Pasco County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.31, -82.51.
Assembled 2026-10-06. Read the brief.
- 75th pct · 745th of 3,063 US counties · median $234,566
- 56th pct · 30th of 67 Florida counties · median $307,929
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 9th pct · 2,759th of 3,063 US counties · median +2.9%
- 22nd pct · 52nd of 67 Florida counties · median -0.8%
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 84th pct · 224th of 1,399 US counties · median $1,496
- 69th pct · 15th of 47 Florida counties · median $1,898
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 93rd pct · 215th of 3,221 US counties · median 8,232
- 77th pct · 16th of 67 Florida counties · median 43,443
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 69th pct · 997th of 3,221 US counties · median $1,039
- 57th pct · 29th of 67 Florida counties · median $1,084
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
- 73rd pct · 825th of 3,063 US counties · median 4.3
- 56th pct · 30th of 67 Florida counties · median 5.4
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater 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 $329,346 (Aug 2026), -2.1% over one year, +16.3% over five
- 75th pct · 745th of 3,063 US counties · median $234,566
- 56th pct · 30th of 67 Florida counties · median $307,929
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Pasco County, FL | $329,346 · -2.1% 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.
Rents #
Typical rent $2,021/mo (Aug 2026), -0.3% over one year; price-to-rent 13.6
- 84th pct · 224th of 1,399 US counties · median $1,496
- 69th pct · 15th of 47 Florida counties · median $1,898
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Pasco County, FL | $2,021/mo · -0.3% 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 $1,803 a month on $329,346 at 7.28%, against an average weekly wage worth $4,944 a month: 36.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $329,346 × 80% = $263,476, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,803/mo principal and interest
- wage share = payment / (avg weekly wage $1,141 × 52 / 12 = $4,944) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $329,346 / ($1,141 × 52) = 5.6
- price-to-rent = $329,346 / ($2,021 × 12) = 13.6
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 #
151,896 jobs at 15,809 employers (2026 Q1); +1.0% jobs and +3.9% average weekly wage over the year
- 93rd pct · 215th of 3,221 US counties · median 8,232
- 77th pct · 16th of 67 Florida counties · median 43,443
- counties in the Tampa-St. Petersburg-Clearwater metro: Rank context is unavailable: the manifest lists 4 counties in the Tampa-St. Petersburg-Clearwater metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Pasco County, FL | 151,896 jobs · $1,141/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 29,163 | $1,372 | 1.28 | +3.9% |
| Retail trade | 25,874 | $778 | 1.75 | -0.2% |
| Accommodation and food services | 17,996 | $521 | 1.32 | +0.0% |
| Construction | 12,960 | $1,215 | 1.63 | +0.1% |
| Administrative and waste services | 8,269 | $1,118 | 0.96 | -1.3% |
| Professional and technical services | 7,755 | $1,769 | 0.74 | +2.7% |
| Other services | 5,041 | $788 | 1.11 | +1.2% |
| Manufacturing | 4,424 | $1,474 | 0.36 | +0.2% |
| Educational services | 3,879 | $842 | 1.19 | +2.8% |
| Finance and insurance | 3,344 | $2,097 | 0.54 | +0.9% |
| Transportation and warehousing | 3,224 | $1,134 | 0.50 | +2.0% |
| Wholesale trade | 3,033 | $1,827 | 0.52 | -3.3% |
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 #
$9.3 bn in deposits at 86 offices of 19 banks (SOD June 2026); HHI 1,132, moderately concentrated. $4.5 bn federal obligations in FY2026 (direct payments $4.4 bn, grants $63.3 m), $29,949 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $1.6 bn · 17.2% share · 11 offices | |
| Truist Bank | $1.6 bn · 16.7% share · 17 offices | |
| Bank of America, National Association | $1.5 bn · 15.6% share · 8 offices | |
| Pasco, FL | $4.5 bn FY2026 · $29,949/job | |
| MULTIPLE RECIPIENTS | $4.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $1,600,603,000 | 17.2% | 11 |
| Truist Bank | $1,560,737,000 | 16.7% | 17 |
| Bank of America, National Association | $1,455,620,000 | 15.6% | 8 |
| JPMorgan Chase Bank, National Association | $1,237,974,000 | 13.3% | 9 |
| Centennial Bank | $539,518,000 | 5.8% | 3 |
| Fifth Third Bank, National Association | $516,285,000 | 5.5% | 7 |
| Regions Bank | $473,656,000 | 5.1% | 6 |
| SouthState Bank, National Association | $331,634,000 | 3.6% | 3 |
| TD Bank, National Association | $306,746,000 | 3.3% | 4 |
| First National Bank of Pasco | $234,142,000 | 2.5% | 4 |
Deposit concentration is 1,132 across 19 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 19 banks with deposits in the county = 17.2² + 16.7² + 15.6² + … (16 more) = 1,132
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 | $3,614,292,617 |
| Department of Veterans Affairs | $759,403,430 |
| Department of Defense | $43,702,629 |
| Department of Education | $36,199,553 |
| Department of Housing and Urban Development | $29,510,617 |
| Department of Transportation | $28,843,281 |
| Railroad Retirement Board | $16,018,536 |
| Department of Health and Human Services | $11,304,938 |
| Department of Agriculture | $7,443,523 |
| Federal Communications Commission | $1,674,022 |
| Department of Homeland Security | $289,266 |
| Department of Justice | $212,228 |
That is $29,949 per covered job, against 151,896 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.5 bn / 151,896 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,949
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 #
Pasco County, FL: 8 findings, 1 at a watch level and 7 noted
watchPasco County, FL's typical home value is -2.1% 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 = -2.0921363356659093 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
notePasco County, FL's average weekly wage was 3.9% 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
- +3.9 % = 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
notePasco 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
notePasco County, FL's typical asking rent fell 0.3% from $2,026 in July 2026 to $2,021 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.3% = (2020.9252987456814 - 2026.4829958981459) / 2026.4829958981459 × 100
- 2020.9252987456814 = Zillow ZORI, 2026-08
- 2026.4829958981459 = Zillow ZORI, 2026-07
notePasco County, FL's covered employment of 151,896 ranks 215th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 93 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 8 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.