Collin County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.19, -96.58.
Assembled 2026-10-19. Read the brief.
- 92nd pct · 234th of 3,063 US counties · median $230,451
- 98th pct · 4th of 243 Texas counties · median $207,861
- 100th pct · 1st of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
- 4th pct · 2,926th of 3,062 US counties · median +2.9%
- 10th pct · 218th of 243 Texas counties · median +0.1%
- 0th pct · 11th of 11 counties in the Dallas-Fort Worth-Arlington metro · median -1.6%
- 66th pct · 456th of 1,358 US counties · median $1,506
- 87th pct · 13th of 98 Texas counties · median $1,449
- 70th pct · 4th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
- 98th pct · 47th of 3,221 US counties · median 8,232
- 98th pct · 6th of 254 Texas counties · median 6,022
- 80th pct · 3rd of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
- 98th pct · 49th of 3,221 US counties · median $1,039
- 96th pct · 9th of 254 Texas counties · median $1,115
- 90th pct · 2nd of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,215
- 57th pct · 1,312th of 3,063 US counties · median 4.2
- 76th pct · 59th of 243 Texas counties · median 3.5
- 30th pct · 8th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 5.6
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 $477,505 (Sep 2026), -4.7% over one year, +11.8% over five
- 92nd pct · 234th of 3,063 US counties · median $230,451
- 98th pct · 4th of 243 Texas counties · median $207,861
- 100th pct · 1st of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
| Item | Value | Distance |
|---|---|---|
| Collin County, TX | $477,505 · -4.7% 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 $1,716/mo (Sep 2026), -0.4% over one year; price-to-rent 23.2
- 66th pct · 456th of 1,358 US counties · median $1,506
- 87th pct · 13th of 98 Texas counties · median $1,449
- 70th pct · 4th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
| Item | Value | Distance |
|---|---|---|
| Collin County, TX | $1,716/mo · -0.4% 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 $2,645 a month on $477,505 at 7.40%, against an average weekly wage worth $8,723 a month: 30.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $477,505 × 80% = $382,004, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,645/mo principal and interest
- wage share = payment / (avg weekly wage $2,013 × 52 / 12 = $8,723) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $477,505 / ($2,013 × 52) = 4.6
- price-to-rent = $477,505 / ($1,716 × 12) = 23.2
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 #
574,838 jobs at 35,313 employers (2026 Q1); +3.5% jobs and +3.7% average weekly wage over the year
- 98th pct · 47th of 3,221 US counties · median 8,232
- 98th pct · 6th of 254 Texas counties · median 6,022
- 80th pct · 3rd of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
| Item | Value | Distance |
|---|---|---|
| Collin County, TX | 574,838 jobs · $2,013/wk · +3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Professional and technical services | 70,805 | $2,595 | 1.79 | +8.6% |
| Finance and insurance | 70,589 | $3,355 | 3.01 | +5.7% |
| Health care and social assistance | 66,272 | $1,418 | 0.77 | +6.7% |
| Retail trade | 57,899 | $906 | 1.03 | +0.8% |
| Accommodation and food services | 52,219 | $606 | 1.01 | +1.8% |
| Administrative and waste services | 30,726 | $1,575 | 0.94 | +10.7% |
| Manufacturing | 30,129 | $2,965 | 0.65 | -3.8% |
| Construction | 26,188 | $1,861 | 0.87 | +2.5% |
| Wholesale trade | 19,169 | $3,093 | 0.87 | -0.6% |
| Information | 19,039 | $3,970 | 1.80 | -4.1% |
| Management of companies | 16,003 | $4,759 | 1.66 | +1.2% |
| Other services | 13,784 | $1,052 | 0.80 | +1.3% |
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 #
Surface water layer not loaded
Sites found: 40, 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.
| Site | Reading | Distance |
|---|---|---|
| Lavon Lake | 80 % full · 410k ac-ft | 20 km |
| Lewisville Lake | 83 % full · 563k ac-ft | 38 km |
| Lake Ray Hubbard | 84 % full · 440k ac-ft | 45 km |
| Ray Roberts Lake | 94 % full · 788k ac-ft | 47 km |
| Grapevine Lake | 92 % full · 163k ac-ft | 51 km |
| Mountain Creek Lake | 100 % full · 23k ac-ft | 62 km |
| Lake Bonham | 76 % full · 11k ac-ft | 63 km |
| New Terrell City Lake | 24 % full · 9k ac-ft | 64 km |
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 (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.14 / 0.65
Banks & federal dollars #
$39.8 bn in deposits at 274 offices of 70 banks (SOD June 2026); HHI 948, unconcentrated. $6.3 bn federal obligations in FY2026 (direct payments $4.9 bn, contracts $1.3 bn), $11,003 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $8.8 bn · 22.1% share · 37 offices | |
| Bank of America, National Association | $5.4 bn · 13.5% share · 20 offices | |
| Wells Fargo Bank, National Association | $4.3 bn · 10.9% share · 23 offices | |
| Collin, TX | $6.3 bn FY2026 · $11,003/job | |
| MULTIPLE RECIPIENTS | $4.8 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $8,790,029,000 | 22.1% | 37 |
| Bank of America, National Association | $5,364,700,000 | 13.5% | 20 |
| Wells Fargo Bank, National Association | $4,323,626,000 | 10.9% | 23 |
| Prosperity Bank | $3,199,543,000 | 8.0% | 16 |
| SouthState Bank, National Association | $2,525,051,000 | 6.3% | 11 |
| PNC Bank, National Association | $1,387,841,000 | 3.5% | 17 |
| Texas Capital Bank | $993,491,000 | 2.5% | 1 |
| The American National Bank of Texas | $832,828,000 | 2.1% | 5 |
| Truist Bank | $740,663,000 | 1.9% | 8 |
| First United Bank and Trust Company | $719,423,000 | 1.8% | 5 |
Deposit concentration is 948 across 69 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 69 banks with deposits in the county = 22.1² + 13.5² + 10.9² + … (66 more) = 948
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 | $3,867,929,655 |
| Department of Defense | $1,196,249,559 |
| Department of Veterans Affairs | $692,278,796 |
| Department of Health and Human Services | $411,711,294 |
| Department of Education | $47,798,459 |
| Department of Transportation | $36,967,126 |
| Department of Justice | $25,617,131 |
| Department of Labor | $19,633,778 |
| Federal Communications Commission | $18,086,046 |
| Department of Homeland Security | $13,123,862 |
| Railroad Retirement Board | $8,401,956 |
| Department of Agriculture | $6,847,591 |
That is $11,003 per covered job, against 574,838 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $6.3 bn / 574,838 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,003
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 #
Collin County, TX: 19 findings, 1 at a watch level and 18 noted
watchCollin County, TX's typical home value is -4.7% 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 = -4.699898323836627 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteCollin County, TX's average weekly wage was 3.7% 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
- +3.7 % = 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
noteCollin County, TX's covered employment was 3.5% 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
- +3.5 % = 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
noteCollin County, TX's typical asking rent fell 0.3% from $1,722 in August 2026 to $1,716 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.3% = (1716.1831393725324 - 1722.0603828669762) / 1722.0603828669762 × 100
- 1716.1831393725324 = Zillow ZORI, 2026-09
- 1722.0603828669762 = Zillow ZORI, 2026-08
noteCollin County, TX's typical home value of $477,505 ranks 1st of 11 counties in the Dallas-Fort Worth-Arlington metro, against a median of $370,072.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 11 counties in the Dallas-Fort Worth-Arlington metro that published home.latest
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.