DeSoto County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.19, -81.81.
Assembled 2026-10-06. Read the brief.
- 56th pct · 1,324th of 3,063 US counties · median $234,566
- 21st pct · 53rd of 67 Florida counties · median $307,929
- 20th pct · 2,435th of 3,063 US counties · median +2.9%
- 59th pct · 28th of 67 Florida counties · median -0.8%
- US counties: not published this period
- Florida counties: not published this period
- 53rd pct · 1,494th of 3,221 US counties · median 8,232
- 28th pct · 48th of 67 Florida counties · median 43,443
- 42nd pct · 1,841st of 3,221 US counties · median $1,039
- 36th pct · 43rd of 67 Florida counties · median $1,084
- 61st pct · 1,178th of 3,063 US counties · median 4.3
- 30th pct · 47th 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 $253,930 (Aug 2026), -0.0% over one year, +23.3% over five
- 56th pct · 1,324th of 3,063 US counties · median $234,566
- 21st pct · 53rd of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| DeSoto County, FL | $253,930 · -0.0% 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 $1,390 a month on $253,930 at 7.28%, against an average weekly wage worth $4,368 a month: 31.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $253,930 × 80% = $203,144, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,390/mo principal and interest
- wage share = payment / (avg weekly wage $1,008 × 52 / 12 = $4,368) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $253,930 / ($1,008 × 52) = 4.8
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 #
9,482 jobs at 764 employers (2026 Q1); -7.2% jobs and +5.9% average weekly wage over the year
- 53rd pct · 1,494th of 3,221 US counties · median 8,232
- 28th pct · 48th of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| DeSoto County, FL | 9,482 jobs · $1,008/wk · -7.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,294 | $731 | 1.40 | +17.4% |
| Transportation and warehousing | 1,257 | $1,076 | 3.15 | -5.1% |
| Construction | 878 | $1,026 | 1.77 | -8.1% |
| Accommodation and food services | 644 | $520 | 0.76 | +0.0% |
| Administrative and waste services | 526 | $994 | 0.98 | +0.0% |
| Manufacturing | 432 | $1,325 | 0.57 | +0.0% |
| Professional and technical services | 186 | $904 | 0.28 | +3.3% |
| Finance and insurance | 122 | $1,619 | 0.32 | +2.5% |
| Other services | 120 | $885 | 0.42 | -1.6% |
| Information | 90 | $755 | 0.51 | +0.0% |
| Real estate and rental | 33 | $675 | 0.23 | +3.1% |
| Management of companies | 32 | $2,072 | 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 #
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 #
143 gauges · 0 flooding · 24 with quality panels averaging 71 % · 63 stale
Sites found: 143, 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 | 56 km |
| VENICE INLET AT CROW'S NEST MARINA AT VENICE FL | stage 1.37 ft · quality 50 % (2) | 66 km |
| CURRY CREEK AT HIGHWAY 41 AT NOKOMIS FL | stage 1.23 ft · quality 50 % (2) | 64 km |
| SHAKETT CREEK NEAR NOKOMIS FL | stage 2.16 ft · quality 0 % (2) · STALE | 62 km |
| MANATEE RIVER AT DEVILS ELBOW NEAR FT HAMER FL | stage 0.89 ft · quality 50 % (2) · STALE | 69 km |
| YUCCA PENS CREEK NR CAPE CORAL, FL | flow 0.00 ft³/s · quality 0 % (1) · STALE | 55 km |
| SHAKETT CREEK AT CR 762 NR NOKOMIS, FL | stage 10.4 ft · quality 25 % (2) | 63 km |
| DONNA BAY AT HIGHWAY 41 AT NOKOMIS FL | stage 1.29 ft · quality 50 % (2) | 64 km |
| DONNA BAY AT NOKOMIS FL | stage 1.32 ft · quality 50 % (2) · STALE | 65 km |
| PEACE RIVER AT HARBOUR HEIGHTS FL | stage 2.06 ft · quality 50 % (2) | 29 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 #
52 wells in 0 named aquifers:
Sites found: 52, 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-272012081482501 | level 39.2 ft · 2025-11-20 | 16 km |
| USGS-271538082002301 | level 36.7 ft · 2025-11-30 | 21 km |
| USGS-272714081545901 | level 51.0 ft · 2012-09-30 | 31 km |
| USGS-272714081545903 | level 75.0 ft · 2012-09-30 | 31 km |
| USGS-272714081545902 | level 53.0 ft · 2012-09-30 | 31 km |
| USGS-271832082064801 | level 18.8 ft · 2025-11-20 | 33 km |
| USGS-271134082092202 | level 31.3 ft · 2012-09-30 | 35 km |
| USGS-271134082092201 | level 34.6 ft · 2012-08-26 | 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 + 0.2×0.29 / 0.55
Banks & federal dollars #
$326.9 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 5,032, highly concentrated. $207.1 m federal obligations in FY2026 (direct payments $196.2 m, grants $10.9 m), $21,844 per covered job
| Item | Value | Distance |
|---|---|---|
| Crews Bank & Trust | $176.6 m · 54.0% share · 2 offices | |
| Truist Bank | $150.3 m · 46.0% share · 1 office | |
| DeSoto, FL | $207.1 m FY2026 · $21,844/job | |
| MULTIPLE RECIPIENTS | $193.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Crews Bank & Trust | $176,593,000 | 54.0% | 2 |
| Truist Bank | $150,340,000 | 46.0% | 1 |
Deposit concentration is 5,032 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 54.0² + 46.0² = 5,032
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 | $173,135,086 |
| Department of Veterans Affairs | $18,869,056 |
| Department of Transportation | $10,073,421 |
| Department of Agriculture | $2,782,785 |
| Railroad Retirement Board | $1,529,118 |
| Department of Housing and Urban Development | $622,370 |
| Department of Justice | $125,000 |
| Small Business Administration | -$11,529 |
That is $21,844 per covered job, against 9,482 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $207.1 m / 9,482 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,844
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 | -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 #
DeSoto County, FL: 12 findings, 1 at an alert level, 5 at a watch level and 6 noted
alertDeSoto County, FL's covered employment is -7.2% 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 = -7.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchDeSoto County, FL's covered employment is -7.2% 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 = -7.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDeSoto County, FL's typical home value is -0.0% 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 = -0.045073723412783075 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchDeSoto County, FL's typical home value of -0.0% scores 21 on the 0-to-100 scale across US counties but 59 across Florida counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |21 across US counties - 59 across Florida counties|
position among the entities that published this metric this period; not an official level
watchDeSoto County, FL's typical home value of $253,930 scores 57 on the 0-to-100 scale across US counties but 21 across Florida counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |57 across US counties - 21 across Florida counties|
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.