Bandera County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.76, -99.25.
Assembled 2026-10-06. Read the brief.
- 76th pct · 723rd of 3,063 US counties · median $234,566
- 85th pct · 35th of 243 Texas counties · median $215,660
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median $327,528
- 8th pct · 2,808th of 3,063 US counties · median +2.9%
- 22nd pct · 189th of 243 Texas counties · median +0.0%
- 0th pct · 8th of 8 counties in the San Antonio-New Braunfels metro · median -1.5%
- 23rd pct · 1,067th of 1,399 US counties · median $1,496
- 15th pct · 90th of 106 Texas counties · median $1,483
- 0th pct · 8th of 8 counties in the San Antonio-New Braunfels metro · median $1,528
- 29th pct · 2,262nd of 3,221 US counties · median 8,232
- 37th pct · 158th of 254 Texas counties · median 6,022
- 0th pct · 8th of 8 counties in the San Antonio-New Braunfels metro · median 17,217
- 18th pct · 2,626th of 3,221 US counties · median $1,039
- 9th pct · 230th of 254 Texas counties · median $1,115
- 0th pct · 8th of 8 counties in the San Antonio-New Braunfels metro · median $1,227
- 89th pct · 327th of 3,063 US counties · median 4.3
- 95th pct · 11th of 243 Texas counties · median 3.6
- 71st pct · 3rd of 8 counties in the San Antonio-New Braunfels metro · median 6.5
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 $333,439 (Aug 2026), -2.6% over one year, +4.8% over five
- 76th pct · 723rd of 3,063 US counties · median $234,566
- 85th pct · 35th of 243 Texas counties · median $215,660
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median $327,528
| Item | Value | Distance |
|---|---|---|
| Bandera County, TX | $333,439 · -2.6% 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 #
Typical rent $1,218/mo (Aug 2026), n/a over one year; price-to-rent 22.8
- 23rd pct · 1,067th of 1,399 US counties · median $1,496
- 15th pct · 90th of 106 Texas counties · median $1,483
- 0th pct · 8th of 8 counties in the San Antonio-New Braunfels metro · median $1,528
| Item | Value | Distance |
|---|---|---|
| Bandera County, TX | $1,218/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 $1,825 a month on $333,439 at 7.28%, against an average weekly wage worth $3,883 a month: 47.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $333,439 × 80% = $266,751, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,825/mo principal and interest
- wage share = payment / (avg weekly wage $896 × 52 / 12 = $3,883) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $333,439 / ($896 × 52) = 7.2
- price-to-rent = $333,439 / ($1,218 × 12) = 22.8
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 #
3,723 jobs at 502 employers (2026 Q1); -1.3% jobs and +5.7% average weekly wage over the year
- 29th pct · 2,262nd of 3,221 US counties · median 8,232
- 37th pct · 158th of 254 Texas counties · median 6,022
- 0th pct · 8th of 8 counties in the San Antonio-New Braunfels metro · median 17,217
| Item | Value | Distance |
|---|---|---|
| Bandera County, TX | 3,723 jobs · $896/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 659 | $536 | 1.97 | -8.6% |
| Retail trade | 444 | $567 | 1.22 | +3.3% |
| Construction | 307 | $1,103 | 1.57 | -5.8% |
| Agriculture, forestry, fishing | 242 | $881 | 9.00 | -11.7% |
| Other services | 187 | $853 | 1.68 | +5.6% |
| Professional and technical services | 131 | $979 | 0.51 | -2.2% |
| Finance and insurance | 99 | $1,556 | 0.65 | -5.7% |
| Manufacturing | 69 | $1,260 | 0.23 | +30.2% |
| Arts, entertainment and recreation | 40 | $602 | 0.65 | +166.7% |
| Wholesale trade | 34 | $1,324 | 0.24 | +0.0% |
| Real estate and rental | 32 | $797 | 0.56 | +3.2% |
| Information | 23 | $1,795 | 0.34 | -8.0% |
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 #
90 % of conservation capacity, weighted over 7 TWDB reservoirs
Sites found: 13, 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 |
|---|---|---|
| Medina Lk nr San Antonio, TX | 73,390 Acre-ft (USGS, no capacity on file) | 39 km |
| Medina Lake | 29 % full · 255k ac-ft | 39 km |
| Canyon Lake | 98 % full · 379k ac-ft | 102 km |
| Lake L. B. Johnson | 99 % full · 113k ac-ft | 125 km |
| LCRA Lk LBJ nr Marble Falls, TX | 824.9 ft (USGS, no capacity on file) | 125 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 130 km |
| LCRA Lk Marble Falls nr Marble Falls, TX | 736.8 ft (USGS, no capacity on file) | 130 km |
| LCRA Lk Buchanan nr Burnet, TX | 1,019 ft (USGS, no capacity on file) | 136 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 #
60 gauges · 0 flooding · 8 with quality panels averaging 91 % · 12 stale
Sites found: 60, 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 |
|---|---|---|
| YP-69-51-606 (E. Uvalde 3) | temp 31.0 °C · quality 25 % (2) · STALE | 73 km |
| Medina Rv at Patterson Rd at Medina, TX | flow 23.9 ft³/s | 4 km |
| W Prong Medina Rv at Carpenter Ck Rd nr Medina, TX | stage 1.29 ft | 13 km |
| N Prong Medina Rv at Brewington Ck nr Medina, TX | stage 3.86 ft | 16 km |
| Medina Rv at Bandera, TX | flow 32.0 ft³/s · no flooding | 18 km |
| Hondo Ck nr Tarpley, TX | flow 5.64 ft³/s · no flooding | 21 km |
| Seco Ck at Miller Rh nr Utopia, TX | flow 4.76 ft³/s · no flooding | 25 km |
| Middle Verde Ck at SH 173 nr Bandera, TX | flow 0.00 ft³/s | 26 km |
| Medina Rv abv English Crsg nr Pipe Creek, TX | flow 50.7 ft³/s | 27 km |
| Guadalupe Rv nr Center Point, TX | flow 78.6 ft³/s | 29 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 #
25 wells in 3 named aquifers: Edwards-Trinity aquifer system, Other aquifers, Alluvial aquifers
Sites found: 25, 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 |
|---|---|---|
| Edwards-Trinity aquifer system | depth 118.7 ft · 2003-09-29 | 22 km |
| Edwards-Trinity aquifer system | depth 118.8 ft · 2004-08-04 | 26 km |
| Edwards-Trinity aquifer system | depth 197.1 ft · 2024-05-06 | 28 km |
| USGS-300019099075801 | depth 249.7 ft · 2004-09-29 | 30 km |
| USGS-295204099340201 | depth 248.8 ft · 2026-10-05 | 33 km |
| Edwards-Trinity aquifer system | depth 163.2 ft · 2004-06-14 | 35 km |
| Edwards-Trinity aquifer system | depth 250.4 ft · 2026-10-05 | 36 km |
| Edwards-Trinity aquifer system | depth 300.0 ft · 2025-09-15 | 38 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 #
low (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.10 + 0.2×0.09 / 0.85
Banks & federal dollars #
$345.8 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 2,797, highly concentrated. $237.0 m federal obligations in FY2026 (direct payments $234.5 m, grants $1.2 m), $63,662 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $119.9 m · 34.7% share · 1 office | |
| Prosperity Bank | $105.7 m · 30.6% share · 1 office | |
| Bandera Bank | $78.6 m · 22.7% share · 1 office | |
| Bandera, TX | $237.0 m FY2026 · $63,662/job | |
| MULTIPLE RECIPIENTS | $233.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $119,873,000 | 34.7% | 1 |
| Prosperity Bank | $105,664,000 | 30.6% | 1 |
| Bandera Bank | $78,597,000 | 22.7% | 1 |
| TXN Bank | $41,674,000 | 12.1% | 1 |
Deposit concentration is 2,797 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 34.7² + 30.6² + 22.7² + … (1 more) = 2,797
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 | $180,999,626 |
| Department of Veterans Affairs | $51,957,171 |
| Railroad Retirement Board | $1,238,120 |
| Department of Transportation | $1,204,273 |
| Department of State | $884,950 |
| Department of Agriculture | $476,069 |
| Federal Communications Commission | $237,478 |
| Department of Education | $16,323 |
| Small Business Administration | $0 |
| Department of the Interior | $0 |
That is $63,662 per covered job, against 3,723 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $237.0 m / 3,723 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $63,662
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 #
Bandera County, TX: 15 findings, 2 at a watch level and 13 noted
watchBandera County, TX's typical home value is -2.6% 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 2026-08.Show the arithmetic
- test: home.yoyPct = -2.5932476903845836 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchBandera County, TX's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteBandera County, TX's average weekly wage was 5.7% 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
- +5.7 % = 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
noteBandera County, TX's typical asking rent rose 2.1% from $1,192 in July 2026 to $1,218 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.1% = (1217.5 - 1192.3550769926662) / 1192.3550769926662 × 100
- 1217.5 = Zillow ZORI, 2026-08
- 1192.3550769926662 = Zillow ZORI, 2026-07
noteBandera County, TX's covered employment was 1.3% 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
- -1.3 % = 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
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.