Duval County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.68, -98.50.
Assembled 2026-10-19. Read the brief.
- 1st pct · 3,021st of 3,063 US counties · median $230,451
- 3rd pct · 235th of 243 Texas counties · median $207,861
- 1st pct · 3,028th of 3,062 US counties · median +2.9%
- 1st pct · 239th of 243 Texas counties · median +0.1%
- US counties: not published this period
- Texas counties: not published this period
- 29th pct · 2,257th of 3,221 US counties · median 8,232
- 38th pct · 156th of 254 Texas counties · median 6,022
- 7th pct · 2,977th of 3,221 US counties · median $1,039
- 2nd pct · 247th of 254 Texas counties · median $1,115
- 4th pct · 2,912th of 3,063 US counties · median 4.2
- 14th pct · 208th of 243 Texas counties · median 3.5
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 $86,206 (Sep 2026), -10.6% over one year, n/a over five
- 1st pct · 3,021st of 3,063 US counties · median $230,451
- 3rd pct · 235th of 243 Texas counties · median $207,861
| Item | Value | Distance |
|---|---|---|
| Duval County, TX | $86,206 · -10.6% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Texas counties: not published this period
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 $477 a month on $86,206 at 7.40%, against an average weekly wage worth $3,514 a month: 13.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $86,206 × 80% = $68,965, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $477/mo principal and interest
- wage share = payment / (avg weekly wage $811 × 52 / 12 = $3,514) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $86,206 / ($811 × 52) = 2.0
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 #
3,747 jobs at 195 employers (2026 Q1); +1.7% jobs and +2.4% average weekly wage over the year
- 29th pct · 2,257th of 3,221 US counties · median 8,232
- 38th pct · 156th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Duval County, TX | 3,747 jobs · $811/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,283 | $373 | 2.28 | +2.6% |
| Mining, oil and gas | 349 | $1,447 | 26.16 | -22.1% |
| Construction | 280 | $1,075 | 1.43 | +0.0% |
| Retail trade | 205 | $540 | 0.56 | +11.4% |
| Professional and technical services | 118 | $1,030 | 0.46 | +0.0% |
| Transportation and warehousing | 100 | $3,618 | 0.63 | +4.2% |
| Agriculture, forestry, fishing | 67 | $1,021 | 2.48 | -2.9% |
| Administrative and waste services | 54 | $918 | 0.25 | +0.0% |
| Manufacturing | 33 | $1,152 | 0.11 | +0.0% |
| Wholesale trade | 31 | $1,188 | 0.22 | -6.1% |
| Information | withheld | |||
| Finance and insurance | withheld |
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 #
27 % of conservation capacity, weighted over 3 TWDB reservoirs
Sites found: 5, 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 |
|---|---|---|
| Lk Corpus Christi nr Mathis, TX | 207,000 Acre-ft (USGS, no capacity on file) | 73 km |
| Lake Corpus Christi | 81 % full · 256k ac-ft | 73 km |
| Choke Canyon Reservoir | 21 % full · 663k ac-ft | 93 km |
| Choke Canyon Res nr Three Rivers, TX | 141,700 Acre-ft (USGS, no capacity on file) | 93 km |
| Falcon Reservoir | 21 % full · 1,562k ac-ft | 141 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 #
8 gauges · 0 flooding · 0 with quality panels
Sites found: 8, 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.
| Site | Reading | Distance |
|---|---|---|
| San Diego Ck at Alice, TX | flow 0.00 ft³/s | 43 km |
| San Fernando Ck at Alice, TX | flow 1.85 ft³/s | 47 km |
| San Casimiro Ck nr Freer, TX | flow 0.00 ft³/s | 56 km |
| Lagarto Ck nr George West, TX | flow 0.00 ft³/s | 58 km |
| Los Olmos Ck nr Falfurrias, TX | flow 0.00 ft³/s | 58 km |
| Tranquitas Ck at Kingsville, TX | flow 0.70 ft³/s | 64 km |
| Nueces Rv nr Tilden, TX | flow 58.8 ft³/s | 70 km |
| Nueces Rv nr Mathis, TX | flow 41.0 ft³/s | 74 km |
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 #
1 wells in 1 named aquifer: Coastal lowlands aquifer system
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| Coastal lowlands aquifer system | depth 60.8 ft · 2026-10-18 | 40 km |
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 #
high (0.61)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.73 / 0.65
Banks & federal dollars #
$135.7 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,086, highly concentrated. $109.8 m federal obligations in FY2026 (direct payments $59.2 m, grants $50.3 m), $29,312 per covered job
| Item | Value | Distance |
|---|---|---|
| First State Bank of San Diego | $61.9 m · 45.6% share · 1 office | |
| Freedom Bank | $58.9 m · 43.4% share · 2 offices | |
| Texas Champion Bank | $14.9 m · 11.0% share · 1 office | |
| Duval, TX | $109.8 m FY2026 · $29,312/job | |
| MULTIPLE RECIPIENTS | $55.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First State Bank of San Diego | $61,915,000 | 45.6% | 1 |
| Freedom Bank | $58,893,000 | 43.4% | 2 |
| Texas Champion Bank | $14,889,000 | 11.0% | 1 |
Deposit concentration is 4,086 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 45.6² + 43.4² + 11.0² = 4,086
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 Transportation | $49,889,313 |
| Social Security Administration | $48,862,884 |
| Department of Veterans Affairs | $6,722,073 |
| Department of Agriculture | $1,786,254 |
| Department of Housing and Urban Development | $1,295,726 |
| Federal Communications Commission | $762,653 |
| Railroad Retirement Board | $215,090 |
| Department of Defense | $98,998 |
| Department of Health and Human Services | $75,000 |
| Small Business Administration | $63,735 |
| Department of Homeland Security | $49,865 |
| Department of Education | $11,502 |
That is $29,312 per covered job, against 3,747 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $109.8 m / 3,747 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,312
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 #
Duval County, TX: 15 findings, 1 at an alert level, 2 at a watch level and 12 noted
alertDuval County, TX's typical home value is -10.6% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, 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 = -10.560366057927206 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchDuval County, TX's typical home value is -10.6% 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 = -10.560366057927206 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchDuval County, TX's typical home value is -1.8% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, 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.momPct = -1.7748449741895334 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteDuval County, TX's average weekly wage was 2.4% 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
- +2.4 % = 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
noteDuval County, TX's typical home value fell 1.8% from $87,764 in August 2026 to $86,206 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -1.8% = (86206.10213080629 - 87763.77304587002) / 87763.77304587002 × 100
- 86206.10213080629 = Zillow ZHVI, 2026-09
- 87763.77304587002 = Zillow ZHVI, 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.