteCitrus County, FL's average weekly wage was 4.8% 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
- +4.8 % = 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.