64th pct · 1,099th of 3,063 US counties · median $234,566
Home value, one year
+0.1%
as of August 2026
21st pct · 2,405th of 3,063 US counties · median +2.9%
Typical rent
$1,506
as of August 2026
50th pct · 687th of 1,399 US counties · median $1,496
Jobs
14,797
as of 2026 Q1-01
64th pct · 1,152nd of 3,221 US counties · median 8,232
Average weekly wage
$1,198
as of 2026 Q1-01
75th pct · 780th of 3,221 US counties · median $1,039
Years of wages per home
4.5
54th pct · 1,408th of 3,063 US counties · median 4.3
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.
Typical home $278,877 (Aug 2026), +0.1% over one year, +17.3% over five
64th pct · 1,099th of 3,063 US counties · median $234,566
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.
Item
Value
Distance
Santa Cruz County
$278,877 · +0.1% 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.
Principal and interest of $1,526 a month on $278,877 at 7.28%, against an average weekly wage worth $5,191 a month: 29.4% of one job’s pay.
payment = P·r / (1 − (1+r)^−n), P = $278,877 × 80% = $223,101, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,526/mo principal and interest
wage share = payment / (avg weekly wage $1,198 × 52 / 12 = $5,191) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
years of wages = $278,877 / ($1,198 × 52) = 4.5
price-to-rent = $278,877 / ($1,506 × 12) = 15.4
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.
14,797 jobs at 1,228 employers (2026 Q1); +2.7% jobs and +7.3% average weekly wage over the year
64th pct · 1,152nd of 3,221 US counties · median 8,232
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.
Item
Value
Distance
Santa Cruz County
14,797 jobs · $1,198/wk · +2.7% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sector
Jobs
Avg weekly wage
Location quotient
Jobs over the year
Wholesale trade
2,223
$1,333
3.92
+1.9%
Retail trade
1,841
$629
1.28
+0.4%
Transportation and warehousing
1,684
$1,051
2.70
-6.5%
Accommodation and food services
1,326
$538
1.00
-2.9%
Administrative and waste services
237
$868
0.28
+13.9%
Other services
190
$762
0.43
-6.4%
Finance and insurance
169
$988
0.28
+2.4%
Real estate and rental
98
$949
0.43
+2.1%
Utilities
49
$1,887
0.84
+11.4%
Arts, entertainment and recreation
44
$411
0.18
+131.6%
Agriculture, forestry, fishing
withheld
Mining, oil and gas
withheld
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.
$946.2 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 3,509, highly concentrated. $3.2 bn federal obligations in FY2026 (contracts $2.9 bn, direct payments $262.7 m), $217,999 per covered job
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.
Item
Value
Distance
Wells Fargo Bank, National Association
$408.4 m · 43.2% share · 2 offices
JPMorgan Chase Bank, National Association
$374.5 m · 39.6% share · 1 office
WaFd Bank
$56.5 m · 6.0% share · 1 office
Santa Cruz, AZ
$3.2 bn FY2026 · $217,999/job
FISHER SAND & GRAVEL CO
$2.9 bn · top recipient FY2026
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
Institution
Deposits
Share
Offices
Wells Fargo Bank, National Association
$408,359,000
43.2%
2
JPMorgan Chase Bank, National Association
$374,466,000
39.6%
1
WaFd Bank
$56,538,000
6.0%
1
Zions Bancorporation, N.A.
$47,463,000
5.0%
1
Enterprise Bank & Trust
$31,689,000
3.3%
1
First National Bank Texas
$27,685,000
2.9%
1
Deposit concentration is 3,509 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 43.2² + 39.6² + 6.0² + … (3 more) = 3,509
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.
USAspending place-of-performance obligations for FY2026, by awarding agency.
USAspending, FY2026, place of performance in this county.
Awarding agency
Obligations
Department of Homeland Security
$2,916,406,094
Social Security Administration
$230,616,685
Department of Veterans Affairs
$25,393,569
Department of Agriculture
$12,259,119
General Services Administration
$12,067,492
Department of Health and Human Services
$8,119,138
Department of State
$7,196,669
Department of Transportation
$5,687,795
Department of the Interior
$3,129,436
Department of Housing and Urban Development
$2,774,233
Federal Communications Commission
$1,077,539
Railroad Retirement Board
$960,829
That is $217,999 per covered job, against 14,797 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.2 bn / 14,797 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $217,999
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.
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
The national indicator set, unfiltered by place.
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
16.50
2026-09-30
-11.7%
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 · %
71.30
2026-10-01
+0.1%
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
6.00
2026-09-22
-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box
6,830.00
2026-08-01
+7.4%
US diesel retail price · $ per gallon
unavailable
not published
WTI crude oil, spot · $ per barrel
96.16
2026-09-29
-3.2%
30-year fixed mortgage rate · %
7.28
2026-10-01
+3.6%
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 · %
4.10
2026-08-01
+0.0%
US goods and services trade balance, monthly · $ millions
-88,576.00
2026-07-01
-24.4%
Retail sales excluding food services, monthly · $ millions
646,347.00
2026-08-01
+1.1%
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.
noteFIPS 04023, AZ's average weekly wage was 7.3% 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
+7.3 % = 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
noteFIPS 04023, AZ's covered employment was 2.7% 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
+2.7 % = 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
noteFIPS 04023, AZ's typical home value fell 0.3% from $279,725 in July 2026 to $278,877 in August 2026, on Zillow ZHVI.
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for FIPS 04023, AZ could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteFIPS 04023, AZ's momentum index of 0.61 ranks 321st of 3,221 US counties, against a median of 0.23.
Period 2026-08.
Show the arithmetic
90 on the 0-to-100 scale across 3221 US counties that published momentum
momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level