Osceola County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.06, -81.14.
Assembled 2026-10-06. Read the brief.
- 80th pct · 595th of 3,063 US counties · median $234,566
- 68th pct · 22nd 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.
- 6th pct · 2,851st of 3,063 US counties · median +2.9%
- 9th pct · 61st 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.
- 82nd pct · 239th of 1,399 US counties · median $1,496
- 63rd pct · 18th 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 · 268th of 3,221 US counties · median 8,232
- 69th pct · 21st 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.
- 59th pct · 1,290th of 3,221 US counties · median $1,039
- 52nd pct · 32nd 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.
- 82nd pct · 531st of 3,063 US counties · median 4.3
- 77th pct · 16th 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 $359,490 (Aug 2026), -3.2% over one year, +19.2% over five
- 80th pct · 595th of 3,063 US counties · median $234,566
- 68th pct · 22nd 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 |
|---|---|---|
| Osceola County, FL | $359,490 · -3.2% 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 #
Typical rent $1,992/mo (Aug 2026), +0.1% over one year; price-to-rent 15.0
- 82nd pct · 239th of 1,399 US counties · median $1,496
- 63rd pct · 18th 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 |
|---|---|---|
| Osceola County, FL | $1,992/mo · +0.1% 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 $1,968 a month on $359,490 at 7.28%, against an average weekly wage worth $4,710 a month: 41.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $359,490 × 80% = $287,592, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,968/mo principal and interest
- wage share = payment / (avg weekly wage $1,087 × 52 / 12 = $4,710) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $359,490 / ($1,087 × 52) = 6.4
- price-to-rent = $359,490 / ($1,992 × 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 #
119,278 jobs at 10,940 employers (2026 Q1); +0.7% jobs and +3.2% average weekly wage over the year
- 91st pct · 268th of 3,221 US counties · median 8,232
- 69th pct · 21st 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 |
|---|---|---|
| Osceola County, FL | 119,278 jobs · $1,087/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 21,130 | $735 | 1.97 | -0.2% |
| Retail trade | 18,982 | $684 | 1.63 | -0.1% |
| Health care and social assistance | 18,243 | $1,408 | 1.02 | +1.0% |
| Administrative and waste services | 11,109 | $1,218 | 1.64 | -1.7% |
| Construction | 7,739 | $1,198 | 1.24 | +4.2% |
| Professional and technical services | 4,289 | $1,730 | 0.52 | -0.9% |
| Real estate and rental | 3,788 | $1,008 | 2.07 | +2.1% |
| Other services | 3,349 | $815 | 0.94 | +5.3% |
| Wholesale trade | 2,733 | $1,455 | 0.60 | -4.2% |
| Arts, entertainment and recreation | 2,658 | $930 | 1.35 | +2.4% |
| Educational services | 2,567 | $892 | 1.00 | +1.5% |
| Manufacturing | 2,427 | $1,643 | 0.25 | +4.3% |
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 #
$5.5 bn in deposits at 49 offices of 14 banks (SOD June 2026); HHI 1,474, moderately concentrated. $2.2 bn federal obligations in FY2026 (direct payments $2.1 bn, grants $95.1 m), $18,529 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $1.4 bn · 25.5% share · 6 offices | |
| JPMorgan Chase Bank, National Association | $957.5 m · 17.3% share · 5 offices | |
| Truist Bank | $809.8 m · 14.6% share · 8 offices | |
| Osceola, FL | $2.2 bn FY2026 · $18,529/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $1,409,582,000 | 25.5% | 6 |
| JPMorgan Chase Bank, National Association | $957,469,000 | 17.3% | 5 |
| Truist Bank | $809,762,000 | 14.6% | 8 |
| Wells Fargo Bank, National Association | $652,562,000 | 11.8% | 4 |
| SouthState Bank, National Association | $546,809,000 | 9.9% | 5 |
| Regions Bank | $249,941,000 | 4.5% | 4 |
| PNC Bank, National Association | $246,705,000 | 4.5% | 3 |
| TD Bank, National Association | $222,834,000 | 4.0% | 3 |
| Fifth Third Bank, National Association | $185,198,000 | 3.3% | 3 |
| BankFlorida | $118,008,000 | 2.1% | 2 |
Deposit concentration is 1,474 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 25.5² + 17.3² + 14.6² + … (11 more) = 1,474
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 | $1,657,438,312 |
| Department of Veterans Affairs | $426,434,548 |
| Department of Transportation | $69,195,941 |
| National Science Foundation | $15,000,002 |
| Department of Housing and Urban Development | $9,758,511 |
| Department of Agriculture | $8,494,922 |
| Federal Communications Commission | $5,988,701 |
| Department of Defense | $5,892,747 |
| Railroad Retirement Board | $5,290,585 |
| Department of Health and Human Services | $3,296,316 |
| Department of Education | $1,842,103 |
| Department of Justice | $1,450,766 |
That is $18,529 per covered job, against 119,278 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 119,278 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,529
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 #
Osceola County, FL: 10 findings, 1 at a watch level and 9 noted
watchOsceola County, FL's typical home value is -3.2% 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 = -3.2450646437254336 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteOsceola County, FL's average weekly wage was 3.2% 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
- +3.2 % = 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
noteOsceola County, FL's covered employment was 0.7% 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
- +0.7 % = 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
noteOsceola County, FL's typical asking rent fell 0.3% from $1,998 in July 2026 to $1,992 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.3% = (1991.8946162706407 - 1998.1078986176303) / 1998.1078986176303 × 100
- 1991.8946162706407 = Zillow ZORI, 2026-08
- 1998.1078986176303 = Zillow ZORI, 2026-07
noteOsceola County, FL's typical home value fell 0.3% from $360,533 in July 2026 to $359,490 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (359490.23066411074 - 360533.2283508985) / 360533.2283508985 × 100
- 359490.23066411074 = Zillow ZHVI, 2026-08
- 360533.2283508985 = Zillow ZHVI, 2026-07
Read all 10 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.