Fannin County, TX

Home values #

Typical home $288,628 (Aug 2026), -1.2% over one year, +15.3% over five

• 66th pct · 1,017th of 3,063 US counties · median $234,566
• 77th pct · 56th of 243 Texas counties · median $215,660

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 $1,513/mo (Aug 2026), n/a over one year; price-to-rent 15.9

• 51st pct · 680th of 1,399 US counties · median $1,496
• 56th pct · 47th of 106 Texas counties · median $1,483

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 $1,580 a month on $288,628 at 7.28%, against an average weekly wage worth $4,749 a month: 33.3% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $288,628 × 80% = $230,902, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,580/mo principal and interest
• wage share = payment / (avg weekly wage $1,096 × 52 / 12 = $4,749) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $288,628 / ($1,096 × 52) = 5.1
• price-to-rent = $288,628 / ($1,513 × 12) = 15.9

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 #

9,121 jobs at 651 employers (2026 Q1); +1.9% jobs and +4.3% average weekly wage over the year

• 52nd pct · 1,527th of 3,221 US counties · median 8,232
• 61st pct · 98th of 254 Texas counties · median 6,022

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 24 TWDB reservoirs

Sites found: 31, 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.

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 #

29 gauges · 0 flooding · 1 with quality panels averaging 100 % · 3 stale

Sites found: 29, 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 #

8 wells in 2 named aquifers: Alluvial aquifers, Texas coastal uplands aquifer system

Sites found: 8, 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 (0.35)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.13 + 0.2×0.00 / 0.85

Banks & federal dollars #

$737.9 m in deposits at 10 offices of 5 banks (SOD June 2026); HHI 2,283, highly concentrated. $305.2 m federal obligations in FY2026 (direct payments $234.0 m, grants $60.9 m), $33,459 per covered job

Deposit concentration is 2,283 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 5 banks with deposits in the county = 29.4² + 23.8² + 20.3² + … (2 more) = 2,283

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.

That is $33,459 per covered job, against 9,121 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $305.2 m / 9,121 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,459

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.

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 #

Fannin County, TX: 6 findings, 1 at a watch level and 5 noted

1. watchFannin County, TX's typical home value is -1.2% 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 = -1.2037142649567862 < 0

   arithmetic on Zillow ZHVI, county and metro files; not an official level

2. noteFannin County, TX's average weekly wage was 4.3% 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

   • +4.3 % = 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

3. noteFannin County, TX's covered employment was 1.9% 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

   • +1.9 % = 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

4. noteFannin County, TX's typical asking rent rose 0.7% from $1,502 in July 2026 to $1,513 in August 2026, on Zillow ZORI.

   Period 2026-08.
   Show the arithmetic

   • +0.7% = (1512.5555555555557 - 1502.1999596540345) / 1502.1999596540345 × 100
   • 1512.5555555555557 = Zillow ZORI, 2026-08
   • 1502.1999596540345 = Zillow ZORI, 2026-07

5. noteThe next Zillow ZHVI typical home value (monthly) covering Fannin County, TX is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.

   Show the arithmetic

   • window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern

   estimated from the publisher's past release pattern; not an announced date

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.