San Francisco County, CA

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.75, -122.44.

Assembled 2026-10-02. Read the brief.

Typical home value
$1,424,486
as of August 2026
  • 99th pct · 9th of 3,063 US counties · median $234,566
  • 94th pct · 4th of 58 California counties · median $500,264
Home value, one year
+13.6%
as of August 2026
  • 98th pct · 32nd of 3,063 US counties · median +2.9%
  • 100th pct · 1st of 58 California counties · median +0.3%
Typical rent
$4,682
as of August 2026
  • 99th pct · 3rd of 1,399 US counties · median $1,496
  • 100th pct · 1st of 49 California counties · median $2,340
Jobs
704,926
as of 2026 Q1-01
  • 98th pct · 35th of 3,221 US counties · median 8,232
  • 85th pct · 9th of 58 California counties · median 74,865
Average weekly wage
$4,049
as of 2026 Q1-01
  • 99th pct · 4th of 3,221 US counties · median $1,039
  • 96th pct · 3rd of 58 California counties · median $1,206
Years of wages per home
6.8
  • 86th pct · 417th of 3,063 US counties · median 4.3
  • 36th pct · 37th of 58 California counties · median 7.4

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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $1.4 m (Aug 2026), +13.6% over one year, +1.8% over five

  • 99th pct · 9th of 3,063 US counties · median $234,566
  • 94th pct · 4th of 58 California counties · median $500,264
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.
ItemValueDistance
San Francisco County, CA$1.4 m · +13.6% 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $4,682/mo (Aug 2026), +25.2% over one year; price-to-rent 25.4

  • 99th pct · 3rd of 1,399 US counties · median $1,496
  • 100th pct · 1st of 49 California counties · median $2,340
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
San Francisco County, CA$4,682/mo · +25.2% 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 #

currentretrieved 2026-10-02

Principal and interest of $7,797 a month on $1,424,486 at 7.28%, against an average weekly wage worth $17,546 a month: 44.4% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $1.4 m × 80% = $1.1 m, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $7,797/mo principal and interest
  • wage share = payment / (avg weekly wage $4,049 × 52 / 12 = $17,546) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $1.4 m / ($4,049 × 52) = 6.8
  • price-to-rent = $1.4 m / ($4,682 × 12) = 25.4

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.

Jobs & wages #

currentas of 2026 Q1retrieved 2026-10-02

704,926 jobs at 70,863 employers (2026 Q1); +1.0% jobs and -9.5% average weekly wage over the year

  • 98th pct · 35th of 3,221 US counties · median 8,232
  • 85th pct · 9th of 58 California counties · median 74,865
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.
ItemValueDistance
San Francisco County, CA704,926 jobs · $4,049/wk · +1.0% 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 sectorJobsAvg weekly wageLocation quotientJobs over the year
Professional and technical services130,102$5,9772.68+1.2%
Health care and social assistance87,843$1,4160.83+4.9%
Accommodation and food services65,492$9821.03-0.7%
Information64,987$8,0205.00+6.3%
Finance and insurance37,662$12,5091.31-0.8%
Administrative and waste services37,107$2,8100.93+5.7%
Retail trade29,844$1,5710.43-3.7%
Other services26,930$1,4401.28-2.6%
Construction20,372$2,6820.55-4.8%
Educational services15,907$1,4571.05-4.0%
Transportation and warehousing14,653$5,7410.49-10.8%
Arts, entertainment and recreation14,492$1,7261.25+5.0%

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 #

currentretrieved 2026-10-02

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 #

currentretrieved 2026-10-02

1 USGS reservoir gauges, no capacity figures to weight

Sites found: 1, 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.
SiteReadingDistance
INDIAN VALLEY RES A CLEARLAKE OAKS CA203,300 Acre-ft (USGS, no capacity on file)148 km

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 #

currentretrieved 2026-10-02

101 gauges · 0 flooding · 57 with quality panels averaging 75 % · 36 stale

Sites found: 101, 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.
SiteReadingDistance
USGS-374949122320102turb. 5.80 FNU · quality 80 % (5) · STALE12 km
CORTE MADERA C NR LARKSPUR CAturb. 8.90 FNU · quality 67 % (3) · STALE22 km
SAN PABLO STRAIT A PT SAN PABLO CAtemp 20.4 °C · quality 50 % (2) · STALE24 km
USGS-372525121584701turb. 38.4 FNU · quality 50 % (3) · STALE54 km
USGS-380240122255701temp 18.6 °C · quality 50 % (2) · STALE33 km
USGS-375607122264701turb. 11.0 FNU · quality 67 % (3)21 km
MT EDEN C NR UNION CITY CAturb. 118.0 FNU · quality 60 % (5) · STALE32 km
USGS-372750122012701stage 7.80 ft · quality 33 % (3)49 km
USGS-374938122251801turb. 5.10 FNU · quality 75 % (4)9 km
ARROYO DE LA LAGUNA A VERONA CAflow 5.73 ft³/s · quality 67 % (3)51 km

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 #

currentretrieved 2026-10-02

5 wells in 0 named aquifers:

Sites found: 5, 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.
SiteReadingDistance
USGS-374004122092105depth 14.0 ft · 2026-08-0627 km
USGS-374004122092104depth 7.33 ft · 2026-08-0627 km
USGS-374004122092106depth 3.28 ft · 2026-08-0627 km
USGS-374004122092102depth 15.7 ft · 2026-08-0627 km
USGS-374004122092103depth 14.5 ft · 2026-08-0627 km

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 #

currentretrieved 2026-10-02

low (0.09)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.25 / 0.55

Banks & federal dollars #

currentretrieved 2026-10-02

$338.3 bn in deposits at 195 offices of 46 banks (SOD June 2026); HHI 4,554, highly concentrated. $250,856 federal obligations in FY2026 (loans $250,856), $0 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.
ItemValueDistance
Bank of America, National Association$221.3 bn · 65.4% share · 27 offices
Wells Fargo Bank, National Association$49.3 bn · 14.6% share · 29 offices
JPMorgan Chase Bank, National Association$20.9 bn · 6.2% share · 32 offices
San Francisco, CA$250,856 FY2026 · $0/job
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Bank of America, National Association$221,315,905,00065.4%27
Wells Fargo Bank, National Association$49,294,158,00014.6%29
JPMorgan Chase Bank, National Association$20,935,608,0006.2%32
Bank of America California, National Association$12,306,000,0003.6%1
Citibank, National Association$5,808,000,0001.7%19
Citizens Bank, National Association$5,126,384,0001.5%2
HSBC Bank USA, National Association$4,808,109,0001.4%1
East West Bank$2,712,081,0000.8%9
BMO Bank National Association$2,082,394,0000.6%9
U.S. Bank National Association$1,964,981,0000.6%10

Deposit concentration is 4,554 across 41 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 41 banks with deposits in the county = 65.4² + 14.6² + 6.2² + … (38 more) = 4,554

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 #

unavailableretrieved 2026-10-02USAspending did not return a recipient, agency and NAICS breakdown for this county.

That is $0 per covered job, against 704,926 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $250,856 / 704,926 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $0

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.

Public companies #

currentretrieved 2026-10-02The company snapshot is a committed fixture, not a pull.

1 public company files with the SEC from a business address here (Prologis, Inc.). These rows are a committed fixture, not a pull: the snapshot has never been refreshed, so every financial fact is null and the list is not a complete census of filers in this county. The county's jobs mix maps to 10 GICS sectors, led by Communication Services.

Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
ItemValueDistance
Prologis, Inc.PLD · NYSE · Real Estate · San Francisco, CA 94111

This is a committed fixture, not a pull: 1 filers are named and their financial facts are empty until the snapshot is refreshed. An absent company is not evidence that none is headquartered here.

Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.

National context, not this county #

currentretrieved 2026-10-02

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.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.102026-08-01+0.0%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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.

What changed #

currentretrieved 2026-10-02

San Francisco County, CA: 21 findings, 6 at a watch level and 15 noted

  1. watchSan Francisco County, CA's typical asking rent is +25.2% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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 2026-08.
    Show the arithmetic
    • test: rent.yoyPct = 25.217054019678297 >= 8

    arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level

  2. watchSan Francisco County, CA's average weekly wage is -9.5% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.
    Show the arithmetic
    • test: jobs.yoy.avgWeeklyWage = -9.5 < 0

    BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level

  3. watchSan Francisco County, CA's price-to-rent ratio of 25.4 ranks 79th of 1,399 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 2026-08.
    Show the arithmetic
    • test: priceToRent percentile = 94.4206008583691 >= 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

  4. watchSan Francisco County, CA's price-to-rent ratio is 25.4, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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 2026-08.
    Show the arithmetic
    • test: priceToRent = 25.35123359467714 >= 25
    • typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month

    typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level

  5. watchSan Francisco County, CA's typical asking rent rose 3.3% from $4,534 in July 2026 to $4,682 in August 2026, on Zillow ZORI.

    Period 2026-08.
    Show the arithmetic
    • +3.3% = (4682.499558887302 - 4534.2433528585025) / 4534.2433528585025 × 100
    • 4682.499558887302 = Zillow ZORI, 2026-08
    • 4534.2433528585025 = Zillow ZORI, 2026-07

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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $1.4 m / ($4,682 × 12) = 25.4
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 06075, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · payment = P·r / (1 − (1+r)^−n), P = $1.4 m × 80% = $1.1 m, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $7,797/mo principal and interest; wage share = payment / (avg weekly wage $4,049 × 52 / 12 = $17,546) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $1.4 m / ($4,049 × 52) = 6.8; price-to-rent = $1.4 m / ($4,682 × 12) = 25.4
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 06075, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • publishedWorld Port Index (Pub 150)National Geospatial-Intelligence Agencyopen the source
    Pub 150 World Port Index · retrieved 2026-10-02
  • publishedPort Performance Freight StatisticsU.S. Bureau of Transportation Statisticsopen the source
    5rpz-kgm9 port statistics · period 2023 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · 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%); terms home value 1-yr change +13.6% / ±10% × 0.3, rent 1-yr change +25.2% / ±10% × 0.15, jobs over-the-year change +1.0% / ±3% × 0.3, avg weekly wage over-the-year change -9.5% / ±6% × 0.25
  • publishedU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    USDM_current · retrieved 2026-10-02
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00062,00054 · period 2026-10-02T00:00:00.000Z · retrieved 2026-10-02
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00010,00060,00065,00095,00300,00400,63680 · period 2026-10-02T00:35:00.000Z · retrieved 2026-10-02
  • estimateUSGS Water Data APIU.S. Geological Surveyopen the source
    · retrieved 2026-10-02 · quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 57 sites = 75 %
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019 · period 2026-08-06T00:00:00.000Z · retrieved 2026-10-02
  • estimateU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    · retrieved 2026-10-02 · supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.25 / 0.55 = 0.09; terms drought (no drought class here), quality (1 − 75 % / 100)
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054 · period 2026-10-02T00:35:00+00:00 · retrieved 2026-10-02
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019,62610,62611 · period 2026-09-30 · retrieved 2026-10-02
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:06075:2026 · period 2026-06-30 · retrieved 2026-10-02
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:06075:2026 · period 2026-06-30 · retrieved 2026-10-02 · HHI = Σ (share %)² over 41 banks with deposits in the county = 65.4² + 14.6² + 6.2² + … (38 more) = 4,554
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-02
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-02 · per job = FY2026 obligations $250,856 / 704,926 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $0
  • publishedEDGAR company filings and XBRL APIsU.S. Securities and Exchange Commissionopen the source
    · retrieved 2026-10-02
  • publishedZCTA to county relationship file (2020)U.S. Census Bureauopen the source
    · retrieved 2026-10-02
  • publishedTIGERwebU.S. Census Bureauopen the source
    · retrieved 2026-10-02
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    qcew:06075:sectors · retrieved 2026-10-02 · NAICS sector -> GICS sector by the static table in lib/companies/sectors.ts; lq = sum(emp_i * lq_i) / sum(emp_i) over the NAICS sectors folded into the GICS sector, withheld cells excluded; ETFs are the convention list, not a recommendation
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · 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%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $1.4 m / ($4,682 × 12) = 25.4.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 06075, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/06075.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $1.4 m × 80% = $1.1 m, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $7,797/mo principal and interest; wage share = payment / (avg weekly wage $4,049 × 52 / 12 = $17,546) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $1.4 m / ($4,049 × 52) = 6.8; price-to-rent = $1.4 m / ($4,682 × 12) = 25.4.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 06075, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/06075.csv. accessed 2026-10-02.
  • National Geospatial-Intelligence Agency. World Port Index (Pub 150). series Pub 150 World Port Index. https://msi.nga.mil/Publications/WPI. accessed 2026-10-02.
  • U.S. Bureau of Transportation Statistics. Port Performance Freight Statistics. series 5rpz-kgm9 port statistics. period 2023. https://data.bts.gov/resource/5rpz-kgm9.json. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: 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%); terms home value 1-yr change +13.6% / ±10% × 0.3, rent 1-yr change +25.2% / ±10% × 0.15, jobs over-the-year change +1.0% / ±3% × 0.3, avg weekly wage over-the-year change -9.5% / ±6% × 0.25.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. series USDM_current. https://droughtmonitor.unl.edu/CurrentMap.aspx. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00062,00054. period 2026-10-02T00:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00010,00060,00065,00095,00300,00400,63680. period 2026-10-02T00:35:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. https://api.waterdata.usgs.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 57 sites = 75 %.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019. period 2026-08-06T00:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-02.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. https://droughtmonitor.unl.edu/. accessed 2026-10-02. estimate computed by Embedding Atlas: supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.25 / 0.55 = 0.09; terms drought (no drought class here), quality (1 − 75 % / 100).
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054. period 2026-10-02T00:35:00+00:00. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019,62610,62611. period 2026-09-30. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:06075:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A06075+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:06075:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-02. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 41 banks with deposits in the county = 65.4² + 14.6² + 6.2² + … (38 more) = 4,554.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-02.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: per job = FY2026 obligations $250,856 / 704,926 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $0.
  • U.S. Securities and Exchange Commission. EDGAR company filings and XBRL APIs. https://www.sec.gov/files/company_tickers_exchange.json. accessed 2026-10-02.
  • U.S. Census Bureau. ZCTA to county relationship file (2020). https://www.census.gov/geographies/reference-files/time-series/geo/relationship-files.html. accessed 2026-10-02.
  • U.S. Census Bureau. TIGERweb. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series qcew:06075:sectors. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: NAICS sector -> GICS sector by the static table in lib/companies/sectors.ts; lq = sum(emp_i * lq_i) / sum(emp_i) over the NAICS sectors folded into the GICS sector, withheld cells excluded; ETFs are the convention list, not a recommendation.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: 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%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • Water rows are everything within 75 km of this place's internal point (150 km for reservoirs), not everything inside its boundary: lib/water searches discs, and every row prints its own distance.
  • Server report: satellite turbidity is only computed in a browser, so that term is absent here.
  • Stress uses 2 of 4 terms (drought, quality); missing terms are left out, not assumed.
  • Groundwater has no trend term: one latest level cannot say whether an aquifer is being drawn down.
  • USAspending did not answer for recipients, awarding agencies and NAICS.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 2 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • Positions are ZIP or city centroids of the registered business address, not building footprints.
  • Sector and ETF names are a stated convention (lib/companies/sectors.ts), not classification by MSCI/S&P and not advice.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T00:48:57.876Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.