Coleman County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.91, -99.35.
Assembled 2026-10-06. Read the brief.
- 14th pct · 2,620th of 3,063 US counties · median $234,566
- 20th pct · 193rd of 243 Texas counties · median $215,660
- 88th pct · 362nd of 3,063 US counties · median +2.9%
- 91st pct · 22nd of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 17th pct · 2,668th of 3,221 US counties · median 8,232
- 26th pct · 186th of 254 Texas counties · median 6,022
- 28th pct · 2,290th of 3,221 US counties · median $1,039
- 17th pct · 210th of 254 Texas counties · median $1,115
- 18th pct · 2,484th of 3,063 US counties · median 4.3
- 35th pct · 158th 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 $145,704 (Aug 2026), +7.4% over one year, -12.7% over five
- 14th pct · 2,620th of 3,063 US counties · median $234,566
- 20th pct · 193rd of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Coleman County, TX | $145,704 · +7.4% 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 $798 a month on $145,704 at 7.28%, against an average weekly wage worth $4,108 a month: 19.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $145,704 × 80% = $116,564, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $798/mo principal and interest
- wage share = payment / (avg weekly wage $948 × 52 / 12 = $4,108) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $145,704 / ($948 × 52) = 3.0
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 #
2,102 jobs at 233 employers (2026 Q1); -1.8% jobs and +6.3% average weekly wage over the year
- 17th pct · 2,668th of 3,221 US counties · median 8,232
- 26th pct · 186th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Coleman County, TX | 2,102 jobs · $948/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 241 | $529 | 1.18 | +3.9% |
| Accommodation and food services | 193 | $397 | 1.02 | -1.0% |
| Construction | 127 | $1,267 | 1.15 | -7.3% |
| Manufacturing | 121 | $1,024 | 0.72 | -12.9% |
| Mining, oil and gas | 84 | $1,441 | 11.22 | -4.5% |
| Real estate and rental | 84 | $2,258 | 2.61 | +21.7% |
| Wholesale trade | 68 | $612 | 0.84 | +3.0% |
| Finance and insurance | 51 | $1,450 | 0.60 | -15.0% |
| Professional and technical services | 47 | $1,652 | 0.32 | -24.2% |
| Information | 44 | $1,618 | 1.14 | +22.2% |
| Agriculture, forestry, fishing | 24 | $863 | 1.58 | +33.3% |
| Other services | 23 | $514 | 0.37 | -14.8% |
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 #
45 % of conservation capacity, weighted over 21 TWDB reservoirs
Sites found: 23, 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 | 17 km |
| Hords Creek Lake | 45 % full · 8k ac-ft | 22 km |
| Lake Brownwood | 89 % full · 131k ac-ft | 33 km |
| O. H. Ivie Res nr Voss, TX | 229,900 Acre-ft (USGS, no capacity on file) | 55 km |
| O. H. Ivie Reservoir | 42 % full · 554k ac-ft | 55 km |
| Lake Abilene | 8 % full · 8k ac-ft | 62 km |
| Lake Cisco | 43 % full · 29k ac-ft | 67 km |
| Leon Reservoir | 76 % full · 28k ac-ft | 81 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 #
23 gauges · 0 flooding · 1 with quality panels averaging 50 % · 2 stale
Sites found: 23, 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 |
|---|---|---|
| Colorado Rv nr Ballinger, TX | flow 0.85 ft³/s · quality 50 % (2) · no flooding | 68 km |
| Jim Ned Ck at CR 140 nr Coleman, TX | flow 0.00 ft³/s | 8 km |
| Hords Ck nr Coleman, TX | flow 0.00 ft³/s | 11 km |
| West Central Texas Lakes at Lake Coleman | no flooding | 17 km |
| Pecan Bayou nr Cross Cut, TX | flow 203.0 ft³/s · no flooding | 21 km |
| West Central Texas Lakes at Hords Creek Lake | no flooding | 22 km |
| Pecan Bayou at Lake Brownwood | no flooding | 34 km |
| Pecan Bayou at Brownwood, TX | flow 378.0 ft³/s · no flooding | 40 km |
| Colorado Rv nr Stacy, TX | flow 7.69 ft³/s · no flooding | 51 km |
| Colorado Rv at Winchell, TX | flow 0.59 ft³/s · no flooding · STALE | 53 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 (0.52)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.55 + 0.2×0.50 / 0.85
Banks & federal dollars #
$259.1 m in deposits at 5 offices of 2 banks (SOD June 2026); HHI 5,467, highly concentrated. $76.7 m federal obligations in FY2026 (direct payments $65.4 m, grants $11.2 m), $36,493 per covered job
| Item | Value | Distance |
|---|---|---|
| Coleman County State Bank | $169.2 m · 65.3% share · 4 offices | |
| InterBank | $90.0 m · 34.7% share · 1 office | |
| Coleman, TX | $76.7 m FY2026 · $36,493/job | |
| MULTIPLE RECIPIENTS | $62.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Coleman County State Bank | $169,173,000 | 65.3% | 4 |
| InterBank | $89,953,000 | 34.7% | 1 |
Deposit concentration is 5,467 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 65.3² + 34.7² = 5,467
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 | $54,302,032 |
| Department of Veterans Affairs | $7,522,273 |
| Department of Health and Human Services | $5,183,771 |
| Department of Transportation | $5,170,317 |
| Department of Agriculture | $2,302,768 |
| Department of Housing and Urban Development | $1,107,397 |
| Railroad Retirement Board | $997,369 |
| Department of Defense | $108,551 |
| Department of Education | $13,520 |
| Federal Communications Commission | $1,050 |
| Small Business Administration | $0 |
That is $36,493 per covered job, against 2,102 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $76.7 m / 2,102 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,493
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Coleman County, TX: 6 findings, 1 at a watch level and 5 noted
watchColeman County, TX's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteColeman County, TX's average weekly wage was 6.3% 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
- +6.3 % = 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
noteColeman County, TX's covered employment was 1.8% 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
- -1.8 % = 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
noteColeman County, TX's typical home value rose 0.7% from $144,654 in July 2026 to $145,704 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (145704.4129066417 - 144654.30024386666) / 144654.30024386666 × 100
- 145704.4129066417 = Zillow ZHVI, 2026-08
- 144654.30024386666 = Zillow ZHVI, 2026-07
noteColeman County, TX's typical home value of +7.4% ranks 22nd of 243 Texas counties, against a median of +0.0%.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 243 Texas counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
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.