Sarasota County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.23, -82.42.
Assembled 2026-10-19. Read the brief.
- 86th pct · 424th of 3,063 US counties · median $230,451
- 78th pct · 15th 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.
- 11th pct · 2,715th of 3,062 US counties · median +2.9%
- 21st pct · 53rd 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.
- 89th pct · 147th of 1,358 US counties · median $1,506
- 84th pct · 8th 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.
- 94th pct · 163rd of 3,221 US counties · median 8,232
- 83rd pct · 12th 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.
- 87th pct · 406th of 3,221 US counties · median $1,039
- 84th pct · 11th 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.
- 76th pct · 734th of 3,063 US counties · median 4.2
- 63rd pct · 25th 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 $399,023 (Sep 2026), -1.7% over one year, +7.7% over five
- 86th pct · 424th of 3,063 US counties · median $230,451
- 78th pct · 15th 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 |
|---|---|---|
| Sarasota County, FL | $399,023 · -1.7% 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 $2,168/mo (Sep 2026), +0.4% over one year; price-to-rent 15.3
- 89th pct · 147th of 1,358 US counties · median $1,506
- 84th pct · 8th 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 |
|---|---|---|
| Sarasota County, FL | $2,168/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 $2,210 a month on $399,023 at 7.40%, against an average weekly wage worth $5,833 a month: 37.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $399,023 × 80% = $319,218, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,210/mo principal and interest
- wage share = payment / (avg weekly wage $1,346 × 52 / 12 = $5,833) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $399,023 / ($1,346 × 52) = 5.7
- price-to-rent = $399,023 / ($2,168 × 12) = 15.3
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 #
197,469 jobs at 21,466 employers (2026 Q1); +0.4% jobs and +4.6% average weekly wage over the year
- 94th pct · 163rd of 3,221 US counties · median 8,232
- 83rd pct · 12th 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 |
|---|---|---|
| Sarasota County, FL | 197,469 jobs · $1,346/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 39,045 | $1,281 | 1.31 | +4.0% |
| Retail trade | 26,222 | $861 | 1.36 | -1.5% |
| Accommodation and food services | 24,128 | $731 | 1.36 | +2.1% |
| Construction | 18,118 | $1,433 | 1.75 | -4.3% |
| Professional and technical services | 13,526 | $2,001 | 0.99 | -0.3% |
| Administrative and waste services | 11,504 | $1,144 | 1.02 | -0.4% |
| Other services | 7,754 | $936 | 1.31 | +6.2% |
| Manufacturing | 7,750 | $1,569 | 0.49 | -7.9% |
| Arts, entertainment and recreation | 6,610 | $746 | 2.03 | +0.4% |
| Finance and insurance | 6,361 | $3,915 | 0.79 | +2.5% |
| Real estate and rental | 4,280 | $1,194 | 1.41 | +4.5% |
| Wholesale trade | 4,239 | $2,371 | 0.56 | -10.8% |
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 #
$18.3 bn in deposits at 140 offices of 36 banks (SOD June 2026); HHI 810, unconcentrated. $4.6 bn federal obligations in FY2026 (direct payments $4.4 bn, contracts $148.4 m), $23,161 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $2.7 bn · 14.6% share · 14 offices | |
| JPMorgan Chase Bank, National Association | $2.4 bn · 13.1% share · 17 offices | |
| Wells Fargo Bank, National Association | $2.3 bn · 12.6% share · 11 offices | |
| Sarasota, FL | $4.6 bn FY2026 · $23,161/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $2,666,108,000 | 14.6% | 14 |
| JPMorgan Chase Bank, National Association | $2,391,199,000 | 13.1% | 17 |
| Wells Fargo Bank, National Association | $2,296,158,000 | 12.6% | 11 |
| Truist Bank | $2,075,220,000 | 11.4% | 14 |
| Fifth Third Bank, National Association | $1,150,531,000 | 6.3% | 12 |
| Liberty Savings Bank, F.S.B. | $778,504,000 | 4.3% | 4 |
| ServisFirst Bank | $673,767,000 | 3.7% | 2 |
| PNC Bank, National Association | $634,302,000 | 3.5% | 6 |
| The Northern Trust Company | $628,915,000 | 3.4% | 1 |
| Valley National Bank | $496,741,000 | 2.7% | 1 |
Deposit concentration is 810 across 36 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 36 banks with deposits in the county = 14.6² + 13.1² + 12.6² + … (33 more) = 810
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 $23,161 per covered job, against 197,469 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.6 bn / 197,469 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,161
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 #
Sarasota County, FL: 9 findings, 1 at a watch level and 8 noted
watchSarasota County, FL's typical home value is -1.7% 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 = -1.6884198979165408 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteSarasota 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
noteSarasota County, FL's typical asking rent rose 1.1% from $2,145 in August 2026 to $2,168 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.1% = (2167.714636919775 - 2145.0353312833354) / 2145.0353312833354 × 100
- 2167.714636919775 = Zillow ZORI, 2026-09
- 2145.0353312833354 = Zillow ZORI, 2026-08
noteSarasota County, FL's covered employment was 0.4% 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
- +0.4 % = 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
noteSarasota County, FL's typical home value rose 0.3% from $397,632 in August 2026 to $399,023 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (399022.596704581 - 397631.88289365615) / 397631.88289365615 × 100
- 399022.596704581 = Zillow ZHVI, 2026-09
- 397631.88289365615 = Zillow ZHVI, 2026-08
Read all 9 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.