Escambia County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.53, -87.32.
Assembled 2026-10-20. Read the brief.
- 65th pct · 1,063rd of 3,063 US counties · median $230,451
- 34th pct · 44th of 67 Florida counties · median $306,116
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 33rd pct · 2,023rd of 3,062 US counties · median +2.9%
- 78th pct · 15th of 67 Florida counties · median -0.3%
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 61st pct · 518th of 1,358 US counties · median $1,506
- 20th pct · 36th of 45 Florida counties · median $1,881
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 93rd pct · 224th of 3,221 US counties · median 8,232
- 74th pct · 18th of 67 Florida counties · median 43,443
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 83rd pct · 534th of 3,221 US counties · median $1,039
- 78th pct · 15th of 67 Florida counties · median $1,084
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
- 49th pct · 1,538th of 3,063 US counties · median 4.2
- 13th pct · 58th of 67 Florida counties · median 5.4
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent 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 $280,027 (Sep 2026), +1.4% over one year, +18.0% over five
- 65th pct · 1,063rd of 3,063 US counties · median $230,451
- 34th pct · 44th of 67 Florida counties · median $306,116
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Escambia County, FL | $280,027 · +1.4% 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 $1,646/mo (Sep 2026), +2.5% over one year; price-to-rent 14.2
- 61st pct · 518th of 1,358 US counties · median $1,506
- 20th pct · 36th of 45 Florida counties · median $1,881
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Escambia County, FL | $1,646/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 $1,551 a month on $280,027 at 7.40%, against an average weekly wage worth $5,547 a month: 28.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $280,027 × 80% = $224,022, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,551/mo principal and interest
- wage share = payment / (avg weekly wage $1,280 × 52 / 12 = $5,547) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $280,027 / ($1,280 × 52) = 4.2
- price-to-rent = $280,027 / ($1,646 × 12) = 14.2
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 #
144,400 jobs at 9,744 employers (2026 Q1); -2.1% jobs and +2.3% average weekly wage over the year
- 93rd pct · 224th of 3,221 US counties · median 8,232
- 74th pct · 18th of 67 Florida counties · median 43,443
- counties in the Pensacola-Ferry Pass-Brent metro: Rank context is unavailable: the manifest lists 2 counties in the Pensacola-Ferry Pass-Brent metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Escambia County, FL | 144,400 jobs · $1,280/wk · -2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 24,037 | $1,341 | 1.11 | +1.7% |
| Accommodation and food services | 17,817 | $551 | 1.37 | +0.4% |
| Retail trade | 16,615 | $774 | 1.18 | -3.0% |
| Finance and insurance | 11,690 | $2,749 | 1.99 | -3.4% |
| Construction | 9,262 | $1,424 | 1.22 | -1.2% |
| Administrative and waste services | 8,115 | $988 | 0.99 | +1.1% |
| Professional and technical services | 7,501 | $1,670 | 0.75 | -8.8% |
| Manufacturing | 5,632 | $1,725 | 0.48 | +1.4% |
| Other services | 4,995 | $919 | 1.16 | -1.8% |
| Wholesale trade | 4,394 | $1,673 | 0.79 | -5.3% |
| Transportation and warehousing | 2,836 | $1,297 | 0.47 | +3.2% |
| Educational services | 2,651 | $943 | 0.85 | +2.4% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
$6.3 bn in deposits at 47 offices of 18 banks (SOD June 2026); HHI 1,017, moderately concentrated. $2.9 bn federal obligations in FY2026 (direct payments $2.4 bn, contracts $294.5 m), $20,001 per covered job
| Item | Value | Distance |
|---|---|---|
| Regions Bank | $1.0 bn · 16.1% share · 8 offices | |
| Pinnacle Bank | $853.3 m · 13.6% share · 4 offices | |
| Bank of America, National Association | $731.1 m · 11.6% share · 3 offices | |
| Escambia, FL | $2.9 bn FY2026 · $20,001/job | |
| MULTIPLE RECIPIENTS | $2.3 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Regions Bank | $1,009,063,000 | 16.1% | 8 |
| Pinnacle Bank | $853,253,000 | 13.6% | 4 |
| Bank of America, National Association | $731,102,000 | 11.6% | 3 |
| Hancock Whitney Bank | $689,905,000 | 11.0% | 4 |
| Truist Bank | $639,089,000 | 10.2% | 2 |
| ServisFirst Bank | $628,177,000 | 10.0% | 2 |
| Wells Fargo Bank, National Association | $477,998,000 | 7.6% | 4 |
| PNC Bank, National Association | $335,744,000 | 5.3% | 3 |
| Renasant Bank | $181,106,000 | 2.9% | 3 |
| Centennial Bank | $150,992,000 | 2.4% | 2 |
Deposit concentration is 1,017 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 = 16.1² + 13.6² + 11.6² + … (15 more) = 1,017
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 | $1,718,950,267 |
| Department of Veterans Affairs | $629,225,640 |
| Department of Defense | $242,114,960 |
| Department of Transportation | $133,928,979 |
| Department of Education | $58,842,204 |
| Department of Housing and Urban Development | $42,598,539 |
| Department of Health and Human Services | $13,783,530 |
| Department of Agriculture | $10,781,725 |
| Railroad Retirement Board | $9,623,865 |
| Department of the Treasury | $7,985,634 |
| National Science Foundation | $4,088,897 |
| Federal Communications Commission | $3,539,178 |
That is $20,001 per covered job, against 144,400 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.9 bn / 144,400 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,001
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 · % | 72.20 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Escambia County, FL: 11 findings, 5 at a watch level and 6 noted
watchEscambia County, FL's covered employment is -2.1% 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 = -2.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchEscambia County, FL's typical home value of +1.4% scores 34 on the 0-to-100 scale across US counties but 79 across Florida counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |34 across US counties - 79 across Florida counties|
position among the entities that published this metric this period; not an official level
watchEscambia County, FL's typical asking rent of $1,646 scores 62 on the 0-to-100 scale across US counties but 20 across Florida counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |62 across US counties - 20 across Florida counties|
position among the entities that published this metric this period; not an official level
watchEscambia County, FL's years of wages of 4.2 scores 50 on the 0-to-100 scale across US counties but 14 across Florida counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |50 across US counties - 14 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
watchEscambia County, FL's typical home value of $280,027 scores 65 on the 0-to-100 scale across US counties but 35 across Florida counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |65 across US counties - 35 across Florida counties|
position among the entities that published this metric this period; not an official level
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.