Putnam County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.59, -81.73.
Assembled 2026-10-06. Read the brief.
- 43rd pct · 1,731st of 3,063 US counties · median $234,566
- 12th pct · 59th of 67 Florida counties · median $307,929
- 27th pct · 2,234th of 3,063 US counties · median +2.9%
- 72nd pct · 19th of 67 Florida counties · median -0.8%
- 38th pct · 858th of 1,399 US counties · median $1,496
- 0th pct · 47th of 47 Florida counties · median $1,898
- 68th pct · 1,015th of 3,221 US counties · median 8,232
- 39th pct · 41st of 67 Florida counties · median 43,443
- 52nd pct · 1,525th of 3,221 US counties · median $1,039
- 40th pct · 40th of 67 Florida counties · median $1,084
- 44th pct · 1,712th of 3,063 US counties · median 4.3
- 7th pct · 62nd 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 $218,349 (Aug 2026), +0.7% over one year, +14.9% over five
- 43rd pct · 1,731st of 3,063 US counties · median $234,566
- 12th pct · 59th of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| Putnam County, FL | $218,349 · +0.7% 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 $1,374/mo (Aug 2026), +0.4% over one year; price-to-rent 13.2
- 38th pct · 858th of 1,399 US counties · median $1,496
- 0th pct · 47th of 47 Florida counties · median $1,898
| Item | Value | Distance |
|---|---|---|
| Putnam County, FL | $1,374/mo · +0.4% 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 $1,195 a month on $218,349 at 7.28%, against an average weekly wage worth $4,550 a month: 26.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $218,349 × 80% = $174,679, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,195/mo principal and interest
- wage share = payment / (avg weekly wage $1,050 × 52 / 12 = $4,550) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $218,349 / ($1,050 × 52) = 4.0
- price-to-rent = $218,349 / ($1,374 × 12) = 13.2
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 #
17,693 jobs at 1,596 employers (2026 Q1); +0.7% jobs and +1.7% average weekly wage over the year
- 68th pct · 1,015th of 3,221 US counties · median 8,232
- 39th pct · 41st of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Putnam County, FL | 17,693 jobs · $1,050/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,704 | $653 | 1.57 | +0.7% |
| Health care and social assistance | 2,404 | $1,175 | 0.90 | +0.3% |
| Manufacturing | 1,928 | $1,550 | 1.35 | +2.8% |
| Accommodation and food services | 1,781 | $499 | 1.12 | -0.6% |
| Construction | 1,450 | $1,048 | 1.56 | +0.0% |
| Administrative and waste services | 683 | $1,113 | 0.68 | -3.5% |
| Agriculture, forestry, fishing | 660 | $749 | 5.16 | +13.8% |
| Other services | 491 | $693 | 0.93 | -0.8% |
| Finance and insurance | 353 | $1,150 | 0.49 | +0.6% |
| Utilities | 278 | $2,520 | 3.98 | +4.1% |
| Wholesale trade | 196 | $1,618 | 0.29 | -25.8% |
| Transportation and warehousing | 177 | $777 | 0.24 | +14.9% |
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 #
$947.6 m in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,288, highly concentrated. $634.8 m federal obligations in FY2026 (direct payments $602.2 m, grants $32.1 m), $35,878 per covered job
| Item | Value | Distance |
|---|---|---|
| SouthState Bank, National Association | $331.2 m · 35.0% share · 2 offices | |
| Capital City Bank | $197.4 m · 20.8% share · 2 offices | |
| Ameris Bank | $173.1 m · 18.3% share · 2 offices | |
| Putnam, FL | $634.8 m FY2026 · $35,878/job | |
| MULTIPLE RECIPIENTS | $586.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| SouthState Bank, National Association | $331,191,000 | 35.0% | 2 |
| Capital City Bank | $197,360,000 | 20.8% | 2 |
| Ameris Bank | $173,078,000 | 18.3% | 2 |
| TD Bank, National Association | $140,002,000 | 14.8% | 1 |
| Barwick Banking Company | $81,563,000 | 8.6% | 1 |
| DLP Bank | $24,383,000 | 2.6% | 1 |
Deposit concentration is 2,288 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 35.0² + 20.8² + 18.3² + … (3 more) = 2,288
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 | $490,381,490 |
| Department of Veterans Affairs | $92,660,385 |
| Department of Education | $19,852,964 |
| Department of Transportation | $8,973,963 |
| Department of Health and Human Services | $6,986,745 |
| Department of Housing and Urban Development | $6,637,193 |
| Department of Agriculture | $4,605,859 |
| Railroad Retirement Board | $3,150,193 |
| Federal Communications Commission | $874,303 |
| Department of the Interior | $432,512 |
| Department of Justice | $250,000 |
| Department of Defense | $18,270 |
That is $35,878 per covered job, against 17,693 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $634.8 m / 17,693 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,878
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 #
Putnam County, FL: 12 findings, 4 at a watch level and 8 noted
watchPutnam County, FL's typical home value of +0.7% scores 27 on the 0-to-100 scale across US counties but 73 across Florida counties, a gap of 46 points.
Period 2026-08.Show the arithmetic
- 46 = |27 across US counties - 73 across Florida counties|
position among the entities that published this metric this period; not an official level
watchPutnam County, FL's typical asking rent of $1,374 scores 39 on the 0-to-100 scale across US counties but 0 across Florida counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |39 across US counties - 0 across Florida counties|
position among the entities that published this metric this period; not an official level
watchPutnam County, FL's years of wages of 4.0 scores 44 on the 0-to-100 scale across US counties but 8 across Florida counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |44 across US counties - 8 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
watchPutnam County, FL's typical home value of $218,349 scores 44 on the 0-to-100 scale across US counties but 12 across Florida counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |44 across US counties - 12 across Florida counties|
position among the entities that published this metric this period; not an official level
notePutnam County, FL's average weekly wage was 1.7% 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
- +1.7 % = 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
Read all 12 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.