Santa Rosa County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.68, -87.02.
Assembled 2026-10-06. Read the brief.
- 79th pct · 637th of 3,063 US counties · median $234,566
- 65th pct · 24th of 67 Florida counties · median $307,929
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 31st pct · 2,092nd of 3,063 US counties · median +2.9%
- 77th pct · 16th of 67 Florida counties · median -0.8%
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 80th pct · 270th of 1,399 US counties · median $1,496
- 54th pct · 22nd of 47 Florida counties · median $1,898
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 82nd pct · 549th of 3,221 US counties · median 8,232
- 51st pct · 33rd of 67 Florida counties · median 43,443
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 58th pct · 1,327th of 3,221 US counties · median $1,039
- 48th pct · 35th of 67 Florida counties · median $1,084
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 81st pct · 570th of 3,063 US counties · median 4.3
- 71st pct · 20th of 67 Florida counties · median 5.4
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent 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 $350,816 (Aug 2026), +1.3% over one year, +18.2% over five
- 79th pct · 637th of 3,063 US counties · median $234,566
- 65th pct · 24th of 67 Florida counties · median $307,929
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Santa Rosa County, FL | $350,816 · +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 #
Typical rent $1,943/mo (Aug 2026), +2.6% over one year; price-to-rent 15.0
- 80th pct · 270th of 1,399 US counties · median $1,496
- 54th pct · 22nd of 47 Florida counties · median $1,898
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Santa Rosa County, FL | $1,943/mo · +2.6% 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 $1,920 a month on $350,816 at 7.28%, against an average weekly wage worth $4,684 a month: 41.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $350,816 × 80% = $280,653, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,920/mo principal and interest
- wage share = payment / (avg weekly wage $1,081 × 52 / 12 = $4,684) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $350,816 / ($1,081 × 52) = 6.2
- price-to-rent = $350,816 / ($1,943 × 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 #
45,701 jobs at 4,783 employers (2026 Q1); +3.6% jobs and +5.7% average weekly wage over the year
- 82nd pct · 549th of 3,221 US counties · median 8,232
- 51st pct · 33rd of 67 Florida counties · median 43,443
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Santa Rosa County, FL | 45,701 jobs · $1,081/wk · +3.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 7,210 | $701 | 1.62 | +4.8% |
| Accommodation and food services | 6,528 | $517 | 1.59 | +3.4% |
| Health care and social assistance | 6,254 | $1,193 | 0.91 | +6.8% |
| Construction | 3,845 | $1,129 | 1.60 | -1.4% |
| Administrative and waste services | 2,810 | $1,221 | 1.08 | +5.0% |
| Professional and technical services | 2,134 | $2,171 | 0.68 | +3.7% |
| Transportation and warehousing | 1,461 | $1,226 | 0.76 | +18.6% |
| Other services | 1,458 | $941 | 1.07 | -1.0% |
| Wholesale trade | 1,328 | $1,362 | 0.76 | +30.2% |
| Real estate and rental | 1,251 | $1,068 | 1.79 | +6.3% |
| Manufacturing | 1,143 | $1,465 | 0.31 | -0.7% |
| Finance and insurance | 864 | $1,762 | 0.46 | +5.0% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
57 gauges · 0 flooding · 0 with quality panels · 9 stale
Sites found: 57, 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.
| Site | Reading | Distance |
|---|---|---|
| Upper Blackwater River | no readings | 5 km |
| BIG COLDWATER CREEK NR MILTON, FLA. | flow 656.0 ft³/s · no flooding | 6 km |
| Milton Riverwalk (In MHHW) | no flooding | 6 km |
| Tide Gauge at Bagdad Mill Site Park (in MHHW) | no flooding | 8 km |
| Tide Gauge at Pond Creek (in MHHW) | no flooding | 9 km |
| Tide Gauge at Bagdad Boat Ramp (in MHHW) | no flooding | 9 km |
| POND CREEK NR MILTON, FLA. | flow 36.0 ft³/s · STALE | 11 km |
| BLACKWATER RIVER NR HAROLD, FL | stage 4.21 ft | 14 km |
| Yellow River at Brown's Fishing Camp (in MHHW) | no flooding | 14 km |
| YELLOW RIVER NR MILTON, FLA. | flow 2,290 ft³/s | 15 km |
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 #
39 wells in 2 named aquifers: Floridan aquifer system, Surficial aquifer system
Sites found: 39, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-303521087064001 | depth 93.6 ft · 1973-12-10 | 13 km |
| USGS-304102086495501 | depth 62.0 ft · 1973-10-30 | 18 km |
| USGS-303527087140001 | depth 47.1 ft · 1973-10-31 | 23 km |
| USGS-303558087155501 | depth 47.3 ft · 1984-09-29 | 25 km |
| USGS-303610087165001 | depth 87.1 ft · 1984-07-24 | 26 km |
| USGS-302830087113901 | depth 88.8 ft · 1984-09-29 | 28 km |
| USGS-303614087190901 | depth 91.6 ft · 1981-09-17 | 30 km |
| USGS-303108087162301 | depth 81.2 ft · 1982-09-27 | 30 km |
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 #
$1.9 bn in deposits at 23 offices of 12 banks (SOD June 2026); HHI 1,711, moderately concentrated. $1.8 bn federal obligations in FY2026 (direct payments $1.7 bn, contracts $124.8 m), $40,251 per covered job
| Item | Value | Distance |
|---|---|---|
| Regions Bank | $641.7 m · 34.5% share · 5 offices | |
| United Bank | $210.3 m · 11.3% share · 3 offices | |
| Pinnacle Bank | $189.9 m · 10.2% share · 3 offices | |
| Santa Rosa, FL | $1.8 bn FY2026 · $40,251/job | |
| MULTIPLE RECIPIENTS | $1.7 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Regions Bank | $641,666,000 | 34.5% | 5 |
| United Bank | $210,314,000 | 11.3% | 3 |
| Pinnacle Bank | $189,898,000 | 10.2% | 3 |
| Hancock Whitney Bank | $188,104,000 | 10.1% | 2 |
| Truist Bank | $155,425,000 | 8.4% | 2 |
| SouthState Bank, National Association | $115,751,000 | 6.2% | 1 |
| Bank of America, National Association | $101,674,000 | 5.5% | 1 |
| Wells Fargo Bank, National Association | $96,627,000 | 5.2% | 1 |
| Centennial Bank | $60,752,000 | 3.3% | 1 |
| Renasant Bank | $47,638,000 | 2.6% | 2 |
Deposit concentration is 1,711 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 34.5² + 11.3² + 10.2² + … (9 more) = 1,711
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 | $1,037,494,998 |
| Department of Veterans Affairs | $634,261,925 |
| Department of Defense | $119,956,169 |
| Department of Transportation | $28,627,980 |
| Department of Agriculture | $6,440,655 |
| Department of Housing and Urban Development | $5,730,509 |
| Railroad Retirement Board | $5,442,981 |
| Department of Health and Human Services | $3,243,163 |
| Department of the Interior | $2,783,692 |
| Department of Education | $1,164,913 |
| Department of Homeland Security | $771,844 |
| Department of Justice | $227,438 |
That is $40,251 per covered job, against 45,701 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.8 bn / 45,701 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,251
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 | 2026-10-06 | +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 | -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 #
Santa Rosa County, FL: 10 findings, 2 at a watch level and 8 noted
watchSanta Rosa County, FL's typical home value of +1.3% scores 32 on the 0-to-100 scale across US counties but 77 across Florida counties, a gap of 46 points.
Period 2026-08.Show the arithmetic
- 46 = |32 across US counties - 77 across Florida counties|
position among the entities that published this metric this period; not an official level
watchSanta Rosa County, FL's covered employment of 45,701 scores 83 on the 0-to-100 scale across US counties but 52 across Florida counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |83 across US counties - 52 across Florida counties|
position among the entities that published this metric this period; not an official level
noteSanta Rosa County, FL's average weekly wage was 5.7% 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
- +5.7 % = 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
noteSanta Rosa County, FL's covered employment was 3.6% 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
- +3.6 % = 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
noteSanta Rosa County, FL's momentum index of 0.61 ranks 1st of 67 Florida counties, against a median of 0.11.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 67 Florida counties that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
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.