Seminole County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.69, -81.13.
Assembled 2026-10-19. Read the brief.
- 86th pct · 419th of 3,063 US counties · median $230,451
- 80th pct · 14th of 67 Florida counties · median $306,116
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 18th pct · 2,491st of 3,062 US counties · median +2.9%
- 48th pct · 35th of 67 Florida counties · median -0.3%
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 76th pct · 319th of 1,358 US counties · median $1,506
- 47th pct · 24th of 45 Florida counties · median $1,881
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 95th pct · 154th of 3,221 US counties · median 8,232
- 84th pct · 11th of 67 Florida counties · median 43,443
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 88th pct · 368th of 3,221 US counties · median $1,039
- 86th pct · 10th of 67 Florida counties · median $1,084
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 74th pct · 770th of 3,063 US counties · median 4.2
- 59th pct · 28th of 67 Florida counties · median 5.4
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford 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 $400,341 (Sep 2026), -0.3% over one year, +21.8% over five
- 86th pct · 419th of 3,063 US counties · median $230,451
- 80th pct · 14th of 67 Florida counties · median $306,116
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Seminole County, FL | $400,341 · -0.3% 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 $1,856/mo (Sep 2026), +1.0% over one year; price-to-rent 18.0
- 76th pct · 319th of 1,358 US counties · median $1,506
- 47th pct · 24th of 45 Florida counties · median $1,881
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Seminole County, FL | $1,856/mo · +1.0% 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 $2,218 a month on $400,341 at 7.40%, against an average weekly wage worth $5,963 a month: 37.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $400,341 × 80% = $320,273, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,218/mo principal and interest
- wage share = payment / (avg weekly wage $1,376 × 52 / 12 = $5,963) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $400,341 / ($1,376 × 52) = 5.6
- price-to-rent = $400,341 / ($1,856 × 12) = 18.0
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 #
211,288 jobs at 18,273 employers (2026 Q1); -1.5% jobs and +2.8% average weekly wage over the year
- 95th pct · 154th of 3,221 US counties · median 8,232
- 84th pct · 11th of 67 Florida counties · median 43,443
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Seminole County, FL | 211,288 jobs · $1,376/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 26,096 | $1,204 | 0.82 | +2.1% |
| Retail trade | 25,212 | $845 | 1.22 | -3.9% |
| Construction | 24,563 | $1,489 | 2.22 | -2.4% |
| Professional and technical services | 19,745 | $1,903 | 1.35 | +1.0% |
| Accommodation and food services | 18,766 | $562 | 0.99 | -2.9% |
| Administrative and waste services | 17,220 | $1,085 | 1.43 | -3.4% |
| Finance and insurance | 14,548 | $2,471 | 1.69 | -9.5% |
| Manufacturing | 8,254 | $1,401 | 0.49 | +0.1% |
| Other services | 7,678 | $1,391 | 1.22 | +4.1% |
| Wholesale trade | 7,073 | $2,510 | 0.87 | -1.2% |
| Management of companies | 4,787 | $2,506 | 1.35 | +18.9% |
| Educational services | 4,678 | $859 | 1.03 | +0.8% |
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 #
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 #
$11.1 bn in deposits at 92 offices of 25 banks (SOD June 2026); HHI 1,170, moderately concentrated. $2.8 bn federal obligations in FY2026 (direct payments $2.6 bn, contracts $110.0 m), $13,359 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $2.0 bn · 18.1% share · 7 offices | |
| JPMorgan Chase Bank, National Association | $1.9 bn · 17.1% share · 10 offices | |
| Wells Fargo Bank, National Association | $1.7 bn · 15.3% share · 9 offices | |
| Seminole, FL | $2.8 bn FY2026 · $13,359/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $2,005,091,000 | 18.1% | 7 |
| JPMorgan Chase Bank, National Association | $1,896,607,000 | 17.1% | 10 |
| Wells Fargo Bank, National Association | $1,696,866,000 | 15.3% | 9 |
| Truist Bank | $1,464,552,000 | 13.2% | 10 |
| Fifth Third Bank, National Association | $684,638,000 | 6.2% | 7 |
| One Florida Bank | $623,115,000 | 5.6% | 2 |
| Regions Bank | $526,035,000 | 4.8% | 6 |
| Seacoast National Bank | $514,823,000 | 4.7% | 4 |
| Pinnacle Bank | $254,681,000 | 2.3% | 2 |
| SouthState Bank, National Association | $224,959,000 | 2.0% | 2 |
Deposit concentration is 1,170 across 22 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 22 banks with deposits in the county = 18.1² + 17.1² + 15.3² + … (19 more) = 1,170
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 $13,359 per covered job, against 211,288 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.8 bn / 211,288 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,359
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 #
Seminole County, FL: 10 findings, 3 at a watch level and 7 noted
watchSeminole County, FL's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSeminole County, FL's typical home value is -0.3% 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 = -0.33070447824807825 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchSeminole County, FL's price-to-rent ratio of 18.0 scores 58 on the 0-to-100 scale across US counties but 89 across Florida counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |58 across US counties - 89 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
noteSeminole County, FL's average weekly wage was 2.8% 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
- +2.8 % = 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
noteSeminole County, FL's covered employment was 1.5% 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
- -1.5 % = 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
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.