Ventura County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.36, -119.13.
Assembled 2026-10-06. Read the brief.
- 98th pct · 32nd of 3,063 US counties · median $234,566
- 80th pct · 12th of 58 California counties · median $500,264
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
- 27th pct · 2,233rd of 3,063 US counties · median +2.9%
- 63rd pct · 22nd of 58 California counties · median +0.3%
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
- 97th pct · 32nd of 1,399 US counties · median $1,496
- 83rd pct · 9th of 49 California counties · median $2,340
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
- 97th pct · 90th of 3,221 US counties · median 8,232
- 77th pct · 14th of 58 California counties · median 74,865
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
- 92nd pct · 247th of 3,221 US counties · median $1,039
- 77th pct · 14th of 58 California counties · median $1,206
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
- 98th pct · 50th of 3,063 US counties · median 4.3
- 84th pct · 10th of 58 California counties · median 7.4
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura 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 $871,724 (Aug 2026), +0.7% over one year, +15.7% over five
- 98th pct · 32nd of 3,063 US counties · median $234,566
- 80th pct · 12th of 58 California counties · median $500,264
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ventura County, CA | $871,724 · +0.7% 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 $2,954/mo (Aug 2026), +1.4% over one year; price-to-rent 24.6
- 97th pct · 32nd of 1,399 US counties · median $1,496
- 83rd pct · 9th of 49 California counties · median $2,340
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ventura County, CA | $2,954/mo · +1.4% 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 $4,772 a month on $871,724 at 7.28%, against an average weekly wage worth $6,448 a month: 74.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $871,724 × 80% = $697,379, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $4,772/mo principal and interest
- wage share = payment / (avg weekly wage $1,488 × 52 / 12 = $6,448) = 74% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $871,724 / ($1,488 × 52) = 11.3
- price-to-rent = $871,724 / ($2,954 × 12) = 24.6
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 #
335,682 jobs at 33,699 employers (2026 Q1); +0.2% jobs and +3.3% average weekly wage over the year
- 97th pct · 90th of 3,221 US counties · median 8,232
- 77th pct · 14th of 58 California counties · median 74,865
- counties in the Oxnard-Thousand Oaks-Ventura metro: Rank context is unavailable: the manifest lists 1 counties in the Oxnard-Thousand Oaks-Ventura metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ventura County, CA | 335,682 jobs · $1,488/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 54,922 | $1,038 | 1.09 | +5.9% |
| Retail trade | 33,535 | $890 | 1.03 | -2.8% |
| Accommodation and food services | 32,481 | $628 | 1.08 | +0.0% |
| Manufacturing | 25,764 | $1,693 | 0.95 | -4.9% |
| Agriculture, forestry, fishing | 23,067 | $805 | 9.51 | -1.7% |
| Construction | 16,879 | $1,492 | 0.96 | -3.9% |
| Professional and technical services | 16,853 | $2,268 | 0.73 | +0.3% |
| Administrative and waste services | 16,181 | $1,115 | 0.85 | -6.4% |
| Transportation and warehousing | 10,527 | $1,151 | 0.74 | +38.4% |
| Finance and insurance | 9,339 | $3,841 | 0.68 | -10.9% |
| Wholesale trade | 9,336 | $1,789 | 0.73 | -11.0% |
| Other services | 8,929 | $902 | 0.89 | -0.5% |
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 #
$23.4 bn in deposits at 118 offices of 21 banks (SOD June 2026); HHI 1,767, moderately concentrated. $5.7 bn federal obligations in FY2026 (direct payments $4.6 bn, contracts $1.6 bn), $16,833 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $6.2 bn · 26.4% share · 20 offices | |
| Wells Fargo Bank, National Association | $5.3 bn · 22.8% share · 23 offices | |
| Bank of America, National Association | $4.8 bn · 20.3% share · 17 offices | |
| Ventura, CA | $5.7 bn FY2026 · $16,833/job | |
| MULTIPLE RECIPIENTS | $4.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $6,165,989,000 | 26.4% | 20 |
| Wells Fargo Bank, National Association | $5,328,093,000 | 22.8% | 23 |
| Bank of America, National Association | $4,753,125,000 | 20.3% | 17 |
| U.S. Bank National Association | $2,006,570,000 | 8.6% | 13 |
| Citibank, National Association | $1,401,000,000 | 6.0% | 7 |
| Mechanics Bank | $803,358,000 | 3.4% | 7 |
| City National Bank | $534,428,000 | 2.3% | 2 |
| Citizens Business Bank, National Association | $356,289,000 | 1.5% | 4 |
| Banc of California | $306,885,000 | 1.3% | 3 |
| Bank of the Sierra | $299,261,000 | 1.3% | 4 |
Deposit concentration is 1,767 across 21 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 21 banks with deposits in the county = 26.4² + 22.8² + 20.3² + … (18 more) = 1,767
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 #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $3,901,251,262 |
| Department of Defense | $1,416,858,695 |
| Department of Veterans Affairs | $442,401,050 |
| Department of Health and Human Services | $161,132,682 |
| Department of Education | $89,972,067 |
| Department of Transportation | $75,044,772 |
| Department of Agriculture | $19,474,897 |
| Department of the Interior | $17,977,105 |
| Department of Commerce | $15,760,922 |
| Department of Energy | $12,223,332 |
| General Services Administration | $12,108,007 |
| Department of Homeland Security | $9,672,423 |
That is $16,833 per covered job, against 335,682 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $5.7 bn / 335,682 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,833
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 2026-10-05 | +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 · % | 4.20 | 2026-09-01 | +2.4% |
| 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.
What changed #
Ventura County, CA: 12 findings, 4 at a watch level and 8 noted
watchVentura County, CA's years of wages of 11.3 ranks 50th 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 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 98.39973873285435 >= 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
watchVentura County, CA's price-to-rent ratio of 24.6 ranks 101st 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 = 92.84692417739629 >= 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
watchVentura County, CA's years of wages is 11.3, 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 2026-08.Show the arithmetic
- test: yearsOfWages = 11.266080757610464 >= 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
watchVentura County, CA's typical home value of +0.7% scores 27 on the 0-to-100 scale across US counties but 63 across California counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |27 across US counties - 63 across California counties|
position among the entities that published this metric this period; not an official level
noteVentura County, CA's average weekly wage was 3.3% 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
- +3.3 % = 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
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.