Comal County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.81, -98.26.
Assembled 2026-10-19. Read the brief.
- 89th pct · 329th of 3,063 US counties · median $230,451
- 96th pct · 10th of 243 Texas counties · median $207,861
- 85th pct · 2nd of 8 counties in the San Antonio-New Braunfels metro · median $322,764
- 14th pct · 2,620th of 3,062 US counties · median +2.9%
- 38th pct · 150th of 243 Texas counties · median +0.1%
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median -1.4%
- 53rd pct · 626th of 1,358 US counties · median $1,506
- 62nd pct · 37th of 98 Texas counties · median $1,449
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median $1,474
- 88th pct · 366th of 3,221 US counties · median 8,232
- 89th pct · 28th of 254 Texas counties · median 6,022
- 85th pct · 2nd of 8 counties in the San Antonio-New Braunfels metro · median 17,217
- 78th pct · 693rd of 3,221 US counties · median $1,039
- 66th pct · 84th of 254 Texas counties · median $1,115
- 42nd pct · 5th of 8 counties in the San Antonio-New Braunfels metro · median $1,227
- 86th pct · 400th of 3,063 US counties · median 4.2
- 94th pct · 15th of 243 Texas counties · median 3.5
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median 6.4
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 $431,172 (Sep 2026), -1.0% over one year, +3.8% over five
- 89th pct · 329th of 3,063 US counties · median $230,451
- 96th pct · 10th of 243 Texas counties · median $207,861
- 85th pct · 2nd of 8 counties in the San Antonio-New Braunfels metro · median $322,764
| Item | Value | Distance |
|---|---|---|
| Comal County, TX | $431,172 · -1.0% 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 $1,555/mo (Sep 2026), +0.7% over one year; price-to-rent 23.1
- 53rd pct · 626th of 1,358 US counties · median $1,506
- 62nd pct · 37th of 98 Texas counties · median $1,449
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median $1,474
| Item | Value | Distance |
|---|---|---|
| Comal County, TX | $1,555/mo · +0.7% 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 $2,388 a month on $431,172 at 7.40%, against an average weekly wage worth $5,300 a month: 45.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $431,172 × 80% = $344,938, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,388/mo principal and interest
- wage share = payment / (avg weekly wage $1,223 × 52 / 12 = $5,300) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $431,172 / ($1,223 × 52) = 6.8
- price-to-rent = $431,172 / ($1,555 × 12) = 23.1
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 #
77,482 jobs at 5,324 employers (2026 Q1); +1.0% jobs and +3.4% average weekly wage over the year
- 88th pct · 366th of 3,221 US counties · median 8,232
- 89th pct · 28th of 254 Texas counties · median 6,022
- 85th pct · 2nd of 8 counties in the San Antonio-New Braunfels metro · median 17,217
| Item | Value | Distance |
|---|---|---|
| Comal County, TX | 77,482 jobs · $1,223/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 10,192 | $828 | 1.35 | -2.1% |
| Accommodation and food services | 10,029 | $493 | 1.44 | +7.4% |
| Health care and social assistance | 8,598 | $1,167 | 0.74 | +5.4% |
| Construction | 7,211 | $1,386 | 1.78 | -3.9% |
| Transportation and warehousing | 4,977 | $1,089 | 1.52 | +6.5% |
| Administrative and waste services | 4,577 | $1,086 | 1.04 | -10.1% |
| Manufacturing | 4,403 | $1,449 | 0.71 | -3.5% |
| Professional and technical services | 3,715 | $1,804 | 0.70 | +4.8% |
| Wholesale trade | 3,640 | $2,357 | 1.23 | +6.4% |
| Other services | 2,348 | $871 | 1.01 | +0.5% |
| Arts, entertainment and recreation | 2,043 | $483 | 1.60 | -7.3% |
| Finance and insurance | 1,440 | $1,837 | 0.46 | -1.4% |
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 #
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: 11, 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 |
|---|---|---|
| Canyon Lake | 97 % full · 379k ac-ft | 8 km |
| Medina Lake | 28 % full · 255k ac-ft | 72 km |
| Lake Austin | 95 % full · 24k ac-ft | 72 km |
| Lake Travis | 94 % full · 1,098k ac-ft | 73 km |
| Lake Marble Falls | 97 % full · 8k ac-ft | 83 km |
| Lake L. B. Johnson | 99 % full · 113k ac-ft | 83 km |
| Inks Lake | 95 % full · 14k ac-ft | 103 km |
| Lake Buchanan | 96 % full · 867k ac-ft | 106 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 (0.24)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.24 / 0.65
Banks & federal dollars #
$3.4 bn in deposits at 36 offices of 20 banks (SOD June 2026); HHI 1,058, moderately concentrated. $1.8 bn federal obligations in FY2026 (direct payments $1.7 bn, contracts $33.6 m), $22,702 per covered job
| Item | Value | Distance |
|---|---|---|
| Frost Bank | $698.5 m · 20.3% share · 1 office | |
| JPMorgan Chase Bank, National Association | $486.7 m · 14.1% share · 3 offices | |
| Wells Fargo Bank, National Association | $466.0 m · 13.5% share · 4 offices | |
| Comal, TX | $1.8 bn FY2026 · $22,702/job | |
| MULTIPLE RECIPIENTS | $1.7 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Frost Bank | $698,523,000 | 20.3% | 1 |
| JPMorgan Chase Bank, National Association | $486,692,000 | 14.1% | 3 |
| Wells Fargo Bank, National Association | $466,016,000 | 13.5% | 4 |
| Broadway National Bank | $290,270,000 | 8.4% | 2 |
| Prosperity Bank | $282,883,000 | 8.2% | 6 |
| First Commercial Bank, National Association | $194,753,000 | 5.7% | 2 |
| Security State Bank & Trust | $193,024,000 | 5.6% | 3 |
| Jefferson Bank | $137,173,000 | 4.0% | 1 |
| First United Bank and Trust Company | $127,307,000 | 3.7% | 2 |
| Bank of America, National Association | $118,290,000 | 3.4% | 1 |
Deposit concentration is 1,058 across 20 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 20 banks with deposits in the county = 20.3² + 14.1² + 13.5² + … (17 more) = 1,058
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 | $1,112,112,415 |
| Department of Veterans Affairs | $582,747,111 |
| Department of Transportation | $26,025,785 |
| Department of Defense | $19,022,349 |
| Railroad Retirement Board | $7,885,204 |
| Department of Housing and Urban Development | $4,104,017 |
| Department of Agriculture | $3,579,419 |
| Department of Justice | $1,912,056 |
| Federal Communications Commission | $1,290,295 |
| Department of Education | $244,051 |
| Department of Health and Human Services | $62,100 |
| Small Business Administration | $36,150 |
That is $22,702 per covered job, against 77,482 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.8 bn / 77,482 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,702
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 #
Comal County, TX: 9 findings, 1 at a watch level and 8 noted
watchComal County, TX's typical home value is -1.0% 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 = -1.0381770880210457 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteComal County, TX's average weekly wage was 3.4% 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
- +3.4 % = 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
noteComal County, TX's covered employment was 1.0% 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 % = 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
noteComal County, TX's typical home value of $431,172 ranks 10th of 243 Texas counties, against a median of $207,861.
Period 2026-09.Show the arithmetic
- 96 on the 0-to-100 scale across 243 Texas counties that published home.latest
position among the entities that published this metric this period; not an official level
noteComal County, TX's years of wages of 6.8 ranks 15th of 243 Texas counties, against a median of 3.5.
Period 2026-09.Show the arithmetic
- 94 on the 0-to-100 scale across 243 Texas counties that published yearsOfWages
- 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
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.