Sumter County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.71, -82.07.
Assembled 2026-10-06. Read the brief.
- 84th pct · 476th of 3,063 US counties · median $234,566
- 77th pct · 16th of 67 Florida counties · median $307,929
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
- 16th pct · 2,571st of 3,063 US counties · median +2.9%
- 50th pct · 34th of 67 Florida counties · median -0.8%
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
- 66th pct · 474th of 1,399 US counties · median $1,496
- 19th pct · 38th of 47 Florida counties · median $1,898
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
- 82nd pct · 574th of 3,221 US counties · median 8,232
- 50th pct · 34th of 67 Florida counties · median 43,443
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
- 74th pct · 833rd of 3,221 US counties · median $1,039
- 63rd pct · 25th of 67 Florida counties · median $1,084
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
- 82nd pct · 547th of 3,063 US counties · median 4.3
- 74th pct · 18th of 67 Florida counties · median 5.4
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages 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 $388,138 (Aug 2026), -0.8% over one year, +20.3% over five
- 84th pct · 476th of 3,063 US counties · median $234,566
- 77th pct · 16th of 67 Florida counties · median $307,929
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sumter County, FL | $388,138 · -0.8% 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 #
Typical rent $1,695/mo (Aug 2026), +3.0% over one year; price-to-rent 19.1
- 66th pct · 474th of 1,399 US counties · median $1,496
- 19th pct · 38th of 47 Florida counties · median $1,898
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sumter County, FL | $1,695/mo · +3.0% 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 $2,125 a month on $388,138 at 7.28%, against an average weekly wage worth $5,118 a month: 41.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $388,138 × 80% = $310,510, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,125/mo principal and interest
- wage share = payment / (avg weekly wage $1,181 × 52 / 12 = $5,118) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $388,138 / ($1,181 × 52) = 6.3
- price-to-rent = $388,138 / ($1,695 × 12) = 19.1
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 #
43,443 jobs at 3,006 employers (2026 Q1); +3.6% jobs and +2.7% average weekly wage over the year
- 82nd pct · 574th of 3,221 US counties · median 8,232
- 50th pct · 34th of 67 Florida counties · median 43,443
- counties in the Wildwood-The Villages metro: Rank context is unavailable: the manifest lists 1 counties in the Wildwood-The Villages metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sumter County, FL | 43,443 jobs · $1,181/wk · +3.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,662 | $1,231 | 1.17 | +3.4% |
| Retail trade | 6,628 | $710 | 1.57 | +13.6% |
| Accommodation and food services | 5,320 | $649 | 1.36 | +5.3% |
| Construction | 4,195 | $1,551 | 1.84 | -5.1% |
| Administrative and waste services | 2,116 | $1,301 | 0.86 | +14.6% |
| Professional and technical services | 1,474 | $1,598 | 0.49 | +5.4% |
| Manufacturing | 1,467 | $1,439 | 0.42 | +2.2% |
| Real estate and rental | 1,443 | $1,251 | 2.17 | +6.2% |
| Finance and insurance | 1,039 | $3,369 | 0.59 | -22.1% |
| Educational services | 1,023 | $771 | 1.09 | +15.2% |
| Arts, entertainment and recreation | 821 | $795 | 1.15 | +4.9% |
| Other services | 807 | $1,156 | 0.62 | +4.9% |
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 #
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 #
180 gauges · 1 flooding · 42 with quality panels averaging 67 % · 23 stale
Sites found: 180, 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 |
|---|---|---|
| CRYSTAL RIVER NEAR CRYSTAL RIVER FL | flow 1,530 ft³/s · quality 50 % (2) | 59 km |
| CHASSAHOWITZKA RIVER NEAR HOMOSASSA FL | flow 111.0 ft³/s · quality 50 % (2) · no flooding | 49 km |
| ROCK SPRINGS NEAR APOPKA, FL | DO 1.70 mg/l · quality 75 % (4) | 56 km |
| CHASSAHOWITZKA R AT MOUTH NR CHASSAHOWITZKA FL | stage -0.22 ft · quality 50 % (2) | 56 km |
| USGS-285531082412600 | stage -0.65 ft · quality 50 % (2) · no flooding | 65 km |
| HALLS RIVER NEAR HOMOSASSA FL | stage 0.69 ft · quality 50 % (2) | 53 km |
| SARAGASSA CANAL AT CRYSTAL RIVER FL | flow 190.0 ft³/s · quality 50 % (2) · no flooding | 55 km |
| CHASSAHOWITZKA RIVER NEAR CHASSAHOWITZKA FL | flow 559.0 ft³/s · quality 50 % (2) · no flooding | 52 km |
| REEDY CREEK AT S-40, NEAR LOUGHMAN, FL | stage 70.0 ft · quality 67 % (3) | 71 km |
| HALLS RIVER AT KINGSTON DR AT HOMOSASSA SPRINGS FL | stage 0.90 ft · quality 50 % (2) | 53 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 #
35 wells in 0 named aquifers:
Sites found: 35, 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-282636082221401 | level 45.0 ft · 2012-09-26 | 42 km |
| USGS-283154082313701 | level 13.4 ft · 2026-10-05 | 49 km |
| USGS-283201082315601 | level 12.7 ft · 2013-04-28 | 49 km |
| USGS-284551082345301 | level 2.36 ft · 2025-11-13 | 50 km |
| USGS-281926082212901 | level 74.5 ft · 2012-10-01 | 52 km |
| USGS-281926082212904 | level 85.0 ft · 2012-10-01 | 52 km |
| USGS-281715082164402 | level 124.9 ft · 2012-10-02 | 52 km |
| USGS-281715082164401 | level 92.3 ft · 2012-10-02 | 52 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 (0.12)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.33 / 0.55
Banks & federal dollars #
$5.1 bn in deposits at 36 offices of 10 banks (SOD June 2026); HHI 3,040, highly concentrated. $2.5 bn federal obligations in FY2026 (direct payments $2.4 bn, contracts $20.9 m), $56,974 per covered job
| Item | Value | Distance |
|---|---|---|
| Seacoast National Bank | $2.6 bn · 51.1% share · 12 offices | |
| JPMorgan Chase Bank, National Association | $645.9 m · 12.8% share · 4 offices | |
| Wells Fargo Bank, National Association | $528.6 m · 10.5% share · 4 offices | |
| Sumter, FL | $2.5 bn FY2026 · $56,974/job | |
| MULTIPLE RECIPIENTS | $2.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Seacoast National Bank | $2,578,823,000 | 51.1% | 12 |
| JPMorgan Chase Bank, National Association | $645,853,000 | 12.8% | 4 |
| Wells Fargo Bank, National Association | $528,600,000 | 10.5% | 4 |
| Truist Bank | $456,520,000 | 9.0% | 5 |
| Bank of America, National Association | $356,170,000 | 7.1% | 2 |
| Fifth Third Bank, National Association | $179,302,000 | 3.6% | 3 |
| Regions Bank | $175,562,000 | 3.5% | 2 |
| SouthState Bank, National Association | $89,282,000 | 1.8% | 1 |
| United Southern Bank | $36,895,000 | 0.7% | 2 |
| Woodforest National Bank | $3,521,000 | 0.1% | 1 |
Deposit concentration is 3,040 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 51.1² + 12.8² + 10.5² + … (7 more) = 3,040
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 | $2,216,431,375 |
| Department of Veterans Affairs | $215,452,082 |
| Department of Justice | $17,293,059 |
| Department of Agriculture | $10,995,757 |
| Department of Health and Human Services | $6,353,227 |
| Railroad Retirement Board | $5,570,272 |
| Department of Transportation | $1,871,474 |
| Federal Communications Commission | $619,521 |
| Department of Education | $252,418 |
| Department of Defense | $146,361 |
| Department of the Interior | $133,932 |
| Department of Energy | $0 |
That is $56,974 per covered job, against 43,443 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.5 bn / 43,443 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $56,974
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 | -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 #
Sumter County, FL: 13 findings, 4 at a watch level and 9 noted
watchSumter County, FL's typical home value is -0.8% 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 = -0.7607228363998565 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchSumter County, FL's typical asking rent of $1,695 scores 66 on the 0-to-100 scale across US counties but 20 across Florida counties, a gap of 47 points.
Period 2026-08.Show the arithmetic
- 47 = |66 across US counties - 20 across Florida counties|
position among the entities that published this metric this period; not an official level
watchSumter County, FL's typical home value of -0.8% scores 16 on the 0-to-100 scale across US counties but 50 across Florida counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |16 across US counties - 50 across Florida counties|
position among the entities that published this metric this period; not an official level
watchSumter County, FL's covered employment of 43,443 scores 82 on the 0-to-100 scale across US counties but 50 across Florida counties, a gap of 32 points.
Period 2026 Q1.Show the arithmetic
- 32 = |82 across US counties - 50 across Florida counties|
position among the entities that published this metric this period; not an official level
noteSumter 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
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.