Manatee County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.48, -82.39.
Assembled 2026-10-19. Read the brief.
- 87th pct · 394th of 3,063 US counties · median $230,451
- 84th pct · 11th of 67 Florida counties · median $306,116
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 8th pct · 2,808th of 3,062 US counties · median +2.9%
- 12th pct · 59th of 67 Florida counties · median -0.3%
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 84th pct · 207th of 1,358 US counties · median $1,506
- 77th pct · 11th of 45 Florida counties · median $1,881
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 93rd pct · 217th of 3,221 US counties · median 8,232
- 75th pct · 17th of 67 Florida counties · median 43,443
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 79th pct · 667th of 3,221 US counties · median $1,039
- 72nd pct · 19th of 67 Florida counties · median $1,084
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 83rd pct · 515th of 3,063 US counties · median 4.2
- 78th pct · 15th of 67 Florida counties · median 5.4
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota 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 $408,269 (Sep 2026), -2.5% over one year, +11.8% over five
- 87th pct · 394th of 3,063 US counties · median $230,451
- 84th pct · 11th of 67 Florida counties · median $306,116
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Manatee County, FL | $408,269 · -2.5% 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 $2,031/mo (Sep 2026), -0.3% over one year; price-to-rent 16.7
- 84th pct · 207th of 1,358 US counties · median $1,506
- 77th pct · 11th of 45 Florida counties · median $1,881
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Manatee County, FL | $2,031/mo · -0.3% 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 $2,261 a month on $408,269 at 7.40%, against an average weekly wage worth $5,339 a month: 42.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $408,269 × 80% = $326,615, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,261/mo principal and interest
- wage share = payment / (avg weekly wage $1,232 × 52 / 12 = $5,339) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $408,269 / ($1,232 × 52) = 6.4
- price-to-rent = $408,269 / ($2,031 × 12) = 16.7
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 #
148,982 jobs at 15,221 employers (2026 Q1); +1.6% jobs and +1.3% average weekly wage over the year
- 93rd pct · 217th of 3,221 US counties · median 8,232
- 75th pct · 17th of 67 Florida counties · median 43,443
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Manatee County, FL | 148,982 jobs · $1,232/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 21,761 | $849 | 1.50 | +2.5% |
| Health care and social assistance | 19,744 | $1,289 | 0.88 | -0.5% |
| Accommodation and food services | 17,764 | $628 | 1.33 | +7.8% |
| Construction | 13,397 | $1,288 | 1.72 | -4.5% |
| Manufacturing | 9,505 | $1,503 | 0.79 | +0.0% |
| Administrative and waste services | 8,045 | $1,209 | 0.95 | -3.3% |
| Professional and technical services | 7,317 | $2,034 | 0.71 | +7.8% |
| Other services | 5,471 | $920 | 1.23 | +1.3% |
| Wholesale trade | 5,025 | $1,796 | 0.88 | +8.0% |
| Arts, entertainment and recreation | 4,988 | $1,103 | 2.03 | -0.3% |
| Transportation and warehousing | 3,994 | $1,004 | 0.64 | -0.8% |
| Educational services | 3,993 | $1,029 | 1.25 | +6.6% |
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 #
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 #
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 #
191 gauges · 0 flooding · 36 with quality panels averaging 74 % · 75 stale
Sites found: 191, 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-273126082384700 | stage 0.60 ft · quality 50 % (2) · STALE | 26 km |
| DONNA BAY AT HIGHWAY 41 AT NOKOMIS FL | stage -0.78 ft · quality 50 % (2) | 40 km |
| SULPHUR SPRINGS MOUTH AT SULPHUR SPRINGS FL | temp 25.6 °C · quality 50 % (2) · STALE | 61 km |
| VENICE INLET AT CROW'S NEST MARINA AT VENICE FL | stage -0.73 ft · quality 50 % (2) | 41 km |
| SULPHUR SPRINGS RUN AT SULPHUR SPRINGS FL | flow 12.0 ft³/s · quality 50 % (2) | 61 km |
| SULPHUR SPRINGS AT SULPHUR SPRINGS FL | flow 31.8 ft³/s · quality 50 % (2) | 61 km |
| HILLSBOROUGH R AT FOWLER AV NEAR TEMPLE TERRACE FL | flow 889.0 ft³/s · quality 67 % (3) | 64 km |
| HILLSBOROUGH RIVER AT PLATT STREET AT TAMPA FL | stage 10.2 ft · quality 50 % (2) | 52 km |
| CURRY CREEK AT HIGHWAY 41 AT NOKOMIS FL | stage -0.74 ft · quality 50 % (2) | 41 km |
| HILLSBOROUGH RIVER AT ROWLETT PK DR NEAR TAMPA FL | flow 510.0 ft³/s · quality 50 % (2) | 61 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 #
53 wells in 0 named aquifers:
Sites found: 53, 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-272356082181302 | level 11.5 ft · 2026-10-18 | 12 km |
| USGS-272404082161701 | level 20.9 ft · 2026-10-18 | 15 km |
| USGS-272838082142201 | level 13.9 ft · 2023-07-16 | 15 km |
| USGS-272838082142202 | level 0.46 ft · 2025-11-13 | 15 km |
| USGS-272020082194801 | level 21.4 ft · 2026-10-18 | 16 km |
| USGS-272127082323801 | level -3.42 ft · 2026-10-18 | 20 km |
| USGS-272129082330202 | level 8.06 ft · 2026-10-18 | 20 km |
| USGS-272058082143701 | level 21.2 ft · 2026-10-18 | 20 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 #
moderate (0.41)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.26 / 0.55
Banks & federal dollars #
$10.9 bn in deposits at 99 offices of 26 banks (SOD June 2026); HHI 1,021, moderately concentrated. $3.9 bn federal obligations in FY2026 (direct payments $3.4 bn, grants $399.9 m), $25,882 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $2.2 bn · 20.4% share · 9 offices | |
| JPMorgan Chase Bank, National Association | $1.3 bn · 11.7% share · 9 offices | |
| Wells Fargo Bank, National Association | $1.2 bn · 11.1% share · 10 offices | |
| Manatee, FL | $3.9 bn FY2026 · $25,882/job | |
| MULTIPLE RECIPIENTS | $3.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $2,214,960,000 | 20.4% | 9 |
| JPMorgan Chase Bank, National Association | $1,270,908,000 | 11.7% | 9 |
| Wells Fargo Bank, National Association | $1,202,113,000 | 11.1% | 10 |
| Truist Bank | $1,151,706,000 | 10.6% | 10 |
| Bank OZK | $873,034,000 | 8.0% | 6 |
| Fifth Third Bank, National Association | $808,802,000 | 7.4% | 11 |
| Ameris Bank | $772,174,000 | 7.1% | 5 |
| Hancock Whitney Bank | $518,773,000 | 4.8% | 4 |
| BMO Bank National Association | $376,090,000 | 3.5% | 7 |
| Regions Bank | $373,626,000 | 3.4% | 5 |
Deposit concentration is 1,021 across 26 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 26 banks with deposits in the county = 20.4² + 11.7² + 11.1² + … (23 more) = 1,021
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 | $2,995,881,270 |
| Department of Veterans Affairs | $358,021,781 |
| Department of Housing and Urban Development | $283,938,818 |
| Department of Transportation | $111,509,724 |
| Department of Health and Human Services | $28,321,582 |
| Department of Education | $21,501,176 |
| Department of Homeland Security | $18,727,423 |
| Railroad Retirement Board | $12,481,259 |
| Department of Defense | $7,994,823 |
| Department of Agriculture | $7,028,539 |
| Environmental Protection Agency | $3,033,600 |
| Department of Justice | $3,015,996 |
That is $25,882 per covered job, against 148,982 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.9 bn / 148,982 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,882
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 #
Manatee County, FL: 10 findings, 2 at a watch level and 8 noted
watchManatee County, FL's typical home value is -2.5% 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 = -2.4628964948291396 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchManatee County, FL's price-to-rent ratio of 16.7 scores 48 on the 0-to-100 scale across US counties but 82 across Florida counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |48 across US counties - 82 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
noteManatee County, FL's covered employment was 1.6% 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
- +1.6 % = 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
noteManatee County, FL's average weekly wage was 1.3% 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
- +1.3 % = 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
noteManatee County, FL's typical asking rent fell 0.3% from $2,037 in August 2026 to $2,031 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.3% = (2031.2303408763275 - 2036.5023716016617) / 2036.5023716016617 × 100
- 2031.2303408763275 = Zillow ZORI, 2026-09
- 2036.5023716016617 = 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.