Holmes County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.86, -85.82.
Assembled 2026-10-06. Read the brief.
- 31st pct · 2,085th of 3,063 US counties · median $234,566
- 3rd pct · 65th of 67 Florida counties · median $307,929
- 9th pct · 2,771st of 3,063 US counties · median +2.9%
- 19th pct · 54th of 67 Florida counties · median -0.8%
- US counties: not published this period
- Florida counties: not published this period
- 28th pct · 2,297th of 3,221 US counties · median 8,232
- 13th pct · 58th of 67 Florida counties · median 43,443
- 8th pct · 2,946th of 3,221 US counties · median $1,039
- 1st pct · 66th of 67 Florida counties · median $1,084
- 52nd pct · 1,456th of 3,063 US counties · median 4.3
- 18th pct · 55th 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 $188,335 (Aug 2026), -2.2% over one year, +7.5% over five
- 31st pct · 2,085th of 3,063 US counties · median $234,566
- 3rd pct · 65th of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| Holmes County, FL | $188,335 · -2.2% 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 $1,031 a month on $188,335 at 7.28%, against an average weekly wage worth $3,571 a month: 28.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $188,335 × 80% = $150,668, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,031/mo principal and interest
- wage share = payment / (avg weekly wage $824 × 52 / 12 = $3,571) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $188,335 / ($824 × 52) = 4.4
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 #
3,573 jobs at 403 employers (2026 Q1); -2.5% jobs and +5.8% average weekly wage over the year
- 28th pct · 2,297th of 3,221 US counties · median 8,232
- 13th pct · 58th of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Holmes County, FL | 3,573 jobs · $824/wk · -2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 374 | $587 | 1.07 | -0.5% |
| Health care and social assistance | 371 | $789 | 0.69 | -12.5% |
| Construction | 336 | $814 | 1.79 | +2.4% |
| Accommodation and food services | 264 | $422 | 0.82 | -4.0% |
| Professional and technical services | 129 | $1,049 | 0.52 | +14.2% |
| Other services | 112 | $758 | 1.05 | +10.9% |
| Transportation and warehousing | 92 | $1,791 | 0.61 | +22.7% |
| Finance and insurance | 50 | $1,245 | 0.34 | -5.7% |
| Real estate and rental | 44 | $403 | 0.80 | -8.3% |
| Arts, entertainment and recreation | 26 | $337 | 0.44 | +8.3% |
| Educational services | 23 | $553 | 0.30 | +15.0% |
| Agriculture, forestry, fishing | 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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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.
| Site | Reading | Distance |
|---|---|---|
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.5 ft (USGS, no capacity on file) | 80 km |
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.4 ft (USGS, no capacity on file) | 93 km |
| WALTER F. GEORGE RESERVOIR NEAR FORT GAINES, GA | 189.0 ft (USGS, no capacity on file) | 111 km |
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 #
23 gauges · 0 flooding · 3 with quality panels averaging 83 % · 6 stale
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 |
|---|---|---|
| WRIGHTS CREEK AT SH 177-A NR BONIFAY,FL | flow 88.8 ft³/s · STALE | 5 km |
| CHOCTAWHATCHEE RIVER AT CARYVILLE, FLA. | flow 1,160 ft³/s | 10 km |
| CHOCTAWHATCHEE RIVER NR PITTMAN, FLA. | flow 2,050 ft³/s · quality 50 % (1) | 10 km |
| CHOCTAWHATCHEE RIVER NEAR GENEVA, ALABAMA | stage 5.75 ft | 20 km |
| HOLMES CREEK AT VERNON, FLA. | flow 367.0 ft³/s | 28 km |
| BRUCE CREEK AT SH 81 NR REDBAY, FL | flow 83.7 ft³/s | 29 km |
| CHOCTAWHATCHEE RIVER NEAR BELLWOOD AL | flow 3,170 ft³/s | 33 km |
| PEA RIVER NEAR SAMSON AL | flow 2,150 ft³/s | 39 km |
| CANEY CREEK TRIB. NO.2 NR CANEY CREEK TOWER | flow 0.00 ft³/s · STALE | 40 km |
| ALAQUA CREEK NEAR PLEASANT RIDGE, FL | flow 47.0 ft³/s · STALE | 41 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 2 named aquifers: Floridan aquifer system, Surficial aquifer system
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 |
|---|---|---|
| Floridan aquifer system | depth -4.30 ft · 1973-05-03 | 3 km |
| Floridan aquifer system | depth -9.70 ft · 1972-05-05 | 6 km |
| Floridan aquifer system | depth 206.8 ft · 1973-05-09 | 12 km |
| Floridan aquifer system | depth 13.2 ft · 1968-07-01 | 25 km |
| Floridan aquifer system | depth 181.4 ft · 1972-10-13 | 28 km |
| Floridan aquifer system | depth 26.1 ft · 1974-11-06 | 29 km |
| Floridan aquifer system | depth 94.6 ft · 1970-09-22 | 31 km |
| Floridan aquifer system | depth 156.4 ft · 1970-09-23 | 33 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 (0.22)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.17 / 0.55
Banks & federal dollars #
$134.8 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 6,530, highly concentrated. $166.6 m federal obligations in FY2026 (direct payments $145.2 m, grants $19.6 m), $46,631 per covered job
| Item | Value | Distance |
|---|---|---|
| First Federal Bank | $104.7 m · 77.7% share · 1 office | |
| PeoplesSouth Bank | $30.1 m · 22.3% share · 1 office | |
| Holmes, FL | $166.6 m FY2026 · $46,631/job | |
| MULTIPLE RECIPIENTS | $140.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Federal Bank | $104,700,000 | 77.7% | 1 |
| PeoplesSouth Bank | $30,127,000 | 22.3% | 1 |
Deposit concentration is 6,530 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 = 77.7² + 22.3² = 6,530
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 | $111,707,514 |
| Department of Veterans Affairs | $29,823,723 |
| Department of Transportation | $16,798,621 |
| Department of Agriculture | $3,785,830 |
| Department of Health and Human Services | $2,777,489 |
| Department of Housing and Urban Development | $763,403 |
| Railroad Retirement Board | $517,828 |
| Federal Communications Commission | $341,637 |
| Department of the Interior | $64,650 |
| Department of State | $32,337 |
| Small Business Administration | $0 |
That is $46,631 per covered job, against 3,573 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $166.6 m / 3,573 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $46,631
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 #
Holmes County, FL: 12 findings, 4 at a watch level and 8 noted
watchHolmes County, FL's covered employment is -2.5% 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 = -2.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHolmes County, FL's typical home value is -2.2% 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 = -2.231821962963333 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchHolmes County, FL's typical home value is -1.2% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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 2026-08.Show the arithmetic
- test: home.momPct = -1.2045412567788047 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchHolmes County, FL's years of wages of 4.4 scores 52 on the 0-to-100 scale across US counties but 18 across Florida counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |52 across US counties - 18 across Florida counties|
- 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
noteHolmes County, FL's average weekly wage was 5.8% 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
- +5.8 % = 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 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.