Alachua County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.68, -82.36.
Assembled 2026-10-19. Read the brief.
- 70th pct · 915th of 3,063 US counties · median $230,451
- 46th pct · 36th of 67 Florida counties · median $306,116
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 13th pct · 2,661st of 3,062 US counties · median +2.9%
- 28th pct · 48th of 67 Florida counties · median -0.3%
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 61st pct · 526th of 1,358 US counties · median $1,506
- 18th pct · 37th of 45 Florida counties · median $1,881
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 92nd pct · 229th of 3,221 US counties · median 8,232
- 72nd pct · 19th of 67 Florida counties · median 43,443
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 83rd pct · 532nd of 3,221 US counties · median $1,039
- 80th pct · 14th of 67 Florida counties · median $1,084
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
- 55th pct · 1,364th of 3,063 US counties · median 4.2
- 22nd pct · 52nd of 67 Florida counties · median 5.4
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville 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 $298,912 (Sep 2026), -1.3% over one year, +16.2% over five
- 70th pct · 915th of 3,063 US counties · median $230,451
- 46th pct · 36th of 67 Florida counties · median $306,116
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Alachua County, FL | $298,912 · -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 $1,640/mo (Sep 2026), +1.9% over one year; price-to-rent 15.2
- 61st pct · 526th of 1,358 US counties · median $1,506
- 18th pct · 37th of 45 Florida counties · median $1,881
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Alachua County, FL | $1,640/mo · +1.9% 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 $1,656 a month on $298,912 at 7.40%, against an average weekly wage worth $5,551 a month: 29.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $298,912 × 80% = $239,129, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,656/mo principal and interest
- wage share = payment / (avg weekly wage $1,281 × 52 / 12 = $5,551) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $298,912 / ($1,281 × 52) = 4.5
- price-to-rent = $298,912 / ($1,640 × 12) = 15.2
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 #
139,683 jobs at 8,255 employers (2026 Q1); -1.5% jobs and +4.1% average weekly wage over the year
- 92nd pct · 229th of 3,221 US counties · median 8,232
- 72nd pct · 19th of 67 Florida counties · median 43,443
- counties in the Gainesville metro: Rank context is unavailable: the manifest lists 3 counties in the Gainesville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Alachua County, FL | 139,683 jobs · $1,281/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 28,959 | $1,265 | 1.38 | -2.1% |
| Retail trade | 14,145 | $688 | 1.04 | +0.0% |
| Accommodation and food services | 14,022 | $507 | 1.12 | +2.4% |
| Professional and technical services | 6,734 | $1,790 | 0.70 | -3.8% |
| Construction | 5,883 | $1,175 | 0.80 | +0.8% |
| Administrative and waste services | 4,682 | $833 | 0.59 | -28.2% |
| Transportation and warehousing | 3,577 | $1,136 | 0.61 | -6.6% |
| Other services | 3,406 | $850 | 0.82 | +3.5% |
| Finance and insurance | 3,353 | $1,913 | 0.59 | +1.8% |
| Wholesale trade | 2,587 | $3,360 | 0.48 | -3.3% |
| Real estate and rental | 2,396 | $1,113 | 1.12 | +1.8% |
| Arts, entertainment and recreation | 2,238 | $1,039 | 0.97 | +1.7% |
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 #
$5.7 bn in deposits at 53 offices of 18 banks (SOD June 2026); HHI 1,484, moderately concentrated. $2.2 bn federal obligations in FY2026 (direct payments $1.6 bn, grants $447.8 m), $15,629 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $1.4 bn · 24.7% share · 5 offices | |
| Bank of America, National Association | $1.4 bn · 24.4% share · 5 offices | |
| Ameris Bank | $558.4 m · 9.8% share · 6 offices | |
| Alachua, FL | $2.2 bn FY2026 · $15,629/job | |
| MULTIPLE RECIPIENTS | $1.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $1,401,053,000 | 24.7% | 5 |
| Bank of America, National Association | $1,387,493,000 | 24.4% | 5 |
| Ameris Bank | $558,362,000 | 9.8% | 6 |
| Truist Bank | $382,046,000 | 6.7% | 5 |
| JPMorgan Chase Bank, National Association | $352,256,000 | 6.2% | 5 |
| PNC Bank, National Association | $277,359,000 | 4.9% | 3 |
| SouthState Bank, National Association | $275,650,000 | 4.9% | 2 |
| Capital City Bank | $270,845,000 | 4.8% | 8 |
| TD Bank, National Association | $182,372,000 | 3.2% | 1 |
| Seacoast National Bank | $143,712,000 | 2.5% | 1 |
Deposit concentration is 1,484 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 24.7² + 24.4² + 9.8² + … (15 more) = 1,484
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 | $1,213,580,751 |
| Department of Health and Human Services | $305,692,871 |
| Department of Veterans Affairs | $264,506,941 |
| Department of Education | $108,722,600 |
| Department of Defense | $63,399,607 |
| Department of Housing and Urban Development | $49,105,006 |
| National Science Foundation | $38,943,983 |
| Department of Transportation | $38,056,948 |
| Department of Agriculture | $36,422,527 |
| Department of Commerce | $25,244,900 |
| National Aeronautics and Space Administration | $17,410,697 |
| General Services Administration | $6,267,524 |
That is $15,629 per covered job, against 139,683 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 139,683 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,629
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Alachua County, FL: 12 findings, 4 at a watch level and 8 noted
watchAlachua 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
watchAlachua County, FL's typical home value is -1.3% 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 2026-09.Show the arithmetic
- test: home.yoyPct = -1.2888647285469184 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchAlachua County, FL's typical asking rent of $1,640 scores 61 on the 0-to-100 scale across US counties but 18 across Florida counties, a gap of 43 points.
Period 2026-09.Show the arithmetic
- 43 = |61 across US counties - 18 across Florida counties|
position among the entities that published this metric this period; not an official level
watchAlachua County, FL's years of wages of 4.5 scores 55 on the 0-to-100 scale across US counties but 23 across Florida counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |55 across US counties - 23 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
noteAlachua County, FL's average weekly wage was 4.1% 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
- +4.1 % = 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.