Somervell County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.22, -97.77.
Assembled 2026-10-21. Read the brief.
- 87th pct · 392nd of 3,063 US counties · median $230,451
- 94th pct · 14th of 243 Texas counties · median $207,861
- 30th pct · 2,128th of 3,062 US counties · median +2.9%
- 59th pct · 99th of 243 Texas counties · median +0.1%
- US counties: not published this period
- Texas counties: not published this period
- 30th pct · 2,242nd of 3,221 US counties · median 8,232
- 39th pct · 154th of 254 Texas counties · median 6,022
- 96th pct · 99th of 3,221 US counties · median $1,039
- 93rd pct · 17th of 254 Texas counties · median $1,115
- 54th pct · 1,391st of 3,063 US counties · median 4.2
- 73rd pct · 66th 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 $408,550 (Sep 2026), +1.1% over one year, +22.3% over five
- 87th pct · 392nd of 3,063 US counties · median $230,451
- 94th pct · 14th of 243 Texas counties · median $207,861
| Item | Value | Distance |
|---|---|---|
| Somervell County, TX | $408,550 · +1.1% 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 $2,263 a month on $408,550 at 7.40%, against an average weekly wage worth $7,674 a month: 29.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $408,550 × 80% = $326,840, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,263/mo principal and interest
- wage share = payment / (avg weekly wage $1,771 × 52 / 12 = $7,674) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $408,550 / ($1,771 × 52) = 4.4
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 #
3,830 jobs at 282 employers (2026 Q1); -0.9% jobs and -2.7% average weekly wage over the year
- 30th pct · 2,242nd of 3,221 US counties · median 8,232
- 39th pct · 154th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Somervell County, TX | 3,830 jobs · $1,771/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 620 | $590 | 1.80 | -5.9% |
| Health care and social assistance | 313 | $1,108 | 0.54 | +3.3% |
| Construction | 241 | $1,960 | 1.20 | -24.9% |
| Retail trade | 226 | $493 | 0.61 | -1.3% |
| Other services | 169 | $834 | 1.48 | -4.0% |
| Educational services | 133 | $773 | 1.61 | +0.8% |
| Mining, oil and gas | 130 | $2,083 | 9.53 | -1.5% |
| Arts, entertainment and recreation | 123 | $215 | 1.95 | +156.2% |
| Professional and technical services | 75 | $1,065 | 0.28 | -6.2% |
| Manufacturing | 71 | $907 | 0.23 | -4.1% |
| Transportation and warehousing | 58 | $1,105 | 0.36 | -1.7% |
| Real estate and rental | 29 | $906 | 0.49 | -14.7% |
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: 36, 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 |
|---|---|---|
| Comanche Creek Reservoir | 100 % full · 151k ac-ft | 9 km |
| Lake Granbury | 88 % full · 133k ac-ft | 19 km |
| Lake Pat Cleburne | 88 % full · 26k ac-ft | 34 km |
| Whitney Lake | 91 % full · 565k ac-ft | 54 km |
| Benbrook Lake | 74 % full · 86k ac-ft | 57 km |
| Lake Weatherford | 60 % full · 18k ac-ft | 62 km |
| Aquilla Lake | 82 % full · 43k ac-ft | 64 km |
| Lake Palo Pinto | 74 % full · 27k ac-ft | 67 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 (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.15 / 0.65
Banks & federal dollars #
$388.5 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,344, highly concentrated. $67.0 m federal obligations in FY2026 (direct payments $64.8 m, contracts $1.6 m), $17,499 per covered job
| Item | Value | Distance |
|---|---|---|
| InterBank | $210.4 m · 54.2% share · 1 office | |
| First Financial Bank | $141.1 m · 36.3% share · 1 office | |
| Prosperity Bank | $37.0 m · 9.5% share · 1 office | |
| Somervell, TX | $67.0 m FY2026 · $17,499/job | |
| MULTIPLE RECIPIENTS | $64.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| InterBank | $210,416,000 | 54.2% | 1 |
| First Financial Bank | $141,098,000 | 36.3% | 1 |
| Prosperity Bank | $36,957,000 | 9.5% | 1 |
Deposit concentration is 4,344 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 = 54.2² + 36.3² + 9.5² = 4,344
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 | $56,863,258 |
| Department of Veterans Affairs | $8,600,350 |
| Railroad Retirement Board | $585,215 |
| Institute of Museum and Library Services | $581,467 |
| Department of Agriculture | $445,963 |
| Small Business Administration | $0 |
| Department of Transportation | -$53,865 |
That is $17,499 per covered job, against 3,830 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $67.0 m / 3,830 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,499
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 | 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 #
Somervell County, TX: 11 findings, 2 at a watch level and 9 noted
watchSomervell County, TX's average weekly wage is -2.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -2.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchSomervell County, TX's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteSomervell County, TX's average weekly wage was 2.7% 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
- -2.7 % = 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
noteSomervell County, TX's covered employment was 0.9% 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
- -0.9 % = 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
noteSomervell County, TX's typical home value rose 0.3% from $407,218 in August 2026 to $408,550 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (408549.9687481898 - 407217.85652769386) / 407217.85652769386 × 100
- 408549.9687481898 = Zillow ZHVI, 2026-09
- 407217.85652769386 = Zillow ZHVI, 2026-08
Read all 11 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.