Chambers County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.70, -94.67.
Assembled 2026-10-06. Read the brief.
- 79th pct · 643rd of 3,063 US counties · median $234,566
- 87th pct · 31st of 243 Texas counties · median $215,660
- 66th pct · 4th of 10 counties in the Houston-Pasadena-The Woodlands metro · median $335,489
- 26th pct · 2,242nd of 3,063 US counties · median +2.9%
- 58th pct · 102nd of 243 Texas counties · median +0.0%
- 100th pct · 1st of 10 counties in the Houston-Pasadena-The Woodlands metro · median -1.7%
- 84th pct · 212th of 1,399 US counties · median $1,496
- 97th pct · 4th of 106 Texas counties · median $1,483
- 77th pct · 3rd of 10 counties in the Houston-Pasadena-The Woodlands metro · median $1,780
- 73rd pct · 841st of 3,221 US counties · median 8,232
- 81st pct · 49th of 254 Texas counties · median 6,022
- 33rd pct · 7th of 10 counties in the Houston-Pasadena-The Woodlands metro · median 76,883
- 93rd pct · 197th of 3,221 US counties · median $1,039
- 87th pct · 33rd of 254 Texas counties · median $1,115
- 77th pct · 3rd of 10 counties in the Houston-Pasadena-The Woodlands metro · median $1,347
- 51st pct · 1,496th of 3,063 US counties · median 4.3
- 66th pct · 82nd of 243 Texas counties · median 3.6
- 33rd pct · 7th of 10 counties in the Houston-Pasadena-The Woodlands metro · median 4.6
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 $349,409 (Aug 2026), +0.7% over one year, +11.7% over five
- 79th pct · 643rd of 3,063 US counties · median $234,566
- 87th pct · 31st of 243 Texas counties · median $215,660
- 66th pct · 4th of 10 counties in the Houston-Pasadena-The Woodlands metro · median $335,489
| Item | Value | Distance |
|---|---|---|
| Chambers County, TX | $349,409 · +0.7% 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 $2,046/mo (Aug 2026), +1.4% over one year; price-to-rent 14.2
- 84th pct · 212th of 1,399 US counties · median $1,496
- 97th pct · 4th of 106 Texas counties · median $1,483
- 77th pct · 3rd of 10 counties in the Houston-Pasadena-The Woodlands metro · median $1,780
| Item | Value | Distance |
|---|---|---|
| Chambers County, TX | $2,046/mo · +1.4% 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 $1,913 a month on $349,409 at 7.28%, against an average weekly wage worth $6,717 a month: 28.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $349,409 × 80% = $279,527, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,913/mo principal and interest
- wage share = payment / (avg weekly wage $1,550 × 52 / 12 = $6,717) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $349,409 / ($1,550 × 52) = 4.3
- price-to-rent = $349,409 / ($2,046 × 12) = 14.2
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 #
23,150 jobs at 967 employers (2026 Q1); -0.7% jobs and +3.2% average weekly wage over the year
- 73rd pct · 841st of 3,221 US counties · median 8,232
- 81st pct · 49th of 254 Texas counties · median 6,022
- 33rd pct · 7th of 10 counties in the Houston-Pasadena-The Woodlands metro · median 76,883
| Item | Value | Distance |
|---|---|---|
| Chambers County, TX | 23,150 jobs · $1,550/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 4,117 | $1,842 | 4.22 | +4.9% |
| Manufacturing | 3,494 | $2,244 | 1.88 | +5.3% |
| Accommodation and food services | 2,199 | $461 | 1.06 | +4.1% |
| Construction | 2,008 | $1,695 | 1.65 | -4.1% |
| Other services | 1,753 | $1,996 | 2.53 | +35.4% |
| Retail trade | 1,478 | $790 | 0.66 | +1.5% |
| Health care and social assistance | 928 | $931 | 0.27 | +0.0% |
| Professional and technical services | 665 | $1,750 | 0.42 | +8.3% |
| Mining, oil and gas | 512 | $1,754 | 6.21 | -29.5% |
| Administrative and waste services | 509 | $1,227 | 0.39 | -13.0% |
| Real estate and rental | 250 | $1,607 | 0.70 | +2.0% |
| Agriculture, forestry, fishing | 78 | $960 | 0.47 | -3.7% |
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 #
D0 abnormally dry
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 #
Surface water layer not loaded
Sites found: 4, 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 Houston | 100 % full · 132k ac-ft | 52 km |
| Livingston Reservoir | 91 % full · 1,604k ac-ft | 109 km |
| Lake Conroe | 95 % full · 418k ac-ft | 113 km |
| B. A. Steinhagen Lake | 96 % full · 69k ac-ft | 131 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 #
Surface water layer not loaded
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 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 #
low (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.3×0.08 / 0.65
Banks & federal dollars #
$616.1 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 2,378, highly concentrated. $276.5 m federal obligations in FY2026 (direct payments $256.4 m, grants $17.2 m), $11,945 per covered job
| Item | Value | Distance |
|---|---|---|
| Anahuac National Bank | $234.9 m · 38.1% share · 4 offices | |
| Prosperity Bank | $123.5 m · 20.0% share · 2 offices | |
| Texas First Bank | $96.2 m · 15.6% share · 1 office | |
| Chambers, TX | $276.5 m FY2026 · $11,945/job | |
| MULTIPLE RECIPIENTS | $248.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Anahuac National Bank | $234,890,000 | 38.1% | 4 |
| Prosperity Bank | $123,452,000 | 20.0% | 2 |
| Texas First Bank | $96,194,000 | 15.6% | 1 |
| Wells Fargo Bank, National Association | $78,958,000 | 12.8% | 1 |
| Stellar Bank | $63,042,000 | 10.2% | 1 |
| First Liberty Bank | $19,596,000 | 3.2% | 1 |
Deposit concentration is 2,378 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 38.1² + 20.0² + 15.6² + … (3 more) = 2,378
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 | $206,540,949 |
| Department of Veterans Affairs | $42,278,241 |
| Department of Transportation | $14,652,719 |
| Department of Agriculture | $7,678,783 |
| Department of the Interior | $3,808,795 |
| Department of Health and Human Services | $2,111,199 |
| Federal Communications Commission | $1,010,019 |
| Railroad Retirement Board | $254,948 |
| Department of Homeland Security | $61,900 |
| General Services Administration | $34,080 |
| Department of Energy | $0 |
| Small Business Administration | -$7,097 |
That is $11,945 per covered job, against 23,150 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $276.5 m / 23,150 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,945
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 #
Chambers County, TX: 11 findings, 3 at a watch level and 8 noted
watchChambers County, TX's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchChambers County, TX's typical asking rent is -1.1% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.1330568853778284 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchChambers County, TX's typical home value of +0.7% scores 27 on the 0-to-100 scale across US counties but 58 across Texas counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |27 across US counties - 58 across Texas counties|
position among the entities that published this metric this period; not an official level
noteChambers County, TX's average weekly wage was 3.2% 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
- +3.2 % = 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
noteChambers County, TX's typical asking rent fell 1.1% from $2,069 in July 2026 to $2,046 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.1% = (2046.0277777777776 - 2069.4761194403463) / 2069.4761194403463 × 100
- 2046.0277777777776 = Zillow ZORI, 2026-08
- 2069.4761194403463 = Zillow ZORI, 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.