Washington County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.60, -85.66.
Assembled 2026-10-06. Read the brief.
- 45th pct · 1,663rd of 3,063 US counties · median $234,566
- 15th pct · 57th of 67 Florida counties · median $307,929
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
- 25th pct · 2,294th of 3,063 US counties · median +2.9%
- 66th pct · 23rd of 67 Florida counties · median -0.8%
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Florida counties: not published this period
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
- 43rd pct · 1,811th of 3,221 US counties · median 8,232
- 21st pct · 53rd of 67 Florida counties · median 43,443
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
- 26th pct · 2,382nd of 3,221 US counties · median $1,039
- 16th pct · 56th of 67 Florida counties · median $1,084
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
- 56th pct · 1,320th of 3,063 US counties · median 4.3
- 24th pct · 51st of 67 Florida counties · median 5.4
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach 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 $223,859 (Aug 2026), +0.5% over one year, +17.3% over five
- 45th pct · 1,663rd of 3,063 US counties · median $234,566
- 15th pct · 57th of 67 Florida counties · median $307,929
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washington County, FL | $223,859 · +0.5% 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
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
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 $1,225 a month on $223,859 at 7.28%, against an average weekly wage worth $4,047 a month: 30.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $223,859 × 80% = $179,087, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,225/mo principal and interest
- wage share = payment / (avg weekly wage $934 × 52 / 12 = $4,047) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $223,859 / ($934 × 52) = 4.6
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 #
6,380 jobs at 569 employers (2026 Q1); -0.4% jobs and +4.2% average weekly wage over the year
- 43rd pct · 1,811th of 3,221 US counties · median 8,232
- 21st pct · 53rd of 67 Florida counties · median 43,443
- counties in the Panama City-Panama City Beach metro: Rank context is unavailable: the manifest lists 2 counties in the Panama City-Panama City Beach metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washington County, FL | 6,380 jobs · $934/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 811 | $599 | 1.30 | +6.6% |
| Construction | 588 | $1,041 | 1.76 | -8.4% |
| Professional and technical services | 359 | $1,441 | 0.82 | +0.0% |
| Wholesale trade | 165 | $1,125 | 0.68 | -5.7% |
| Manufacturing | 157 | $739 | 0.31 | -7.6% |
| Finance and insurance | 133 | $1,230 | 0.51 | +0.0% |
| Real estate and rental | 50 | $974 | 0.51 | +56.2% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | 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 #
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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.
| Site | Reading | Distance |
|---|---|---|
| LAKE SEMINOLE NEAR CHATTAHOOCHEE, FL | 77.4 ft (USGS, no capacity on file) | 77 km |
| CHATTAHOOCHEE RIVER NEAR COLUMBIA, AL | 102.5 ft (USGS, no capacity on file) | 90 km |
| WALTER F. GEORGE RESERVOIR NEAR FORT GAINES, GA | 189.1 ft (USGS, no capacity on file) | 127 km |
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 #
23 gauges · 0 flooding · 3 with quality panels averaging 83 % · 8 stale
Sites found: 23, 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 |
|---|---|---|
| HOLMES CREEK AT VERNON, FLA. | flow 366.0 ft³/s | 6 km |
| CHOCTAWHATCHEE RIVER AT CARYVILLE, FLA. | flow 1,110 ft³/s | 25 km |
| ECONFINA CREEK NEAR BENNETT, FLA. | flow 1,010 ft³/s | 26 km |
| BRUCE CREEK AT SH 81 NR REDBAY, FL | flow 83.7 ft³/s | 28 km |
| CHOCTAWHATCHEE RIVER NR BRUCE, FLA. | flow 2,450 ft³/s · quality 100 % (1) | 29 km |
| PINE LOG CREEK NR EBRO, FL | flow 285.0 ft³/s · STALE | 29 km |
| WRIGHTS CREEK AT SH 177-A NR BONIFAY,FL | flow 88.8 ft³/s · STALE | 30 km |
| CHOCTAWHATCHEE RIVER NR PITTMAN, FLA. | flow 1,830 ft³/s · quality 50 % (1) | 43 km |
| CHIPOLA RIVER AT MARIANNA FL | flow 346.0 ft³/s | 46 km |
| CHIPOLA RIVER NR ALTHA, FLA. | flow 1,370 ft³/s | 48 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 #
46 wells in 2 named aquifers: Floridan aquifer system, Surficial aquifer system
Sites found: 46, 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 |
|---|---|---|
| Floridan aquifer system | depth 26.1 ft · 1974-11-06 | 5 km |
| Surficial aquifer system | depth 65.4 ft · 1975-09-19 | 13 km |
| Floridan aquifer system | level 60.6 ft · 2016-01-26 | 13 km |
| Floridan aquifer system | depth 156.4 ft · 1970-09-23 | 27 km |
| Floridan aquifer system | depth 155.7 ft · 1972-10-12 | 29 km |
| Floridan aquifer system | depth -5.47 ft · 1973-11-13 | 30 km |
| Floridan aquifer system | depth -4.30 ft · 1973-05-03 | 30 km |
| FRM NO 72 SH FST AM FRMS | depth 11.1 ft · 1970-09-23 | 31 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 (0.06)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.17 / 0.55
Banks & federal dollars #
$365.6 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 1,920, highly concentrated. $208.0 m federal obligations in FY2026 (direct payments $169.2 m, grants $37.3 m), $32,595 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $99.9 m · 27.3% share · 1 office | |
| Regions Bank | $79.7 m · 21.8% share · 1 office | |
| One Florida Bank | $59.0 m · 16.1% share · 1 office | |
| Washington, FL | $208.0 m FY2026 · $32,595/job | |
| MULTIPLE RECIPIENTS | $166.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $99,905,000 | 27.3% | 1 |
| Regions Bank | $79,724,000 | 21.8% | 1 |
| One Florida Bank | $59,035,000 | 16.1% | 1 |
| First Federal Bank | $52,032,000 | 14.2% | 1 |
| PeoplesSouth Bank | $50,268,000 | 13.7% | 1 |
| Capital City Bank | $24,628,000 | 6.7% | 1 |
Deposit concentration is 1,920 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 = 27.3² + 21.8² + 16.1² + … (3 more) = 1,920
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 | $134,581,899 |
| Department of Transportation | $32,981,421 |
| Department of Veterans Affairs | $31,071,672 |
| Department of Education | $4,458,830 |
| Department of Agriculture | $3,519,462 |
| Railroad Retirement Board | $760,511 |
| Department of Housing and Urban Development | $534,311 |
| Department of Justice | $33,750 |
| Federal Communications Commission | $15,795 |
| Small Business Administration | $0 |
That is $32,595 per covered job, against 6,380 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $208.0 m / 6,380 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,595
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 #
Washington County, FL: 7 findings, 4 at a watch level and 3 noted
watchWashington County, FL's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWashington County, FL's typical home value of +0.5% scores 25 on the 0-to-100 scale across US counties but 67 across Florida counties, a gap of 42 points.
Period 2026-08.Show the arithmetic
- 42 = |25 across US counties - 67 across Florida counties|
position among the entities that published this metric this period; not an official level
watchWashington County, FL's years of wages of 4.6 scores 57 on the 0-to-100 scale across US counties but 24 across Florida counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |57 across US counties - 24 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
watchWashington County, FL's typical home value of $223,859 scores 46 on the 0-to-100 scale across US counties but 15 across Florida counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |46 across US counties - 15 across Florida counties|
position among the entities that published this metric this period; not an official level
noteWashington County, FL's average weekly wage was 4.2% 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
- +4.2 % = 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
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.