Lake County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.76, -81.71.
Assembled 2026-10-06. Read the brief.
- 81st pct · 581st of 3,063 US counties · median $234,566
- 69th pct · 21st of 67 Florida counties · median $307,929
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 9th pct · 2,781st of 3,063 US counties · median +2.9%
- 16th pct · 56th of 67 Florida counties · median -0.8%
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 83rd pct · 229th of 1,399 US counties · median $1,496
- 67th pct · 16th of 47 Florida counties · median $1,898
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 91st pct · 270th of 3,221 US counties · median 8,232
- 68th pct · 22nd of 67 Florida counties · median 43,443
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 49th pct · 1,611th of 3,221 US counties · median $1,039
- 39th pct · 41st of 67 Florida counties · median $1,084
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 85th pct · 439th of 3,063 US counties · median 4.3
- 86th pct · 10th of 67 Florida counties · median 5.4
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford 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 $361,482 (Aug 2026), -2.3% over one year, +20.3% over five
- 81st pct · 581st of 3,063 US counties · median $234,566
- 69th pct · 21st of 67 Florida counties · median $307,929
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lake County, FL | $361,482 · -2.3% 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 $2,014/mo (Aug 2026), +0.9% over one year; price-to-rent 15.0
- 83rd pct · 229th of 1,399 US counties · median $1,496
- 67th pct · 16th of 47 Florida counties · median $1,898
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lake County, FL | $2,014/mo · +0.9% 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 $1,979 a month on $361,482 at 7.28%, against an average weekly wage worth $4,502 a month: 43.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $361,482 × 80% = $289,186, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,979/mo principal and interest
- wage share = payment / (avg weekly wage $1,039 × 52 / 12 = $4,502) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $361,482 / ($1,039 × 52) = 6.7
- price-to-rent = $361,482 / ($2,014 × 12) = 15.0
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 #
118,275 jobs at 11,280 employers (2026 Q1); -0.5% jobs and +0.5% average weekly wage over the year
- 91st pct · 270th of 3,221 US counties · median 8,232
- 68th pct · 22nd of 67 Florida counties · median 43,443
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lake County, FL | 118,275 jobs · $1,039/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 22,114 | $1,133 | 1.24 | +4.3% |
| Retail trade | 18,742 | $784 | 1.63 | -1.9% |
| Accommodation and food services | 13,344 | $566 | 1.26 | +0.1% |
| Construction | 11,342 | $1,293 | 1.83 | -5.1% |
| Administrative and waste services | 7,128 | $999 | 1.06 | -5.4% |
| Manufacturing | 5,101 | $1,326 | 0.54 | +3.2% |
| Professional and technical services | 5,007 | $1,410 | 0.61 | +2.6% |
| Other services | 3,568 | $966 | 1.01 | +5.1% |
| Transportation and warehousing | 2,942 | $1,200 | 0.59 | -26.6% |
| Agriculture, forestry, fishing | 2,525 | $947 | 2.96 | +7.3% |
| Educational services | 2,414 | $888 | 0.95 | +9.7% |
| Wholesale trade | 2,408 | $1,312 | 0.53 | +8.5% |
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 #
$8.5 bn in deposits at 69 offices of 17 banks (SOD June 2026); HHI 1,226, moderately concentrated. $3.6 bn federal obligations in FY2026 (direct payments $3.6 bn, grants $30.7 m), $30,435 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $2.2 bn · 25.4% share · 9 offices | |
| Bank of America, National Association | $1.1 bn · 12.9% share · 6 offices | |
| Wells Fargo Bank, National Association | $858.5 m · 10.1% share · 5 offices | |
| Lake, FL | $3.6 bn FY2026 · $30,435/job | |
| MULTIPLE RECIPIENTS | $3.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $2,172,238,000 | 25.4% | 9 |
| Bank of America, National Association | $1,101,480,000 | 12.9% | 6 |
| Wells Fargo Bank, National Association | $858,503,000 | 10.1% | 5 |
| Seacoast National Bank | $856,634,000 | 10.0% | 6 |
| United Southern Bank | $732,165,000 | 8.6% | 12 |
| JPMorgan Chase Bank, National Association | $660,221,000 | 7.7% | 5 |
| PNC Bank, National Association | $373,871,000 | 4.4% | 4 |
| SouthState Bank, National Association | $332,456,000 | 3.9% | 3 |
| The First National Bank of Mount Dora | $317,572,000 | 3.7% | 3 |
| TD Bank, National Association | $280,660,000 | 3.3% | 2 |
Deposit concentration is 1,226 across 17 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 17 banks with deposits in the county = 25.4² + 12.9² + 10.1² + … (14 more) = 1,226
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 | $2,935,643,082 |
| Department of Veterans Affairs | $532,194,529 |
| Railroad Retirement Board | $32,829,356 |
| Department of Transportation | $25,124,472 |
| Department of Agriculture | $21,956,375 |
| Department of Education | $19,415,412 |
| Federal Communications Commission | $14,098,936 |
| Department of Housing and Urban Development | $10,132,051 |
| Department of Defense | $3,027,353 |
| Department of the Interior | $2,964,150 |
| Department of Health and Human Services | $1,423,362 |
| Department of Commerce | $651,960 |
That is $30,435 per covered job, against 118,275 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.6 bn / 118,275 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,435
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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Lake County, FL: 9 findings, 2 at a watch level and 7 noted
watchLake County, FL's typical home value is -2.3% 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 = -2.3215356961940388 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLake County, FL's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLake County, FL's average weekly wage was 0.5% 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
- +0.5 % = 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
noteLake County, FL's covered employment was 0.5% 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
- -0.5 % = 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
noteLake County, FL's typical asking rent fell 0.4% from $2,022 in July 2026 to $2,014 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (2013.9323565323564 - 2022.2180681328439) / 2022.2180681328439 × 100
- 2013.9323565323564 = Zillow ZORI, 2026-08
- 2022.2180681328439 = Zillow ZORI, 2026-07
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.