Duval County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.34, -81.65.
Assembled 2026-10-19. Read the brief.
- 69th pct · 945th of 3,063 US counties · median $230,451
- 42nd pct · 39th of 67 Florida counties · median $306,116
- 0th pct · 5th of 5 counties in the Jacksonville metro · median $335,274
- 18th pct · 2,486th of 3,062 US counties · median +2.9%
- 50th pct · 34th of 67 Florida counties · median -0.3%
- 50th pct · 3rd of 5 counties in the Jacksonville metro · median -0.3%
- 58th pct · 568th of 1,358 US counties · median $1,506
- 15th pct · 38th of 45 Florida counties · median $1,881
- 0th pct · 5th of 5 counties in the Jacksonville metro · median $1,850
- 98th pct · 48th of 3,221 US counties · median 8,232
- 92nd pct · 6th of 67 Florida counties · median 43,443
- 100th pct · 1st of 5 counties in the Jacksonville metro · median 57,315
- 94th pct · 180th of 3,221 US counties · median $1,039
- 95th pct · 4th of 67 Florida counties · median $1,084
- 100th pct · 1st of 5 counties in the Jacksonville metro · median $1,211
- 34th pct · 1,994th of 3,063 US counties · median 4.2
- 1st pct · 66th of 67 Florida counties · median 5.4
- 0th pct · 5th 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 $294,079 (Sep 2026), -0.3% over one year, +15.4% over five
- 69th pct · 945th of 3,063 US counties · median $230,451
- 42nd pct · 39th of 67 Florida counties · median $306,116
- 0th pct · 5th of 5 counties in the Jacksonville metro · median $335,274
| Item | Value | Distance |
|---|---|---|
| Duval County, FL | $294,079 · -0.3% 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 $1,603/mo (Sep 2026), +2.5% over one year; price-to-rent 15.3
- 58th pct · 568th of 1,358 US counties · median $1,506
- 15th pct · 38th of 45 Florida counties · median $1,881
- 0th pct · 5th of 5 counties in the Jacksonville metro · median $1,850
| Item | Value | Distance |
|---|---|---|
| Duval County, FL | $1,603/mo · +2.5% 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 $1,629 a month on $294,079 at 7.40%, against an average weekly wage worth $6,860 a month: 23.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $294,079 × 80% = $235,263, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,629/mo principal and interest
- wage share = payment / (avg weekly wage $1,583 × 52 / 12 = $6,860) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $294,079 / ($1,583 × 52) = 3.6
- price-to-rent = $294,079 / ($1,603 × 12) = 15.3
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 #
553,196 jobs at 34,995 employers (2026 Q1); -1.4% jobs and +2.3% average weekly wage over the year
- 98th pct · 48th of 3,221 US counties · median 8,232
- 92nd pct · 6th of 67 Florida counties · median 43,443
- 100th pct · 1st of 5 counties in the Jacksonville metro · median 57,315
| Item | Value | Distance |
|---|---|---|
| Duval County, FL | 553,196 jobs · $1,583/wk · -1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 90,671 | $1,567 | 1.09 | +1.6% |
| Retail trade | 55,655 | $853 | 1.03 | +0.3% |
| Accommodation and food services | 46,328 | $573 | 0.93 | +0.9% |
| Transportation and warehousing | 42,207 | $1,233 | 1.81 | -9.1% |
| Finance and insurance | 41,424 | $2,962 | 1.84 | -5.0% |
| Professional and technical services | 38,567 | $2,177 | 1.01 | -0.1% |
| Construction | 38,543 | $1,673 | 1.33 | -3.4% |
| Administrative and waste services | 37,096 | $1,091 | 1.18 | -1.5% |
| Manufacturing | 28,185 | $2,022 | 0.63 | -0.8% |
| Wholesale trade | 20,233 | $1,939 | 0.95 | -3.0% |
| Other services | 14,648 | $1,112 | 0.89 | +0.1% |
| Arts, entertainment and recreation | 10,254 | $1,244 | 1.13 | +5.2% |
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 #
$109.4 bn in deposits at 155 offices of 28 banks (SOD June 2026); HHI 3,903, highly concentrated. $41.1 bn federal obligations in FY2026 (direct payments $35.5 bn, contracts $5.1 bn), $74,262 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $61.1 bn · 55.8% share · 15 offices | |
| EverBank, National Association | $29.8 bn · 27.2% share · 6 offices | |
| Truist Bank | $5.5 bn · 5.0% share · 15 offices | |
| Duval, FL | $41.1 bn FY2026 · $74,262/job | |
| MULTIPLE RECIPIENTS | $35.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $61,098,650,000 | 55.8% | 15 |
| EverBank, National Association | $29,774,428,000 | 27.2% | 6 |
| Truist Bank | $5,455,981,000 | 5.0% | 15 |
| Wells Fargo Bank, National Association | $4,211,401,000 | 3.8% | 25 |
| Ameris Bank | $1,402,519,000 | 1.3% | 9 |
| Pinnacle Bank | $959,588,000 | 0.9% | 4 |
| JPMorgan Chase Bank, National Association | $916,513,000 | 0.8% | 14 |
| PNC Bank, National Association | $755,396,000 | 0.7% | 10 |
| Regions Bank | $667,526,000 | 0.6% | 9 |
| Fifth Third Bank, National Association | $574,245,000 | 0.5% | 9 |
Deposit concentration is 3,903 across 27 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 27 banks with deposits in the county = 55.8² + 27.2² + 5.0² + … (24 more) = 3,903
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 |
|---|---|
| Department of Health and Human Services | $29,632,283,477 |
| Social Security Administration | $4,373,391,855 |
| Department of Defense | $3,880,912,558 |
| Department of Veterans Affairs | $1,425,187,806 |
| Department of Transportation | $1,035,367,009 |
| Department of Homeland Security | $266,934,172 |
| Department of Housing and Urban Development | $168,578,968 |
| Department of Education | $130,601,819 |
| Railroad Retirement Board | $115,201,856 |
| General Services Administration | $21,167,575 |
| Department of Labor | $8,482,831 |
| Department of Agriculture | $4,903,499 |
That is $74,262 per covered job, against 553,196 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $41.1 bn / 553,196 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $74,262
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 #
Duval County, FL: 21 findings, 5 at a watch level and 16 noted
watchDuval County, FL's covered employment is -1.4% 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 = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDuval County, FL's typical home value is -0.3% 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 = -0.3158112708889005 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchDuval County, FL's typical asking rent of $1,603 scores 58 on the 0-to-100 scale across US counties but 16 across Florida counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |58 across US counties - 16 across Florida counties|
position among the entities that published this metric this period; not an official level
watchDuval County, FL's years of wages of 3.6 scores 35 on the 0-to-100 scale across US counties but 2 across Florida counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |35 across US counties - 2 across Florida counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchDuval County, FL's typical home value of -0.3% scores 19 on the 0-to-100 scale across US counties but 50 across Florida counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |19 across US counties - 50 across Florida counties|
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.