{
  "title": "Tampa Bay Property Leadership Data Snapshot",
  "updated": "2026-08-27",
  "geography_note": "County indicators cover Hillsborough and Pinellas. BLS metro indicators also include Hernando and Pasco counties.",
  "regional": {
    "population_2025": {"hillsborough": 1574115, "pinellas": 948563, "combined": 2522678},
    "population_change_2020_2025_percent": {"hillsborough": 7.8, "pinellas": -1.1},
    "housing_units_2025": {"hillsborough": 664934, "pinellas": 526414, "combined": 1191348},
    "households_2020_2024": {"hillsborough": 583192, "pinellas": 428473, "combined": 1011665},
    "owner_occupied_rate_percent": {"hillsborough": 61.5, "pinellas": 69.5},
    "median_owner_occupied_value_usd": {"hillsborough": 371500, "pinellas": 355100},
    "median_monthly_owner_cost_with_mortgage_usd": {"hillsborough": 2003, "pinellas": 1948},
    "median_gross_rent_usd": {"hillsborough": 1667, "pinellas": 1642},
    "residents_age_65_plus_percent": {"hillsborough": 16.5, "pinellas": 28.7},
    "building_permits_2025": {"hillsborough": 8696, "pinellas": 4198, "combined": 12894}
  },
  "florida_condominium": {
    "complaints": {"FY2020-2021": 1464, "FY2021-2022": 1598, "FY2022-2023": 2383, "FY2023-2024": 2678, "FY2024-2025": 3863},
    "complaint_growth_five_year_percent": 163.9,
    "online_accounts_2025_11_30": 16104,
    "sirs_completions_reported_2025_11_30": 7836,
    "sirs_to_account_context_ratio_percent": 48.7,
    "ratio_note": "This is a context ratio, not a compliance rate; not every account necessarily represents an association subject to SIRS."
  },
  "inspection_clock": {
    "standard_initial_milestone_age_years": 30,
    "possible_local_initial_milestone_age_years": 25,
    "repeat_interval_years": 10,
    "owner_notification_days": 14,
    "phase_one_window_days": 180,
    "report_distribution_days": 45,
    "repair_commencement_ceiling_days": 365,
    "covered_height_habitable_stories_or_more": 3
  },
  "noaa_2026_atlantic_outlook": {
    "probability_for_each_range_percent": 70,
    "named_storms": [7, 13],
    "hurricanes": [2, 6],
    "major_hurricanes": [0, 2],
    "landfall_note": "Seasonal outlooks do not predict whether a particular locality will be affected."
  },
  "property_prices": {
    "reference": "FHFA 2026Q2",
    "tampa_metropolitan_division": {"rank": 181, "one_quarter_percent": -0.41, "one_year_percent": 1.07, "five_year_percent": 47.80, "index_type": "not seasonally adjusted all-transactions"},
    "st_petersburg_clearwater_largo_metropolitan_division": {"rank": 216, "one_quarter_percent": -0.07, "one_year_percent": -0.09, "five_year_percent": 43.61, "index_type": "not seasonally adjusted all-transactions"},
    "florida": {"rank": 41, "one_quarter_percent": 0.18, "one_year_percent": 0.96, "five_year_percent": 37.47, "index_type": "seasonally adjusted purchase-only"}
  },
  "property_insurance": {
    "reference": "Florida OIR data as of September 30, 2024; excludes surplus lines",
    "average_annual_premium_usd": {"hillsborough_homeowners": 2653, "pinellas_homeowners": 3882, "hillsborough_condominium_unit_owner": 1330, "pinellas_condominium_unit_owner": 1390},
    "pinellas_versus_hillsborough_percent": {"homeowners": 46.3, "condominium_unit_owner": 4.5},
    "condominium_combined_market_share_percent": {"voluntary": 89.46, "citizens": 10.54},
    "condominium_multi_peril": {"total_policies": 924466, "voluntary_policies": 843402, "citizens_policies": 81064, "voluntary_share_percent": 91.23, "citizens_share_percent": 8.77},
    "condominium_wind_only": {"total_policies": 22746, "voluntary_policies": 4005, "citizens_policies": 18741, "voluntary_share_percent": 17.61, "citizens_share_percent": 82.39}
  },
  "labor_market": {
    "civilian_labor_force_june_2026_preliminary": 1698899,
    "unemployed_june_2026_preliminary": 79635,
    "unemployment_rate_june_2026_percent": 4.7,
    "mean_hourly_wage_may_2025_usd": {"all_occupations": 31.96, "management": 66.50, "business_financial_operations": 42.49, "architecture_engineering": 45.10, "building_grounds_maintenance": 18.07, "office_administrative_support": 23.93},
    "office_administrative_support_employment_may_2025": 185560,
    "office_administrative_support_share_percent": 12.8
  },
  "sources": [
    "https://www.census.gov/quickfacts/",
    "https://condos.myfloridalicense.com/faqs/",
    "https://www2.myfloridalicense.com/lsc/documents/CTMH%20Annual%20Report%202024-25.pdf",
    "https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0553/Sections/0553.899.html",
    "https://www.cpc.ncep.noaa.gov/products/outlooks/hurricane.shtml",
    "https://www.bls.gov/news.release/metro.t02.htm",
    "https://www.bls.gov/regions/southeast/news-release/occupationalemploymentandwages_tampa.htm",
    "https://www.fhfa.gov/house-price-index",
    "https://floir.gov/docs-sf/default-source/property-and-casualty/stability-unit-reports/january-2025-isu-report.pdf"
  ]
}