Camp County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.97, -94.98.
Assembled 2026-10-06. Read the brief.
- 44th pct · 1,694th of 3,063 US counties · median $234,566
- 52nd pct · 115th of 243 Texas counties · median $215,660
- 15th pct · 2,580th of 3,063 US counties · median +2.9%
- 40th pct · 144th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 32nd pct · 2,186th of 3,221 US counties · median 8,232
- 41st pct · 148th of 254 Texas counties · median 6,022
- 25th pct · 2,413th of 3,221 US counties · median $1,039
- 14th pct · 218th of 254 Texas counties · median $1,115
- 56th pct · 1,347th of 3,063 US counties · median 4.3
- 74th pct · 63rd 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 $221,089 (Aug 2026), -0.8% over one year, +2.6% over five
- 44th pct · 1,694th of 3,063 US counties · median $234,566
- 52nd pct · 115th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Camp County, TX | $221,089 · -0.8% 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 $1,210 a month on $221,089 at 7.28%, against an average weekly wage worth $4,026 a month: 30.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,089 × 80% = $176,872, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,210/mo principal and interest
- wage share = payment / (avg weekly wage $929 × 52 / 12 = $4,026) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,089 / ($929 × 52) = 4.6
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 #
4,086 jobs at 292 employers (2026 Q1); +2.8% jobs and +0.3% average weekly wage over the year
- 32nd pct · 2,186th of 3,221 US counties · median 8,232
- 41st pct · 148th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Camp County, TX | 4,086 jobs · $929/wk · +2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 360 | $404 | 0.98 | +6.2% |
| Wholesale trade | 309 | $1,295 | 1.97 | -10.4% |
| Retail trade | 283 | $587 | 0.71 | -13.2% |
| Construction | 240 | $1,226 | 1.12 | -7.0% |
| Manufacturing | 143 | $864 | 0.44 | +0.0% |
| Finance and insurance | 132 | $1,185 | 0.79 | +45.1% |
| Professional and technical services | 108 | $1,030 | 0.38 | +30.1% |
| Utilities | 75 | $1,748 | 4.65 | -9.6% |
| Arts, entertainment and recreation | 51 | $560 | 0.76 | +21.4% |
| Transportation and warehousing | 9 | $1,307 | 0.05 | -10.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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.
Drought #
D3 extreme 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 #
85 % of conservation capacity, weighted over 26 TWDB reservoirs
Sites found: 29, 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 Bob Sandlin | 89 % full · 192k ac-ft | 12 km |
| Monticello Reservoir | 73 % full · 35k ac-ft | 13 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 20 km |
| Lake O the Pines | 93 % full · 241k ac-ft | 51 km |
| Lake Fork Reservoir | 82 % full · 606k ac-ft | 54 km |
| Lake Fk Res nr Quitman, TX | 559,800 Acre-ft (USGS, no capacity on file) | 54 km |
| Lake Sulphur Springs | 86 % full · 18k ac-ft | 65 km |
| Cooper (Chapman) Lake | 69 % full · 259k ac-ft | 72 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 #
24 gauges · 0 flooding · 0 with quality panels · 2 stale
Sites found: 24, 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 |
|---|---|---|
| Big Cypress Ck nr Pittsburg, TX | flow 15.8 ft³/s | 10 km |
| Big Cypress Ck at US Hwy 271 nr Pittsburg, TX | flow 7.28 ft³/s | 11 km |
| Brushy Ck at Scroggins, TX | flow 0.29 ft³/s · STALE | 19 km |
| White Oak Ck at IH 30 nr Omaha, TX | flow 7.86 ft³/s | 37 km |
| Little Cypress Ck nr Ore City, TX | flow 0.00 ft³/s | 40 km |
| White Oak Ck nr Talco, TX | flow 19.3 ft³/s | 40 km |
| Big Sandy Ck nr Big Sandy, TX | flow 19.9 ft³/s | 43 km |
| Sulphur Rv at IH 30 nr Dalby Springs, TX | flow 1.36 ft³/s | 46 km |
| Sulphur Rv nr Talco, TX | flow 9.09 ft³/s | 48 km |
| Sabine Rv nr Gladewater, TX | flow 162.0 ft³/s | 50 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 #
moderate (0.47)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.15 / 0.65
Banks & federal dollars #
$338.0 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,683, highly concentrated. $93.5 m federal obligations in FY2026 (direct payments $88.5 m, grants $5.0 m), $22,882 per covered job
| Item | Value | Distance |
|---|---|---|
| Pilgrim Bank | $114.0 m · 33.7% share · 1 office | |
| Glacier Bank | $94.1 m · 27.8% share · 1 office | |
| Cypress Bank, SSB | $87.2 m · 25.8% share · 1 office | |
| Camp, TX | $93.5 m FY2026 · $22,882/job | |
| MULTIPLE RECIPIENTS | $84.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pilgrim Bank | $114,046,000 | 33.7% | 1 |
| Glacier Bank | $94,113,000 | 27.8% | 1 |
| Cypress Bank, SSB | $87,167,000 | 25.8% | 1 |
| The City National Bank of Sulphur Springs | $33,236,000 | 9.8% | 1 |
| The First National Bank of East Texas | $9,479,000 | 2.8% | 1 |
Deposit concentration is 2,683 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 33.7² + 27.8² + 25.8² + … (2 more) = 2,683
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 | $70,234,337 |
| Department of Veterans Affairs | $12,903,641 |
| Department of Transportation | $4,452,292 |
| Department of Agriculture | $3,397,301 |
| Federal Communications Commission | $949,193 |
| Railroad Retirement Board | $947,192 |
| Department of Housing and Urban Development | $613,444 |
| Small Business Administration | $0 |
That is $22,882 per covered job, against 4,086 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $93.5 m / 4,086 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,882
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 #
Camp County, TX: 4 findings, 1 at a watch level and 3 noted
watchCamp County, TX's typical home value is -0.8% 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 = -0.8085755799481845 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteCamp County, TX's covered employment was 2.8% 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
- +2.8 % = 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
noteCamp County, TX's average weekly wage was 0.3% 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
- +0.3 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Camp County, TX is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.