Coryell County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.39, -97.80.
Assembled 2026-10-20. Read the brief.
- 47th pct · 1,616th of 3,063 US counties · median $230,451
- 57th pct · 105th of 243 Texas counties · median $207,861
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 27th pct · 2,231st of 3,062 US counties · median +2.9%
- 57th pct · 103rd of 243 Texas counties · median +0.1%
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 18th pct · 1,104th of 1,358 US counties · median $1,506
- 11th pct · 87th of 98 Texas counties · median $1,449
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 64th pct · 1,131st of 3,221 US counties · median 8,232
- 71st pct · 72nd of 254 Texas counties · median 6,022
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 61st pct · 1,225th of 3,221 US counties · median $1,039
- 46th pct · 136th of 254 Texas counties · median $1,115
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 43rd pct · 1,716th of 3,063 US counties · median 4.2
- 60th pct · 97th of 243 Texas counties · median 3.5
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple 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 $224,581 (Sep 2026), +0.7% over one year, +17.6% over five
- 47th pct · 1,616th of 3,063 US counties · median $230,451
- 57th pct · 105th of 243 Texas counties · median $207,861
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Coryell County, TX | $224,581 · +0.7% 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 $1,160/mo (Sep 2026), +0.8% over one year; price-to-rent 16.1
- 18th pct · 1,104th of 1,358 US counties · median $1,506
- 11th pct · 87th of 98 Texas counties · median $1,449
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Coryell County, TX | $1,160/mo · +0.8% 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 $1,244 a month on $224,581 at 7.40%, against an average weekly wage worth $4,758 a month: 26.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $224,581 × 80% = $179,664, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,244/mo principal and interest
- wage share = payment / (avg weekly wage $1,098 × 52 / 12 = $4,758) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $224,581 / ($1,098 × 52) = 3.9
- price-to-rent = $224,581 / ($1,160 × 12) = 16.1
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 #
15,169 jobs at 1,005 employers (2026 Q1); +0.7% jobs and +2.8% average weekly wage over the year
- 64th pct · 1,131st of 3,221 US counties · median 8,232
- 71st pct · 72nd of 254 Texas counties · median 6,022
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Coryell County, TX | 15,169 jobs · $1,098/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,962 | $668 | 1.33 | +2.7% |
| Accommodation and food services | 1,603 | $357 | 1.18 | +0.0% |
| Professional and technical services | 1,104 | $2,044 | 1.06 | -7.9% |
| Health care and social assistance | 792 | $1,106 | 0.35 | -2.1% |
| Construction | 778 | $1,238 | 0.98 | +0.0% |
| Other services | 592 | $899 | 1.31 | -11.6% |
| Wholesale trade | 375 | $2,256 | 0.65 | +19.0% |
| Manufacturing | 315 | $1,295 | 0.26 | -7.4% |
| Finance and insurance | 265 | $2,046 | 0.43 | +1.1% |
| Information | 242 | $1,428 | 0.87 | +1.7% |
| Real estate and rental | 187 | $988 | 0.80 | +6.9% |
| Transportation and warehousing | 136 | $1,330 | 0.21 | +8.8% |
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.
Drought #
D2 severe 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: 25, 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 |
|---|---|---|
| Belton Lake | 97 % full · 433k ac-ft | 44 km |
| Stillhouse Hollow Lake | 97 % full · 230k ac-ft | 48 km |
| Waco Lake | 88 % full · 189k ac-ft | 61 km |
| Whitney Lake | 91 % full · 565k ac-ft | 66 km |
| Aquilla Lake | 82 % full · 43k ac-ft | 80 km |
| Lake Georgetown | 79 % full · 38k ac-ft | 81 km |
| Granger Lake | 99 % full · 52k ac-ft | 90 km |
| Proctor Lake | 57 % full · 55k ac-ft | 91 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 #
moderate (0.31)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.08 / 0.65
Banks & federal dollars #
$1.1 bn in deposits at 16 offices of 6 banks (SOD June 2026); HHI 2,078, highly concentrated. $809.6 m federal obligations in FY2026 (direct payments $560.1 m, contracts $226.9 m), $53,374 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $364.4 m · 32.3% share · 2 offices | |
| First National Bank Texas | $233.1 m · 20.6% share · 7 offices | |
| The First National Bank of Evant | $180.4 m · 16.0% share · 3 offices | |
| Coryell, TX | $809.6 m FY2026 · $53,374/job | |
| MULTIPLE RECIPIENTS | $556.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $364,360,000 | 32.3% | 2 |
| First National Bank Texas | $233,113,000 | 20.6% | 7 |
| The First National Bank of Evant | $180,377,000 | 16.0% | 3 |
| Extraco Banks, National Association | $169,817,000 | 15.0% | 2 |
| First National Bank of Central Texas | $95,564,000 | 8.5% | 1 |
| First Texas Bank | $86,275,000 | 7.6% | 1 |
Deposit concentration is 2,078 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 32.3² + 20.6² + 16.0² + … (3 more) = 2,078
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 |
|---|---|
| Department of Veterans Affairs | $291,877,436 |
| Social Security Administration | $263,757,179 |
| Department of Defense | $216,590,096 |
| Department of Transportation | $19,664,694 |
| Department of the Interior | $8,037,757 |
| Department of Education | $3,286,997 |
| Department of Agriculture | $2,351,010 |
| Railroad Retirement Board | $1,482,513 |
| Department of Housing and Urban Development | $1,029,775 |
| Federal Communications Commission | $786,801 |
| General Services Administration | $767,342 |
| Department of Health and Human Services | $0 |
That is $53,374 per covered job, against 15,169 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $809.6 m / 15,169 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $53,374
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 #
Coryell County, TX: 7 findings, 1 at a watch level and 6 noted
watchCoryell County, TX's typical home value of +0.7% scores 27 on the 0-to-100 scale across US counties but 58 across Texas counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |27 across US counties - 58 across Texas counties|
position among the entities that published this metric this period; not an official level
noteCoryell County, TX's average weekly wage was 2.8% 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
- +2.8 % = 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
noteCoryell County, TX's covered employment was 0.7% 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
- +0.7 % = 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
noteCoryell County, TX's typical asking rent rose 0.7% from $1,152 in August 2026 to $1,160 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.7% = (1160.1329196043869 - 1152.2755647471781) / 1152.2755647471781 × 100
- 1160.1329196043869 = Zillow ZORI, 2026-09
- 1152.2755647471781 = Zillow ZORI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Coryell County, TX is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 7 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.