Guadalupe County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.58, -97.95.
Assembled 2026-10-06. Read the brief.
- 68th pct · 962nd of 3,063 US counties · median $234,566
- 78th pct · 53rd of 243 Texas counties · median $215,660
- 28th pct · 6th of 8 counties in the San Antonio-New Braunfels metro · median $327,528
- 10th pct · 2,731st of 3,063 US counties · median +2.9%
- 31st pct · 167th of 243 Texas counties · median +0.0%
- 42nd pct · 5th of 8 counties in the San Antonio-New Braunfels metro · median -1.5%
- 64th pct · 492nd of 1,399 US counties · median $1,496
- 83rd pct · 18th of 106 Texas counties · median $1,483
- 100th pct · 1st of 8 counties in the San Antonio-New Braunfels metro · median $1,528
- 84th pct · 503rd of 3,221 US counties · median 8,232
- 86th pct · 35th of 254 Texas counties · median 6,022
- 71st pct · 3rd of 8 counties in the San Antonio-New Braunfels metro · median 17,217
- 79th pct · 652nd of 3,221 US counties · median $1,039
- 68th pct · 80th of 254 Texas counties · median $1,115
- 71st pct · 3rd of 8 counties in the San Antonio-New Braunfels metro · median $1,227
- 56th pct · 1,319th of 3,063 US counties · median 4.3
- 75th pct · 61st of 243 Texas counties · median 3.6
- 28th pct · 6th of 8 counties in the San Antonio-New Braunfels metro · median 6.5
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 $296,347 (Aug 2026), -1.8% over one year, +3.5% over five
- 68th pct · 962nd of 3,063 US counties · median $234,566
- 78th pct · 53rd of 243 Texas counties · median $215,660
- 28th pct · 6th of 8 counties in the San Antonio-New Braunfels metro · median $327,528
| Item | Value | Distance |
|---|---|---|
| Guadalupe County, TX | $296,347 · -1.8% 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 $1,678/mo (Aug 2026), +0.4% over one year; price-to-rent 14.7
- 64th pct · 492nd of 1,399 US counties · median $1,496
- 83rd pct · 18th of 106 Texas counties · median $1,483
- 100th pct · 1st of 8 counties in the San Antonio-New Braunfels metro · median $1,528
| Item | Value | Distance |
|---|---|---|
| Guadalupe County, TX | $1,678/mo · +0.4% 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 $1,622 a month on $296,347 at 7.28%, against an average weekly wage worth $5,356 a month: 30.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $296,347 × 80% = $237,078, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,622/mo principal and interest
- wage share = payment / (avg weekly wage $1,236 × 52 / 12 = $5,356) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $296,347 / ($1,236 × 52) = 4.6
- price-to-rent = $296,347 / ($1,678 × 12) = 14.7
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 #
50,255 jobs at 2,791 employers (2026 Q1); +1.3% jobs and +5.2% average weekly wage over the year
- 84th pct · 503rd of 3,221 US counties · median 8,232
- 86th pct · 35th of 254 Texas counties · median 6,022
- 71st pct · 3rd of 8 counties in the San Antonio-New Braunfels metro · median 17,217
| Item | Value | Distance |
|---|---|---|
| Guadalupe County, TX | 50,255 jobs · $1,236/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,266 | $1,616 | 2.29 | -3.9% |
| Retail trade | 5,975 | $813 | 1.22 | -3.8% |
| Accommodation and food services | 5,211 | $476 | 1.15 | +2.0% |
| Construction | 4,413 | $1,406 | 1.68 | +7.8% |
| Transportation and warehousing | 3,675 | $1,004 | 1.74 | +2.2% |
| Health care and social assistance | 3,293 | $1,024 | 0.44 | +0.1% |
| Administrative and waste services | 1,629 | $1,008 | 0.57 | +6.3% |
| Wholesale trade | 1,412 | $1,561 | 0.73 | -7.0% |
| Other services | 1,412 | $876 | 0.94 | +7.5% |
| Professional and technical services | 1,258 | $1,230 | 0.36 | -3.7% |
| Educational services | 976 | $739 | 0.90 | -6.3% |
| Management of companies | 754 | $4,471 | 0.90 | -5.3% |
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 | 40 km |
| Lake Austin | 97 % full · 24k ac-ft | 83 km |
| Lake Travis | 95 % full · 1,098k ac-ft | 90 km |
| Medina Lake | 29 % full · 255k ac-ft | 95 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 112 km |
| Lake L. B. Johnson | 98 % full · 113k ac-ft | 115 km |
| Coleto Creek Reservoir | 75 % full · 31k ac-ft | 122 km |
| Lake Georgetown | 80 % full · 38k ac-ft | 123 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 (0.38)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.23 / 0.65
Banks & federal dollars #
$2.6 bn in deposits at 22 offices of 13 banks (SOD June 2026); HHI 1,452, moderately concentrated. $1.5 bn federal obligations in FY2026 (direct payments $1.4 bn, grants $63.7 m), $29,851 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank and Trust Company | $688.3 m · 26.2% share · 4 offices | |
| Schertz Bank & Trust | $457.1 m · 17.4% share · 3 offices | |
| Broadway National Bank | $397.9 m · 15.1% share · 2 offices | |
| Guadalupe, TX | $1.5 bn FY2026 · $29,851/job | |
| MULTIPLE RECIPIENTS | $1.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank and Trust Company | $688,257,000 | 26.2% | 4 |
| Schertz Bank & Trust | $457,114,000 | 17.4% | 3 |
| Broadway National Bank | $397,855,000 | 15.1% | 2 |
| Frost Bank | $235,326,000 | 8.9% | 1 |
| Bank of America, National Association | $162,274,000 | 6.2% | 2 |
| Wells Fargo Bank, National Association | $144,203,000 | 5.5% | 2 |
| JPMorgan Chase Bank, National Association | $132,837,000 | 5.0% | 1 |
| First Commercial Bank, National Association | $130,416,000 | 5.0% | 1 |
| Marion State Bank | $124,029,000 | 4.7% | 1 |
| Simmons Bank | $100,185,000 | 3.8% | 1 |
Deposit concentration is 1,452 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 26.2² + 17.4² + 15.1² + … (10 more) = 1,452
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 | $772,191,966 |
| Department of Veterans Affairs | $639,287,309 |
| Department of Transportation | $58,162,160 |
| Department of Housing and Urban Development | $6,730,153 |
| Railroad Retirement Board | $4,801,107 |
| General Services Administration | $4,798,675 |
| Department of Education | $4,177,728 |
| Department of Health and Human Services | $3,793,336 |
| Department of Defense | $3,314,709 |
| Department of Agriculture | $2,205,028 |
| Department of Labor | $644,933 |
| Federal Communications Commission | $590,370 |
That is $29,851 per covered job, against 50,255 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.5 bn / 50,255 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,851
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 #
Guadalupe County, TX: 8 findings, 1 at a watch level and 7 noted
watchGuadalupe County, TX's typical home value is -1.8% 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 = -1.8449525658440342 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteGuadalupe County, TX's average weekly wage was 5.2% 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
- +5.2 % = 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
noteGuadalupe County, TX's covered employment was 1.3% 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
- +1.3 % = 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
noteGuadalupe County, TX's typical asking rent fell 0.4% from $1,684 in July 2026 to $1,678 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1678.2785792094617 - 1684.2671298324683) / 1684.2671298324683 × 100
- 1678.2785792094617 = Zillow ZORI, 2026-08
- 1684.2671298324683 = Zillow ZORI, 2026-07
noteGuadalupe County, TX's price-to-rent ratio of 14.7 ranks 8th of 8 counties in the San Antonio-New Braunfels metro, against a median of 19.0.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 8 counties in the San Antonio-New Braunfels metro that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
Read all 8 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.