Gonzales County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.46, -97.49.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,241st of 3,063 US counties · median $234,566
- 69th pct · 76th of 243 Texas counties · median $215,660
- 3rd pct · 2,968th of 3,063 US counties · median +2.9%
- 4th pct · 231st of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 46th pct · 1,721st of 3,221 US counties · median 8,232
- 54th pct · 116th of 254 Texas counties · median 6,022
- 62nd pct · 1,201st of 3,221 US counties · median $1,039
- 47th pct · 134th of 254 Texas counties · median $1,115
- 55th pct · 1,350th of 3,063 US counties · median 4.3
- 73rd pct · 64th 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 $261,831 (Aug 2026), -6.6% over one year, -9.7% over five
- 59th pct · 1,241st of 3,063 US counties · median $234,566
- 69th pct · 76th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Gonzales County, TX | $261,831 · -6.6% 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 $1,433 a month on $261,831 at 7.28%, against an average weekly wage worth $4,771 a month: 30.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $261,831 × 80% = $209,465, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,433/mo principal and interest
- wage share = payment / (avg weekly wage $1,101 × 52 / 12 = $4,771) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $261,831 / ($1,101 × 52) = 4.6
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 #
7,178 jobs at 535 employers (2026 Q1); -0.9% jobs and +1.8% average weekly wage over the year
- 46th pct · 1,721st of 3,221 US counties · median 8,232
- 54th pct · 116th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Gonzales County, TX | 7,178 jobs · $1,101/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 909 | $1,322 | 1.57 | -6.7% |
| Agriculture, forestry, fishing | 900 | $977 | 17.36 | +15.2% |
| Retail trade | 794 | $684 | 1.14 | -3.8% |
| Mining, oil and gas | 330 | $2,068 | 12.91 | -4.3% |
| Transportation and warehousing | 326 | $1,277 | 1.08 | +11.3% |
| Wholesale trade | 285 | $1,190 | 1.04 | -6.6% |
| Construction | 171 | $985 | 0.45 | -5.0% |
| Finance and insurance | 171 | $1,505 | 0.58 | -2.3% |
| Utilities | 168 | $2,418 | 5.93 | -0.6% |
| Professional and technical services | 96 | $4,033 | 0.19 | -6.8% |
| Other services | 94 | $581 | 0.44 | +0.0% |
| Administrative and waste services | 88 | $944 | 0.22 | -11.1% |
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 #
Surface water layer not loaded
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 |
|---|---|---|
| Canyon Lake | 98 % full · 379k ac-ft | 82 km |
| Coleto Creek Reservoir | 75 % full · 31k ac-ft | 87 km |
| Lake Austin | 97 % full · 24k ac-ft | 99 km |
| Lake Texana | 89 % full · 159k ac-ft | 109 km |
| Lake Travis | 95 % full · 1,098k ac-ft | 111 km |
| Choke Canyon Reservoir | 22 % full · 663k ac-ft | 131 km |
| Somerville Lake | 91 % full · 150k ac-ft | 134 km |
| Lake Georgetown | 80 % full · 38k ac-ft | 136 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 #
moderate (0.40)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.27 / 0.65
Banks & federal dollars #
$718.5 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 2,976, highly concentrated. $121.6 m federal obligations in FY2026 (direct payments $108.3 m, grants $13.1 m), $16,942 per covered job
| Item | Value | Distance |
|---|---|---|
| Sage Capital Bank, | $351.2 m · 48.9% share · 1 office | |
| Prosperity Bank | $108.9 m · 15.2% share · 1 office | |
| SouthStar Bank, S.S.B. | $85.7 m · 11.9% share · 1 office | |
| Gonzales, TX | $121.6 m FY2026 · $16,942/job | |
| MULTIPLE RECIPIENTS | $107.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Sage Capital Bank, | $351,188,000 | 48.9% | 1 |
| Prosperity Bank | $108,886,000 | 15.2% | 1 |
| SouthStar Bank, S.S.B. | $85,738,000 | 11.9% | 1 |
| Wells Fargo Bank, National Association | $83,820,000 | 11.7% | 1 |
| The Huntington National Bank | $52,212,000 | 7.3% | 1 |
| Third Coast Bank | $36,610,000 | 5.1% | 1 |
Deposit concentration is 2,976 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 48.9² + 15.2² + 11.9² + … (3 more) = 2,976
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 | $93,140,408 |
| Department of Veterans Affairs | $13,176,282 |
| Department of Transportation | $8,943,295 |
| Department of Health and Human Services | $3,390,248 |
| Department of Agriculture | $1,287,119 |
| Department of Housing and Urban Development | $1,015,307 |
| Railroad Retirement Board | $648,424 |
| Federal Communications Commission | $9,459 |
| Small Business Administration | $0 |
| Department of the Interior | -$2 |
That is $16,942 per covered job, against 7,178 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $121.6 m / 7,178 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,942
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 #
Gonzales County, TX: 12 findings, 1 at an alert level, 3 at a watch level and 8 noted
alertGonzales County, TX's typical home value is -6.6% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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 2026-08.Show the arithmetic
- test: home.yoyPct = -6.635939383052107 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchGonzales County, TX's typical home value is -6.6% 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 = -6.635939383052107 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchGonzales County, TX's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchGonzales County, TX's momentum index is -0.25, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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 2026-08.Show the arithmetic
- test: momentum = -0.25185668410772144 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
noteGonzales County, TX's average weekly wage was 1.8% 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
- +1.8 % = 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.