Union County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.05, -82.37.
Assembled 2026-10-06. Read the brief.
- 60th pct · 1,209th of 3,063 US counties · median $234,566
- 25th pct · 50th of 67 Florida counties · median $307,929
- 38th pct · 1,883rd of 3,063 US counties · median +2.9%
- 83rd pct · 12th of 67 Florida counties · median -0.8%
- US counties: not published this period
- Florida counties: not published this period
- 28th pct · 2,310th of 3,221 US counties · median 8,232
- 10th pct · 60th of 67 Florida counties · median 43,443
- 39th pct · 1,940th of 3,221 US counties · median $1,039
- 33rd pct · 45th of 67 Florida counties · median $1,084
- 66th pct · 1,024th of 3,063 US counties · median 4.3
- 39th pct · 41st 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 $265,709 (Aug 2026), +1.9% over one year, +44.6% over five
- 60th pct · 1,209th of 3,063 US counties · median $234,566
- 25th pct · 50th of 67 Florida counties · median $307,929
| Item | Value | Distance |
|---|---|---|
| Union County, FL | $265,709 · +1.9% 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 $1,454 a month on $265,709 at 7.28%, against an average weekly wage worth $4,307 a month: 33.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $265,709 × 80% = $212,567, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,454/mo principal and interest
- wage share = payment / (avg weekly wage $994 × 52 / 12 = $4,307) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $265,709 / ($994 × 52) = 5.1
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 #
3,498 jobs at 224 employers (2026 Q1); -1.5% jobs and +0.7% average weekly wage over the year
- 28th pct · 2,310th of 3,221 US counties · median 8,232
- 10th pct · 60th of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Union County, FL | 3,498 jobs · $994/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 312 | $1,057 | 2.12 | -1.6% |
| Construction | 196 | $1,064 | 1.07 | -0.5% |
| Finance and insurance | 25 | $2,903 | 0.18 | +19.0% |
| Real estate and rental | 21 | $901 | 0.39 | -12.5% |
| Agriculture, forestry, fishing | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Retail trade | withheld | |||
| Information | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld | |||
| Educational services | 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 #
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 #
$74.4 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $69.9 m federal obligations in FY2026 (direct payments $69.0 m, grants $850,065), $19,975 per covered job
| Item | Value | Distance |
|---|---|---|
| DLP Bank | $74.4 m · 100.0% share · 1 office | |
| Union, FL | $69.9 m FY2026 · $19,975/job | |
| MULTIPLE RECIPIENTS | $68.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| DLP Bank | $74,446,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $56,406,742 |
| Department of Veterans Affairs | $11,858,210 |
| Department of Transportation | $850,065 |
| Railroad Retirement Board | $481,828 |
| Department of Agriculture | $274,641 |
| Small Business Administration | $0 |
That is $19,975 per covered job, against 3,498 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $69.9 m / 3,498 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,975
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 #
Union County, FL: 7 findings, 3 at a watch level and 4 noted
watchUnion County, FL's covered employment is -1.5% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchUnion County, FL's typical home value of +1.9% scores 39 on the 0-to-100 scale across US counties but 83 across Florida counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |39 across US counties - 83 across Florida counties|
position among the entities that published this metric this period; not an official level
watchUnion County, FL's typical home value of $265,709 scores 61 on the 0-to-100 scale across US counties but 26 across Florida counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |61 across US counties - 26 across Florida counties|
position among the entities that published this metric this period; not an official level
noteUnion County, FL's covered employment was 1.5% lower 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
- -1.5 % = 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
noteUnion County, FL's typical home value fell 0.8% from $267,765 in July 2026 to $265,709 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.8% = (265708.7944649391 - 267765.4913972103) / 267765.4913972103 × 100
- 265708.7944649391 = Zillow ZHVI, 2026-08
- 267765.4913972103 = Zillow ZHVI, 2026-07
Read all 7 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.