Callahan County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.29, -99.37.
Assembled 2026-10-06. Read the brief.
- 46th pct · 1,654th of 3,063 US counties · median $234,566
- 54th pct · 110th of 243 Texas counties · median $215,660
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
- 87th pct · 385th of 3,063 US counties · median +2.9%
- 90th pct · 23rd of 243 Texas counties · median +0.0%
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Texas counties: not published this period
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
- 27th pct · 2,347th of 3,221 US counties · median 8,232
- 37th pct · 160th of 254 Texas counties · median 6,022
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
- 49th pct · 1,619th of 3,221 US counties · median $1,039
- 34th pct · 166th of 254 Texas counties · median $1,115
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
- 47th pct · 1,600th of 3,063 US counties · median 4.3
- 63rd pct · 90th of 243 Texas counties · median 3.6
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
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 $224,720 (Aug 2026), +7.3% over one year, +9.2% over five
- 46th pct · 1,654th of 3,063 US counties · median $234,566
- 54th pct · 110th of 243 Texas counties · median $215,660
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Callahan County, TX | $224,720 · +7.3% 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
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
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 $1,230 a month on $224,720 at 7.28%, against an average weekly wage worth $4,498 a month: 27.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $224,720 × 80% = $179,776, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,230/mo principal and interest
- wage share = payment / (avg weekly wage $1,038 × 52 / 12 = $4,498) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $224,720 / ($1,038 × 52) = 4.2
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 #
3,332 jobs at 330 employers (2026 Q1); +13.0% jobs and +13.6% average weekly wage over the year
- 27th pct · 2,347th of 3,221 US counties · median 8,232
- 37th pct · 160th of 254 Texas counties · median 6,022
- counties in the Abilene metro: Rank context is unavailable: the manifest lists 3 counties in the Abilene metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Callahan County, TX | 3,332 jobs · $1,038/wk · +13.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 600 | $987 | 1.85 | +7.5% |
| Construction | 413 | $1,307 | 2.36 | +81.9% |
| Accommodation and food services | 291 | $355 | 0.97 | +0.0% |
| Utilities | 219 | $1,450 | 16.64 | +63.4% |
| Manufacturing | 124 | $1,221 | 0.46 | -12.1% |
| Wholesale trade | 117 | $1,660 | 0.92 | +37.6% |
| Professional and technical services | 83 | $1,134 | 0.36 | +25.8% |
| Transportation and warehousing | 79 | $1,589 | 0.56 | +8.2% |
| Finance and insurance | 73 | $2,542 | 0.54 | +23.7% |
| Real estate and rental | 58 | $1,367 | 1.14 | +9.4% |
| Administrative and waste services | 56 | $1,150 | 0.30 | +40.0% |
| Mining, oil and gas | 50 | $1,136 | 4.21 | -5.7% |
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 #
48 % of conservation capacity, weighted over 26 TWDB reservoirs
Sites found: 28, 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 Coleman | 78 % full · 38k ac-ft | 31 km |
| Lake Cisco | 43 % full · 29k ac-ft | 40 km |
| Fort Phantom Hill Reservoir | 67 % full · 70k ac-ft | 44 km |
| Lake Abilene | 8 % full · 8k ac-ft | 49 km |
| Hords Creek Lake | 45 % full · 8k ac-ft | 54 km |
| Lake Brownwood | 88 % full · 131k ac-ft | 61 km |
| Leon Reservoir | 76 % full · 28k ac-ft | 66 km |
| Hubbard Creek Reservoir | 36 % full · 313k ac-ft | 71 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 #
29 gauges · 0 flooding · 0 with quality panels · 1 stale
Sites found: 29, 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 |
|---|---|---|
| West Central Texas Lakes at Lake Coleman | no flooding | 31 km |
| Deep Ck at Moran, TX | flow 0.00 ft³/s | 35 km |
| West Central Texas Lakes above Kirby Lake | no flooding | 35 km |
| Cedar Ck at IH 20, Abilene, TX | flow 0.02 ft³/s | 39 km |
| North Texas Lakes at Lake Cisco | no readings | 40 km |
| Cat Claw Ck at Abilene, TX | flow 0.05 ft³/s | 41 km |
| Elm Ck at Abilene, TX | flow 0.06 ft³/s | 42 km |
| Pecan Bayou nr Cross Cut, TX | flow 203.0 ft³/s · no flooding | 42 km |
| Elm Ck at FM 89 nr Buffalo Gap, TX | stage 3.45 ft | 44 km |
| Little Elm Ck at Dub Wright Blvd, Abilene, TX | stage 9.27 ft · STALE | 44 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 #
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 #
high (0.51)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.52 / 0.65
Banks & federal dollars #
$261.6 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 3,945, highly concentrated. $161.1 m federal obligations in FY2026 (direct payments $116.0 m, grants $45.0 m), $48,335 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $134.9 m · 51.6% share · 1 office | |
| First National Bank and Trust Company of Weatherford | $83.0 m · 31.7% share · 2 offices | |
| Liberty Capital Bank | $43.7 m · 16.7% share · 1 office | |
| Callahan, TX | $161.1 m FY2026 · $48,335/job | |
| MULTIPLE RECIPIENTS | $97.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $134,931,000 | 51.6% | 1 |
| First National Bank and Trust Company of Weatherford | $82,978,000 | 31.7% | 2 |
| Liberty Capital Bank | $43,733,000 | 16.7% | 1 |
Deposit concentration is 3,945 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 = 51.6² + 31.7² + 16.7² = 3,945
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 | $80,503,437 |
| Department of Transportation | $43,324,368 |
| Department of Housing and Urban Development | $17,070,087 |
| Department of Veterans Affairs | $16,626,775 |
| Department of Agriculture | $2,475,065 |
| Federal Communications Commission | $620,637 |
| Railroad Retirement Board | $340,359 |
| Department of Education | $90,233 |
| Department of Energy | $0 |
| Small Business Administration | $0 |
That is $48,335 per covered job, against 3,332 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $161.1 m / 3,332 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $48,335
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 #
Callahan County, TX: 9 findings, 9 noted
noteCallahan County, TX's average weekly wage was 13.6% 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
- +13.6 % = 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
noteCallahan County, TX's covered employment was 13.0% 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
- +13 % = 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
noteCallahan County, TX's typical home value rose 0.4% from $223,725 in July 2026 to $224,720 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (224720.42661148738 - 223724.75558619644) / 223724.75558619644 × 100
- 224720.42661148738 = Zillow ZHVI, 2026-08
- 223724.75558619644 = Zillow ZHVI, 2026-07
noteCallahan County, TX's momentum index of 0.90 ranks 35th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 99 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteCallahan County, TX's covered employment of +13.0% ranks 38th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 99 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 9 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.