Bastrop County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.10, -97.31.
Assembled 2026-10-06. Read the brief.
- 79th pct · 615th of 3,063 US counties · median $234,566
- 88th pct · 29th of 243 Texas counties · median $215,660
- 25th pct · 4th of 5 counties in the Austin-Round Rock-San Marcos metro · median $367,644
- 4th pct · 2,921st of 3,063 US counties · median +2.9%
- 9th pct · 219th of 243 Texas counties · median +0.0%
- 50th pct · 3rd of 5 counties in the Austin-Round Rock-San Marcos metro · median -4.6%
- 68th pct · 441st of 1,399 US counties · median $1,496
- 87th pct · 14th of 106 Texas counties · median $1,483
- 100th pct · 1st of 5 counties in the Austin-Round Rock-San Marcos metro · median $1,633
- 74th pct · 817th of 3,221 US counties · median 8,232
- 81st pct · 48th of 254 Texas counties · median 6,022
- 25th pct · 4th of 5 counties in the Austin-Round Rock-San Marcos metro · median 99,377
- 56th pct · 1,389th of 3,221 US counties · median $1,039
- 43rd pct · 144th of 254 Texas counties · median $1,115
- 0th pct · 5th of 5 counties in the Austin-Round Rock-San Marcos metro · median $1,120
- 82nd pct · 528th of 3,063 US counties · median 4.3
- 90th pct · 23rd of 243 Texas counties · median 3.6
- 75th pct · 2nd of 5 counties in the Austin-Round Rock-San Marcos metro · median 4.9
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 $354,880 (Aug 2026), -4.6% over one year, +2.2% over five
- 79th pct · 615th of 3,063 US counties · median $234,566
- 88th pct · 29th of 243 Texas counties · median $215,660
- 25th pct · 4th of 5 counties in the Austin-Round Rock-San Marcos metro · median $367,644
| Item | Value | Distance |
|---|---|---|
| Bastrop County, TX | $354,880 · -4.6% 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 $1,733/mo (Aug 2026), -0.5% over one year; price-to-rent 17.1
- 68th pct · 441st of 1,399 US counties · median $1,496
- 87th pct · 14th of 106 Texas counties · median $1,483
- 100th pct · 1st of 5 counties in the Austin-Round Rock-San Marcos metro · median $1,633
| Item | Value | Distance |
|---|---|---|
| Bastrop County, TX | $1,733/mo · -0.5% 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 $1,943 a month on $354,880 at 7.28%, against an average weekly wage worth $4,641 a month: 41.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $354,880 × 80% = $283,904, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,943/mo principal and interest
- wage share = payment / (avg weekly wage $1,071 × 52 / 12 = $4,641) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $354,880 / ($1,071 × 52) = 6.4
- price-to-rent = $354,880 / ($1,733 × 12) = 17.1
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 #
24,290 jobs at 1,882 employers (2026 Q1); +4.3% jobs and +2.2% average weekly wage over the year
- 74th pct · 817th of 3,221 US counties · median 8,232
- 81st pct · 48th of 254 Texas counties · median 6,022
- 25th pct · 4th of 5 counties in the Austin-Round Rock-San Marcos metro · median 99,377
| Item | Value | Distance |
|---|---|---|
| Bastrop County, TX | 24,290 jobs · $1,071/wk · +4.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 4,133 | $785 | 1.75 | -0.3% |
| Accommodation and food services | 3,726 | $539 | 1.71 | +7.0% |
| Health care and social assistance | 2,144 | $1,019 | 0.59 | +1.9% |
| Construction | 1,920 | $1,299 | 1.51 | -7.7% |
| Manufacturing | 1,614 | $1,625 | 0.83 | +2.2% |
| Administrative and waste services | 754 | $1,134 | 0.55 | +10.7% |
| Professional and technical services | 744 | $2,026 | 0.44 | +0.8% |
| Other services | 694 | $938 | 0.96 | +3.1% |
| Finance and insurance | 557 | $1,973 | 0.56 | +0.2% |
| Transportation and warehousing | 510 | $839 | 0.50 | +22.3% |
| Agriculture, forestry, fishing | 384 | $945 | 2.19 | +81.1% |
| Arts, entertainment and recreation | 308 | $437 | 0.77 | +14.9% |
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 #
Surface water layer not loaded
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 |
|---|---|---|
| Lake Austin | 97 % full · 24k ac-ft | 52 km |
| Lake Travis | 95 % full · 1,098k ac-ft | 66 km |
| Granger Lake | 100 % full · 52k ac-ft | 66 km |
| Lake Georgetown | 80 % full · 38k ac-ft | 75 km |
| Somerville Lake | 91 % full · 150k ac-ft | 79 km |
| Canyon Lake | 98 % full · 379k ac-ft | 89 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 104 km |
| Stillhouse Hollow Lake | 98 % full · 230k ac-ft | 105 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 #
moderate (0.29)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.04 / 0.65
Banks & federal dollars #
$2.2 bn in deposits at 21 offices of 11 banks (SOD June 2026); HHI 3,091, highly concentrated. $562.1 m federal obligations in FY2026 (direct payments $531.2 m, grants $20.8 m), $23,139 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of Bastrop | $1.0 bn · 46.9% share · 6 offices | |
| Frontier Bank of Texas | $580.5 m · 26.2% share · 3 offices | |
| Prosperity Bank | $253.2 m · 11.4% share · 4 offices | |
| Bastrop, TX | $562.1 m FY2026 · $23,139/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of Bastrop | $1,040,607,000 | 46.9% | 6 |
| Frontier Bank of Texas | $580,478,000 | 26.2% | 3 |
| Prosperity Bank | $253,163,000 | 11.4% | 4 |
| Wells Fargo Bank, National Association | $166,261,000 | 7.5% | 1 |
| Frost Bank | $58,143,000 | 2.6% | 1 |
| Cornerstone Capital Bank, SSB | $52,206,000 | 2.4% | 1 |
| The Huntington National Bank | $19,521,000 | 0.9% | 1 |
| Classic Bank, National Association | $18,835,000 | 0.8% | 1 |
| Woodforest National Bank | $12,211,000 | 0.6% | 1 |
| VeraBank, National Association | $8,222,000 | 0.4% | 1 |
Deposit concentration is 3,091 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 46.9² + 26.2² + 11.4² + … (8 more) = 3,091
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 #
That is $23,139 per covered job, against 24,290 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $562.1 m / 24,290 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,139
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 #
Bastrop County, TX: 14 findings, 1 at a watch level and 13 noted
watchBastrop County, TX's typical home value is -4.6% 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 = -4.649344811549591 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteBastrop County, TX's covered employment was 4.3% 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
- +4.3 % = 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
noteBastrop County, TX's average weekly wage was 2.2% 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
- +2.2 % = 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
noteBastrop County, TX's typical asking rent fell 0.9% from $1,749 in July 2026 to $1,733 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.9% = (1733.2290392648285 - 1749.3414062561799) / 1749.3414062561799 × 100
- 1733.2290392648285 = Zillow ZORI, 2026-08
- 1749.3414062561799 = Zillow ZORI, 2026-07
noteBastrop County, TX's typical home value fell 0.4% from $356,172 in July 2026 to $354,880 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.4% = (354879.7398199504 - 356172.47492111963) / 356172.47492111963 × 100
- 354879.7398199504 = Zillow ZHVI, 2026-08
- 356172.47492111963 = Zillow ZHVI, 2026-07
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.