Levy County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.27, -82.83.
Assembled 2026-10-06. Read the brief.
- 67th pct · 1,007th of 3,063 US counties · median $234,566
- 37th pct · 42nd of 67 Florida counties · median $307,929
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 12th pct · 2,669th of 3,063 US counties · median +2.9%
- 33rd pct · 45th of 67 Florida counties · median -0.8%
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Florida counties: not published this period
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 52nd pct · 1,534th of 3,221 US counties · median 8,232
- 27th pct · 49th of 67 Florida counties · median 43,443
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 11th pct · 2,841st of 3,221 US counties · median $1,039
- 4th pct · 64th of 67 Florida counties · median $1,084
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 84th pct · 475th of 3,063 US counties · median 4.3
- 80th pct · 14th of 67 Florida counties · median 5.4
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville 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 $289,894 (Aug 2026), -1.3% over one year, +24.0% over five
- 67th pct · 1,007th of 3,063 US counties · median $234,566
- 37th pct · 42nd of 67 Florida counties · median $307,929
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Levy County, FL | $289,894 · -1.3% 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 #
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 Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville 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 $1,587 a month on $289,894 at 7.28%, against an average weekly wage worth $3,688 a month: 43.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $289,894 × 80% = $231,915, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,587/mo principal and interest
- wage share = payment / (avg weekly wage $851 × 52 / 12 = $3,688) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $289,894 / ($851 × 52) = 6.6
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 #
8,992 jobs at 1,150 employers (2026 Q1); -2.6% jobs and -3.1% average weekly wage over the year
- 52nd pct · 1,534th of 3,221 US counties · median 8,232
- 27th pct · 49th of 67 Florida counties · median 43,443
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Levy County, FL | 8,992 jobs · $851/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,586 | $657 | 1.81 | -3.4% |
| Accommodation and food services | 988 | $491 | 1.22 | -3.3% |
| Construction | 892 | $966 | 1.89 | -4.0% |
| Manufacturing | 729 | $855 | 1.01 | -4.3% |
| Health care and social assistance | 662 | $839 | 0.49 | +0.9% |
| Professional and technical services | 271 | $1,045 | 0.44 | -14.2% |
| Other services | 183 | $846 | 0.68 | +1.1% |
| Wholesale trade | 153 | $938 | 0.44 | +2.0% |
| Finance and insurance | 136 | $1,489 | 0.37 | -35.8% |
| Arts, entertainment and recreation | 127 | $846 | 0.86 | -26.6% |
| Real estate and rental | 108 | $842 | 0.78 | +12.5% |
| Educational services | 96 | $692 | 0.50 | +3.2% |
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 #
$576.3 m in deposits at 11 offices of 4 banks (SOD June 2026); HHI 6,088, highly concentrated. $397.7 m federal obligations in FY2026 (direct payments $372.0 m, grants $20.6 m), $44,231 per covered job
| Item | Value | Distance |
|---|---|---|
| Seacoast National Bank | $428.0 m · 74.3% share · 5 offices | |
| Capital City Bank | $137.6 m · 23.9% share · 4 offices | |
| First Southern Bank | $5.5 m · 1.0% share · 1 office | |
| Levy, FL | $397.7 m FY2026 · $44,231/job | |
| MULTIPLE RECIPIENTS | $362.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Seacoast National Bank | $428,047,000 | 74.3% | 5 |
| Capital City Bank | $137,573,000 | 23.9% | 4 |
| First Southern Bank | $5,539,000 | 1.0% | 1 |
| Barwick Banking Company | $5,181,000 | 0.9% | 1 |
Deposit concentration is 6,088 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 74.3² + 23.9² + 1.0² + … (1 more) = 6,088
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 | $311,186,476 |
| Department of Veterans Affairs | $50,087,582 |
| Department of Transportation | $19,268,054 |
| Department of Agriculture | $6,940,974 |
| Department of Homeland Security | $3,541,793 |
| Department of Housing and Urban Development | $3,291,003 |
| Railroad Retirement Board | $1,579,587 |
| Department of the Interior | $930,016 |
| Federal Communications Commission | $317,213 |
| Small Business Administration | $306,900 |
| Department of Health and Human Services | $125,000 |
| General Services Administration | $93,689 |
That is $44,231 per covered job, against 8,992 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $397.7 m / 8,992 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $44,231
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 #
Levy County, FL: 11 findings, 4 at a watch level and 7 noted
watchLevy County, FL's average weekly wage is -3.1% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -3.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchLevy County, FL's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLevy County, FL's typical home value is -1.3% 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 = -1.3416073385096583 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLevy County, FL's momentum index is -0.51, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.5051939844964193 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
noteLevy County, FL's average weekly wage was 3.1% 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
- -3.1 % = 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 11 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.