Miami-Dade County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 25.62, -80.50.
Assembled 2026-10-19. Read the brief.
- 94th pct · 168th of 3,063 US counties · median $230,451
- 95th pct · 4th of 67 Florida counties · median $306,116
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
- 26th pct · 2,266th of 3,062 US counties · median +2.9%
- 62nd pct · 26th of 67 Florida counties · median -0.3%
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
- 96th pct · 50th of 1,358 US counties · median $1,506
- 97th pct · 2nd of 45 Florida counties · median $1,881
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
- 99th pct · 10th of 3,221 US counties · median 8,232
- 100th pct · 1st of 67 Florida counties · median 43,443
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
- 97th pct · 92nd of 3,221 US counties · median $1,039
- 100th pct · 1st of 67 Florida counties · median $1,084
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
- 74th pct · 769th of 3,063 US counties · median 4.2
- 60th pct · 27th of 67 Florida counties · median 5.4
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach 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 $523,240 (Sep 2026), +0.6% over one year, +35.4% over five
- 94th pct · 168th of 3,063 US counties · median $230,451
- 95th pct · 4th of 67 Florida counties · median $306,116
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miami-Dade County, FL | $523,240 · +0.6% 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 $2,789/mo (Sep 2026), +1.4% over one year; price-to-rent 15.6
- 96th pct · 50th of 1,358 US counties · median $1,506
- 97th pct · 2nd of 45 Florida counties · median $1,881
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miami-Dade County, FL | $2,789/mo · +1.4% 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 $2,898 a month on $523,240 at 7.40%, against an average weekly wage worth $7,787 a month: 37.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $523,240 × 80% = $418,592, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,898/mo principal and interest
- wage share = payment / (avg weekly wage $1,797 × 52 / 12 = $7,787) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $523,240 / ($1,797 × 52) = 5.6
- price-to-rent = $523,240 / ($2,789 × 12) = 15.6
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 #
1.28 m jobs at 126,589 employers (2026 Q1); -0.6% jobs and +4.6% average weekly wage over the year
- 99th pct · 10th of 3,221 US counties · median 8,232
- 100th pct · 1st of 67 Florida counties · median 43,443
- counties in the Miami-Fort Lauderdale-West Palm Beach metro: Rank context is unavailable: the manifest lists 3 counties in the Miami-Fort Lauderdale-West Palm Beach metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miami-Dade County, FL | 1.28 m jobs · $1,797/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 180,263 | $1,431 | 0.94 | +1.5% |
| Retail trade | 138,742 | $1,132 | 1.11 | -1.7% |
| Accommodation and food services | 133,976 | $894 | 1.17 | -1.9% |
| Professional and technical services | 102,690 | $2,488 | 1.17 | +0.8% |
| Transportation and warehousing | 96,575 | $2,101 | 1.79 | +2.3% |
| Administrative and waste services | 75,696 | $1,228 | 1.04 | -1.1% |
| Wholesale trade | 71,783 | $1,847 | 1.47 | -1.3% |
| Construction | 59,548 | $1,544 | 0.89 | +0.0% |
| Finance and insurance | 54,496 | $6,794 | 1.05 | +0.3% |
| Manufacturing | 44,687 | $1,406 | 0.43 | -3.8% |
| Educational services | 39,771 | $1,188 | 1.45 | -0.8% |
| Other services | 39,542 | $1,029 | 1.04 | -0.3% |
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 #
D1 moderate 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$210.9 bn in deposits at 585 offices of 58 banks (SOD June 2026); HHI 659, unconcentrated. $24.9 bn federal obligations in FY2026 (direct payments $22.9 bn, contracts $1.3 bn), $19,483 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $28.4 bn · 13.4% share · 66 offices | |
| JPMorgan Chase Bank, National Association | $23.5 bn · 11.1% share · 77 offices | |
| City National Bank of Florida | $18.6 bn · 8.8% share · 19 offices | |
| Miami-Dade, FL | $24.9 bn FY2026 · $19,483/job | |
| MULTIPLE RECIPIENTS | $21.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $28,359,047,000 | 13.4% | 66 |
| JPMorgan Chase Bank, National Association | $23,488,906,000 | 11.1% | 77 |
| City National Bank of Florida | $18,585,775,000 | 8.8% | 19 |
| Wells Fargo Bank, National Association | $18,444,934,000 | 8.7% | 62 |
| BankUnited, National Association | $17,130,238,000 | 8.1% | 15 |
| Citibank, National Association | $15,922,000,000 | 7.5% | 30 |
| Truist Bank | $7,758,778,000 | 3.7% | 40 |
| Amerant Bank, National Association | $7,351,250,000 | 3.5% | 14 |
| Ocean Bank | $6,064,584,000 | 2.9% | 21 |
| Bradesco Bank | $5,003,248,000 | 2.4% | 1 |
Deposit concentration is 659 across 57 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 57 banks with deposits in the county = 13.4² + 11.1² + 8.8² + … (54 more) = 659
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 |
|---|---|
| Department of Health and Human Services | $11,832,860,523 |
| Social Security Administration | $9,417,526,356 |
| Department of Veterans Affairs | $765,709,138 |
| Department of Housing and Urban Development | $646,279,638 |
| Department of Education | $542,996,652 |
| Department of Defense | $496,007,153 |
| Department of Transportation | $458,986,328 |
| Department of Homeland Security | $214,640,044 |
| General Services Administration | $164,733,407 |
| Department of Commerce | $72,122,603 |
| Department of Justice | $69,301,877 |
| Department of State | $57,718,929 |
That is $19,483 per covered job, against 1,277,549 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $24.9 bn / 1.28 m covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,483
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.
Public companies #
1 public company files with the SEC from a business address here (Lennar Corp). These rows are a committed fixture, not a pull: the snapshot has never been refreshed, so every financial fact is null and the list is not a complete census of filers in this county. The county's jobs mix maps to 10 GICS sectors, led by Real Estate.
| Item | Value | Distance |
|---|---|---|
| Lennar Corp | LEN · NYSE · Consumer Discretionary · Miami, FL 33126 |
This is a committed fixture, not a pull: 1 filers are named and their financial facts are empty until the snapshot is refreshed. An absent company is not evidence that none is headquartered here.
Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
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 #
Miami-Dade County, FL: 17 findings, 3 at a watch level and 14 noted
watchMiami-Dade County, FL's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMiami-Dade County, FL's typical home value of +0.6% scores 26 on the 0-to-100 scale across US counties but 62 across Florida counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |26 across US counties - 62 across Florida counties|
position among the entities that published this metric this period; not an official level
watchMiami-Dade County, FL's price-to-rent ratio of 15.6 scores 36 on the 0-to-100 scale across US counties but 70 across Florida counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |36 across US counties - 70 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
noteMiami-Dade County, FL's average weekly wage was 4.6% 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
- +4.6 % = 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
noteMiami-Dade County, FL's covered employment was 0.6% 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
- -0.6 % = 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
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.