St. Lucie County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.38, -80.44.
Assembled 2026-10-19. Read the brief.
- 82nd pct · 530th of 3,063 US counties · median $230,451
- 74th pct · 18th of 67 Florida counties · median $306,116
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 14th pct · 2,608th of 3,062 US counties · median +2.9%
- 31st pct · 46th of 67 Florida counties · median -0.3%
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 92nd pct · 103rd of 1,358 US counties · median $1,506
- 88th pct · 6th of 45 Florida counties · median $1,881
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 90th pct · 313th of 3,221 US counties · median 8,232
- 65th pct · 24th of 67 Florida counties · median 43,443
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 56th pct · 1,402nd of 3,221 US counties · median $1,039
- 46th pct · 36th of 67 Florida counties · median $1,084
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 85th pct · 431st of 3,063 US counties · median 4.2
- 84th pct · 11th of 67 Florida counties · median 5.4
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie 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 $370,781 (Sep 2026), -0.9% over one year, +20.6% over five
- 82nd pct · 530th of 3,063 US counties · median $230,451
- 74th pct · 18th of 67 Florida counties · median $306,116
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| St. Lucie County, FL | $370,781 · -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 $2,329/mo (Sep 2026), +1.6% over one year; price-to-rent 13.3
- 92nd pct · 103rd of 1,358 US counties · median $1,506
- 88th pct · 6th of 45 Florida counties · median $1,881
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| St. Lucie County, FL | $2,329/mo · +1.6% 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 $2,054 a month on $370,781 at 7.40%, against an average weekly wage worth $4,632 a month: 44.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $370,781 × 80% = $296,625, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,054/mo principal and interest
- wage share = payment / (avg weekly wage $1,069 × 52 / 12 = $4,632) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $370,781 / ($1,069 × 52) = 6.7
- price-to-rent = $370,781 / ($2,329 × 12) = 13.3
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 #
93,724 jobs at 9,318 employers (2026 Q1); +0.5% jobs and +2.4% average weekly wage over the year
- 90th pct · 313th of 3,221 US counties · median 8,232
- 65th pct · 24th of 67 Florida counties · median 43,443
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| St. Lucie County, FL | 93,724 jobs · $1,069/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 15,373 | $1,234 | 1.09 | +3.6% |
| Retail trade | 13,261 | $766 | 1.45 | +0.6% |
| Accommodation and food services | 9,290 | $573 | 1.10 | -2.8% |
| Construction | 7,147 | $1,103 | 1.45 | -5.1% |
| Administrative and waste services | 6,761 | $939 | 1.27 | +8.6% |
| Transportation and warehousing | 4,638 | $962 | 1.17 | +0.6% |
| Manufacturing | 4,078 | $1,340 | 0.54 | -5.6% |
| Other services | 3,294 | $842 | 1.18 | -3.3% |
| Professional and technical services | 3,075 | $1,489 | 0.48 | +4.4% |
| Wholesale trade | 3,027 | $1,418 | 0.84 | -1.4% |
| Arts, entertainment and recreation | 1,772 | $848 | 1.15 | +0.7% |
| Educational services | 1,530 | $837 | 0.76 | -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 #
No drought class at this point (USDM covers the United States only)
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$6.1 bn in deposits at 42 offices of 11 banks (SOD June 2026); HHI 1,172, moderately concentrated. $2.9 bn federal obligations in FY2026 (direct payments $2.8 bn, contracts $111.6 m), $31,434 per covered job
| Item | Value | Distance |
|---|---|---|
| TD Bank, National Association | $912.3 m · 14.8% share · 4 offices | |
| Seacoast National Bank | $856.5 m · 13.9% share · 5 offices | |
| PNC Bank, National Association | $829.0 m · 13.5% share · 9 offices | |
| St. Lucie, FL | $2.9 bn FY2026 · $31,434/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TD Bank, National Association | $912,253,000 | 14.8% | 4 |
| Seacoast National Bank | $856,450,000 | 13.9% | 5 |
| PNC Bank, National Association | $829,050,000 | 13.5% | 9 |
| JPMorgan Chase Bank, National Association | $749,462,000 | 12.2% | 4 |
| Bank of America, National Association | $726,132,000 | 11.8% | 4 |
| Wells Fargo Bank, National Association | $651,212,000 | 10.6% | 5 |
| SouthState Bank, National Association | $620,252,000 | 10.1% | 3 |
| Truist Bank | $495,419,000 | 8.1% | 4 |
| Pinnacle Bank | $119,313,000 | 1.9% | 2 |
| Flagstar Bank, National Association | $106,231,000 | 1.7% | 1 |
Deposit concentration is 1,172 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 14.8² + 13.9² + 13.5² + … (8 more) = 1,172
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 $31,434 per covered job, against 93,724 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.9 bn / 93,724 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,434
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 #
St. Lucie County, FL: 8 findings, 1 at a watch level and 7 noted
watchSt. Lucie 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 = -0.9424560393187618 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteSt. Lucie County, FL's average weekly wage was 2.4% 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
- +2.4 % = 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
noteSt. Lucie County, FL's covered employment was 0.5% 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
- +0.5 % = 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
noteSt. Lucie County, FL's typical asking rent of $2,329 ranks 103rd of 1,358 US counties, against a median of $1,506.
Period 2026-09.Show the arithmetic
- 92 on the 0-to-100 scale across 1358 US counties that published rent.latest
position among the entities that published this metric this period; not an official level
noteSt. Lucie County, FL's covered employment of 93,724 ranks 313th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 90 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 8 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.