Palo Pinto County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.75, -98.32.
Assembled 2026-10-21. Read the brief.
- 66th pct · 1,032nd of 3,063 US counties · median $230,451
- 78th pct · 53rd of 243 Texas counties · median $207,861
- 23rd pct · 2,328th of 3,062 US counties · median +2.9%
- 53rd pct · 114th of 243 Texas counties · median +0.1%
- 33rd pct · 906th of 1,358 US counties · median $1,506
- 34th pct · 65th of 98 Texas counties · median $1,449
- 50th pct · 1,584th of 3,221 US counties · median 8,232
- 59th pct · 103rd of 254 Texas counties · median 6,022
- 29th pct · 2,267th of 3,221 US counties · median $1,039
- 18th pct · 206th of 254 Texas counties · median $1,115
- 76th pct · 724th of 3,063 US counties · median 4.2
- 87th pct · 31st 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 #
Rents #
Jobs and wages #
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: 37, 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 |
|---|---|---|
| Lake Palo Pinto | 74 % full · 27k ac-ft | 12 km |
| Possum Kingdom Lake | 91 % full · 538k ac-ft | 17 km |
| Lake Mineral Wells | 85 % full · 5k ac-ft | 27 km |
| Lake Graham | 67 % full · 45k ac-ft | 51 km |
| Leon Reservoir | 75 % full · 28k ac-ft | 55 km |
| Lost Creek Reservoir | 88 % full · 12k ac-ft | 58 km |
| Lake Weatherford | 60 % full · 18k ac-ft | 60 km |
| Hubbard Creek Reservoir | 36 % full · 313k ac-ft | 61 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 (0.22)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.19 / 0.65
Banks & federal dollars #
$1.5 bn in deposits at 11 offices of 7 banks (SOD June 2026); HHI 3,230, highly concentrated. $184.2 m federal obligations in FY2026 (direct payments $181.4 m, contracts $3.3 m), $21,770 per covered job
| Item | Value | Distance |
|---|---|---|
| Titan Bank, N.A. | $771.5 m · 51.0% share · 1 office | |
| First Financial Bank | $288.5 m · 19.1% share · 1 office | |
| Clear Fork Bank, National Association | $154.1 m · 10.2% share · 2 offices | |
| Palo Pinto, TX | $184.2 m FY2026 · $21,770/job | |
| MULTIPLE RECIPIENTS | $177.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Titan Bank, N.A. | $771,503,000 | 51.0% | 1 |
| First Financial Bank | $288,496,000 | 19.1% | 1 |
| Clear Fork Bank, National Association | $154,126,000 | 10.2% | 2 |
| Community National Bank & Trust of Texas | $140,363,000 | 9.3% | 3 |
| Simmons Bank | $128,589,000 | 8.5% | 2 |
| Graham Savings and Loan, SSB | $22,473,000 | 1.5% | 1 |
| First National Bank Texas | $6,922,000 | 0.5% | 1 |
Deposit concentration is 3,230 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 51.0² + 19.1² + 10.2² + … (4 more) = 3,230
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 | $154,065,264 |
| Department of Veterans Affairs | $23,062,040 |
| Department of Defense | $2,233,900 |
| Department of Housing and Urban Development | $1,880,591 |
| Department of Agriculture | $1,154,239 |
| Federal Communications Commission | $1,037,278 |
| Railroad Retirement Board | $973,375 |
| Department of Homeland Security | $284,522 |
| Department of Education | $85,276 |
| Department of Justice | $52,450 |
| Small Business Administration | $0 |
| Department of Transportation | -$612,780 |
That is $21,770 per covered job, against 8,462 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $184.2 m / 8,462 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,770
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 | 16.54 | 2026-10-20 | -4.9% |
| 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 | 2026-10-21 | +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 | 5.00 | 2026-10-20 | -28.6% |
| 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 | unavailable | not published | |
| 30-year fixed mortgage rate · % | unavailable | not published | |
| Housing starts, annual rate · thousands of units | unavailable | not published | |
| Building permits, annual rate · thousands of units | unavailable | not published | |
| Case-Shiller US home price index · index, Jan 2000 = 100 | unavailable | not published | |
| Unemployment rate · % | unavailable | not published | |
| US goods and services trade balance, monthly · $ millions | unavailable | not published | |
| Retail sales excluding food services, monthly · $ millions | unavailable | not published |
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 #
Palo Pinto County, TX: 7 findings, 2 at a watch level and 5 noted
watchPalo Pinto County, TX's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPalo Pinto County, TX's typical asking rent rose 3.1% from $1,288 in August 2026 to $1,328 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +3.1% = (1327.7777777777776 - 1287.704935635351) / 1287.704935635351 × 100
- 1327.7777777777776 = Zillow ZORI, 2026-09
- 1287.704935635351 = Zillow ZORI, 2026-08
notePalo Pinto County, TX's average weekly wage was 2.6% 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
- +2.6 % = 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
notePalo Pinto County, TX's covered employment was 0.5% 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
- -0.5 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Palo Pinto 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.