Hernando County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.56, -82.53.
Assembled 2026-10-06. Read the brief.
- 71st pct · 886th of 3,063 US counties · median $234,566
- 50th pct · 34th of 67 Florida counties · median $307,929
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 10th pct · 2,748th of 3,063 US counties · median +2.9%
- 24th pct · 51st of 67 Florida counties · median -0.8%
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 76th pct · 336th of 1,399 US counties · median $1,496
- 32nd pct · 32nd of 47 Florida counties · median $1,898
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 84th pct · 497th of 3,221 US counties · median 8,232
- 54th pct · 31st of 67 Florida counties · median 43,443
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 44th pct · 1,774th of 3,221 US counties · median $1,039
- 37th pct · 42nd of 67 Florida counties · median $1,084
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 76th pct · 708th of 3,063 US counties · median 4.3
- 66th pct · 23rd of 67 Florida counties · median 5.4
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater 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 $307,929 (Aug 2026), -2.0% over one year, +23.2% over five
- 71st pct · 886th of 3,063 US counties · median $234,566
- 50th pct · 34th of 67 Florida counties · median $307,929
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hernando County, FL | $307,929 · -2.0% 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 #
Typical rent $1,839/mo (Aug 2026), +0.4% over one year; price-to-rent 14.0
- 76th pct · 336th of 1,399 US counties · median $1,496
- 32nd pct · 32nd of 47 Florida counties · median $1,898
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hernando County, FL | $1,839/mo · +0.4% 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 $1,686 a month on $307,929 at 7.28%, against an average weekly wage worth $4,407 a month: 38.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $307,929 × 80% = $246,343, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,686/mo principal and interest
- wage share = payment / (avg weekly wage $1,017 × 52 / 12 = $4,407) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $307,929 / ($1,017 × 52) = 5.8
- price-to-rent = $307,929 / ($1,839 × 12) = 14.0
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 #
50,759 jobs at 4,783 employers (2026 Q1); -0.4% jobs and +4.2% average weekly wage over the year
- 84th pct · 497th of 3,221 US counties · median 8,232
- 54th pct · 31st of 67 Florida counties · median 43,443
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hernando County, FL | 50,759 jobs · $1,017/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,640 | $1,246 | 1.39 | +1.7% |
| Retail trade | 8,417 | $697 | 1.70 | -1.5% |
| Accommodation and food services | 6,196 | $520 | 1.36 | +1.2% |
| Construction | 3,305 | $1,033 | 1.24 | -8.9% |
| Manufacturing | 2,872 | $1,251 | 0.70 | -3.2% |
| Administrative and waste services | 2,435 | $724 | 0.84 | +15.1% |
| Transportation and warehousing | 2,102 | $1,283 | 0.98 | -7.7% |
| Professional and technical services | 1,930 | $1,636 | 0.55 | +0.9% |
| Other services | 1,604 | $796 | 1.06 | -2.8% |
| Finance and insurance | 1,074 | $1,682 | 0.52 | -8.4% |
| Arts, entertainment and recreation | 895 | $762 | 1.07 | -4.7% |
| Wholesale trade | 753 | $1,406 | 0.39 | +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 #
162 gauges · 0 flooding · 39 with quality panels averaging 61 % · 31 stale
Sites found: 162, 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 0.74 ft · quality 50 % (2) | 19 km |
| SULPHUR SPRINGS MOUTH AT SULPHUR SPRINGS FL | temp 25.6 °C · quality 50 % (2) · STALE | 60 km |
| HALLS RIVER AT KINGSTON DR AT HOMOSASSA SPRINGS FL | stage 1.09 ft · quality 50 % (2) | 30 km |
| CHASSAHOWITZKA RIVER NEAR CHASSAHOWITZKA FL | flow 520.0 ft³/s · quality 50 % (2) | 19 km |
| HALLS RIVER NEAR HOMOSASSA FL | stage 1.04 ft · quality 50 % (2) | 28 km |
| HOMOSASSA RIVER AT SHELL ISLAND NEAR HOMOSASSA FL | stage 0.85 ft · quality 50 % (2) | 29 km |
| SALT RIVER NEAR CRYSTAL RIVER FL | stage 0.73 ft · quality 50 % (2) | 40 km |
| HALLS RIVER AT HOMOSASSA SPRINGS FL | flow -160.0 ft³/s · quality 50 % (2) | 30 km |
| WITHLACOOCHEE R AT BUNGALOW PASS AT PORT INGLIS FL | stage -0.06 ft · quality 50 % (2) · STALE | 54 km |
| WITHLACOOCHEE R AT CHAMBERS IS NEAR YANKEETOWN FL | stage 0.21 ft · quality 50 % (2) | 55 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 #
45 wells in 0 named aquifers:
Sites found: 45, 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-283201082315601 | level 12.7 ft · 2013-04-28 | 3 km |
| USGS-283154082313701 | level 13.4 ft · 2026-10-05 | 3 km |
| USGS-282742082375901 | level 14.1 ft · 2011-10-03 | 15 km |
| USGS-282636082221401 | level 45.0 ft · 2012-09-26 | 20 km |
| USGS-284551082345301 | level 2.36 ft · 2025-11-13 | 24 km |
| USGS-281949082332001 | level 52.8 ft · 2012-09-30 | 25 km |
| USGS-281949082332002 | level 52.7 ft · 2012-09-30 | 25 km |
| USGS-281918082264603 | level 74.3 ft · 2012-10-01 | 27 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 (0.30)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.39 / 0.55
Banks & federal dollars #
$3.1 bn in deposits at 28 offices of 10 banks (SOD June 2026); HHI 1,713, moderately concentrated. $2.2 bn federal obligations in FY2026 (direct payments $2.1 bn, grants $65.0 m), $43,414 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $915.1 m · 29.1% share · 7 offices | |
| Bank of America, National Association | $713.2 m · 22.7% share · 3 offices | |
| Regions Bank | $312.7 m · 10.0% share · 4 offices | |
| Hernando, FL | $2.2 bn FY2026 · $43,414/job | |
| MULTIPLE RECIPIENTS | $2.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $915,078,000 | 29.1% | 7 |
| Bank of America, National Association | $713,166,000 | 22.7% | 3 |
| Regions Bank | $312,734,000 | 10.0% | 4 |
| JPMorgan Chase Bank, National Association | $299,444,000 | 9.5% | 2 |
| Wells Fargo Bank, National Association | $262,660,000 | 8.4% | 2 |
| Capital City Bank | $179,443,000 | 5.7% | 3 |
| Brannen Bank | $142,645,000 | 4.5% | 2 |
| PNC Bank, National Association | $135,719,000 | 4.3% | 2 |
| The Huntington National Bank | $109,683,000 | 3.5% | 2 |
| Centennial Bank | $70,404,000 | 2.2% | 1 |
Deposit concentration is 1,713 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 29.1² + 22.7² + 10.0² + … (7 more) = 1,713
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 | $1,499,193,420 |
| Department of Health and Human Services | $360,451,812 |
| Department of Veterans Affairs | $287,868,709 |
| Department of Defense | $20,101,335 |
| Department of Transportation | $15,089,331 |
| Railroad Retirement Board | $9,294,323 |
| Department of Housing and Urban Development | $6,536,589 |
| Department of Agriculture | $3,161,382 |
| Gulf Coast Ecosystem Restoration Council | $1,364,822 |
| Department of Education | $389,614 |
| Federal Communications Commission | $119,773 |
| National Aeronautics and Space Administration | $85,179 |
That is $43,414 per covered job, against 50,759 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 50,759 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $43,414
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 | 2026-10-06 | +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 #
Hernando County, FL: 9 findings, 4 at a watch level and 5 noted
watchHernando County, FL's typical home value is -2.0% 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 = -2.0083799822966 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchHernando County, FL's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHernando County, FL's typical asking rent of $1,839 scores 76 on the 0-to-100 scale across US counties but 33 across Florida counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |76 across US counties - 33 across Florida counties|
position among the entities that published this metric this period; not an official level
watchHernando County, FL's covered employment of 50,759 scores 85 on the 0-to-100 scale across US counties but 55 across Florida counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |85 across US counties - 55 across Florida counties|
position among the entities that published this metric this period; not an official level
noteHernando County, FL's average weekly wage was 4.2% 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
- +4.2 % = 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
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.