Burnet County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.79, -98.20.
Assembled 2026-10-06. Read the brief.
- 88th pct · 359th of 3,063 US counties · median $234,566
- 95th pct · 12th of 243 Texas counties · median $215,660
- 9th pct · 2,764th of 3,063 US counties · median +2.9%
- 26th pct · 178th of 243 Texas counties · median +0.0%
- 53rd pct · 653rd of 1,399 US counties · median $1,496
- 60th pct · 43rd of 106 Texas counties · median $1,483
- 68th pct · 1,027th of 3,221 US counties · median 8,232
- 74th pct · 65th of 254 Texas counties · median 6,022
- 70th pct · 935th of 3,221 US counties · median $1,039
- 57th pct · 108th of 254 Texas counties · median $1,115
- 88th pct · 352nd of 3,063 US counties · median 4.3
- 95th pct · 13th 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 $422,663 (Aug 2026), -2.2% over one year, +6.8% over five
- 88th pct · 359th of 3,063 US counties · median $234,566
- 95th pct · 12th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Burnet County, TX | $422,663 · -2.2% 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 #
Typical rent $1,531/mo (Aug 2026), -0.3% over one year; price-to-rent 23.0
- 53rd pct · 653rd of 1,399 US counties · median $1,496
- 60th pct · 43rd of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Burnet County, TX | $1,531/mo · -0.3% 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 $2,314 a month on $422,663 at 7.28%, against an average weekly wage worth $5,005 a month: 46.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $422,663 × 80% = $338,130, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,314/mo principal and interest
- wage share = payment / (avg weekly wage $1,155 × 52 / 12 = $5,005) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $422,663 / ($1,155 × 52) = 7.0
- price-to-rent = $422,663 / ($1,531 × 12) = 23.0
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 #
17,288 jobs at 1,709 employers (2026 Q1); +1.2% jobs and +6.4% average weekly wage over the year
- 68th pct · 1,027th of 3,221 US counties · median 8,232
- 74th pct · 65th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Burnet County, TX | 17,288 jobs · $1,155/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,482 | $808 | 1.47 | -4.5% |
| Health care and social assistance | 2,156 | $1,404 | 0.83 | -0.1% |
| Accommodation and food services | 1,941 | $541 | 1.25 | -0.8% |
| Construction | 1,765 | $1,210 | 1.95 | -13.2% |
| Wholesale trade | 677 | $1,776 | 1.02 | -2.9% |
| Professional and technical services | 612 | $1,303 | 0.51 | -1.4% |
| Other services | 558 | $793 | 1.08 | -3.8% |
| Administrative and waste services | 545 | $976 | 0.55 | -7.0% |
| Real estate and rental | 497 | $1,103 | 1.88 | -4.2% |
| Finance and insurance | 396 | $1,765 | 0.56 | +6.5% |
| Mining, oil and gas | 248 | $1,857 | 4.03 | -6.4% |
| Arts, entertainment and recreation | 166 | $972 | 0.58 | +21.2% |
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 #
95 % of conservation capacity, weighted over 16 TWDB reservoirs
Sites found: 22, 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 |
|---|---|---|
| LCRA Inks Lk nr Kingsland, TX | 886.9 ft (USGS, no capacity on file) | 19 km |
| Inks Lake | 94 % full · 14k ac-ft | 19 km |
| Lake Buchanan | 96 % full · 867k ac-ft | 21 km |
| LCRA Lk Buchanan nr Burnet, TX | 1,019 ft (USGS, no capacity on file) | 21 km |
| LCRA Lk Marble Falls nr Marble Falls, TX | 736.8 ft (USGS, no capacity on file) | 27 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 27 km |
| LCRA Lk LBJ nr Marble Falls, TX | 824.8 ft (USGS, no capacity on file) | 29 km |
| Lake L. B. Johnson | 98 % full · 113k ac-ft | 29 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 #
73 gauges · 0 flooding · 2 with quality panels averaging 95 % · 4 stale
Sites found: 73, 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 |
|---|---|---|
| Felps Spgs nr Burnet, TX | flow 0.31 ft³/s · STALE | 8 km |
| S Fk Rocky Ck nr Briggs, TX | flow 0.79 ft³/s | 21 km |
| N Fk San Gabriel Rv at FM 243 nr Briggs, TX | stage 5.43 ft | 23 km |
| S Fk San Gabriel Rv at SH 1869 nr Liberty Hill, TX | stage 4.19 ft | 29 km |
| N Fk San Gabriel Rv at Reagan Blvd nr Leander, TX | flow 11.4 ft³/s | 35 km |
| Berry Creek near Florence, TX | no readings | 36 km |
| Sandy Ck nr Kingsland, TX | flow 38.1 ft³/s · no flooding | 37 km |
| Lampasas Rv nr Kempner, TX | flow 34.0 ft³/s · no flooding | 37 km |
| S Fk San Gabriel Rv at Hwy 183 nr Leander, TX | stage 851.9 ft | 38 km |
| Llano Rv at Llano, TX | flow 975.0 ft³/s · no flooding | 45 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-303132097533401 | depth 194.1 ft · 2004-09-29 | 42 km |
| USGS-301356097473301 | depth 232.9 ft · 2004-09-29 | 73 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 (0.13)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.05 + 0.2×0.05 / 0.85
Banks & federal dollars #
$1.7 bn in deposits at 21 offices of 15 banks (SOD June 2026); HHI 1,278, moderately concentrated. $439.2 m federal obligations in FY2026 (direct payments $409.9 m, grants $25.4 m), $25,403 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank and Trust Company | $348.3 m · 21.1% share · 1 office | |
| Security State Bank & Trust | $320.4 m · 19.4% share · 1 office | |
| First State Bank of Burnet | $226.6 m · 13.7% share · 2 offices | |
| Burnet, TX | $439.2 m FY2026 · $25,403/job | |
| MULTIPLE RECIPIENTS | $395.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank and Trust Company | $348,251,000 | 21.1% | 1 |
| Security State Bank & Trust | $320,424,000 | 19.4% | 1 |
| First State Bank of Burnet | $226,625,000 | 13.7% | 2 |
| The Huntington National Bank | $159,154,000 | 9.6% | 3 |
| Wells Fargo Bank, National Association | $136,275,000 | 8.3% | 1 |
| R Bank | $116,839,000 | 7.1% | 1 |
| Llano National Bank | $62,494,000 | 3.8% | 2 |
| Rio Bank | $56,926,000 | 3.4% | 1 |
| The Commercial National Bank of Brady | $52,312,000 | 3.2% | 3 |
| PNC Bank, National Association | $49,400,000 | 3.0% | 1 |
Deposit concentration is 1,278 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 21.1² + 19.4² + 13.7² + … (12 more) = 1,278
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 | $351,202,925 |
| Department of Veterans Affairs | $42,816,521 |
| Department of Housing and Urban Development | $11,007,344 |
| Department of Transportation | $10,031,863 |
| Department of Agriculture | $6,894,560 |
| Environmental Protection Agency | $6,620,683 |
| Department of Energy | $5,736,798 |
| Railroad Retirement Board | $1,672,090 |
| Department of the Interior | $1,559,859 |
| Federal Communications Commission | $1,145,632 |
| Department of Defense | $343,358 |
| Small Business Administration | $132,752 |
That is $25,403 per covered job, against 17,288 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $439.2 m / 17,288 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,403
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Burnet County, TX: 11 findings, 1 at a watch level and 10 noted
watchBurnet County, TX's typical home value is -2.2% 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 = -2.154386706907153 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteBurnet County, TX's average weekly wage was 6.4% 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
- +6.4 % = 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
noteBurnet County, TX's covered employment was 1.2% 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
- +1.2 % = 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
noteBurnet County, TX's typical asking rent fell 0.7% from $1,542 in July 2026 to $1,531 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.7% = (1531.2164602683179 - 1541.842588874002) / 1541.842588874002 × 100
- 1531.2164602683179 = Zillow ZORI, 2026-08
- 1541.842588874002 = Zillow ZORI, 2026-07
noteBurnet County, TX's typical home value fell 0.3% from $423,898 in July 2026 to $422,663 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (422662.6497745637 - 423897.557436614) / 423897.557436614 × 100
- 422662.6497745637 = Zillow ZHVI, 2026-08
- 423897.557436614 = Zillow ZHVI, 2026-07
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.