Cooke County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.64, -97.21.
Assembled 2026-10-06. Read the brief.
- 73rd pct · 798th of 3,063 US counties · median $234,566
- 83rd pct · 40th of 243 Texas counties · median $215,660
- 15th pct · 2,597th of 3,063 US counties · median +2.9%
- 40th pct · 146th of 243 Texas counties · median +0.0%
- 53rd pct · 650th of 1,399 US counties · median $1,496
- 60th pct · 42nd of 106 Texas counties · median $1,483
- 67th pct · 1,056th of 3,221 US counties · median 8,232
- 74th pct · 66th of 254 Texas counties · median 6,022
- 86th pct · 429th of 3,221 US counties · median $1,039
- 77th pct · 58th of 254 Texas counties · median $1,115
- 57th pct · 1,296th of 3,063 US counties · median 4.3
- 76th pct · 59th 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 $320,771 (Aug 2026), -0.9% over one year, +16.2% over five
- 73rd pct · 798th of 3,063 US counties · median $234,566
- 83rd pct · 40th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Cooke County, TX | $320,771 · -0.9% 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 $1,532/mo (Aug 2026), +6.5% over one year; price-to-rent 17.4
- 53rd pct · 650th of 1,399 US counties · median $1,496
- 60th pct · 42nd of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Cooke County, TX | $1,532/mo · +6.5% 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 $1,756 a month on $320,771 at 7.28%, against an average weekly wage worth $5,750 a month: 30.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $320,771 × 80% = $256,617, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,756/mo principal and interest
- wage share = payment / (avg weekly wage $1,327 × 52 / 12 = $5,750) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $320,771 / ($1,327 × 52) = 4.6
- price-to-rent = $320,771 / ($1,532 × 12) = 17.4
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 #
16,666 jobs at 1,115 employers (2026 Q1); +0.1% jobs and +2.4% average weekly wage over the year
- 67th pct · 1,056th of 3,221 US counties · median 8,232
- 74th pct · 66th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Cooke County, TX | 16,666 jobs · $1,327/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,279 | $1,538 | 2.45 | +1.8% |
| Retail trade | 1,873 | $740 | 1.15 | +1.2% |
| Mining, oil and gas | 1,566 | $3,086 | 26.39 | -15.4% |
| Accommodation and food services | 1,528 | $429 | 1.02 | +0.6% |
| Construction | 1,104 | $1,293 | 1.26 | +12.3% |
| Finance and insurance | 629 | $1,611 | 0.93 | -1.3% |
| Wholesale trade | 601 | $1,718 | 0.94 | +7.9% |
| Other services | 454 | $1,025 | 0.91 | +3.9% |
| Professional and technical services | 383 | $1,526 | 0.33 | -3.8% |
| Transportation and warehousing | 250 | $945 | 0.36 | -6.4% |
| Real estate and rental | 178 | $1,262 | 0.70 | +0.0% |
| Information | 126 | $1,522 | 0.41 | -4.5% |
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 #
87 % of conservation capacity, weighted over 30 TWDB reservoirs
Sites found: 38, 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 |
|---|---|---|
| Moss Lake | 100 % full · 24k ac-ft | 15 km |
| Ray Roberts Lake | 95 % full · 788k ac-ft | 35 km |
| Lake Nocona (Farmer's Creek) | 74 % full · 21k ac-ft | 49 km |
| Lake Texoma | 94 % full · 1,244k ac-ft | 62 km |
| Lake Amon G Carter | 81 % full · 19k ac-ft | 63 km |
| Lewisville Lake | 84 % full · 563k ac-ft | 67 km |
| Bridgeport Reservoir | 73 % full · 372k ac-ft | 74 km |
| Bridgeport Res abv Bridgeport, TX | 266,300 Acre-ft (USGS, no capacity on file) | 74 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 #
39 gauges · 0 flooding · 3 with quality panels averaging 88 % · 7 stale
Sites found: 39, 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 |
|---|---|---|
| Elm Fk Trinity Rv at Gainesville, TX | flow 68.7 ft³/s · no flooding | 5 km |
| Red River near Gainesville, TX | flow 794.0 ft³/s · no flooding | 11 km |
| Elm Fk Trinity Rv at FM 1198 nr Myra, TX | flow 28.0 ft³/s | 12 km |
| North Texas Lakes at Moss Lake | no readings | 15 km |
| Timber Ck nr Collinsville, TX | flow 0.38 ft³/s | 26 km |
| Clear Ck nr Sanger, TX | flow 8.33 ft³/s · no flooding | 34 km |
| North Texas Lakes at Lake Ray Roberts | no readings | 35 km |
| Elm Fk Trinity Rv at Greenbelt nr Pilot Point, TX | flow 7.20 ft³/s | 36 km |
| Range Ck nr Collinsville, TX | flow 0.00 ft³/s | 39 km |
| Red River nr Courtney, OK | stage 11.8 ft | 41 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 #
5 wells in 3 named aquifers: Alluvial aquifers, Edwards-Trinity aquifer system, Texas coastal uplands aquifer system
Sites found: 5, 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 |
|---|---|---|
| Alluvial aquifers | depth 60.0 ft · 2022-06-07 | 47 km |
| Texas coastal uplands aquifer system | depth 326.9 ft · 2005-09-25 | 52 km |
| Edwards-Trinity aquifer system | depth 19.2 ft · 1993-10-20 | 70 km |
| Alluvial aquifers | depth 6.47 ft · 2024-12-10 | 71 km |
| Alluvial aquifers | depth 28.1 ft · 2024-12-10 | 71 km |
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 (0.39)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.13 + 0.2×0.13 / 0.85
Banks & federal dollars #
$1.5 bn in deposits at 11 offices of 6 banks (SOD June 2026); HHI 4,672, highly concentrated. $288.5 m federal obligations in FY2026 (direct payments $273.8 m, grants $26.9 m), $17,310 per covered job
| Item | Value | Distance |
|---|---|---|
| First State Bank | $988.6 m · 65.9% share · 4 offices | |
| Muenster State Bank | $192.3 m · 12.8% share · 2 offices | |
| Prosperity Bank | $151.3 m · 10.1% share · 2 offices | |
| Cooke, TX | $288.5 m FY2026 · $17,310/job | |
| MULTIPLE RECIPIENTS | $249.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First State Bank | $988,613,000 | 65.9% | 4 |
| Muenster State Bank | $192,275,000 | 12.8% | 2 |
| Prosperity Bank | $151,295,000 | 10.1% | 2 |
| First United Bank and Trust Company | $100,919,000 | 6.7% | 1 |
| Simmons Bank | $60,274,000 | 4.0% | 1 |
| Woodforest National Bank | $6,551,000 | 0.4% | 1 |
Deposit concentration is 4,672 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 = 65.9² + 12.8² + 10.1² + … (3 more) = 4,672
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 | $218,825,832 |
| Department of Veterans Affairs | $26,544,373 |
| Department of Transportation | $26,297,403 |
| Department of Education | $14,349,367 |
| Department of Housing and Urban Development | $5,387,882 |
| Department of Agriculture | $4,212,715 |
| Railroad Retirement Board | $3,973,770 |
| Federal Communications Commission | $1,070,857 |
| Department of Health and Human Services | $147,705 |
| Department of Justice | $47,311 |
| Small Business Administration | -$789 |
| Department of Defense | -$12,361,380 |
That is $17,310 per covered job, against 16,666 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $288.5 m / 16,666 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,310
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 #
Cooke County, TX: 7 findings, 1 at a watch level and 6 noted
watchCooke County, TX's typical home value is -0.9% 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 = -0.8880823963358946 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteCooke County, TX's average weekly wage was 2.4% 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
- +2.4 % = 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
noteCooke County, TX's typical asking rent rose 1.0% from $1,517 in July 2026 to $1,532 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.0% = (1532.138888888889 - 1517.0794029059066) / 1517.0794029059066 × 100
- 1532.138888888889 = Zillow ZORI, 2026-08
- 1517.0794029059066 = Zillow ZORI, 2026-07
noteCooke County, TX's typical home value fell 0.3% from $321,673 in July 2026 to $320,771 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (320770.9280430389 - 321672.53672427405) / 321672.53672427405 × 100
- 320770.9280430389 = Zillow ZHVI, 2026-08
- 321672.53672427405 = Zillow ZHVI, 2026-07
noteCooke County, TX's covered employment was 0.1% 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
- +0.1 % = 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
Read all 7 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.