Garza County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.18, -101.30.
Assembled 2026-10-07. Read the brief.
- 8th pct · 2,789th of 3,063 US counties · median $234,566
- 14th pct · 207th of 243 Texas counties · median $215,660
- 40th pct · 4th of 6 counties in the Lubbock metro · median $150,480
- 44th pct · 1,703rd of 3,063 US counties · median +2.9%
- 73rd pct · 66th of 243 Texas counties · median +0.0%
- 80th pct · 2nd of 6 counties in the Lubbock metro · median +2.1%
- US counties: not published this period
- Texas counties: not published this period
- counties in the Lubbock metro: not published this period
- 11th pct · 2,837th of 3,221 US counties · median 8,232
- 22nd pct · 198th of 254 Texas counties · median 6,022
- 60th pct · 3rd of 6 counties in the Lubbock metro · median 1,469
- 38th pct · 1,970th of 3,221 US counties · median $1,039
- 24th pct · 192nd of 254 Texas counties · median $1,115
- 20th pct · 5th of 6 counties in the Lubbock metro · median $1,158
- 10th pct · 2,731st of 3,063 US counties · median 4.3
- 23rd pct · 185th of 243 Texas counties · median 3.6
- 60th pct · 3rd of 6 counties in the Lubbock metro · median 2.3
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 $130,031 (Aug 2026), +2.5% over one year, -21.7% over five
- 8th pct · 2,789th of 3,063 US counties · median $234,566
- 14th pct · 207th of 243 Texas counties · median $215,660
- 40th pct · 4th of 6 counties in the Lubbock metro · median $150,480
| Item | Value | Distance |
|---|---|---|
| Garza County, TX | $130,031 · +2.5% 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
- counties in the Lubbock metro: 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 $712 a month on $130,031 at 7.28%, against an average weekly wage worth $4,286 a month: 16.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $130,031 × 80% = $104,025, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $712/mo principal and interest
- wage share = payment / (avg weekly wage $989 × 52 / 12 = $4,286) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $130,031 / ($989 × 52) = 2.5
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 #
1,542 jobs at 169 employers (2026 Q1); +14.5% jobs and +4.3% average weekly wage over the year
- 11th pct · 2,837th of 3,221 US counties · median 8,232
- 22nd pct · 198th of 254 Texas counties · median 6,022
- 60th pct · 3rd of 6 counties in the Lubbock metro · median 1,469
| Item | Value | Distance |
|---|---|---|
| Garza County, TX | 1,542 jobs · $989/wk · +14.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 230 | $1,523 | 41.89 | -0.4% |
| Retail trade | 150 | $490 | 1.00 | +0.0% |
| Health care and social assistance | 76 | $583 | 0.33 | +0.0% |
| Transportation and warehousing | 65 | $2,331 | 1.00 | +16.1% |
| Other services | 61 | $531 | 1.32 | +17.3% |
| Administrative and waste services | 56 | $1,297 | 0.64 | -1.8% |
| Agriculture, forestry, fishing | 46 | $592 | 4.13 | +0.0% |
| Wholesale trade | 43 | $1,487 | 0.73 | +4.9% |
| Finance and insurance | 15 | $976 | 0.24 | +7.1% |
| Professional and technical services | 11 | $1,143 | 0.10 | +22.2% |
| Construction | withheld | |||
| Manufacturing | 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.
Water #
Banks & federal dollars #
$205.0 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 6,976, highly concentrated. $27.5 m federal obligations in FY2026 (direct payments $27.1 m, grants $438,146), $17,848 per covered job
| Item | Value | Distance |
|---|---|---|
| Centennial Bank | $167.0 m · 81.4% share · 1 office | |
| Cornerstone Capital Bank, SSB | $38.1 m · 18.6% share · 1 office | |
| Garza, TX | $27.5 m FY2026 · $17,848/job | |
| MULTIPLE RECIPIENTS | $19.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Centennial Bank | $166,957,000 | 81.4% | 1 |
| Cornerstone Capital Bank, SSB | $38,072,000 | 18.6% | 1 |
Deposit concentration is 6,976 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 = 81.4² + 18.6² = 6,976
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 | $17,768,177 |
| Department of Agriculture | $7,266,287 |
| Department of Veterans Affairs | $1,579,981 |
| Department of Housing and Urban Development | $413,540 |
| Railroad Retirement Board | $270,034 |
| Federal Communications Commission | $209,191 |
| Department of Education | $14,877 |
That is $17,848 per covered job, against 1,542 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $27.5 m / 1,542 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,848
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 #
Garza County, TX: 12 findings, 12 noted
noteGarza County, TX's covered employment was 14.5% 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
- +14.5 % = 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
noteGarza 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
noteGarza County, TX's typical home value fell 0.6% from $130,879 in July 2026 to $130,031 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.6% = (130031.28304238127 - 130878.80704571171) / 130878.80704571171 × 100
- 130031.28304238127 = Zillow ZHVI, 2026-08
- 130878.80704571171 = Zillow ZHVI, 2026-07
noteGarza County, TX's covered employment of +14.5% ranks 1st of 6 counties in the Lubbock metro, against a median of -2.0%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Lubbock metro that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteGarza County, TX's momentum index of 0.65 ranks 1st of 6 counties in the Lubbock metro, against a median of 0.03.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Lubbock metro that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
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.