St. Johns County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.89, -81.40.
Assembled 2026-10-06. Read the brief.
- 92nd pct · 222nd of 3,063 US counties · median $234,566
- 93rd pct · 5th of 67 Florida counties · median $307,929
- 100th pct · 1st of 5 counties in the Jacksonville metro · median $336,192
- 12th pct · 2,689th of 3,063 US counties · median +2.9%
- 30th pct · 47th of 67 Florida counties · median -0.8%
- 0th pct · 5th of 5 counties in the Jacksonville metro · median -0.5%
- 84th pct · 218th of 1,399 US counties · median $1,496
- 73rd pct · 13th of 47 Florida counties · median $1,898
- counties in the Jacksonville metro: only 4 of counties in the Jacksonville metro published this metric; fewer than 5 is too few to rank
- 90th pct · 291st of 3,221 US counties · median 8,232
- 66th pct · 23rd of 67 Florida counties · median 43,443
- 75th pct · 2nd of 5 counties in the Jacksonville metro · median 57,315
- 82nd pct · 553rd of 3,221 US counties · median $1,039
- 77th pct · 16th of 67 Florida counties · median $1,084
- 75th pct · 2nd of 5 counties in the Jacksonville metro · median $1,211
- 90th pct · 288th of 3,063 US counties · median 4.3
- 92nd pct · 6th of 67 Florida counties · median 5.4
- 75th pct · 2nd of 5 counties in the Jacksonville metro · median 6.7
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 $488,938 (Aug 2026), -1.5% over one year, +17.7% over five
- 92nd pct · 222nd of 3,063 US counties · median $234,566
- 93rd pct · 5th of 67 Florida counties · median $307,929
- 100th pct · 1st of 5 counties in the Jacksonville metro · median $336,192
| Item | Value | Distance |
|---|---|---|
| St. Johns County, FL | $488,938 · -1.5% 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 $2,038/mo (Aug 2026), +0.8% over one year; price-to-rent 20.0
- 84th pct · 218th of 1,399 US counties · median $1,496
- 73rd pct · 13th of 47 Florida counties · median $1,898
- counties in the Jacksonville metro: only 4 of counties in the Jacksonville metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| St. Johns County, FL | $2,038/mo · +0.8% 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 $2,676 a month on $488,938 at 7.28%, against an average weekly wage worth $5,521 a month: 48.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $488,938 × 80% = $391,150, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,676/mo principal and interest
- wage share = payment / (avg weekly wage $1,274 × 52 / 12 = $5,521) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $488,938 / ($1,274 × 52) = 7.4
- price-to-rent = $488,938 / ($2,038 × 12) = 20.0
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 #
103,192 jobs at 11,652 employers (2026 Q1); +2.1% jobs and +3.8% average weekly wage over the year
- 90th pct · 291st of 3,221 US counties · median 8,232
- 66th pct · 23rd of 67 Florida counties · median 43,443
- 75th pct · 2nd of 5 counties in the Jacksonville metro · median 57,315
| Item | Value | Distance |
|---|---|---|
| St. Johns County, FL | 103,192 jobs · $1,274/wk · +2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 17,463 | $628 | 1.88 | +2.9% |
| Retail trade | 14,505 | $740 | 1.44 | +2.2% |
| Health care and social assistance | 13,699 | $1,112 | 0.88 | +8.3% |
| Professional and technical services | 6,188 | $1,945 | 0.87 | +3.8% |
| Construction | 5,839 | $1,355 | 1.08 | -1.2% |
| Other services | 5,002 | $2,429 | 1.62 | +3.1% |
| Administrative and waste services | 4,919 | $954 | 0.84 | +6.6% |
| Manufacturing | 3,985 | $1,885 | 0.48 | +2.7% |
| Arts, entertainment and recreation | 3,787 | $676 | 2.23 | +5.0% |
| Finance and insurance | 3,567 | $3,765 | 0.85 | +6.4% |
| Wholesale trade | 3,138 | $2,139 | 0.79 | -10.1% |
| Educational services | 2,929 | $742 | 1.32 | +1.8% |
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 #
D1 moderate 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$7.5 bn in deposits at 61 offices of 18 banks (SOD June 2026); HHI 1,226, moderately concentrated. $2.7 bn federal obligations in FY2026 (direct payments $2.4 bn, contracts $136.0 m), $25,928 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $1.8 bn · 23.5% share · 6 offices | |
| Wells Fargo Bank, National Association | $1.2 bn · 16.3% share · 6 offices | |
| JPMorgan Chase Bank, National Association | $901.6 m · 12.0% share · 10 offices | |
| St. Johns, FL | $2.7 bn FY2026 · $25,928/job | |
| MULTIPLE RECIPIENTS | $2.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $1,766,263,000 | 23.5% | 6 |
| Wells Fargo Bank, National Association | $1,228,476,000 | 16.3% | 6 |
| JPMorgan Chase Bank, National Association | $901,600,000 | 12.0% | 10 |
| Ameris Bank | $691,670,000 | 9.2% | 5 |
| Truist Bank | $585,184,000 | 7.8% | 8 |
| Fifth Third Bank, National Association | $475,034,000 | 6.3% | 6 |
| SouthState Bank, National Association | $395,600,000 | 5.3% | 3 |
| Barwick Banking Company | $267,779,000 | 3.6% | 1 |
| Regions Bank | $235,817,000 | 3.1% | 3 |
| PNC Bank, National Association | $225,566,000 | 3.0% | 4 |
Deposit concentration is 1,226 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 23.5² + 16.3² + 12.0² + … (15 more) = 1,226
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 | $1,948,141,394 |
| Department of Veterans Affairs | $477,162,922 |
| Department of Defense | $80,906,784 |
| Department of Transportation | $74,658,199 |
| Department of the Interior | $39,351,593 |
| Railroad Retirement Board | $32,515,981 |
| Department of Homeland Security | $6,699,921 |
| Department of Education | $5,863,783 |
| Department of Health and Human Services | $5,001,075 |
| Department of Housing and Urban Development | $2,849,285 |
| Department of Agriculture | $1,752,185 |
| Environmental Protection Agency | $400,000 |
That is $25,928 per covered job, against 103,192 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.7 bn / 103,192 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,928
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 #
St. Johns County, FL: 15 findings, 2 at a watch level and 13 noted
watchSt. Johns County, FL's typical home value is -1.5% 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 = -1.503808606312691 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchSt. Johns County, FL's years of wages of 7.4 ranks 288th 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 = 90.62704114957543 >= 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
noteSt. Johns County, FL's average weekly wage was 3.8% 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
- +3.8 % = 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
noteSt. Johns County, FL's covered employment was 2.1% 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
- +2.1 % = 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
noteSt. Johns County, FL's typical home value of $488,938 ranks 1st of 5 counties in the Jacksonville metro, against a median of $336,192.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 5 counties in the Jacksonville metro that published home.latest
position among the entities that published this metric this period; not an official level
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.