Andrews County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.31, -102.64.
Assembled 2026-10-06. Read the brief.
- 61st pct · 1,191st of 3,063 US counties · median $234,566
- 70th pct · 72nd of 243 Texas counties · median $215,660
- 85th pct · 440th of 3,063 US counties · median +2.9%
- 89th pct · 27th of 243 Texas counties · median +0.0%
- 28th pct · 1,001st of 1,399 US counties · median $1,496
- 20th pct · 85th of 106 Texas counties · median $1,483
- 48th pct · 1,656th of 3,221 US counties · median 8,232
- 56th pct · 110th of 254 Texas counties · median 6,022
- 94th pct · 179th of 3,221 US counties · median $1,039
- 88th pct · 30th of 254 Texas counties · median $1,115
- 26th pct · 2,263rd of 3,063 US counties · median 4.3
- 42nd pct · 139th of 243 Texas counties · median 3.6
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 $267,540 (Aug 2026), +6.9% over one year, +10.5% over five
- 61st pct · 1,191st of 3,063 US counties · median $234,566
- 70th pct · 72nd of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Andrews County, TX | $267,540 · +6.9% 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 $1,274/mo (Aug 2026), n/a over one year; price-to-rent 17.5
- 28th pct · 1,001st of 1,399 US counties · median $1,496
- 20th pct · 85th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Andrews County, TX | $1,274/mo · n/a 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 $1,464 a month on $267,540 at 7.28%, against an average weekly wage worth $6,873 a month: 21.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $267,540 × 80% = $214,032, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,464/mo principal and interest
- wage share = payment / (avg weekly wage $1,586 × 52 / 12 = $6,873) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $267,540 / ($1,586 × 52) = 3.2
- price-to-rent = $267,540 / ($1,274 × 12) = 17.5
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 #
7,766 jobs at 526 employers (2026 Q1); +0.1% jobs and +3.8% average weekly wage over the year
- 48th pct · 1,656th of 3,221 US counties · median 8,232
- 56th pct · 110th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Andrews County, TX | 7,766 jobs · $1,586/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 1,611 | $2,323 | 58.26 | -3.4% |
| Construction | 1,366 | $1,857 | 3.36 | +0.7% |
| Retail trade | 660 | $861 | 0.87 | +3.0% |
| Transportation and warehousing | 401 | $1,918 | 1.23 | +13.3% |
| Administrative and waste services | 352 | $1,771 | 0.80 | +18.9% |
| Wholesale trade | 226 | $1,900 | 0.76 | -1.7% |
| Other services | 209 | $1,299 | 0.90 | -6.7% |
| Real estate and rental | 203 | $1,659 | 1.70 | -9.4% |
| Finance and insurance | 166 | $2,382 | 0.52 | +10.7% |
| Manufacturing | 132 | $1,172 | 0.21 | +13.8% |
| Information | 51 | $1,465 | 0.36 | +8.5% |
| Agriculture, forestry, fishing | 8 | $763 | 0.14 | -11.1% |
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 #
31 % of conservation capacity, weighted over 2 TWDB reservoirs
Sites found: 3, 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 |
|---|---|---|
| Red Bluff Reservoir | 46 % full · 145k ac-ft | 128 km |
| Lk J. B. Thomas nr Vincent, TX | 39,840 Acre-ft (USGS, no capacity on file) | 144 km |
| Lake J.B. Thomas | 20 % full · 200k ac-ft | 144 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 #
No gauges within 75 km (descend below 1,500 km to load them)
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 #
1 wells in 0 named aquifers:
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 |
|---|---|---|
| USGS-362714103071201 | depth 176.4 ft · 2026-10-06 | 70 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 #
moderate (0.45)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.69 / 0.65
Banks & federal dollars #
$369.9 m in deposits at 4 offices of 2 banks (SOD June 2026); HHI 6,876, highly concentrated. $69.8 m federal obligations in FY2026 (direct payments $63.9 m, contracts $7.3 m), $8,990 per covered job
| Item | Value | Distance |
|---|---|---|
| The National Bank of Andrews | $298.2 m · 80.6% share · 3 offices | |
| American Momentum Bank | $71.7 m · 19.4% share · 1 office | |
| Andrews, TX | $69.8 m FY2026 · $8,990/job | |
| MULTIPLE RECIPIENTS | $63.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The National Bank of Andrews | $298,249,000 | 80.6% | 3 |
| American Momentum Bank | $71,678,000 | 19.4% | 1 |
Deposit concentration is 6,876 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 80.6² + 19.4² = 6,876
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 | $57,820,027 |
| Department of Energy | $7,308,793 |
| Department of Veterans Affairs | $5,569,694 |
| Department of Agriculture | $405,006 |
| Federal Communications Commission | $156,021 |
| Department of Transportation | -$1,441,186 |
That is $8,990 per covered job, against 7,766 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $69.8 m / 7,766 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,990
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Andrews County, TX: 6 findings, 6 noted
noteAndrews County, TX's average weekly wage was 3.8% 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
- +3.8 % = 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
noteAndrews County, TX's covered employment was 0.1% 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
- +0.1 % = 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
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Andrews County, TX could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteAndrews County, TX's average weekly wage of $1,586 ranks 179th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Andrews County, TX is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.