FIPS 72025, PR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 18.21, -66.05.
Assembled 2026-10-02. Read the brief.
- US counties: not published this period
- US counties: not published this period
- US counties: not published this period
- 82nd pct · 569th of 3,221 US counties · median 8,232
- 1st pct · 3,165th of 3,221 US counties · median $1,039
- US counties: not published this period
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 #
No Zillow home value index for this area
- US counties: not published this period
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 #
No rent index for this area
- US counties: not published this period
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 #
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 #
43,875 jobs at 2,439 employers (2026 Q1); -2.0% jobs and +0.3% average weekly wage over the year
- 82nd pct · 569th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Caguas Municipio | 43,875 jobs · $631/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 7,808 | $544 | 1.83 | -1.6% |
| Health care and social assistance | 5,052 | $626 | 0.77 | +4.5% |
| Administrative and waste services | 4,385 | $491 | 1.76 | -11.8% |
| Wholesale trade | 2,951 | $709 | 1.76 | +7.5% |
| Construction | 2,468 | $602 | 1.07 | -18.0% |
| Professional and technical services | 2,337 | $863 | 0.77 | +6.4% |
| Manufacturing | 2,264 | $783 | 0.64 | +0.0% |
| Educational services | 1,287 | $528 | 1.36 | -4.9% |
| Real estate and rental | 943 | $635 | 1.40 | -13.8% |
| Other services | 901 | $546 | 0.69 | +0.0% |
| Finance and insurance | 872 | $1,006 | 0.49 | +3.3% |
| Transportation and warehousing | 638 | $706 | 0.35 | +0.6% |
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.
Water #
Banks & federal dollars #
$2.1 bn in deposits at 13 offices of 3 banks (SOD June 2026); HHI 4,312, highly concentrated. $702.0 m federal obligations in FY2026 (direct payments $628.5 m, grants $67.3 m), $15,999 per covered job
| Item | Value | Distance |
|---|---|---|
| Banco Popular de Puerto Rico | $1.2 bn · 57.8% share · 8 offices | |
| FirstBank Puerto Rico | $585.0 m · 27.6% share · 3 offices | |
| Oriental Bank | $310.4 m · 14.6% share · 2 offices | |
| Caguas, PR | $702.0 m FY2026 · $15,999/job | |
| MULTIPLE RECIPIENTS | $581.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Banco Popular de Puerto Rico | $1,224,000,000 | 57.8% | 8 |
| FirstBank Puerto Rico | $585,018,000 | 27.6% | 3 |
| Oriental Bank | $310,358,000 | 14.6% | 2 |
Deposit concentration is 4,312 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 57.8² + 27.6² + 14.6² = 4,312
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 | $502,673,644 |
| Department of Veterans Affairs | $79,727,349 |
| Department of Health and Human Services | $41,624,665 |
| Department of Transportation | $36,374,512 |
| Department of Education | $21,221,101 |
| Department of Housing and Urban Development | $12,936,326 |
| Department of Agriculture | $6,029,411 |
| Federal Communications Commission | $682,613 |
| Department of Homeland Security | $469,763 |
| Department of Defense | $132,497 |
| Department of the Interior | $66,702 |
| Railroad Retirement Board | $16,769 |
That is $15,999 per covered job, against 43,875 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $702.0 m / 43,875 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,999
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +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 · % | 4.10 | 2026-08-01 | +0.0% |
| 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 #
FIPS 72025, PR: 7 findings, 2 at a watch level and 5 noted
watchFIPS 72025, PR's covered employment is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFIPS 72025, PR's momentum index is -0.34, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Show the arithmetic
- test: momentum = -0.34090909090909083 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
noteFIPS 72025, PR's covered employment was 2.0% 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
- -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
noteFIPS 72025, PR's average weekly wage was 0.3% 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
- +0.3 % = 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
noteFIPS 72025, PR's average weekly wage of $631 ranks 3,165th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 2 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 7 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.