Baylor County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.62, -99.21.
Assembled 2026-10-07. Read the brief.
- 12th pct · 2,681st of 3,063 US counties · median $234,566
- 18th pct · 198th of 243 Texas counties · median $215,660
- 99th pct · 17th of 3,063 US counties · median +2.9%
- 98th pct · 5th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 11th pct · 2,856th of 3,221 US counties · median 8,232
- 20th pct · 201st of 254 Texas counties · median 6,022
- 56th pct · 1,409th of 3,221 US counties · median $1,039
- 41st pct · 149th of 254 Texas counties · median $1,115
- 11th pct · 2,723rd of 3,063 US counties · median 4.3
- 24th pct · 184th 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 $141,553 (Aug 2026), +15.2% over one year, +4.1% over five
- 12th pct · 2,681st of 3,063 US counties · median $234,566
- 18th pct · 198th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Baylor County, TX | $141,553 · +15.2% 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 $775 a month on $141,553 at 7.28%, against an average weekly wage worth $4,628 a month: 16.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $141,553 × 80% = $113,243, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $775/mo principal and interest
- wage share = payment / (avg weekly wage $1,068 × 52 / 12 = $4,628) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $141,553 / ($1,068 × 52) = 2.5
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 #
1,491 jobs at 177 employers (2026 Q1); -3.4% jobs and +9.4% average weekly wage over the year
- 11th pct · 2,856th of 3,221 US counties · median 8,232
- 20th pct · 201st of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Baylor County, TX | 1,491 jobs · $1,068/wk · -3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 415 | $855 | 1.85 | +9.8% |
| Utilities | 221 | $2,002 | 37.53 | +0.0% |
| Retail trade | 119 | $525 | 0.82 | -10.5% |
| Manufacturing | 51 | $825 | 0.43 | +4.1% |
| Other services | 40 | $903 | 0.90 | -4.8% |
| Wholesale trade | 31 | $995 | 0.54 | -11.4% |
| Transportation and warehousing | 16 | $1,151 | 0.25 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Construction | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld |
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.
Water #
Banks & federal dollars #
$156.5 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,866, highly concentrated. $961,448 federal obligations in FY2026 (grants $961,202, loans $246), $645 per covered job
| Item | Value | Distance |
|---|---|---|
| InterBank | $79.6 m · 50.8% share · 1 office | |
| Cornerstone Capital Bank, SSB | $47.9 m · 30.6% share · 1 office | |
| Herring Bank | $29.0 m · 18.5% share · 1 office | |
| Baylor, TX | $961,448 FY2026 · $645/job | |
| MULTIPLE RECIPIENTS | $21.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| InterBank | $79,561,000 | 50.8% | 1 |
| Cornerstone Capital Bank, SSB | $47,913,000 | 30.6% | 1 |
| Herring Bank | $29,031,000 | 18.5% | 1 |
Deposit concentration is 3,866 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 = 50.8² + 30.6² + 18.5² = 3,866
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 | $19,393,233 |
| Department of Veterans Affairs | $2,206,640 |
| Department of Housing and Urban Development | $929,806 |
| Railroad Retirement Board | $168,672 |
| Department of Agriculture | $108,360 |
| Department of Education | $31,396 |
| Federal Communications Commission | $15,389 |
That is $645 per covered job, against 1,491 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $961,448 / 1,491 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $645
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 | 3.00 | 2026-10-06 | -50.0% |
| 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 | 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 #
Baylor County, TX: 10 findings, 1 at an alert level, 2 at a watch level and 7 noted
alertBaylor County, TX's covered employment is -3.4% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -3.4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchBaylor County, TX's covered employment is -3.4% 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 = -3.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBaylor County, TX's typical home value is +15.2% against a year earlier, a watch level here: typical home value at least 15 percent above a year ago (arithmetic on Zillow ZHVI, county and metro files; 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 2026-08.Show the arithmetic
- test: home.yoyPct = 15.200529353744416 >= 15
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
noteBaylor County, TX's average weekly wage was 9.4% 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
- +9.4 % = 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
noteBaylor County, TX's covered employment was 3.4% 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
- -3.4 % = 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 10 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.