Manatee County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.48, -82.39.
Assembled 2026-10-06. Read the brief.
- 86th pct · 402nd of 3,063 US counties · median $234,566
- 84th pct · 11th of 67 Florida counties · median $307,929
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 6th pct · 2,860th of 3,063 US counties · median +2.9%
- 6th pct · 63rd of 67 Florida counties · median -0.8%
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 84th pct · 213th of 1,399 US counties · median $1,496
- 76th pct · 12th of 47 Florida counties · median $1,898
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 93rd pct · 217th of 3,221 US counties · median 8,232
- 75th pct · 17th of 67 Florida counties · median 43,443
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 79th pct · 667th of 3,221 US counties · median $1,039
- 72nd pct · 19th of 67 Florida counties · median $1,084
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
- 82nd pct · 529th of 3,063 US counties · median 4.3
- 78th pct · 15th of 67 Florida counties · median 5.4
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota 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 $407,828 (Aug 2026), -3.4% over one year, +13.9% over five
- 86th pct · 402nd of 3,063 US counties · median $234,566
- 84th pct · 11th of 67 Florida counties · median $307,929
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Manatee County, FL | $407,828 · -3.4% 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 $2,045/mo (Aug 2026), -0.6% over one year; price-to-rent 16.6
- 84th pct · 213th of 1,399 US counties · median $1,496
- 76th pct · 12th of 47 Florida counties · median $1,898
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Manatee County, FL | $2,045/mo · -0.6% 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 $2,232 a month on $407,828 at 7.28%, against an average weekly wage worth $5,339 a month: 41.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $407,828 × 80% = $326,262, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,232/mo principal and interest
- wage share = payment / (avg weekly wage $1,232 × 52 / 12 = $5,339) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $407,828 / ($1,232 × 52) = 6.4
- price-to-rent = $407,828 / ($2,045 × 12) = 16.6
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 #
148,982 jobs at 15,221 employers (2026 Q1); +1.6% jobs and +1.3% average weekly wage over the year
- 93rd pct · 217th of 3,221 US counties · median 8,232
- 75th pct · 17th of 67 Florida counties · median 43,443
- counties in the North Port-Bradenton-Sarasota metro: Rank context is unavailable: the manifest lists 2 counties in the North Port-Bradenton-Sarasota metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Manatee County, FL | 148,982 jobs · $1,232/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 21,761 | $849 | 1.50 | +2.5% |
| Health care and social assistance | 19,744 | $1,289 | 0.88 | -0.5% |
| Accommodation and food services | 17,764 | $628 | 1.33 | +7.8% |
| Construction | 13,397 | $1,288 | 1.72 | -4.5% |
| Manufacturing | 9,505 | $1,503 | 0.79 | +0.0% |
| Administrative and waste services | 8,045 | $1,209 | 0.95 | -3.3% |
| Professional and technical services | 7,317 | $2,034 | 0.71 | +7.8% |
| Other services | 5,471 | $920 | 1.23 | +1.3% |
| Wholesale trade | 5,025 | $1,796 | 0.88 | +8.0% |
| Arts, entertainment and recreation | 4,988 | $1,103 | 2.03 | -0.3% |
| Transportation and warehousing | 3,994 | $1,004 | 0.64 | -0.8% |
| Educational services | 3,993 | $1,029 | 1.25 | +6.6% |
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 #
D3 extreme drought
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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$10.9 bn in deposits at 99 offices of 26 banks (SOD June 2026); HHI 1,021, moderately concentrated. $3.9 bn federal obligations in FY2026 (direct payments $3.4 bn, grants $399.9 m), $25,878 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $2.2 bn · 20.4% share · 9 offices | |
| JPMorgan Chase Bank, National Association | $1.3 bn · 11.7% share · 9 offices | |
| Wells Fargo Bank, National Association | $1.2 bn · 11.1% share · 10 offices | |
| Manatee, FL | $3.9 bn FY2026 · $25,878/job | |
| MULTIPLE RECIPIENTS | $3.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $2,214,960,000 | 20.4% | 9 |
| JPMorgan Chase Bank, National Association | $1,270,908,000 | 11.7% | 9 |
| Wells Fargo Bank, National Association | $1,202,113,000 | 11.1% | 10 |
| Truist Bank | $1,151,706,000 | 10.6% | 10 |
| Bank OZK | $873,034,000 | 8.0% | 6 |
| Fifth Third Bank, National Association | $808,802,000 | 7.4% | 11 |
| Ameris Bank | $772,174,000 | 7.1% | 5 |
| Hancock Whitney Bank | $518,773,000 | 4.8% | 4 |
| BMO Bank National Association | $376,090,000 | 3.5% | 7 |
| Regions Bank | $373,626,000 | 3.4% | 5 |
Deposit concentration is 1,021 across 26 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 26 banks with deposits in the county = 20.4² + 11.7² + 11.1² + … (23 more) = 1,021
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 | $2,995,881,270 |
| Department of Veterans Affairs | $358,021,781 |
| Department of Housing and Urban Development | $283,938,818 |
| Department of Transportation | $111,509,724 |
| Department of Health and Human Services | $28,321,582 |
| Department of Education | $21,501,176 |
| Department of Homeland Security | $18,727,423 |
| Railroad Retirement Board | $12,481,259 |
| Department of Defense | $7,517,199 |
| Department of Agriculture | $7,028,539 |
| Environmental Protection Agency | $3,033,600 |
| Department of Justice | $3,015,996 |
That is $25,878 per covered job, against 148,982 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.9 bn / 148,982 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,878
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 | 2026-10-06 | +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 | 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Manatee County, FL: 9 findings, 2 at a watch level and 7 noted
watchManatee County, FL's typical home value is -3.4% 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 2026-08.Show the arithmetic
- test: home.yoyPct = -3.3875958448043857 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchManatee County, FL's price-to-rent ratio of 16.6 scores 45 on the 0-to-100 scale across US counties but 80 across Florida counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |45 across US counties - 80 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
noteManatee County, FL's covered employment was 1.6% 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
- +1.6 % = 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
noteManatee County, FL's average weekly wage was 1.3% 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
- +1.3 % = 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
noteManatee County, FL's typical home value of -3.4% ranks 63rd of 67 Florida counties, against a median of -0.8%.
Period 2026-08.Show the arithmetic
- 6 on the 0-to-100 scale across 67 Florida counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 9 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.