Pinal County, AZ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.92, -111.37.
Assembled 2026-10-19. Read the brief.
- 81st pct · 576th of 3,063 US counties · median $230,451
- 64th pct · 6th of 15 Arizona counties · median $335,772
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
- 9th pct · 2,780th of 3,062 US counties · median +2.9%
- 7th pct · 14th of 15 Arizona counties · median -0.2%
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
- 72nd pct · 377th of 1,358 US counties · median $1,506
- 66th pct · 5th of 13 Arizona counties · median $1,715
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
- 89th pct · 355th of 3,221 US counties · median 8,232
- 85th pct · 3rd of 15 Arizona counties · median 33,459
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
- 76th pct · 749th of 3,221 US counties · median $1,039
- 78th pct · 4th of 15 Arizona counties · median $1,176
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
- 76th pct · 720th of 3,063 US counties · median 4.2
- 64th pct · 6th of 15 Arizona counties · median 5.4
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler 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 $359,830 (Sep 2026), -2.2% over one year, +0.8% over five
- 81st pct · 576th of 3,063 US counties · median $230,451
- 64th pct · 6th of 15 Arizona counties · median $335,772
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Pinal County, AZ | $359,830 · -2.2% 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 $1,799/mo (Sep 2026), +0.8% over one year; price-to-rent 16.7
- 72nd pct · 377th of 1,358 US counties · median $1,506
- 66th pct · 5th of 13 Arizona counties · median $1,715
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Pinal County, AZ | $1,799/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 $1,993 a month on $359,830 at 7.40%, against an average weekly wage worth $5,217 a month: 38.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $359,830 × 80% = $287,864, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,993/mo principal and interest
- wage share = payment / (avg weekly wage $1,204 × 52 / 12 = $5,217) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $359,830 / ($1,204 × 52) = 5.7
- price-to-rent = $359,830 / ($1,799 × 12) = 16.7
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 #
81,073 jobs at 5,411 employers (2026 Q1); +0.7% jobs and +3.3% average weekly wage over the year
- 89th pct · 355th of 3,221 US counties · median 8,232
- 85th pct · 3rd of 15 Arizona counties · median 33,459
- counties in the Phoenix-Mesa-Chandler metro: Rank context is unavailable: the manifest lists 2 counties in the Phoenix-Mesa-Chandler metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Pinal County, AZ | 81,073 jobs · $1,204/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 10,809 | $755 | 1.37 | -1.0% |
| Accommodation and food services | 8,621 | $510 | 1.18 | -1.2% |
| Manufacturing | 8,204 | $1,739 | 1.26 | +22.7% |
| Health care and social assistance | 6,086 | $1,094 | 0.50 | -0.8% |
| Administrative and waste services | 5,376 | $1,287 | 1.17 | +1.4% |
| Construction | 4,411 | $1,505 | 1.04 | -18.6% |
| Professional and technical services | 1,976 | $1,610 | 0.35 | +13.8% |
| Wholesale trade | 1,942 | $2,356 | 0.63 | -6.6% |
| Other services | 1,882 | $959 | 0.78 | +1.7% |
| Agriculture, forestry, fishing | 1,801 | $962 | 3.08 | -0.2% |
| Mining, oil and gas | 1,583 | $2,151 | 5.48 | +13.6% |
| Educational services | 1,478 | $947 | 0.85 | +0.1% |
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 #
$3.4 bn in deposits at 37 offices of 12 banks (SOD June 2026); HHI 2,296, highly concentrated. $3.2 bn federal obligations in FY2026 (direct payments $3.1 bn, contracts $68.6 m), $39,821 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $1.1 bn · 32.2% share · 7 offices | |
| Wells Fargo Bank, National Association | $1.1 bn · 32.0% share · 8 offices | |
| Bank of America, National Association | $397.4 m · 11.8% share · 4 offices | |
| Pinal, AZ | $3.2 bn FY2026 · $39,821/job | |
| MULTIPLE RECIPIENTS | $3.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $1,080,849,000 | 32.2% | 7 |
| Wells Fargo Bank, National Association | $1,074,877,000 | 32.0% | 8 |
| Bank of America, National Association | $397,400,000 | 11.8% | 4 |
| Enterprise Bank & Trust | $188,334,000 | 5.6% | 4 |
| U.S. Bank National Association | $163,666,000 | 4.9% | 3 |
| BMO Bank National Association | $137,843,000 | 4.1% | 3 |
| Western State Bank | $113,978,000 | 3.4% | 1 |
| Zions Bancorporation, N.A. | $80,127,000 | 2.4% | 2 |
| PNC Bank, National Association | $74,099,000 | 2.2% | 2 |
| Glacier Bank | $39,081,000 | 1.2% | 1 |
Deposit concentration is 2,296 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 32.2² + 32.0² + 11.8² + … (9 more) = 2,296
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 | $2,565,964,251 |
| Department of Veterans Affairs | $446,742,804 |
| Department of the Interior | $56,399,568 |
| Department of Homeland Security | $42,972,909 |
| Department of Transportation | $31,162,714 |
| Department of Housing and Urban Development | $27,591,153 |
| Department of Agriculture | $23,578,459 |
| Department of Health and Human Services | $23,066,369 |
| Department of Education | $18,448,085 |
| Railroad Retirement Board | $14,970,013 |
| Department of Defense | $14,757,860 |
| Environmental Protection Agency | $7,447,152 |
That is $39,821 per covered job, against 81,073 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.2 bn / 81,073 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $39,821
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +0.0% |
| 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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Pinal County, AZ: 11 findings, 3 at a watch level and 8 noted
watchPinal County, AZ's typical home value is -2.2% 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 2026-09.Show the arithmetic
- test: home.yoyPct = -2.195015207132831 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchPinal County, AZ's momentum index of 0.15 scores 40 on the 0-to-100 scale across US counties but 86 across Arizona counties, a gap of 46 points.
Period 2026-09.Show the arithmetic
- 46 = |40 across US counties - 86 across Arizona counties|
- 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%)
position among the entities that published this metric this period; not an official level
watchPinal County, AZ's price-to-rent ratio of 16.7 scores 47 on the 0-to-100 scale across US counties but 17 across Arizona counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |47 across US counties - 17 across Arizona 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
notePinal County, AZ's average weekly wage was 3.3% 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
- +3.3 % = 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
notePinal County, AZ's covered employment was 0.7% 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
- +0.7 % = 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.