Hillsborough County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.89, -82.38.
Assembled 2026-10-19. Read the brief.
- 83rd pct · 513th of 3,063 US counties · median $230,451
- 75th pct · 17th of 67 Florida counties · median $306,116
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 14th pct · 2,607th of 3,062 US counties · median +2.9%
- 33rd pct · 45th of 67 Florida counties · median -0.3%
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 82nd pct · 243rd of 1,358 US counties · median $1,506
- 63rd pct · 17th of 45 Florida counties · median $1,881
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 99th pct · 26th of 3,221 US counties · median 8,232
- 95th pct · 4th of 67 Florida counties · median 43,443
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 95th pct · 139th of 3,221 US counties · median $1,039
- 96th pct · 3rd of 67 Florida counties · median $1,084
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 53rd pct · 1,440th of 3,063 US counties · median 4.2
- 16th pct · 56th of 67 Florida counties · median 5.4
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater 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 $375,501 (Sep 2026), -0.9% over one year, +18.6% over five
- 83rd pct · 513th of 3,063 US counties · median $230,451
- 75th pct · 17th of 67 Florida counties · median $306,116
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hillsborough County, FL | $375,501 · -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 $1,978/mo (Sep 2026), -0.4% over one year; price-to-rent 15.8
- 82nd pct · 243rd of 1,358 US counties · median $1,506
- 63rd pct · 17th of 45 Florida counties · median $1,881
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hillsborough County, FL | $1,978/mo · -0.4% 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 $2,080 a month on $375,501 at 7.40%, against an average weekly wage worth $7,185 a month: 28.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $375,501 × 80% = $300,401, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,080/mo principal and interest
- wage share = payment / (avg weekly wage $1,658 × 52 / 12 = $7,185) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $375,501 / ($1,658 × 52) = 4.4
- price-to-rent = $375,501 / ($1,978 × 12) = 15.8
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 #
788,882 jobs at 58,498 employers (2026 Q1); -1.2% jobs and +5.8% average weekly wage over the year
- 99th pct · 26th of 3,221 US counties · median 8,232
- 95th pct · 4th of 67 Florida counties · median 43,443
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hillsborough County, FL | 788,882 jobs · $1,658/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 110,056 | $1,454 | 0.93 | +2.7% |
| Professional and technical services | 77,809 | $2,202 | 1.43 | -1.4% |
| Retail trade | 74,904 | $904 | 0.97 | -2.2% |
| Accommodation and food services | 67,321 | $709 | 0.95 | -1.5% |
| Finance and insurance | 62,199 | $3,492 | 1.93 | -9.3% |
| Administrative and waste services | 56,775 | $1,112 | 1.27 | +0.4% |
| Construction | 51,553 | $1,568 | 1.25 | -3.1% |
| Wholesale trade | 37,248 | $2,273 | 1.23 | +1.3% |
| Manufacturing | 30,487 | $1,623 | 0.48 | -1.0% |
| Transportation and warehousing | 29,504 | $1,206 | 0.89 | -4.9% |
| Other services | 21,238 | $998 | 0.90 | -0.2% |
| Arts, entertainment and recreation | 18,752 | $1,025 | 1.44 | +21.2% |
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 #
$45.1 bn in deposits at 259 offices of 51 banks (SOD June 2026); HHI 915, unconcentrated. $50.5 bn federal obligations in FY2026 (direct payments $46.6 bn, contracts $2.5 bn), $63,994 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $7.3 bn · 16.1% share · 33 offices | |
| Bank of America, National Association | $6.6 bn · 14.7% share · 30 offices | |
| Wells Fargo Bank, National Association | $6.2 bn · 13.8% share · 21 offices | |
| Hillsborough, FL | $50.5 bn FY2026 · $63,994/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $7,252,209,000 | 16.1% | 33 |
| Bank of America, National Association | $6,607,104,000 | 14.7% | 30 |
| Wells Fargo Bank, National Association | $6,219,016,000 | 13.8% | 21 |
| JPMorgan Chase Bank, National Association | $3,853,660,000 | 8.6% | 26 |
| Regions Bank | $3,089,164,000 | 6.9% | 21 |
| Valley National Bank | $2,612,415,000 | 5.8% | 6 |
| Fifth Third Bank, National Association | $2,593,024,000 | 5.8% | 18 |
| The Bank of Tampa | $2,338,202,000 | 5.2% | 8 |
| Pinnacle Bank | $1,502,934,000 | 3.3% | 4 |
| PNC Bank, National Association | $1,312,382,000 | 2.9% | 9 |
Deposit concentration is 915 across 49 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 49 banks with deposits in the county = 16.1² + 14.7² + 13.8² + … (46 more) = 915
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 $63,994 per covered job, against 788,882 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $50.5 bn / 788,882 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $63,994
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 #
Hillsborough County, FL: 13 findings, 4 at a watch level and 9 noted
watchHillsborough County, FL's covered employment is -1.2% 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 = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHillsborough County, FL's typical home value is -0.9% 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 = -0.939886805616035 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchHillsborough County, FL's years of wages of 4.4 scores 53 on the 0-to-100 scale across US counties but 17 across Florida counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |53 across US counties - 17 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
watchHillsborough County, FL's price-to-rent ratio of 15.8 scores 38 on the 0-to-100 scale across US counties but 73 across Florida counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |38 across US counties - 73 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
noteHillsborough County, FL's average weekly wage was 5.8% 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
- +5.8 % = 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.