Cass County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.08, -94.36.
Assembled 2026-10-06. Read the brief.
- 22nd pct · 2,378th of 3,063 US counties · median $234,566
- 29th pct · 172nd of 243 Texas counties · median $215,660
- 12th pct · 2,694th of 3,063 US counties · median +2.9%
- 33rd pct · 162nd of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 49th pct · 1,633rd of 3,221 US counties · median 8,232
- 57th pct · 108th of 254 Texas counties · median 6,022
- 30th pct · 2,248th of 3,221 US counties · median $1,039
- 20th pct · 202nd of 254 Texas counties · median $1,115
- 28th pct · 2,176th of 3,063 US counties · median 4.3
- 44th pct · 136th 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 $167,093 (Aug 2026), -1.5% over one year, -8.8% over five
- 22nd pct · 2,378th of 3,063 US counties · median $234,566
- 29th pct · 172nd of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Cass County, TX | $167,093 · -1.5% 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 $915 a month on $167,093 at 7.28%, against an average weekly wage worth $4,130 a month: 22.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $167,093 × 80% = $133,675, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $915/mo principal and interest
- wage share = payment / (avg weekly wage $953 × 52 / 12 = $4,130) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $167,093 / ($953 × 52) = 3.4
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 #
7,981 jobs at 557 employers (2026 Q1); -0.5% jobs and +3.8% average weekly wage over the year
- 49th pct · 1,633rd of 3,221 US counties · median 8,232
- 57th pct · 108th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Cass County, TX | 7,981 jobs · $953/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,327 | $1,555 | 2.07 | -0.3% |
| Retail trade | 819 | $610 | 1.05 | +1.7% |
| Accommodation and food services | 750 | $349 | 1.05 | -11.2% |
| Wholesale trade | 465 | $1,486 | 1.52 | -2.3% |
| Construction | 241 | $1,131 | 0.58 | +10.6% |
| Finance and insurance | 207 | $969 | 0.64 | +4.5% |
| Agriculture, forestry, fishing | 139 | $1,055 | 2.41 | -30.8% |
| Transportation and warehousing | 135 | $1,195 | 0.40 | +7.1% |
| Administrative and waste services | 121 | $1,084 | 0.27 | +0.0% |
| Utilities | 120 | $1,419 | 3.81 | +5.3% |
| Real estate and rental | 67 | $1,122 | 0.55 | -9.5% |
| Mining, oil and gas | 24 | $893 | 0.84 | +14.3% |
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 #
86 % of conservation capacity, weighted over 17 TWDB reservoirs
Sites found: 19, 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 |
|---|---|---|
| Wright Patman Lake | 100 % full · 123k ac-ft | 31 km |
| Lake O the Pines | 93 % full · 241k ac-ft | 39 km |
| Caddo Lake | 53 % full · 30k ac-ft | 59 km |
| Lake Bob Sandlin | 89 % full · 192k ac-ft | 60 km |
| Monticello Reservoir | 73 % full · 35k ac-ft | 64 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 75 km |
| Lake Cherokee | 80 % full · 40k ac-ft | 85 km |
| Martin Lake | 79 % full · 76k ac-ft | 94 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 · 2 with quality panels averaging 88 % · 1 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 |
|---|---|---|
| Sulphur Rv nr Texarkana, TX | flow 559.0 ft³/s | 31 km |
| Black Cypress Bayou at Jefferson, TX | flow 0.08 ft³/s · no flooding | 34 km |
| Anderson Ck at Hwy 98 nr Simms, TX | flow 416.0 ft³/s · STALE | 36 km |
| Black Bayou at Rodessa, LA | stage 10.4 ft | 37 km |
| Big Cypress Bayou nr Jefferson, TX | flow 18.8 ft³/s · no flooding | 39 km |
| Big Cypress Ck abv SH 43 nr Karnack, TX | flow 12.5 ft³/s | 40 km |
| Sulphur Rv at IH 30 nr Dalby Springs, TX | flow 1.70 ft³/s | 40 km |
| Little Cypress Bayou nr Jefferson, TX | flow 0.00 ft³/s · no flooding | 41 km |
| Red River at Spring Bank, AR | flow 3,890 ft³/s · no flooding | 46 km |
| White Oak Ck at IH 30 nr Omaha, TX | flow 7.61 ft³/s | 47 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 (0.28)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.14 + 0.2×0.13 / 0.85
Banks & federal dollars #
$386.8 m in deposits at 10 offices of 7 banks (SOD June 2026); HHI 2,228, highly concentrated. $244.0 m federal obligations in FY2026 (direct payments $227.8 m, grants $17.2 m), $30,570 per covered job
| Item | Value | Distance |
|---|---|---|
| Texana Bank, National Association | $113.4 m · 29.3% share · 1 office | |
| The First National Bank of Hughes Springs | $109.0 m · 28.2% share · 3 offices | |
| State Bank of De Kalb | $73.6 m · 19.0% share · 1 office | |
| Cass, TX | $244.0 m FY2026 · $30,570/job | |
| MULTIPLE RECIPIENTS | $224.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Texana Bank, National Association | $113,422,000 | 29.3% | 1 |
| The First National Bank of Hughes Springs | $108,953,000 | 28.2% | 3 |
| State Bank of De Kalb | $73,582,000 | 19.0% | 1 |
| Regions Bank | $42,059,000 | 10.9% | 1 |
| The City National Bank of Sulphur Springs | $36,567,000 | 9.5% | 2 |
| Community Bank | $7,884,000 | 2.0% | 1 |
| Woodforest National Bank | $4,339,000 | 1.1% | 1 |
Deposit concentration is 2,228 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 29.3² + 28.2² + 19.0² + … (4 more) = 2,228
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 | $184,769,970 |
| Department of Veterans Affairs | $37,710,624 |
| Department of Transportation | $11,822,845 |
| Department of Health and Human Services | $4,317,536 |
| Railroad Retirement Board | $2,301,771 |
| Federal Communications Commission | $1,589,860 |
| Department of Agriculture | $1,372,890 |
| Department of Education | $65,743 |
| Small Business Administration | $40,481 |
| Department of Housing and Urban Development | $18,286 |
| Department of Defense | -$27,584 |
That is $30,570 per covered job, against 7,981 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $244.0 m / 7,981 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,570
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 #
Cass County, TX: 6 findings, 2 at a watch level and 4 noted
watchCass County, TX's typical home value is -1.5% 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 = -1.5326309018895774 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCass County, TX's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCass County, TX's average weekly wage was 3.8% 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
- +3.8 % = 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
noteCass County, TX's covered employment was 0.5% 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
- -0.5 % = 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
noteCass County, TX's typical home value fell 0.5% from $167,910 in July 2026 to $167,093 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.5% = (167093.18927038883 - 167910.3590232728) / 167910.3590232728 × 100
- 167093.18927038883 = Zillow ZHVI, 2026-08
- 167910.3590232728 = Zillow ZHVI, 2026-07
Read all 6 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.