Wakulla County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.09, -84.36.
Assembled 2026-10-19. Read the brief.
- 66th pct · 1,014th of 3,063 US counties · median $230,451
- 36th pct · 43rd of 67 Florida counties · median $306,116
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 28th pct · 2,190th of 3,062 US counties · median +2.9%
- 69th pct · 21st of 67 Florida counties · median -0.3%
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 73rd pct · 356th of 1,358 US counties · median $1,506
- 38th pct · 28th of 45 Florida counties · median $1,881
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 45th pct · 1,767th of 3,221 US counties · median 8,232
- 22nd pct · 52nd of 67 Florida counties · median 43,443
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 34th pct · 2,093rd of 3,221 US counties · median $1,039
- 28th pct · 48th of 67 Florida counties · median $1,084
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
- 75th pct · 748th of 3,063 US counties · median 4.2
- 62nd pct · 26th of 67 Florida counties · median 5.4
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee 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 $285,880 (Sep 2026), +0.9% over one year, +21.9% over five
- 66th pct · 1,014th of 3,063 US counties · median $230,451
- 36th pct · 43rd of 67 Florida counties · median $306,116
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wakulla County, FL | $285,880 · +0.9% 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 #
Typical rent $1,817/mo (Sep 2026), -0.8% over one year; price-to-rent 13.1
- 73rd pct · 356th of 1,358 US counties · median $1,506
- 38th pct · 28th of 45 Florida counties · median $1,881
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wakulla County, FL | $1,817/mo · -0.8% 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 $1,584 a month on $285,880 at 7.40%, against an average weekly wage worth $4,208 a month: 37.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $285,880 × 80% = $228,704, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,584/mo principal and interest
- wage share = payment / (avg weekly wage $971 × 52 / 12 = $4,208) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $285,880 / ($971 × 52) = 5.7
- price-to-rent = $285,880 / ($1,817 × 12) = 13.1
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 #
6,796 jobs at 654 employers (2026 Q1); +1.5% jobs and +4.7% average weekly wage over the year
- 45th pct · 1,767th of 3,221 US counties · median 8,232
- 22nd pct · 52nd of 67 Florida counties · median 43,443
- counties in the Tallahassee metro: Rank context is unavailable: the manifest lists 4 counties in the Tallahassee metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wakulla County, FL | 6,796 jobs · $971/wk · +1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,121 | $583 | 1.69 | +7.9% |
| Accommodation and food services | 773 | $473 | 1.27 | +0.3% |
| Manufacturing | 634 | $1,764 | 1.16 | +14.2% |
| Health care and social assistance | 480 | $785 | 0.47 | +5.0% |
| Professional and technical services | 289 | $2,032 | 0.62 | -17.2% |
| Other services | 190 | $702 | 0.94 | +8.0% |
| Arts, entertainment and recreation | 140 | $512 | 1.25 | +10.2% |
| Finance and insurance | 109 | $1,560 | 0.39 | +3.8% |
| Transportation and warehousing | 78 | $963 | 0.27 | +11.4% |
| Educational services | 62 | $516 | 0.42 | +3.3% |
| Utilities | 53 | $2,800 | 1.97 | +0.0% |
| Real estate and rental | 50 | $913 | 0.48 | +16.3% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$294.8 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,592, highly concentrated. $236.4 m federal obligations in FY2026 (direct payments $229.7 m, contracts $3.9 m), $34,778 per covered job
| Item | Value | Distance |
|---|---|---|
| Centennial Bank | $136.8 m · 46.4% share · 1 office | |
| Ameris Bank | $81.6 m · 27.7% share · 1 office | |
| Capital City Bank | $76.3 m · 25.9% share · 1 office | |
| Wakulla, FL | $236.4 m FY2026 · $34,778/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Centennial Bank | $136,849,000 | 46.4% | 1 |
| Ameris Bank | $81,608,000 | 27.7% | 1 |
| Capital City Bank | $76,330,000 | 25.9% | 1 |
Deposit concentration is 3,592 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 46.4² + 27.7² + 25.9² = 3,592
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 | $183,374,076 |
| Department of Veterans Affairs | $44,741,686 |
| Department of Defense | $2,314,600 |
| Department of Transportation | $2,220,114 |
| Department of the Interior | $1,229,851 |
| Department of Agriculture | $983,027 |
| Railroad Retirement Board | $728,729 |
| Department of Health and Human Services | $311,716 |
| Small Business Administration | $304,988 |
| Federal Communications Commission | $116,338 |
| Department of Justice | $43,242 |
| Department of Commerce | $41,000 |
That is $34,778 per covered job, against 6,796 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $236.4 m / 6,796 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,778
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 #
Wakulla County, FL: 10 findings, 3 at a watch level and 7 noted
watchWakulla County, FL's typical home value of +0.9% scores 28 on the 0-to-100 scale across US counties but 70 across Florida counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |28 across US counties - 70 across Florida counties|
position among the entities that published this metric this period; not an official level
watchWakulla County, FL's typical asking rent of $1,817 scores 74 on the 0-to-100 scale across US counties but 39 across Florida counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |74 across US counties - 39 across Florida counties|
position among the entities that published this metric this period; not an official level
watchWakulla County, FL's typical home value of $285,880 scores 67 on the 0-to-100 scale across US counties but 36 across Florida counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |67 across US counties - 36 across Florida counties|
position among the entities that published this metric this period; not an official level
noteWakulla County, FL's average weekly wage was 4.7% 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
- +4.7 % = 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
noteWakulla County, FL's typical asking rent rose 2.2% from $1,777 in August 2026 to $1,817 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +2.2% = (1816.9444444444443 - 1777.48312567127) / 1777.48312567127 × 100
- 1816.9444444444443 = Zillow ZORI, 2026-09
- 1777.48312567127 = Zillow ZORI, 2026-08
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.