Honolulu County, HI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 21.46, -158.20.
Assembled 2026-10-19. Read the brief.
- 98th pct · 35th of 3,063 US counties · median $230,451
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
- 47th pct · 1,620th of 3,062 US counties · median +2.9%
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
- 97th pct · 29th of 1,358 US counties · median $1,506
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
- 98th pct · 60th of 3,221 US counties · median 8,232
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
- 90th pct · 293rd of 3,221 US counties · median $1,039
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
- 98th pct · 47th of 3,063 US counties · median 4.2
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu 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 $855,988 (Sep 2026), +2.6% over one year, +11.9% over five
- 98th pct · 35th of 3,063 US counties · median $230,451
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Honolulu County, HI | $855,988 · +2.6% 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 $3,015/mo (Sep 2026), +4.0% over one year; price-to-rent 23.7
- 97th pct · 29th of 1,358 US counties · median $1,506
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Honolulu County, HI | $3,015/mo · +4.0% 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 $4,741 a month on $855,988 at 7.40%, against an average weekly wage worth $6,244 a month: 75.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $855,988 × 80% = $684,790, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $4,741/mo principal and interest
- wage share = payment / (avg weekly wage $1,441 × 52 / 12 = $6,244) = 76% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $855,988 / ($1,441 × 52) = 11.4
- price-to-rent = $855,988 / ($3,015 × 12) = 23.7
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 #
454,805 jobs at 32,919 employers (2026 Q1); -0.5% jobs and +1.9% average weekly wage over the year
- 98th pct · 60th of 3,221 US counties · median 8,232
- Hawaii counties: Rank context is unavailable: 4 of Hawaii counties are in the table, fewer than the 5 a rank needs.
- counties in the Urban Honolulu metro: Rank context is unavailable: the manifest lists 1 counties in the Urban Honolulu metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Honolulu County, HI | 454,805 jobs · $1,441/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 63,923 | $871 | 1.56 | +0.4% |
| Health care and social assistance | 56,543 | $1,493 | 0.83 | -0.4% |
| Retail trade | 40,540 | $909 | 0.91 | -1.3% |
| Construction | 27,908 | $1,874 | 1.17 | -1.7% |
| Administrative and waste services | 26,176 | $1,050 | 1.01 | +2.9% |
| Transportation and warehousing | 22,511 | $1,760 | 1.17 | -3.4% |
| Professional and technical services | 21,764 | $1,993 | 0.69 | -0.9% |
| Other services | 18,771 | $1,019 | 1.38 | -0.8% |
| Wholesale trade | 13,435 | $1,613 | 0.77 | -0.4% |
| Educational services | 12,259 | $947 | 1.25 | +2.8% |
| Finance and insurance | 11,950 | $2,725 | 0.64 | +0.1% |
| Arts, entertainment and recreation | 8,358 | $707 | 1.12 | -1.3% |
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 #
$46.0 bn in deposits at 146 offices of 13 banks (SOD June 2026); HHI 2,461, highly concentrated. $10.5 bn federal obligations in FY2026 (direct payments $6.6 bn, contracts $2.9 bn), $23,185 per covered job
| Item | Value | Distance |
|---|---|---|
| First Hawaiian Bank | $15.0 bn · 32.6% share · 27 offices | |
| Bank of Hawaii | $14.7 bn · 32.0% share · 25 offices | |
| American Savings Bank, National Association | $6.7 bn · 14.6% share · 24 offices | |
| Honolulu, HI | $10.5 bn FY2026 · $23,185/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Hawaiian Bank | $14,979,740,000 | 32.6% | 27 |
| Bank of Hawaii | $14,682,359,000 | 32.0% | 25 |
| American Savings Bank, National Association | $6,702,362,000 | 14.6% | 24 |
| Central Pacific Bank | $5,608,516,000 | 12.2% | 20 |
| Bank of Hope | $1,482,765,000 | 3.2% | 23 |
| Hawaii National Bank | $690,998,000 | 1.5% | 8 |
| Finance Factors, Ltd. | $462,133,000 | 1.0% | 9 |
| Mechanics Bank | $380,505,000 | 0.8% | 3 |
| Commonwealth Business Bank | $320,927,000 | 0.7% | 3 |
| First-Citizens Bank & Trust Company | $296,854,000 | 0.6% | 1 |
Deposit concentration is 2,461 across 13 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 32.6² + 32.0² + 14.6² + … (10 more) = 2,461
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 $23,185 per covered job, against 454,805 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $10.5 bn / 454,805 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,185
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 #
Honolulu County, HI: 14 findings, 4 at a watch level and 10 noted
watchHonolulu County, HI's years of wages of 11.4 ranks 47th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 98.4977139124755 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchHonolulu County, HI's years of wages is 11.4, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, 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: yearsOfWages = 11.42352556765091 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchHonolulu County, HI's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHonolulu County, HI's price-to-rent ratio of 23.7 ranks 135th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 90.12527634487842 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
noteHonolulu County, HI's average weekly wage was 1.9% 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
- +1.9 % = 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.