Martin County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.08, -80.40.
Assembled 2026-10-06. Read the brief.
- 90th pct · 296th of 3,063 US counties · median $234,566
- 89th pct · 8th of 67 Florida counties · median $307,929
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 18th pct · 2,507th of 3,063 US counties · median +2.9%
- 56th pct · 30th of 67 Florida counties · median -0.8%
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 91st pct · 124th of 1,399 US counties · median $1,496
- 84th pct · 8th of 47 Florida counties · median $1,898
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 88th pct · 360th of 3,221 US counties · median 8,232
- 60th pct · 27th of 67 Florida counties · median 43,443
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 76th pct · 749th of 3,221 US counties · median $1,039
- 65th pct · 23rd of 67 Florida counties · median $1,084
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
- 89th pct · 326th of 3,063 US counties · median 4.3
- 89th pct · 8th of 67 Florida counties · median 5.4
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie 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 $448,218 (Aug 2026), -0.4% over one year, +21.0% over five
- 90th pct · 296th of 3,063 US counties · median $234,566
- 89th pct · 8th of 67 Florida counties · median $307,929
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Martin County, FL | $448,218 · -0.4% 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 $2,270/mo (Aug 2026), +2.9% over one year; price-to-rent 16.5
- 91st pct · 124th of 1,399 US counties · median $1,496
- 84th pct · 8th of 47 Florida counties · median $1,898
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Martin County, FL | $2,270/mo · +2.9% 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 $2,453 a month on $448,218 at 7.28%, against an average weekly wage worth $5,217 a month: 47.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $448,218 × 80% = $358,574, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,453/mo principal and interest
- wage share = payment / (avg weekly wage $1,204 × 52 / 12 = $5,217) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $448,218 / ($1,204 × 52) = 7.2
- price-to-rent = $448,218 / ($2,270 × 12) = 16.5
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 #
79,374 jobs at 7,821 employers (2026 Q1); +1.0% jobs and +3.2% average weekly wage over the year
- 88th pct · 360th of 3,221 US counties · median 8,232
- 60th pct · 27th of 67 Florida counties · median 43,443
- counties in the Port St. Lucie metro: Rank context is unavailable: the manifest lists 2 counties in the Port St. Lucie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Martin County, FL | 79,374 jobs · $1,204/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 17,920 | $1,317 | 1.50 | +13.2% |
| Retail trade | 9,969 | $780 | 1.29 | +2.6% |
| Accommodation and food services | 8,144 | $655 | 1.14 | -8.4% |
| Construction | 7,469 | $1,264 | 1.79 | -8.9% |
| Administrative and waste services | 6,246 | $920 | 1.38 | -7.1% |
| Professional and technical services | 4,042 | $1,628 | 0.74 | +1.3% |
| Manufacturing | 3,944 | $1,370 | 0.62 | +6.0% |
| Other services | 3,127 | $1,054 | 1.32 | -2.1% |
| Arts, entertainment and recreation | 3,077 | $1,077 | 2.35 | +7.4% |
| Wholesale trade | 2,332 | $1,686 | 0.77 | -5.5% |
| Finance and insurance | 1,896 | $3,223 | 0.59 | -2.9% |
| Transportation and warehousing | 1,510 | $1,485 | 0.45 | +3.6% |
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 #
D0 abnormally dry
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 #
$7.6 bn in deposits at 42 offices of 17 banks (SOD June 2026); HHI 1,695, moderately concentrated. $1.5 bn federal obligations in FY2026 (direct payments $1.4 bn, grants $81.1 m), $18,648 per covered job
| Item | Value | Distance |
|---|---|---|
| Seacoast National Bank | $2.6 bn · 33.9% share · 6 offices | |
| Wells Fargo Bank, National Association | $986.5 m · 13.0% share · 6 offices | |
| Bank of America, National Association | $886.9 m · 11.7% share · 4 offices | |
| Martin, FL | $1.5 bn FY2026 · $18,648/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Seacoast National Bank | $2,569,234,000 | 33.9% | 6 |
| Wells Fargo Bank, National Association | $986,500,000 | 13.0% | 6 |
| Bank of America, National Association | $886,936,000 | 11.7% | 4 |
| JPMorgan Chase Bank, National Association | $689,019,000 | 9.1% | 5 |
| SouthState Bank, National Association | $621,829,000 | 8.2% | 3 |
| Truist Bank | $438,083,000 | 5.8% | 4 |
| PNC Bank, National Association | $365,899,000 | 4.8% | 3 |
| TD Bank, National Association | $299,509,000 | 4.0% | 2 |
| The Northern Trust Company | $196,540,000 | 2.6% | 1 |
| BankUnited, National Association | $190,793,000 | 2.5% | 1 |
Deposit concentration is 1,695 across 16 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 33.9² + 13.0² + 11.7² + … (13 more) = 1,695
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 $18,648 per covered job, against 79,374 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.5 bn / 79,374 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,648
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 #
Martin County, FL: 11 findings, 3 at a watch level and 8 noted
watchMartin County, FL's typical home value is -0.4% 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 = -0.37926838339756924 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchMartin County, FL's typical home value of -0.4% scores 18 on the 0-to-100 scale across US counties but 56 across Florida counties, a gap of 38 points.
Period 2026-08.Show the arithmetic
- 38 = |18 across US counties - 56 across Florida counties|
position among the entities that published this metric this period; not an official level
watchMartin County, FL's price-to-rent ratio of 16.5 scores 43 on the 0-to-100 scale across US counties but 78 across Florida counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |43 across US counties - 78 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
noteMartin County, FL's average weekly wage was 3.2% 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
- +3.2 % = 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
noteMartin County, FL's covered employment was 1.0% 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 % = 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 11 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.