Foard County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.96, -99.82.
Assembled 2026-10-07. Read the brief.
- 0th pct · 3,033rd of 3,063 US counties · median $234,566
- 1st pct · 239th of 243 Texas counties · median $215,660
- 4th pct · 2,933rd of 3,063 US counties · median +2.9%
- 8th pct · 223rd of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 1st pct · 3,178th of 3,221 US counties · median 8,232
- 2nd pct · 247th of 254 Texas counties · median 6,022
- 39th pct · 1,963rd of 3,221 US counties · median $1,039
- 24th pct · 191st of 254 Texas counties · median $1,115
- 1st pct · 3,026th of 3,063 US counties · median 4.3
- 5th pct · 230th 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 $80,527 (Aug 2026), -5.0% over one year, n/a over five
- 0th pct · 3,033rd of 3,063 US counties · median $234,566
- 1st pct · 239th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Foard County, TX | $80,527 · -5.0% 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 $441 a month on $80,527 at 7.28%, against an average weekly wage worth $4,294 a month: 10.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $80,527 × 80% = $64,422, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $441/mo principal and interest
- wage share = payment / (avg weekly wage $991 × 52 / 12 = $4,294) = 10% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $80,527 / ($991 × 52) = 1.6
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 #
364 jobs at 53 employers (2026 Q1); -9.0% jobs and +15.1% average weekly wage over the year
- 1st pct · 3,178th of 3,221 US counties · median 8,232
- 2nd pct · 247th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Foard County, TX | 364 jobs · $991/wk · -9.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 53 | $817 | 0.97 | +0.0% |
| Accommodation and food services | 37 | $354 | 1.13 | +8.8% |
| Retail trade | 26 | $517 | 0.73 | -7.1% |
| Construction | 13 | $918 | 0.68 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | 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 #
D4 exceptional 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 #
56 % of conservation capacity, weighted over 9 TWDB reservoirs
Sites found: 12, 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 Kemp | 63 % full · 245k ac-ft | 66 km |
| Millers Creek Reservoir | 57 % full · 27k ac-ft | 73 km |
| North Fork Buffalo Creek Reservoir | 71 % full · 15k ac-ft | 98 km |
| Lake Kickapoo | 77 % full · 86k ac-ft | 102 km |
| Lake Stamford | 62 % full · 52k ac-ft | 103 km |
| Lake Frederick nr Frederick, OK | 7,748 Acre-ft (USGS, no capacity on file) | 105 km |
| Lake Altus at Lugert, OK | 31,520 Acre-ft (USGS, no capacity on file) | 113 km |
| White River Reservoir | 21 % full · 32k ac-ft | 130 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 #
17 gauges · 0 flooding · 1 with quality panels averaging 50 % · 3 stale
Sites found: 17, 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 |
|---|---|---|
| S Wichita Rv at Low Flow Dam nr Guthrie, TX | temp 26.0 °C · quality 50 % (2) · no flooding | 52 km |
| N Wichita Rv nr Truscott, TX | flow 7.03 ft³/s | 16 km |
| Bluff Creek (N TX) at Truscott Brine Lake | no readings | 18 km |
| N Wichita Rv nr Paducah, TX | flow 7.00 ft³/s · no flooding · STALE | 23 km |
| Middle Wichita River at Guthrie 19NE | no flooding | 30 km |
| S Wichita Rv nr Benjamin, TX | flow 0.00 ft³/s | 36 km |
| Pease Rv nr Childress, TX | flow 9.10 ft³/s · observation not current · STALE | 38 km |
| Groesbeck Ck at SH 6 nr Quanah, TX | flow 1.71 ft³/s | 44 km |
| Wichita Rv nr Seymour, TX | flow 0.00 ft³/s | 49 km |
| Pease Rv nr Vernon, TX | flow 0.00 ft³/s · no flooding | 51 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-342544099433201 | depth 39.5 ft · 1988-04-19 | 52 km |
| USGS-343041099451001 | depth 27.3 ft · 1989-01-18 | 61 km |
| USGS-332330099445601 | depth 41.3 ft · 2005-09-29 | 64 km |
| USGS-342835099230401 | depth 10.3 ft · 2017-07-05 | 70 km |
| USGS-343410099364401 | depth 20.2 ft · 1989-01-18 | 70 km |
| USGS-343724099434902 | depth 40.2 ft · 1988-03-18 | 74 km |
| USGS-343724099434901 | depth 37.3 ft · 1988-03-09 | 74 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 #
high (0.68)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 + 0.3×0.44 + 0.2×0.50 / 0.85
Banks & federal dollars #
$51.0 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $16.9 m federal obligations in FY2026 (direct payments $11.4 m, grants $5.4 m), $46,292 per covered job
| Item | Value | Distance |
|---|---|---|
| Crowell State Bank | $51.0 m · 100.0% share · 1 office | |
| Foard, TX | $16.9 m FY2026 · $46,292/job | |
| MULTIPLE RECIPIENTS | $7.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Crowell State Bank | $50,972,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $6,037,898 |
| Department of Health and Human Services | $5,337,821 |
| Department of Agriculture | $4,220,440 |
| Department of Veterans Affairs | $1,002,560 |
| Department of Housing and Urban Development | $131,372 |
| Federal Communications Commission | $120,000 |
| Railroad Retirement Board | $40,124 |
| Department of Education | $16,156 |
| Department of Transportation | -$56,217 |
That is $46,292 per covered job, against 364 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $16.9 m / 364 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $46,292
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 #
Foard County, TX: 20 findings, 1 at an alert level, 2 at a watch level and 17 noted
alertFoard County, TX's covered employment is -9.0% 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 = -9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchFoard County, TX's covered employment is -9.0% 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 = -9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFoard County, TX's typical home value is -5.0% 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 = -4.981212836710493 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteFoard County, TX's average weekly wage was 15.1% 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
- +15.1 % = 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
noteFoard County, TX's covered employment was 9.0% 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
- -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
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.