Madison County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.45, -83.47.
Assembled 2026-10-06. Read the brief.
- 40th pct · 1,819th of 3,063 US counties · median $234,566
- 9th pct · 61st of 67 Florida counties · median $307,929
- 10th pct · 2,728th of 3,063 US counties · median +2.9%
- 25th pct · 50th of 67 Florida counties · median -0.8%
- US counties: not published this period
- Florida counties: not published this period
- 37th pct · 2,001st of 3,221 US counties · median 8,232
- 18th pct · 55th of 67 Florida counties · median 43,443
- 19th pct · 2,576th of 3,221 US counties · median $1,039
- 11th pct · 59th of 67 Florida counties · median $1,084
- 53rd pct · 1,411th of 3,063 US counties · median 4.3
- 19th pct · 54th 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 $210,250 (Aug 2026), -1.8% over one year, +22.4% over five
- 40th pct · 1,819th of 3,063 US counties · median $234,566
- 9th pct · 61st of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| Madison County, FL | $210,250 · -1.8% 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 $1,151 a month on $210,250 at 7.28%, against an average weekly wage worth $3,917 a month: 29.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $210,250 × 80% = $168,200, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,151/mo principal and interest
- wage share = payment / (avg weekly wage $904 × 52 / 12 = $3,917) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $210,250 / ($904 × 52) = 4.5
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 #
5,141 jobs at 430 employers (2026 Q1); +1.8% jobs and +6.4% average weekly wage over the year
- 37th pct · 2,001st of 3,221 US counties · median 8,232
- 18th pct · 55th of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Madison County, FL | 5,141 jobs · $904/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 609 | $1,296 | 1.47 | +5.0% |
| Retail trade | 482 | $664 | 0.96 | -12.8% |
| Administrative and waste services | 370 | $800 | 1.27 | +18.2% |
| Accommodation and food services | 362 | $441 | 0.78 | +0.0% |
| Finance and insurance | 99 | $1,955 | 0.47 | +15.1% |
| Wholesale trade | 85 | $860 | 0.43 | +4.9% |
| Utilities | 72 | $1,918 | 3.55 | +0.0% |
| Transportation and warehousing | 61 | $913 | 0.28 | +0.0% |
| Information | 55 | $1,107 | 0.58 | +139.1% |
| Real estate and rental | 26 | $1,034 | 0.33 | +0.0% |
| Arts, entertainment and recreation | 4 | $672 | 0.05 | +0.0% |
| 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 #
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 #
$284.1 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,554, highly concentrated. $139.7 m federal obligations in FY2026 (direct payments $135.4 m, grants $2.9 m), $27,183 per covered job
| Item | Value | Distance |
|---|---|---|
| Madison County Community Bank | $172.5 m · 60.7% share · 1 office | |
| Wells Fargo Bank, National Association | $75.5 m · 26.6% share · 1 office | |
| Capital City Bank | $36.1 m · 12.7% share · 1 office | |
| Madison, FL | $139.7 m FY2026 · $27,183/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Madison County Community Bank | $172,489,000 | 60.7% | 1 |
| Wells Fargo Bank, National Association | $75,518,000 | 26.6% | 1 |
| Capital City Bank | $36,122,000 | 12.7% | 1 |
Deposit concentration is 4,554 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 60.7² + 26.6² + 12.7² = 4,554
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 #
That is $27,183 per covered job, against 5,141 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $139.7 m / 5,141 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,183
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 #
Madison County, FL: 9 findings, 3 at a watch level and 6 noted
watchMadison County, FL's typical home value is -1.8% 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 = -1.8112156746681873 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchMadison County, FL's years of wages of 4.5 scores 54 on the 0-to-100 scale across US counties but 20 across Florida counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |54 across US counties - 20 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
watchMadison County, FL's typical home value of $210,250 scores 41 on the 0-to-100 scale across US counties but 9 across Florida counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |41 across US counties - 9 across Florida counties|
position among the entities that published this metric this period; not an official level
noteMadison County, FL's average weekly wage was 6.4% 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
- +6.4 % = 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
noteMadison County, FL's covered employment was 1.8% 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
- +1.8 % = 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 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.