Hamilton County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.50, -82.95.
Assembled 2026-10-06. Read the brief.
- 41st pct · 1,794th of 3,063 US counties · median $234,566
- 10th pct · 60th of 67 Florida counties · median $307,929
- 77th pct · 687th of 3,063 US counties · median +2.9%
- 96th pct · 3rd of 67 Florida counties · median -0.8%
- US counties: not published this period
- Florida counties: not published this period
- 26th pct · 2,359th of 3,221 US counties · median 8,232
- 9th pct · 61st of 67 Florida counties · median 43,443
- 76th pct · 749th of 3,221 US counties · median $1,039
- 65th pct · 23rd of 67 Florida counties · median $1,084
- 29th pct · 2,160th of 3,063 US counties · median 4.3
- 0th pct · 67th 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 $212,350 (Aug 2026), +5.7% over one year, +38.5% over five
- 41st pct · 1,794th of 3,063 US counties · median $234,566
- 10th pct · 60th of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| Hamilton County, FL | $212,350 · +5.7% 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
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 $1,162 a month on $212,350 at 7.28%, against an average weekly wage worth $5,217 a month: 22.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $212,350 × 80% = $169,880, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,162/mo principal and interest
- wage share = payment / (avg weekly wage $1,204 × 52 / 12 = $5,217) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $212,350 / ($1,204 × 52) = 3.4
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 #
3,275 jobs at 264 employers (2026 Q1); +2.0% jobs and +0.8% average weekly wage over the year
- 26th pct · 2,359th of 3,221 US counties · median 8,232
- 9th pct · 61st of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Hamilton County, FL | 3,275 jobs · $1,204/wk · +2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 690 | $2,415 | 2.62 | +0.0% |
| Retail trade | 370 | $644 | 1.16 | +12.1% |
| Health care and social assistance | 219 | $735 | 0.44 | +0.0% |
| Construction | 134 | $992 | 0.78 | +0.0% |
| Administrative and waste services | 104 | $1,542 | 0.56 | +52.9% |
| Agriculture, forestry, fishing | 96 | $911 | 4.06 | +0.0% |
| Transportation and warehousing | 81 | $1,322 | 0.59 | -1.2% |
| Other services | 47 | $799 | 0.48 | +113.6% |
| Finance and insurance | 15 | $2,239 | 0.11 | -6.2% |
| Educational services | 8 | $542 | 0.11 | -11.1% |
| Utilities | withheld | |||
| Wholesale trade | 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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$87.4 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $95.8 m federal obligations in FY2026 (direct payments $92.4 m, grants $3.1 m), $29,241 per covered job
| Item | Value | Distance |
|---|---|---|
| First Federal Bank | $87.4 m · 100.0% share · 1 office | |
| Hamilton, FL | $95.8 m FY2026 · $29,241/job | |
| MULTIPLE RECIPIENTS | $89.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Federal Bank | $87,376,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $74,518,300 |
| Department of Veterans Affairs | $14,489,102 |
| Department of Transportation | $3,364,068 |
| Department of Agriculture | $2,621,604 |
| Railroad Retirement Board | $615,900 |
| Federal Communications Commission | $180,335 |
| Department of Health and Human Services | $36,059 |
| Department of Homeland Security | $400 |
| Small Business Administration | -$11,070 |
| Department of the Treasury | -$50,000 |
That is $29,241 per covered job, against 3,275 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $95.8 m / 3,275 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,241
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 #
Hamilton County, FL: 9 findings, 1 at a watch level and 8 noted
watchHamilton County, FL's typical home value of $212,350 scores 41 on the 0-to-100 scale across US counties but 11 across Florida counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |41 across US counties - 11 across Florida counties|
position among the entities that published this metric this period; not an official level
noteHamilton County, FL's covered employment was 2.0% 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
- +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
noteHamilton County, FL's average weekly wage was 0.8% 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
- +0.8 % = 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
noteHamilton County, FL's typical home value rose 0.6% from $211,053 in July 2026 to $212,350 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (212349.71024003977 - 211052.7921824352) / 211052.7921824352 × 100
- 212349.71024003977 = Zillow ZHVI, 2026-08
- 211052.7921824352 = Zillow ZHVI, 2026-07
noteHamilton County, FL's years of wages of 3.4 ranks 67th of 67 Florida counties, against a median of 5.4.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 67 Florida counties that published yearsOfWages
- 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 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.