Pinellas County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.91, -82.80.
Assembled 2026-10-19. Read the brief.
- 82nd pct · 539th of 3,063 US counties · median $230,451
- 72nd pct · 19th 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.
- 22nd pct · 2,362nd of 3,062 US counties · median +2.9%
- 57th pct · 29th 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.
- 84th pct · 210th of 1,358 US counties · median $1,506
- 75th pct · 12th 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.
- 98th pct · 62nd of 3,221 US counties · median 8,232
- 90th pct · 7th 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.
- 91st pct · 280th of 3,221 US counties · median $1,039
- 90th pct · 7th 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.
- 63rd pct · 1,104th of 3,063 US counties · median 4.2
- 34th pct · 44th 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 $368,917 (Sep 2026), +0.2% over one year, +12.6% over five
- 82nd pct · 539th of 3,063 US counties · median $230,451
- 72nd pct · 19th 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 |
|---|---|---|
| Pinellas County, FL | $368,917 · +0.2% 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 $2,028/mo (Sep 2026), +1.7% over one year; price-to-rent 15.2
- 84th pct · 210th of 1,358 US counties · median $1,506
- 75th pct · 12th 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 |
|---|---|---|
| Pinellas County, FL | $2,028/mo · +1.7% 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 $2,043 a month on $368,917 at 7.40%, against an average weekly wage worth $6,292 a month: 32.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $368,917 × 80% = $295,133, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,043/mo principal and interest
- wage share = payment / (avg weekly wage $1,452 × 52 / 12 = $6,292) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $368,917 / ($1,452 × 52) = 4.9
- price-to-rent = $368,917 / ($2,028 × 12) = 15.2
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 #
439,747 jobs at 41,905 employers (2026 Q1); -1.2% jobs and +5.7% average weekly wage over the year
- 98th pct · 62nd of 3,221 US counties · median 8,232
- 90th pct · 7th 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 |
|---|---|---|
| Pinellas County, FL | 439,747 jobs · $1,452/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 70,120 | $1,338 | 1.06 | +0.7% |
| Accommodation and food services | 50,305 | $657 | 1.27 | +0.6% |
| Retail trade | 49,101 | $828 | 1.15 | -4.1% |
| Professional and technical services | 34,962 | $1,966 | 1.15 | -3.4% |
| Manufacturing | 34,400 | $1,684 | 0.97 | +1.5% |
| Administrative and waste services | 28,275 | $1,304 | 1.13 | +3.9% |
| Construction | 25,536 | $1,317 | 1.11 | -1.8% |
| Finance and insurance | 20,095 | $3,771 | 1.12 | -3.1% |
| Other services | 13,855 | $1,015 | 1.05 | -0.7% |
| Management of companies | 13,777 | $2,760 | 1.87 | -5.4% |
| Wholesale trade | 13,624 | $2,164 | 0.81 | -1.3% |
| Arts, entertainment and recreation | 10,451 | $844 | 1.44 | +3.6% |
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 #
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 #
$74.0 bn in deposits at 236 offices of 33 banks (SOD June 2026); HHI 3,291, highly concentrated. $9.1 bn federal obligations in FY2026 (direct payments $7.7 bn, contracts $902.1 m), $20,604 per covered job
| Item | Value | Distance |
|---|---|---|
| Raymond James Bank | $41.4 bn · 55.9% share · 1 office | |
| Bank of America, National Association | $5.2 bn · 7.0% share · 21 offices | |
| Wells Fargo Bank, National Association | $4.1 bn · 5.5% share · 25 offices | |
| Pinellas, FL | $9.1 bn FY2026 · $20,604/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Raymond James Bank | $41,395,171,000 | 55.9% | 1 |
| Bank of America, National Association | $5,156,950,000 | 7.0% | 21 |
| Wells Fargo Bank, National Association | $4,099,342,000 | 5.5% | 25 |
| Truist Bank | $3,799,943,000 | 5.1% | 28 |
| Regions Bank | $3,288,258,000 | 4.4% | 27 |
| JPMorgan Chase Bank, National Association | $2,881,477,000 | 3.9% | 26 |
| Fifth Third Bank, National Association | $1,477,853,000 | 2.0% | 20 |
| Bank OZK | $1,465,383,000 | 2.0% | 9 |
| Valley National Bank | $1,388,941,000 | 1.9% | 6 |
| Climate First Bank | $1,226,366,000 | 1.7% | 1 |
Deposit concentration is 3,291 across 33 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 33 banks with deposits in the county = 55.9² + 7.0² + 5.5² + … (30 more) = 3,291
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 $20,604 per covered job, against 439,747 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $9.1 bn / 439,747 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,604
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 #
Pinellas County, FL: 12 findings, 2 at a watch level and 10 noted
watchPinellas 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
watchPinellas County, FL's typical home value of +0.2% scores 23 on the 0-to-100 scale across US counties but 58 across Florida counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |23 across US counties - 58 across Florida counties|
position among the entities that published this metric this period; not an official level
notePinellas County, FL's average weekly wage was 5.7% 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
- +5.7 % = 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
notePinellas County, FL's covered employment was 1.2% 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
- -1.2 % = 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
notePinellas County, FL's typical asking rent rose 0.4% from $2,020 in August 2026 to $2,028 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.4% = (2027.6234098615168 - 2019.5864843554323) / 2019.5864843554323 × 100
- 2027.6234098615168 = Zillow ZORI, 2026-09
- 2019.5864843554323 = Zillow ZORI, 2026-08
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.