Denton County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.21, -97.12.
Assembled 2026-10-19. Read the brief.
- 89th pct · 324th of 3,063 US counties · median $230,451
- 96th pct · 9th of 243 Texas counties · median $207,861
- 80th pct · 3rd of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
- 7th pct · 2,839th of 3,062 US counties · median +2.9%
- 19th pct · 195th of 243 Texas counties · median +0.1%
- 20th pct · 9th of 11 counties in the Dallas-Fort Worth-Arlington metro · median -1.6%
- 63rd pct · 493rd of 1,358 US counties · median $1,506
- 85th pct · 15th of 98 Texas counties · median $1,449
- 60th pct · 5th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
- 97th pct · 96th of 3,221 US counties · median 8,232
- 97th pct · 8th of 254 Texas counties · median 6,022
- 70th pct · 4th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
- 88th pct · 371st of 3,221 US counties · median $1,039
- 80th pct · 51st of 254 Texas counties · median $1,115
- 70th pct · 4th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,215
- 80th pct · 613th of 3,063 US counties · median 4.2
- 88th pct · 28th of 243 Texas counties · median 3.5
- 70th pct · 4th 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 $432,421 (Sep 2026), -2.9% over one year, +10.7% over five
- 89th pct · 324th of 3,063 US counties · median $230,451
- 96th pct · 9th of 243 Texas counties · median $207,861
- 80th pct · 3rd of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
| Item | Value | Distance |
|---|---|---|
| Denton County, TX | $432,421 · -2.9% 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 $1,672/mo (Sep 2026), -0.8% over one year; price-to-rent 21.5
- 63rd pct · 493rd of 1,358 US counties · median $1,506
- 85th pct · 15th of 98 Texas counties · median $1,449
- 60th pct · 5th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
| Item | Value | Distance |
|---|---|---|
| Denton County, TX | $1,672/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 $2,395 a month on $432,421 at 7.40%, against an average weekly wage worth $5,954 a month: 40.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $432,421 × 80% = $345,936, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,395/mo principal and interest
- wage share = payment / (avg weekly wage $1,374 × 52 / 12 = $5,954) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $432,421 / ($1,374 × 52) = 6.1
- price-to-rent = $432,421 / ($1,672 × 12) = 21.5
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 #
317,833 jobs at 20,937 employers (2026 Q1); -0.4% jobs and +1.1% average weekly wage over the year
- 97th pct · 96th of 3,221 US counties · median 8,232
- 97th pct · 8th of 254 Texas counties · median 6,022
- 70th pct · 4th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
| Item | Value | Distance |
|---|---|---|
| Denton County, TX | 317,833 jobs · $1,374/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 37,187 | $971 | 1.20 | +0.9% |
| Health care and social assistance | 35,255 | $1,187 | 0.74 | +1.8% |
| Accommodation and food services | 34,351 | $497 | 1.20 | -1.7% |
| Construction | 21,851 | $1,667 | 1.31 | +11.4% |
| Professional and technical services | 20,486 | $2,051 | 0.93 | -5.0% |
| Manufacturing | 19,433 | $1,870 | 0.76 | +0.1% |
| Administrative and waste services | 19,173 | $1,148 | 1.06 | -0.3% |
| Transportation and warehousing | 19,006 | $1,171 | 1.42 | -0.4% |
| Wholesale trade | 17,279 | $2,098 | 1.42 | +1.3% |
| Finance and insurance | 12,828 | $3,272 | 0.99 | -14.8% |
| Other services | 8,954 | $999 | 0.94 | +1.6% |
| Real estate and rental | 5,619 | $1,415 | 1.15 | -2.9% |
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: 38, 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 |
|---|---|---|
| Ray Roberts Lake | 94 % full · 788k ac-ft | 18 km |
| Lewisville Lake | 83 % full · 563k ac-ft | 21 km |
| Grapevine Lake | 92 % full · 163k ac-ft | 27 km |
| Eagle Mountain Reservoir | 73 % full · 185k ac-ft | 49 km |
| Lake Worth | 67 % full · 24k ac-ft | 54 km |
| Lake Arlington | 82 % full · 40k ac-ft | 55 km |
| Mountain Creek Lake | 100 % full · 23k ac-ft | 55 km |
| Lavon Lake | 80 % full · 410k ac-ft | 63 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 (0.34)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.15 / 0.65
Banks & federal dollars #
$275.5 bn in deposits at 163 offices of 42 banks (SOD June 2026); HHI 6,782, highly concentrated. $4.5 bn federal obligations in FY2026 (direct payments $4.1 bn, grants $290.1 m), $14,300 per covered job
| Item | Value | Distance |
|---|---|---|
| Charles Schwab Bank, SSB | $225.2 bn · 81.8% share · 1 office | |
| Charles Schwab Premier Bank, SSB | $24.5 bn · 8.9% share · 1 office | |
| Charles Schwab Trust Bank | $9.7 bn · 3.5% share · 1 office | |
| Denton, TX | $4.5 bn FY2026 · $14,300/job | |
| MULTIPLE RECIPIENTS | $4.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Charles Schwab Bank, SSB | $225,247,000,000 | 81.8% | 1 |
| Charles Schwab Premier Bank, SSB | $24,456,000,000 | 8.9% | 1 |
| Charles Schwab Trust Bank | $9,677,383,000 | 3.5% | 1 |
| JPMorgan Chase Bank, National Association | $4,164,437,000 | 1.5% | 20 |
| Bank of America, National Association | $2,630,365,000 | 1.0% | 13 |
| Wells Fargo Bank, National Association | $2,149,087,000 | 0.8% | 17 |
| Pointbank | $968,349,000 | 0.4% | 9 |
| PNC Bank, National Association | $882,899,000 | 0.3% | 12 |
| SouthState Bank, National Association | $822,830,000 | 0.3% | 11 |
| First United Bank and Trust Company | $647,060,000 | 0.2% | 5 |
Deposit concentration is 6,782 across 42 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 42 banks with deposits in the county = 81.8² + 8.9² + 3.5² + … (39 more) = 6,782
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 | $3,221,432,931 |
| Department of Veterans Affairs | $685,957,558 |
| Department of Transportation | $234,445,775 |
| Department of Education | $168,426,000 |
| Department of Defense | $93,304,315 |
| Department of Health and Human Services | $65,244,777 |
| Department of Housing and Urban Development | $28,687,791 |
| Railroad Retirement Board | $16,640,821 |
| Federal Communications Commission | $10,696,761 |
| National Science Foundation | $7,417,595 |
| Department of Homeland Security | $7,086,269 |
| Department of Justice | $2,614,077 |
That is $14,300 per covered job, against 317,833 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.5 bn / 317,833 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,300
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 #
Denton County, TX: 15 findings, 2 at a watch level and 13 noted
watchDenton County, TX's typical home value is -2.9% 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 = -2.8742940087783717 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchDenton County, TX's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDenton County, TX's average weekly wage was 1.1% 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
- +1.1 % = 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
noteDenton County, TX's covered employment was 0.4% 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
- -0.4 % = 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
noteDenton County, TX's typical asking rent fell 0.3% from $1,678 in August 2026 to $1,672 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.3% = (1672.2608479876526 - 1677.9267580256842) / 1677.9267580256842 × 100
- 1672.2608479876526 = Zillow ZORI, 2026-09
- 1677.9267580256842 = Zillow ZORI, 2026-08
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.