Gilchrist County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.72, -82.80.
Assembled 2026-10-06. Read the brief.
- 70th pct · 896th of 3,063 US counties · median $234,566
- 48th pct · 35th of 67 Florida counties · median $307,929
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 47th pct · 1,604th of 3,063 US counties · median +2.9%
- 86th pct · 10th of 67 Florida counties · median -0.8%
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Florida counties: not published this period
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 30th pct · 2,232nd of 3,221 US counties · median 8,232
- 15th pct · 57th of 67 Florida counties · median 43,443
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 25th pct · 2,385th of 3,221 US counties · median $1,039
- 15th pct · 57th of 67 Florida counties · median $1,084
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 82nd pct · 548th of 3,063 US counties · median 4.3
- 72nd pct · 19th of 67 Florida counties · median 5.4
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville 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 $306,479 (Aug 2026), +2.7% over one year, +33.3% over five
- 70th pct · 896th of 3,063 US counties · median $234,566
- 48th pct · 35th of 67 Florida counties · median $307,929
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Gilchrist County, FL | $306,479 · +2.7% 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
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
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 $1,678 a month on $306,479 at 7.28%, against an average weekly wage worth $4,043 a month: 41.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $306,479 × 80% = $245,184, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,678/mo principal and interest
- wage share = payment / (avg weekly wage $933 × 52 / 12 = $4,043) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $306,479 / ($933 × 52) = 6.3
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 #
3,887 jobs at 415 employers (2026 Q1); +1.7% jobs and +1.2% average weekly wage over the year
- 30th pct · 2,232nd of 3,221 US counties · median 8,232
- 15th pct · 57th of 67 Florida counties · median 43,443
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Gilchrist County, FL | 3,887 jobs · $933/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 449 | $1,007 | 2.20 | +11.7% |
| Agriculture, forestry, fishing | 390 | $974 | 13.89 | -4.2% |
| Manufacturing | 277 | $1,155 | 0.89 | -5.1% |
| Retail trade | 258 | $601 | 0.68 | +22.9% |
| Other services | 134 | $1,148 | 1.15 | +20.7% |
| Professional and technical services | 117 | $1,284 | 0.44 | +0.0% |
| Wholesale trade | 78 | $787 | 0.52 | +16.4% |
| Finance and insurance | 44 | $1,193 | 0.28 | -17.0% |
| Real estate and rental | 28 | $1,020 | 0.47 | +12.0% |
| Information | 10 | $1,322 | 0.14 | +0.0% |
| Unclassified | 8 | $246 | 0.97 | +100.0% |
| Utilities | 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 #
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 #
$282.6 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 2,968, highly concentrated. $146.0 m federal obligations in FY2026 (direct payments $136.7 m, grants $9.1 m), $37,568 per covered job
| Item | Value | Distance |
|---|---|---|
| Capital City Bank | $109.2 m · 38.6% share · 3 offices | |
| Ameris Bank | $76.9 m · 27.2% share · 1 office | |
| Seacoast National Bank | $72.8 m · 25.7% share · 1 office | |
| Gilchrist, FL | $146.0 m FY2026 · $37,568/job | |
| MULTIPLE RECIPIENTS | $129.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Capital City Bank | $109,213,000 | 38.6% | 3 |
| Ameris Bank | $76,947,000 | 27.2% | 1 |
| Seacoast National Bank | $72,761,000 | 25.7% | 1 |
| Lafayette State Bank | $23,665,000 | 8.4% | 1 |
Deposit concentration is 2,968 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 = 38.6² + 27.2² + 25.7² + … (1 more) = 2,968
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 | $109,021,563 |
| Department of Veterans Affairs | $19,995,316 |
| Department of Transportation | $9,135,606 |
| Department of Agriculture | $6,492,289 |
| Federal Communications Commission | $776,220 |
| Railroad Retirement Board | $477,437 |
| Department of Justice | $88,500 |
| Department of Health and Human Services | $49,071 |
| Small Business Administration | -$7,906 |
That is $37,568 per covered job, against 3,887 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $146.0 m / 3,887 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,568
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 #
Gilchrist County, FL: 4 findings, 1 at a watch level and 3 noted
watchGilchrist County, FL's typical home value of +2.7% scores 48 on the 0-to-100 scale across US counties but 86 across Florida counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |48 across US counties - 86 across Florida counties|
position among the entities that published this metric this period; not an official level
noteGilchrist County, FL's covered employment was 1.7% 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
- +1.7 % = 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
noteGilchrist 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
noteThe next Zillow ZHVI typical home value (monthly) covering Gilchrist County, FL is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.