Caguas Municipio, PR

Home values #

No Zillow home value index for this area

• US counties: not published this period
• Puerto Rico counties: not published this period
• counties in the San Juan-Bayamon-Caguas metro: 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
• Puerto Rico counties: not published this period
• counties in the San Juan-Bayamon-Caguas metro: 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
• 93rd pct · 6th of 78 Puerto Rico counties · median 4,800
• 89th pct · 5th of 40 counties in the San Juan-Bayamon-Caguas metro · median 6,531

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 #

D1 moderate drought

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 #

No reservoir gauges within 150 km (or the camera is above the gauge altitude)

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 #

224 gauges · 0 flooding · 5 with quality panels averaging 80 % · 53 stale

Sites found: 224, 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 #

120 wells in 2 named aquifers: Other aquifers, South Coast aquifer (Puerto Rico)

Sites found: 120, 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 (0.23)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.20 / 0.55

Banks & federal dollars #

$2.1 bn in deposits at 13 offices of 3 banks (SOD June 2026); HHI 4,312, highly concentrated. $702.1 m federal obligations in FY2026 (direct payments $628.5 m, grants $67.3 m), $16,001 per covered job

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.

That is $16,001 per covered job, against 43,875 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $702.1 m / 43,875 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,001

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.

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 #

Caguas Municipio, PR: 9 findings, 3 at a watch level and 6 noted

1. watchCaguas Municipio, 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

2. watchCaguas Municipio, 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

3. watchCaguas Municipio, PR's average weekly wage of $631 scores 2 on the 0-to-100 scale across US counties but 70 across Puerto Rico counties, a gap of 68 points.

   Period 2026 Q1.
   Show the arithmetic

   • 68 = |2 across US counties - 70 across Puerto Rico counties|

   position among the entities that published this metric this period; not an official level

4. noteCaguas Municipio, 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

5. noteCaguas Municipio, 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

Read all 9 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.