FIPS 15001, HI

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 19.60, -155.52.

Assembled 2026-10-02. Read the brief.

Typical home value
$570,916
as of August 2026
  • 95th pct · 132nd of 3,063 US counties · median $234,566
Home value, one year
+1.6%
as of August 2026
  • 35th pct · 1,987th of 3,063 US counties · median +2.9%
Typical rent
$2,442
as of August 2026
  • 93rd pct · 90th of 1,399 US counties · median $1,496
Jobs
73,294
as of 2026 Q1-01
  • 88th pct · 383rd of 3,221 US counties · median 8,232
Average weekly wage
$1,190
as of 2026 Q1-01
  • 75th pct · 805th of 3,221 US counties · median $1,039
Years of wages per home
9.2
  • 96th pct · 115th of 3,063 US counties · median 4.3

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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $570,916 (Aug 2026), +1.6% over one year, +21.7% over five

  • 95th pct · 132nd of 3,063 US counties · median $234,566
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.
ItemValueDistance
Hawaii County$570,916 · +1.6% 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $2,442/mo (Aug 2026), +7.8% over one year; price-to-rent 19.5

  • 93rd pct · 90th of 1,399 US counties · median $1,496
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
Hawaii County$2,442/mo · +7.8% 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 #

currentretrieved 2026-10-02

Principal and interest of $3,125 a month on $570,916 at 7.28%, against an average weekly wage worth $5,157 a month: 60.6% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $570,916 × 80% = $456,733, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,125/mo principal and interest
  • wage share = payment / (avg weekly wage $1,190 × 52 / 12 = $5,157) = 61% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $570,916 / ($1,190 × 52) = 9.2
  • price-to-rent = $570,916 / ($2,442 × 12) = 19.5

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 #

currentas of 2026 Q1retrieved 2026-10-02

73,294 jobs at 7,656 employers (2026 Q1); -1.5% jobs and 0.0% average weekly wage over the year

  • 88th pct · 383rd of 3,221 US counties · median 8,232
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.
ItemValueDistance
Hawaii County73,294 jobs · $1,190/wk · -1.5% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Accommodation and food services13,230$1,0222.01-0.6%
Retail trade9,958$8241.39-0.4%
Health care and social assistance7,684$1,1690.70-4.5%
Administrative and waste services3,789$8800.91-0.7%
Wholesale trade1,794$1,3910.64+1.4%
Arts, entertainment and recreation1,611$1,0271.34-9.4%
Educational services1,411$1,1100.89+2.6%
Real estate and rental1,371$1,1701.22+2.2%
Finance and insurance1,148$1,8590.38-2.1%
Agriculture, forestry, fishingwithheld
Mining, oil and gaswithheld
Utilitieswithheld

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.

Water #

unavailableretrieved 2026-10-02County 15001 has no centroid in the offline manifest yet, and the water report is a search around a point.

Banks & federal dollars #

currentretrieved 2026-10-02

$4.6 bn in deposits at 26 offices of 8 banks (SOD June 2026); HHI 2,771, highly concentrated. $1.5 bn federal obligations in FY2026 (direct payments $1.4 bn, grants $137.5 m), $20,939 per covered job

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.
ItemValueDistance
Bank of Hawaii$2.0 bn · 43.1% share · 8 offices
First Hawaiian Bank$1.2 bn · 25.5% share · 7 offices
Central Pacific Bank$438.4 m · 9.6% share · 2 offices
Hawaii, HI$1.5 bn FY2026 · $20,939/job
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Bank of Hawaii$1,960,567,00043.1%8
First Hawaiian Bank$1,161,109,00025.5%7
Central Pacific Bank$438,376,0009.6%2
Bank of Hope$414,350,0009.1%2
American Savings Bank, National Association$413,105,0009.1%3
Mechanics Bank$86,633,0001.9%1
Hawaii National Bank$55,585,0001.2%1
Finance Factors, Ltd.$20,545,0000.5%2

Deposit concentration is 2,771 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 8 banks with deposits in the county = 43.1² + 25.5² + 9.6² + … (5 more) = 2,771

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 #

unavailableretrieved 2026-10-02USAspending did not return a recipient, agency and NAICS breakdown for this county.

That is $20,939 per covered job, against 73,294 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $1.5 bn / 73,294 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,939

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 #

currentretrieved 2026-10-02

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.102026-08-01+0.0%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-02

FIPS 15001, HI: 10 findings, 2 at a watch level and 8 noted

  1. watchFIPS 15001, HI's years of wages of 9.2 ranks 115th 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 = 96.27694317439583 >= 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

  2. watchFIPS 15001, HI's covered employment is -1.5% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.
    Show the arithmetic
    • test: jobs.yoy.emp = -1.5 < 0

    BLS QCEW over-the-year percent change, as published; not an official level

  3. noteFIPS 15001, HI's covered employment was 1.5% lower 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
    • -1.5 % = 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

  4. noteFIPS 15001, HI's typical home value rose 0.3% from $569,481 in July 2026 to $570,916 in August 2026, on Zillow ZHVI.

    Period 2026-08.
    Show the arithmetic
    • +0.3% = (570915.8448528653 - 569481.31660725) / 569481.31660725 × 100
    • 570915.8448528653 = Zillow ZHVI, 2026-08
    • 569481.31660725 = Zillow ZHVI, 2026-07
  5. notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for FIPS 15001, HI could not be lined up against the previous published period this run, so no change is printed for them.

    Show the arithmetic
    • not comparable this run: rent.latest, rent.momPct

    the two newest month columns in the published file are not the two this table carries

Read all 10 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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $570,916 / ($2,442 × 12) = 19.5
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 15001, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · payment = P·r / (1 − (1+r)^−n), P = $570,916 × 80% = $456,733, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,125/mo principal and interest; wage share = payment / (avg weekly wage $1,190 × 52 / 12 = $5,157) = 61% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $570,916 / ($1,190 × 52) = 9.2; price-to-rent = $570,916 / ($2,442 × 12) = 19.5
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 15001, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • publishedWorld Port Index (Pub 150)National Geospatial-Intelligence Agencyopen the source
    Pub 150 World Port Index · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +1.6% / ±10% × 0.3, rent 1-yr change +7.8% / ±10% × 0.15, jobs over-the-year change -1.5% / ±3% × 0.3, avg weekly wage over-the-year change 0.0% / ±6% × 0.25
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:15001:2026 · period 2026-06-30 · retrieved 2026-10-02
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:15001:2026 · period 2026-06-30 · retrieved 2026-10-02 · HHI = Σ (share %)² over 8 banks with deposits in the county = 43.1² + 25.5² + 9.6² + … (5 more) = 2,771
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-02
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-02 · per job = FY2026 obligations $1.5 bn / 73,294 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,939
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $570,916 / ($2,442 × 12) = 19.5.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 15001, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/15001.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $570,916 × 80% = $456,733, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,125/mo principal and interest; wage share = payment / (avg weekly wage $1,190 × 52 / 12 = $5,157) = 61% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $570,916 / ($1,190 × 52) = 9.2; price-to-rent = $570,916 / ($2,442 × 12) = 19.5.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 15001, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/15001.csv. accessed 2026-10-02.
  • National Geospatial-Intelligence Agency. World Port Index (Pub 150). series Pub 150 World Port Index. https://msi.nga.mil/Publications/WPI. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%); terms home value 1-yr change +1.6% / ±10% × 0.3, rent 1-yr change +7.8% / ±10% × 0.15, jobs over-the-year change -1.5% / ±3% × 0.3, avg weekly wage over-the-year change 0.0% / ±6% × 0.25.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:15001:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A15001+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:15001:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-02. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 8 banks with deposits in the county = 43.1² + 25.5² + 9.6² + … (5 more) = 2,771.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-02.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: per job = FY2026 obligations $1.5 bn / 73,294 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,939.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • County 15001 is not in the offline place manifest yet (21 of about 3,235 counties are), so its name and centroid have to come from upstream at request time.
  • USAspending did not answer for recipients, awarding agencies and NAICS.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 2 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T03:07:28.029Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.