Jefferson County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.40, -83.92.
Assembled 2026-10-06. Read the brief.
- 71st pct · 861st of 3,063 US counties · median $234,566
- 51st pct · 33rd of 67 Florida counties · median $307,929
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 67th pct · 982nd of 3,063 US counties · median +2.9%
- 93rd pct · 5th of 67 Florida counties · median -0.8%
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Florida counties: not published this period
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 24th pct · 2,435th of 3,221 US counties · median 8,232
- 6th pct · 63rd of 67 Florida counties · median 43,443
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 28th pct · 2,293rd of 3,221 US counties · median $1,039
- 19th pct · 54th of 67 Florida counties · median $1,084
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 82nd pct · 538th of 3,063 US counties · median 4.3
- 75th pct · 17th of 67 Florida counties · median 5.4
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee 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 $312,612 (Aug 2026), +4.6% over one year, +30.2% over five
- 71st pct · 861st of 3,063 US counties · median $234,566
- 51st pct · 33rd of 67 Florida counties · median $307,929
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, FL | $312,612 · +4.6% 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 Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee 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 $1,711 a month on $312,612 at 7.28%, against an average weekly wage worth $4,104 a month: 41.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $312,612 × 80% = $250,089, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,711/mo principal and interest
- wage share = payment / (avg weekly wage $947 × 52 / 12 = $4,104) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $312,612 / ($947 × 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 #
2,998 jobs at 391 employers (2026 Q1); -3.3% jobs and +6.2% average weekly wage over the year
- 24th pct · 2,435th of 3,221 US counties · median 8,232
- 6th pct · 63rd of 67 Florida counties · median 43,443
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, FL | 2,998 jobs · $947/wk · -3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 363 | $698 | 1.24 | +0.8% |
| Agriculture, forestry, fishing | 341 | $983 | 15.75 | -7.8% |
| Accommodation and food services | 296 | $456 | 1.10 | +4.6% |
| Administrative and waste services | 130 | $1,161 | 0.76 | -35.0% |
| Professional and technical services | 104 | $817 | 0.50 | +2.0% |
| Transportation and warehousing | 95 | $1,640 | 0.75 | -20.2% |
| Other services | 86 | $619 | 0.96 | +14.7% |
| Wholesale trade | 84 | $1,093 | 0.73 | +71.4% |
| Finance and insurance | 42 | $1,387 | 0.34 | -30.0% |
| Utilities | 41 | $3,332 | 3.46 | -2.4% |
| Arts, entertainment and recreation | 22 | $693 | 0.45 | +10.0% |
| Real estate and rental | 14 | $1,033 | 0.30 | -30.0% |
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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 |
|---|---|---|
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.4 ft (USGS, no capacity on file) | 97 km |
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.7 ft (USGS, no capacity on file) | 149 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 #
115 gauges · 0 flooding · 20 with quality panels averaging 90 % · 42 stale
Sites found: 115, 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 |
|---|---|---|
| BLUE SPRINGS NEAR DELL,FL | stage 20.2 ft · quality 75 % (4) | 73 km |
| SPRING CREEK NEAR SPRING CREEK, FL | flow 1,140 ft³/s · quality 50 % (2) · no flooding | 53 km |
| MADISON BLUE SPRING NR BLUE SPRINGS, FL | flow 76.2 ft³/s · quality 75 % (4) · no flooding | 66 km |
| WAKULLA SPRING NR CRAWFORDVILLE, FL | stage 5.84 ft · quality 80 % (5) | 41 km |
| WACISSA RIVER AT THOMAS SPRING NEAR WACISSA, FL | stage 29.4 ft · quality 75 % (4) | 9 km |
| AUCILLA RIVER NR MOUTH NEAR NUTALL RISE, FL | stage 6.88 ft · quality 50 % (2) · no flooding | 32 km |
| AUCILLA RIVER AT LAMONT, FLA. | flow 16.2 ft³/s · low threshold | 11 km |
| WACISSA RIVER NR WACISSA FLA | flow 212.0 ft³/s · quality 100 % (4) · STALE | 12 km |
| Lake Miccosukee at at US 90 | no readings | 16 km |
| PALMER MILL BRANCH AT MONTICELLO,FL | flow 0.45 ft³/s · STALE | 18 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 #
30 wells in 2 named aquifers: Floridan aquifer system, Surficial aquifer system
Sites found: 30, 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 139.5 ft · 1973-05-10 | 4 km |
| USGS-303447084072401 | depth 167.9 ft · 1973-05-09 | 28 km |
| USGS-303904083504101 | depth 118.6 ft · 1986-11-05 | 29 km |
| USGS-303001084134701 | depth 158.5 ft · 1986-11-04 | 32 km |
| USGS-303012084135301 | depth 152.8 ft · 1983-09-29 | 32 km |
| Floridan aquifer system | depth 1.25 ft · 1973-05-08 | 33 km |
| USGS-303722084094501 | depth 51.4 ft · 1982-09-29 | 34 km |
| USGS-303728084101201 | depth 6.54 ft · 1973-12-28 | 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 #
low (0.19)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.10 / 0.55
Banks & federal dollars #
$253.8 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 6,296, highly concentrated. $112.0 m federal obligations in FY2026 (direct payments $108.6 m, grants $3.0 m), $37,362 per covered job
| Item | Value | Distance |
|---|---|---|
| Renasant Bank | $191.5 m · 75.5% share · 1 office | |
| Capital City Bank | $62.3 m · 24.5% share · 1 office | |
| Jefferson, FL | $112.0 m FY2026 · $37,362/job | |
| MULTIPLE RECIPIENTS | $105.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Renasant Bank | $191,482,000 | 75.5% | 1 |
| Capital City Bank | $62,294,000 | 24.5% | 1 |
Deposit concentration is 6,296 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 = 75.5² + 24.5² = 6,296
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 | $91,196,117 |
| Department of Veterans Affairs | $13,241,076 |
| Department of Agriculture | $3,768,620 |
| Department of Transportation | $1,581,508 |
| Department of the Treasury | $1,350,000 |
| Railroad Retirement Board | $560,649 |
| Department of Health and Human Services | $408,000 |
| Small Business Administration | $4,238 |
| Federal Communications Commission | -$98,114 |
That is $37,362 per covered job, against 2,998 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $112.0 m / 2,998 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,362
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 #
Jefferson County, FL: 8 findings, 1 at an alert level, 1 at a watch level and 6 noted
alertJefferson County, FL's covered employment is -3.3% 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 = -3.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchJefferson County, FL's covered employment is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteJefferson County, FL's average weekly wage was 6.2% 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
- +6.2 % = 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
noteJefferson County, FL's covered employment was 3.3% lower 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
- -3.3 % = 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
noteJefferson County, FL's typical home value of +4.6% ranks 5th of 67 Florida counties, against a median of -0.8%.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 67 Florida counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 8 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.