Gillespie County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.33, -98.94.
Assembled 2026-10-06. Read the brief.
- 94th pct · 179th of 3,063 US counties · median $234,566
- 99th pct · 3rd of 243 Texas counties · median $215,660
- 5th pct · 2,890th of 3,063 US counties · median +2.9%
- 12th pct · 212th of 243 Texas counties · median +0.0%
- 89th pct · 147th of 1,399 US counties · median $1,496
- 99th pct · 2nd of 106 Texas counties · median $1,483
- 60th pct · 1,284th of 3,221 US counties · median 8,232
- 67th pct · 84th of 254 Texas counties · median 6,022
- 53rd pct · 1,504th of 3,221 US counties · median $1,039
- 38th pct · 157th of 254 Texas counties · median $1,115
- 96th pct · 106th of 3,063 US counties · median 4.3
- 100th pct · 1st 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 $515,009 (Aug 2026), -4.0% over one year, +5.5% over five
- 94th pct · 179th of 3,063 US counties · median $234,566
- 99th pct · 3rd of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Gillespie County, TX | $515,009 · -4.0% 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 #
Typical rent $2,180/mo (Aug 2026), n/a over one year; price-to-rent 19.7
- 89th pct · 147th of 1,399 US counties · median $1,496
- 99th pct · 2nd of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Gillespie County, TX | $2,180/mo · n/a 1-yr |
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 $2,819 a month on $515,009 at 7.28%, against an average weekly wage worth $4,563 a month: 61.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $515,009 × 80% = $412,007, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,819/mo principal and interest
- wage share = payment / (avg weekly wage $1,053 × 52 / 12 = $4,563) = 62% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $515,009 / ($1,053 × 52) = 9.4
- price-to-rent = $515,009 / ($2,180 × 12) = 19.7
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 #
12,528 jobs at 1,253 employers (2026 Q1); 0.0% jobs and +6.7% average weekly wage over the year
- 60th pct · 1,284th of 3,221 US counties · median 8,232
- 67th pct · 84th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Gillespie County, TX | 12,528 jobs · $1,053/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 2,206 | $594 | 1.96 | -0.3% |
| Retail trade | 1,860 | $749 | 1.52 | +0.2% |
| Health care and social assistance | 1,832 | $1,341 | 0.97 | +7.2% |
| Manufacturing | 1,483 | $894 | 1.47 | -1.8% |
| Professional and technical services | 454 | $1,815 | 0.53 | +0.9% |
| Arts, entertainment and recreation | 405 | $930 | 1.96 | +13.4% |
| Finance and insurance | 375 | $2,343 | 0.73 | +1.1% |
| Wholesale trade | 336 | $1,228 | 0.70 | -6.7% |
| Other services | 261 | $911 | 0.70 | -0.4% |
| Administrative and waste services | 251 | $1,075 | 0.35 | +0.0% |
| Real estate and rental | 225 | $1,160 | 1.17 | +22.3% |
| Educational services | 118 | $879 | 0.44 | +3.5% |
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 #
D1 moderate 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 #
Surface water layer not loaded
Sites found: 11, 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 L. B. Johnson | 98 % full · 113k ac-ft | 63 km |
| Lake Buchanan | 96 % full · 867k ac-ft | 69 km |
| Inks Lake | 94 % full · 14k ac-ft | 70 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 70 km |
| Medina Lake | 29 % full · 255k ac-ft | 87 km |
| Canyon Lake | 98 % full · 379k ac-ft | 88 km |
| Lake Travis | 95 % full · 1,098k ac-ft | 100 km |
| Brady Creek Reservoir | 84 % full · 29k ac-ft | 100 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 #
Surface water layer not loaded
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 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 #
low (0.22)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.18 / 0.65
Banks & federal dollars #
$1.6 bn in deposits at 18 offices of 13 banks (SOD June 2026); HHI 1,889, highly concentrated. $275.1 m federal obligations in FY2026 (direct payments $250.4 m, contracts $22.1 m), $21,958 per covered job
| Item | Value | Distance |
|---|---|---|
| Security State Bank & Trust | $522.4 m · 31.8% share · 4 offices | |
| First United Bank and Trust Company | $341.6 m · 20.8% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $284.9 m · 17.3% share · 1 office | |
| Gillespie, TX | $275.1 m FY2026 · $21,958/job | |
| MULTIPLE RECIPIENTS | $244.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security State Bank & Trust | $522,363,000 | 31.8% | 4 |
| First United Bank and Trust Company | $341,617,000 | 20.8% | 2 |
| JPMorgan Chase Bank, National Association | $284,882,000 | 17.3% | 1 |
| Centennial Bank | $127,288,000 | 7.7% | 1 |
| Arrowhead Bank | $86,218,000 | 5.2% | 1 |
| Broadway National Bank | $82,282,000 | 5.0% | 1 |
| Guadalupe Bank | $63,558,000 | 3.9% | 1 |
| Texas Regional Bank | $51,093,000 | 3.1% | 1 |
| PNC Bank, National Association | $42,534,000 | 2.6% | 1 |
| Prosperity Bank | $34,352,000 | 2.1% | 2 |
Deposit concentration is 1,889 across 13 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 31.8² + 20.8² + 17.3² + … (10 more) = 1,889
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 | $219,011,407 |
| Department of Veterans Affairs | $39,502,848 |
| Department of Defense | $6,033,640 |
| Department of Agriculture | $5,526,280 |
| Department of Transportation | $3,073,683 |
| Railroad Retirement Board | $1,106,464 |
| Federal Communications Commission | $731,192 |
| General Services Administration | $376,413 |
| Department of Housing and Urban Development | $300,580 |
| Department of Education | $78,350 |
| Small Business Administration | $48,056 |
| Department of the Interior | $27,232 |
That is $21,958 per covered job, against 12,528 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $275.1 m / 12,528 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,958
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Gillespie County, TX: 11 findings, 2 at a watch level and 9 noted
watchGillespie County, TX's years of wages of 9.4 ranks 106th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 96.5708687132593 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchGillespie County, TX's typical home value is -4.0% 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 = -4.001613009408726 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteGillespie County, TX's average weekly wage was 6.7% 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
- +6.7 % = 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
noteGillespie County, TX's typical asking rent rose 0.6% from $2,166 in July 2026 to $2,180 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.6% = (2180.222222222222 - 2166.1660960770237) / 2166.1660960770237 × 100
- 2180.222222222222 = Zillow ZORI, 2026-08
- 2166.1660960770237 = Zillow ZORI, 2026-07
noteGillespie County, TX's typical home value rose 0.3% from $513,672 in July 2026 to $515,009 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (515009.0286751541 - 513671.9939710694) / 513671.9939710694 × 100
- 515009.0286751541 = Zillow ZHVI, 2026-08
- 513671.9939710694 = Zillow ZHVI, 2026-07
Read all 11 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.