Florence County, SC
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.03, -79.71.
Assembled 2026-10-19. Read the brief.
- 39th pct · 1,844th of 3,063 US counties · median $230,451
- 40th pct · 28th of 46 South Carolina counties · median $213,114
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
- 64th pct · 1,083rd of 3,062 US counties · median +2.9%
- 80th pct · 10th of 46 South Carolina counties · median +1.2%
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
- 55th pct · 607th of 1,358 US counties · median $1,506
- 50th pct · 13th of 25 South Carolina counties · median $1,574
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
- 87th pct · 398th of 3,221 US counties · median 8,232
- 77th pct · 11th of 46 South Carolina counties · median 18,411
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
- 61st pct · 1,236th of 3,221 US counties · median $1,039
- 62nd pct · 18th of 46 South Carolina counties · median $1,061
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
- 35th pct · 1,980th of 3,063 US counties · median 4.2
- 37th pct · 29th of 46 South Carolina counties · median 4.0
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence 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 $204,585 (Sep 2026), +4.0% over one year, +27.2% over five
- 39th pct · 1,844th of 3,063 US counties · median $230,451
- 40th pct · 28th of 46 South Carolina counties · median $213,114
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Florence County, SC | $204,585 · +4.0% 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 $1,574/mo (Sep 2026), +0.0% over one year; price-to-rent 10.8
- 55th pct · 607th of 1,358 US counties · median $1,506
- 50th pct · 13th of 25 South Carolina counties · median $1,574
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Florence County, SC | $1,574/mo · +0.0% 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 $1,133 a month on $204,585 at 7.40%, against an average weekly wage worth $4,749 a month: 23.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $204,585 × 80% = $163,668, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,133/mo principal and interest
- wage share = payment / (avg weekly wage $1,096 × 52 / 12 = $4,749) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $204,585 / ($1,096 × 52) = 3.6
- price-to-rent = $204,585 / ($1,574 × 12) = 10.8
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 #
69,168 jobs at 3,646 employers (2026 Q1); -0.9% jobs and +2.8% average weekly wage over the year
- 87th pct · 398th of 3,221 US counties · median 8,232
- 77th pct · 11th of 46 South Carolina counties · median 18,411
- counties in the Florence metro: Rank context is unavailable: the manifest lists 2 counties in the Florence metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Florence County, SC | 69,168 jobs · $1,096/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,588 | $1,222 | 0.92 | -1.5% |
| Retail trade | 8,100 | $699 | 1.20 | -2.8% |
| Manufacturing | 7,631 | $1,547 | 1.37 | -4.1% |
| Accommodation and food services | 7,612 | $410 | 1.22 | +1.6% |
| Administrative and waste services | 4,227 | $688 | 1.08 | -3.4% |
| Transportation and warehousing | 3,367 | $841 | 1.15 | +1.2% |
| Wholesale trade | 2,727 | $1,347 | 1.03 | +0.8% |
| Construction | 1,782 | $1,233 | 0.49 | +0.0% |
| Other services | 1,641 | $825 | 0.79 | +0.0% |
| Finance and insurance | 1,400 | $2,148 | 0.50 | -3.4% |
| Real estate and rental | 699 | $1,023 | 0.66 | -18.0% |
| Arts, entertainment and recreation | 464 | $419 | 0.41 | +9.4% |
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 #
D2 severe 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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$3.6 bn in deposits at 38 offices of 14 banks (SOD June 2026); HHI 1,102, moderately concentrated. $945.2 m federal obligations in FY2026 (direct payments $899.1 m, grants $30.3 m), $13,665 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $652.3 m · 18.1% share · 4 offices | |
| SouthState Bank, National Association | $505.4 m · 14.0% share · 4 offices | |
| The Citizens Bank | $417.4 m · 11.6% share · 7 offices | |
| Florence, SC | $945.2 m FY2026 · $13,665/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $652,329,000 | 18.1% | 4 |
| SouthState Bank, National Association | $505,441,000 | 14.0% | 4 |
| The Citizens Bank | $417,379,000 | 11.6% | 7 |
| First-Citizens Bank & Trust Company | $407,774,000 | 11.3% | 4 |
| First Reliance Bank | $373,881,000 | 10.4% | 2 |
| First Bank | $331,719,000 | 9.2% | 1 |
| Truist Bank | $224,566,000 | 6.2% | 2 |
| Carolina Bank & Trust Co. | $214,929,000 | 6.0% | 4 |
| TD Bank, National Association | $167,536,000 | 4.7% | 1 |
| Anderson Brothers Bank | $154,221,000 | 4.3% | 4 |
Deposit concentration is 1,102 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 18.1² + 14.0² + 11.6² + … (11 more) = 1,102
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 #
That is $13,665 per covered job, against 69,168 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $945.2 m / 69,168 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,665
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 · % | 73.84 | 2026-10-19 | not published |
| 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 #
Florence County, SC: 9 findings, 1 at a watch level and 8 noted
watchFlorence County, SC's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFlorence County, SC's average weekly wage was 2.8% 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
- +2.8 % = 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
noteFlorence County, SC's covered employment was 0.9% 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
- -0.9 % = 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
noteFlorence County, SC's typical asking rent fell 0.9% from $1,588 in August 2026 to $1,574 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.9% = (1574.3133903133903 - 1587.8685721335605) / 1587.8685721335605 × 100
- 1574.3133903133903 = Zillow ZORI, 2026-09
- 1587.8685721335605 = Zillow ZORI, 2026-08
noteFlorence County, SC's price-to-rent ratio of 10.8 ranks 25th of 25 South Carolina counties, against a median of 16.0.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 25 South Carolina counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
Read all 9 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.