Collier County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 26.12, -81.40.
Assembled 2026-10-19. Read the brief.
- 95th pct · 146th of 3,063 US counties · median $230,451
- 96th pct · 3rd of 67 Florida counties · median $306,116
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
- 12th pct · 2,676th of 3,062 US counties · median +2.9%
- 27th pct · 49th of 67 Florida counties · median -0.3%
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
- 95th pct · 64th of 1,358 US counties · median $1,506
- 93rd pct · 4th of 45 Florida counties · median $1,881
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
- 94th pct · 187th of 3,221 US counties · median 8,232
- 80th pct · 14th of 67 Florida counties · median 43,443
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
- 90th pct · 317th of 3,221 US counties · median $1,039
- 87th pct · 9th of 67 Florida counties · median $1,084
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
- 91st pct · 264th of 3,063 US counties · median 4.2
- 93rd pct · 5th of 67 Florida counties · median 5.4
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island 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 $552,087 (Sep 2026), -1.4% over one year, +19.8% over five
- 95th pct · 146th of 3,063 US counties · median $230,451
- 96th pct · 3rd of 67 Florida counties · median $306,116
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Collier County, FL | $552,087 · -1.4% 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 $2,607/mo (Sep 2026), +2.2% over one year; price-to-rent 17.6
- 95th pct · 64th of 1,358 US counties · median $1,506
- 93rd pct · 4th of 45 Florida counties · median $1,881
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Collier County, FL | $2,607/mo · +2.2% 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 $3,058 a month on $552,087 at 7.40%, against an average weekly wage worth $6,158 a month: 49.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $552,087 × 80% = $441,669, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,058/mo principal and interest
- wage share = payment / (avg weekly wage $1,421 × 52 / 12 = $6,158) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $552,087 / ($1,421 × 52) = 7.5
- price-to-rent = $552,087 / ($2,607 × 12) = 17.6
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 #
176,493 jobs at 18,914 employers (2026 Q1); -0.7% jobs and +3.8% average weekly wage over the year
- 94th pct · 187th of 3,221 US counties · median 8,232
- 80th pct · 14th of 67 Florida counties · median 43,443
- counties in the Naples-Marco Island metro: Rank context is unavailable: the manifest lists 1 counties in the Naples-Marco Island metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Collier County, FL | 176,493 jobs · $1,421/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 27,066 | $879 | 1.71 | +2.9% |
| Health care and social assistance | 24,964 | $1,489 | 0.94 | +1.4% |
| Retail trade | 22,446 | $975 | 1.31 | -2.5% |
| Construction | 18,727 | $1,372 | 2.02 | -8.7% |
| Administrative and waste services | 11,720 | $1,069 | 1.17 | -0.3% |
| Arts, entertainment and recreation | 9,995 | $1,132 | 3.44 | +4.2% |
| Professional and technical services | 8,299 | $2,068 | 0.68 | +0.8% |
| Other services | 7,822 | $1,022 | 1.48 | -2.3% |
| Wholesale trade | 5,716 | $2,437 | 0.85 | +1.5% |
| Manufacturing | 5,125 | $1,585 | 0.36 | -4.3% |
| Real estate and rental | 4,924 | $1,344 | 1.82 | +0.7% |
| Finance and insurance | 4,687 | $6,300 | 0.65 | -0.6% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
101 gauges · 0 flooding · 25 with quality panels averaging 73 % · 65 stale
Sites found: 101, 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 |
|---|---|---|
| TURNER RIVER NR CHOKOLOSKEE ISLAND, FL | stage 3.28 ft · quality 50 % (2) | 33 km |
| MO - 214 Miami-Dade County, FL | temp 23.4 °C · quality 50 % (2) · STALE | 68 km |
| EAST RIVER NEAR EVERGLADES CITY, FL | flow 66.5 ft³/s · quality 50 % (2) | 25 km |
| PUMPKIN RIVER NEAR GOODLAND, FL | flow 17.7 ft³/s · quality 50 % (2) | 26 km |
| FAKA UNION BOUNDARY NEAR PANTHER KEY FL | temp 28.0 °C · quality 50 % (2) | 32 km |
| FAKA UNION BOUNDARY AT CHANNEL MARKER 6 FL | stage 4.21 ft · quality 50 % (2) · STALE | 32 km |
| GORDON RIVER AT ROWING CLUB POINT NEAR NAPLES, FL | stage 0.97 ft · quality 50 % (2) · STALE | 39 km |
| BLACKWATER RIVER NEAR GOODLAND, FL | flow 333.0 ft³/s · quality 50 % (2) | 26 km |
| FAKA-UNION RIVER NEAR THE MOUTH | flow -118.0 ft³/s · quality 50 % (2) | 26 km |
| FAKA UNION CANAL BOAT BASIN AT PORT OF ISLES,FL | temp 26.6 °C · quality 50 % (2) · STALE | 21 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 #
90 wells in 2 named aquifers: Intermediate aquifer system, Biscayne aquifer
Sites found: 90, 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 |
|---|---|---|
| USGS-260640081204301 | level 12.3 ft · 2018-10-03 | 6 km |
| USGS-260309081272601 | level 37.6 ft · 2025-04-10 | 9 km |
| USGS-260111081243901 | level 4.57 ft · 2026-10-18 | 12 km |
| USGS-261444081284901 | level 12.3 ft · 2018-11-18 | 16 km |
| USGS-261741081235401 | level 16.6 ft · 2018-10-31 | 20 km |
| USGS-261733081285502 | level 13.3 ft · 1996-09-29 | 21 km |
| USGS-261347081351201 | level 9.01 ft · 2016-01-18 | 22 km |
| USGS-261347081351202 | level 5.74 ft · 2016-01-18 | 22 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 (0.10)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.27 / 0.55
Banks & federal dollars #
$19.2 bn in deposits at 126 offices of 37 banks (SOD June 2026); HHI 756, unconcentrated. $3.3 bn federal obligations in FY2026 (direct payments $3.2 bn, contracts $70.6 m), $18,627 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $2.7 bn · 14.0% share · 17 offices | |
| Bank of America, National Association | $2.5 bn · 13.1% share · 13 offices | |
| Wells Fargo Bank, National Association | $2.0 bn · 10.2% share · 11 offices | |
| Collier, FL | $3.3 bn FY2026 · $18,627/job | |
| MULTIPLE RECIPIENTS | $3.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $2,681,150,000 | 14.0% | 17 |
| Bank of America, National Association | $2,507,285,000 | 13.1% | 13 |
| Wells Fargo Bank, National Association | $1,958,314,000 | 10.2% | 11 |
| JPMorgan Chase Bank, National Association | $1,811,174,000 | 9.5% | 14 |
| Sunflower Bank, National Association | $1,339,419,000 | 7.0% | 6 |
| First Horizon Bank | $1,324,974,000 | 6.9% | 7 |
| Truist Bank | $777,706,000 | 4.1% | 8 |
| KeyBank National Association | $770,230,000 | 4.0% | 1 |
| EverBank, National Association | $627,538,000 | 3.3% | 1 |
| Commerce Bank | $615,554,000 | 3.2% | 4 |
Deposit concentration is 756 across 34 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 34 banks with deposits in the county = 14.0² + 13.1² + 10.2² + … (31 more) = 756
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 | $2,967,531,552 |
| Department of Veterans Affairs | $163,389,896 |
| Department of Defense | $59,987,940 |
| Department of Health and Human Services | $45,123,806 |
| Department of the Interior | $19,821,216 |
| Department of Transportation | $13,753,098 |
| Department of Housing and Urban Development | $13,018,550 |
| Railroad Retirement Board | $10,875,684 |
| Department of Agriculture | $7,276,834 |
| Department of Education | $4,693,585 |
| Federal Communications Commission | $778,056 |
| Department of Justice | $394,462 |
That is $18,627 per covered job, against 176,493 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.3 bn / 176,493 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,627
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 #
Collier County, FL: 17 findings, 4 at a watch level and 13 noted
watchCollier County, FL's years of wages of 7.5 ranks 264th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 91.41084258654473 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchCollier County, FL's typical home value is -1.4% 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 = -1.3772402517813551 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCollier County, FL's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCollier County, FL's price-to-rent ratio of 17.6 scores 55 on the 0-to-100 scale across US counties but 86 across Florida counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |55 across US counties - 86 across Florida counties|
- 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
noteCollier County, FL's average weekly wage was 3.8% 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
- +3.8 % = 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
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.