Fisher County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.74, -100.40.
Assembled 2026-10-06. Read the brief.
- 4th pct · 2,934th of 3,063 US counties · median $234,566
- 9th pct · 221st of 243 Texas counties · median $215,660
- 95th pct · 152nd of 3,063 US counties · median +2.9%
- 95th pct · 13th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 4th pct · 3,063rd of 3,221 US counties · median 8,232
- 8th pct · 232nd of 254 Texas counties · median 6,022
- 75th pct · 783rd of 3,221 US counties · median $1,039
- 62nd pct · 95th of 254 Texas counties · median $1,115
- 2nd pct · 3,001st of 3,063 US counties · median 4.3
- 7th pct · 225th 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 $108,983 (Aug 2026), +9.5% over one year, -13.1% over five
- 4th pct · 2,934th of 3,063 US counties · median $234,566
- 9th pct · 221st of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Fisher County, TX | $108,983 · +9.5% 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 $597 a month on $108,983 at 7.28%, against an average weekly wage worth $5,187 a month: 11.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $108,983 × 80% = $87,186, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $597/mo principal and interest
- wage share = payment / (avg weekly wage $1,197 × 52 / 12 = $5,187) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $108,983 / ($1,197 × 52) = 1.8
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 #
782 jobs at 107 employers (2026 Q1); -3.7% jobs and +9.3% average weekly wage over the year
- 4th pct · 3,063rd of 3,221 US counties · median 8,232
- 8th pct · 232nd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Fisher County, TX | 782 jobs · $1,197/wk · -3.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 67 | $812 | 11.86 | +0.0% |
| Retail trade | 56 | $461 | 0.73 | -3.4% |
| Health care and social assistance | 43 | $934 | 0.37 | -32.8% |
| Accommodation and food services | 27 | $309 | 0.38 | +0.0% |
| Transportation and warehousing | 19 | $3,486 | 0.58 | -9.5% |
| Professional and technical services | 14 | $1,099 | 0.26 | -50.0% |
| Mining, oil and gas | 11 | $810 | 3.95 | +0.0% |
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Finance and insurance | 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 #
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 #
29 % of conservation capacity, weighted over 17 TWDB reservoirs
Sites found: 19, 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 Sweetwater | 17 % full · 12k ac-ft | 35 km |
| Lake Colorado City | 53 % full · 31k ac-ft | 65 km |
| Champion Creek Reservoir | 43 % full · 42k ac-ft | 67 km |
| Fort Phantom Hill Reservoir | 67 % full · 70k ac-ft | 70 km |
| Lake Alan Henry | 71 % full · 96k ac-ft | 70 km |
| Lake J.B. Thomas | 20 % full · 200k ac-ft | 71 km |
| Lk J. B. Thomas nr Vincent, TX | 39,840 Acre-ft (USGS, no capacity on file) | 71 km |
| Lake Abilene | 8 % full · 8k ac-ft | 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 #
26 gauges · 0 flooding · 0 with quality panels · 4 stale
Sites found: 26, 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 |
|---|---|---|
| Clear Fk Brazos Rv nr Roby, TX | flow 0.00 ft³/s · no flooding | 5 km |
| Clear Fk Brazos Rv nr Noodle, TX | flow 2.77 ft³/s · STALE | 32 km |
| West Central Texas Lakes at Lake Sweetwater | no flooding | 35 km |
| DMF Brazos Rv nr Aspermont, TX | flow 6.92 ft³/s · no flooding | 36 km |
| Clear Fk Brazos Rv at FM 3116 nr Anson, TX | flow 0.00 ft³/s | 41 km |
| Deep Ck nr Dunn, TX | flow 0.00 ft³/s · no flooding | 51 km |
| Clear Fk Brazos Rv at Hwy 83 nr Hawley, TX | flow 0.00 ft³/s · no flooding | 57 km |
| Colorado Rv nr Cuthbert, TX | flow 0.00 ft³/s · STALE | 59 km |
| Colorado Rv at Colorado City, TX | flow 0.00 ft³/s · no flooding | 59 km |
| DMF Brazos Rv nr Rule, TX | flow 12.6 ft³/s · STALE | 65 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 (0.60)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.71 / 0.65
Banks & federal dollars #
$134.3 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,599, highly concentrated. $45.9 m federal obligations in FY2026 (direct payments $40.3 m, grants $5.6 m), $58,693 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank | $90.4 m · 67.3% share · 1 office | |
| First Financial Bank | $43.9 m · 32.7% share · 1 office | |
| Fisher, TX | $45.9 m FY2026 · $58,693/job | |
| MULTIPLE RECIPIENTS | $21.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank | $90,399,000 | 67.3% | 1 |
| First Financial Bank | $43,901,000 | 32.7% | 1 |
Deposit concentration is 5,599 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 = 67.3² + 32.7² = 5,599
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 | $19,396,639 |
| Department of Agriculture | $18,892,370 |
| Department of Transportation | $4,887,303 |
| Department of Veterans Affairs | $1,898,789 |
| Department of Housing and Urban Development | $671,716 |
| Railroad Retirement Board | $79,728 |
| Department of Education | $46,389 |
| Federal Communications Commission | $25,019 |
That is $58,693 per covered job, against 782 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $45.9 m / 782 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $58,693
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 #
Fisher County, TX: 14 findings, 1 at an alert level, 1 at a watch level and 12 noted
alertFisher County, TX's covered employment is -3.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchFisher County, TX's covered employment is -3.7% 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 = -3.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFisher County, TX's average weekly wage was 9.3% 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
- +9.3 % = 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
noteFisher County, TX's covered employment was 3.7% 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
- -3.7 % = 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
noteFisher County, TX's typical home value rose 0.5% from $108,403 in July 2026 to $108,983 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (108983.02533958199 - 108402.6875518716) / 108402.6875518716 × 100
- 108983.02533958199 = Zillow ZHVI, 2026-08
- 108402.6875518716 = Zillow ZHVI, 2026-07
Read all 12 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.