Delta County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.39, -95.67.
Assembled 2026-10-06. Read the brief.
- 38th pct · 1,884th of 3,063 US counties · median $234,566
- 42nd pct · 140th of 243 Texas counties · median $215,660
- 13th pct · 2,664th of 3,063 US counties · median +2.9%
- 35th pct · 156th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 6th pct · 3,008th of 3,221 US counties · median 8,232
- 11th pct · 224th of 254 Texas counties · median 6,022
- 14th pct · 2,758th of 3,221 US counties · median $1,039
- 6th pct · 237th of 254 Texas counties · median $1,115
- 54th pct · 1,379th of 3,063 US counties · median 4.3
- 72nd pct · 67th 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 $204,581 (Aug 2026), -1.3% over one year, +17.9% over five
- 38th pct · 1,884th of 3,063 US counties · median $234,566
- 42nd pct · 140th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Delta County, TX | $204,581 · -1.3% 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 $1,120 a month on $204,581 at 7.28%, against an average weekly wage worth $3,770 a month: 29.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $204,581 × 80% = $163,665, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,120/mo principal and interest
- wage share = payment / (avg weekly wage $870 × 52 / 12 = $3,770) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $204,581 / ($870 × 52) = 4.5
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 #
988 jobs at 111 employers (2026 Q1); +0.6% jobs and +6.4% average weekly wage over the year
- 6th pct · 3,008th of 3,221 US counties · median 8,232
- 11th pct · 224th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Delta County, TX | 988 jobs · $870/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 66 | $1,070 | 1.27 | +0.0% |
| Wholesale trade | 39 | $1,485 | 1.03 | +550.0% |
| Retail trade | 32 | $570 | 0.33 | -11.1% |
| Accommodation and food services | 31 | $463 | 0.35 | -16.2% |
| Administrative and waste services | 25 | $1,012 | 0.45 | -10.7% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | 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 #
88 % of conservation capacity, weighted over 28 TWDB reservoirs
Sites found: 33, 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 |
|---|---|---|
| Cooper (Chapman) Lake | 69 % full · 259k ac-ft | 7 km |
| Lake Sulphur Springs | 86 % full · 18k ac-ft | 24 km |
| Lake Crook | 85 % full · 9k ac-ft | 39 km |
| Bois d'Arc Lake | 90 % full · 368k ac-ft | 45 km |
| Pat Mayse Lake | 91 % full · 114k ac-ft | 53 km |
| Lake Bonham | 78 % full · 11k ac-ft | 54 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 60 km |
| Lake Fk Res nr Quitman, TX | 559,800 Acre-ft (USGS, no capacity on file) | 65 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 #
28 gauges · 0 flooding · 1 with quality panels averaging 100 % · 3 stale
Sites found: 28, 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 |
|---|---|---|
| North Texas Lakes at Jim Chapman Lake | no readings | 7 km |
| S Sulphur Rv nr Cooper, TX | flow 3.07 ft³/s · no flooding | 8 km |
| N Sulphur Rv nr Cooper, TX | flow 0.01 ft³/s · no flooding | 13 km |
| S Sulphur Rv at SH 11 nr Commerce, TX | flow 9.05 ft³/s | 26 km |
| Middle Sulphur Rv at Commerce, TX | flow 0.00 ft³/s | 26 km |
| S Sulphur Rv at Commerce, TX | flow 0.09 ft³/s · STALE | 30 km |
| Bois D'Arc Ck at FM 1396 nr Honey Grove, TX | flow 0.00 ft³/s · quality 100 % (4) · STALE | 44 km |
| Cowleech Fk Sabine Rv at Greenville, TX | flow 0.00 ft³/s · no flooding | 47 km |
| Bois D'Arc Ck at FM 100 nr Honey Grove, TX | flow 5.02 ft³/s | 47 km |
| Bois D'Arc Ck at FM 409 nr Honey Grove, TX | flow 2.11 ft³/s | 48 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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 |
|---|---|---|
| USGS-335001095471701 | depth 10.9 ft · 2024-12-09 | 51 km |
| USGS-335030095243401 | depth 9.04 ft · 2024-12-09 | 56 km |
| USGS-335528095325701 | depth 22.1 ft · 2024-12-09 | 61 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 (0.35)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.12 + 0.2×0.00 / 0.85
Banks & federal dollars #
$85.7 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,126, highly concentrated. $39.9 m federal obligations in FY2026 (direct payments $36.8 m, grants $3.1 m), $40,420 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank in Cooper | $49.7 m · 57.9% share · 1 office | |
| Legend Bank, N.A. | $36.1 m · 42.1% share · 1 office | |
| Delta, TX | $39.9 m FY2026 · $40,420/job | |
| MULTIPLE RECIPIENTS | $34.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank in Cooper | $49,676,000 | 57.9% | 1 |
| Legend Bank, N.A. | $36,065,000 | 42.1% | 1 |
Deposit concentration is 5,126 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 = 57.9² + 42.1² = 5,126
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 | $28,817,286 |
| Department of Veterans Affairs | $5,163,356 |
| Department of Agriculture | $2,790,279 |
| Department of Transportation | $2,169,390 |
| Department of Health and Human Services | $481,882 |
| Department of Housing and Urban Development | $429,016 |
| Railroad Retirement Board | $78,565 |
| Federal Communications Commission | $5,058 |
That is $40,420 per covered job, against 988 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $39.9 m / 988 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,420
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 #
Delta County, TX: 6 findings, 1 at a watch level and 5 noted
watchDelta County, TX's typical home value is -1.3% 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 = -1.31500671105721 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteDelta County, TX's average weekly wage was 6.4% 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
- +6.4 % = 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
noteDelta County, TX's covered employment was 0.6% 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
- +0.6 % = 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
noteDelta County, TX's covered employment of 988 ranks 3,008th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteDelta County, TX's average weekly wage of $870 ranks 237th of 254 Texas counties, against a median of $1,115.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 254 Texas counties that published jobs.avgWeeklyWage
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.