Orange County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.51, -81.32.
Assembled 2026-10-21. Read the brief.
- 86th pct · 414th of 3,063 US counties · median $230,451
- 81st pct · 13th of 67 Florida counties · median $306,116
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 15th pct · 2,590th of 3,062 US counties · median +2.9%
- 37th pct · 42nd of 67 Florida counties · median -0.3%
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 80th pct · 269th of 1,358 US counties · median $1,506
- 54th pct · 21st of 45 Florida counties · median $1,881
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 99th pct · 14th of 3,221 US counties · median 8,232
- 98th pct · 2nd of 67 Florida counties · median 43,443
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 90th pct · 306th of 3,221 US counties · median $1,039
- 89th pct · 8th of 67 Florida counties · median $1,084
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
- 71st pct · 875th of 3,063 US counties · median 4.2
- 50th pct · 34th of 67 Florida counties · median 5.4
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford 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 $400,964 (Sep 2026), -0.8% over one year, +22.1% over five
- 86th pct · 414th of 3,063 US counties · median $230,451
- 81st pct · 13th of 67 Florida counties · median $306,116
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Orange County, FL | $400,964 · -0.8% 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 $1,933/mo (Sep 2026), +1.0% over one year; price-to-rent 17.3
- 80th pct · 269th of 1,358 US counties · median $1,506
- 54th pct · 21st of 45 Florida counties · median $1,881
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Orange County, FL | $1,933/mo · +1.0% 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 $2,221 a month on $400,964 at 7.40%, against an average weekly wage worth $6,205 a month: 35.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $400,964 × 80% = $320,771, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,221/mo principal and interest
- wage share = payment / (avg weekly wage $1,432 × 52 / 12 = $6,205) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $400,964 / ($1,432 × 52) = 5.4
- price-to-rent = $400,964 / ($1,933 × 12) = 17.3
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 #
961,014 jobs at 56,445 employers (2026 Q1); +1.2% jobs and +2.9% average weekly wage over the year
- 99th pct · 14th of 3,221 US counties · median 8,232
- 98th pct · 2nd of 67 Florida counties · median 43,443
- counties in the Orlando-Kissimmee-Sanford metro: Rank context is unavailable: the manifest lists 4 counties in the Orlando-Kissimmee-Sanford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Orange County, FL | 961,014 jobs · $1,432/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 138,358 | $824 | 1.60 | -0.1% |
| Health care and social assistance | 108,318 | $1,602 | 0.75 | +6.6% |
| Arts, entertainment and recreation | 95,377 | $970 | 6.03 | +6.9% |
| Retail trade | 84,954 | $847 | 0.91 | +0.4% |
| Administrative and waste services | 77,675 | $1,177 | 1.42 | +0.8% |
| Professional and technical services | 71,989 | $2,167 | 1.09 | -2.6% |
| Transportation and warehousing | 51,139 | $1,439 | 1.26 | +4.7% |
| Construction | 45,440 | $1,582 | 0.90 | -3.3% |
| Manufacturing | 36,740 | $2,707 | 0.48 | +0.7% |
| Wholesale trade | 33,542 | $1,947 | 0.91 | -0.4% |
| Real estate and rental | 26,945 | $1,647 | 1.83 | +2.0% |
| Finance and insurance | 25,953 | $2,867 | 0.66 | -6.8% |
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 #
$43.6 bn in deposits at 256 offices of 40 banks (SOD June 2026); HHI 1,181, moderately concentrated. $14.0 bn federal obligations in FY2026 (contracts $7.1 bn, direct payments $6.5 bn), $14,596 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $8.7 bn · 19.8% share · 31 offices | |
| Bank of America, National Association | $7.6 bn · 17.5% share · 27 offices | |
| JPMorgan Chase Bank, National Association | $6.3 bn · 14.4% share · 32 offices | |
| Orange, FL | $14.0 bn FY2026 · $14,596/job | |
| MULTIPLE RECIPIENTS | $5.9 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $8,657,867,000 | 19.8% | 31 |
| Bank of America, National Association | $7,638,521,000 | 17.5% | 27 |
| JPMorgan Chase Bank, National Association | $6,299,405,000 | 14.4% | 32 |
| Wells Fargo Bank, National Association | $6,139,470,000 | 14.1% | 27 |
| Regions Bank | $2,036,913,000 | 4.7% | 22 |
| Fifth Third Bank, National Association | $1,467,429,000 | 3.4% | 22 |
| One Florida Bank | $1,138,475,000 | 2.6% | 3 |
| Pinnacle Bank | $1,081,398,000 | 2.5% | 4 |
| Cogent Bank | $912,836,000 | 2.1% | 2 |
| TD Bank, National Association | $894,586,000 | 2.0% | 8 |
Deposit concentration is 1,181 across 40 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 40 banks with deposits in the county = 19.8² + 17.5² + 14.4² + … (37 more) = 1,181
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 | $4,945,519,436 |
| Department of Defense | $4,708,527,399 |
| Department of Veterans Affairs | $2,926,045,823 |
| Department of Education | $484,713,133 |
| General Services Administration | $395,123,487 |
| Department of Transportation | $218,764,371 |
| Department of Housing and Urban Development | $116,213,826 |
| Department of Health and Human Services | $81,341,822 |
| National Science Foundation | $32,151,676 |
| Federal Communications Commission | $24,308,724 |
| Department of the Interior | $21,375,605 |
| Department of Homeland Security | $20,453,583 |
That is $14,596 per covered job, against 961,014 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $14.0 bn / 961,014 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,596
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 #
Orange County, FL: 10 findings, 2 at a watch level and 8 noted
watchOrange County, FL's typical home value is -0.8% 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 = -0.8133561730493769 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchOrange County, FL's price-to-rent ratio of 17.3 scores 52 on the 0-to-100 scale across US counties but 84 across Florida counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |52 across US counties - 84 across Florida 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
noteOrange County, FL's average weekly wage was 2.9% 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
- +2.9 % = 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
noteOrange County, FL's covered employment was 1.2% 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
- +1.2 % = 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
noteOrange County, FL's covered employment of 961,014 ranks 14th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
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.