Hall County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.45, -100.58.
Assembled 2026-10-06. Read the brief.
- 1st pct · 3,021st of 3,063 US counties · median $234,566
- 2nd pct · 236th of 243 Texas counties · median $215,660
- 95th pct · 154th of 3,063 US counties · median +2.9%
- 94th pct · 14th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 4th pct · 3,086th of 3,221 US counties · median 8,232
- 7th pct · 236th of 254 Texas counties · median 6,022
- 4th pct · 3,062nd of 3,221 US counties · median $1,039
- 0th pct · 252nd of 254 Texas counties · median $1,115
- 5th pct · 2,885th of 3,063 US counties · median 4.3
- 16th pct · 204th 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 $88,201 (Aug 2026), +9.5% over one year, n/a over five
- 1st pct · 3,021st of 3,063 US counties · median $234,566
- 2nd pct · 236th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Hall County, TX | $88,201 · +9.5% 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
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 $483 a month on $88,201 at 7.28%, against an average weekly wage worth $3,384 a month: 14.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $88,201 × 80% = $70,561, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $483/mo principal and interest
- wage share = payment / (avg weekly wage $781 × 52 / 12 = $3,384) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $88,201 / ($781 × 52) = 2.2
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 #
713 jobs at 123 employers (2026 Q1); -0.1% jobs and +11.3% average weekly wage over the year
- 4th pct · 3,086th of 3,221 US counties · median 8,232
- 7th pct · 236th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Hall County, TX | 713 jobs · $781/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 149 | $609 | 2.14 | +8.8% |
| Agriculture, forestry, fishing | 76 | $883 | 14.76 | -2.6% |
| Health care and social assistance | 55 | $676 | 0.51 | +19.6% |
| Finance and insurance | 39 | $935 | 1.34 | +0.0% |
| Wholesale trade | 14 | $673 | 0.51 | -6.7% |
| Other services | 14 | $656 | 0.66 | +0.0% |
| Construction | 10 | $592 | 0.27 | +0.0% |
| Transportation and warehousing | 7 | $651 | 0.23 | +0.0% |
| Information | 7 | $2,374 | 0.53 | +0.0% |
| Utilities | 4 | $904 | 1.42 | +0.0% |
| 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 #
D3 extreme 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: 3, 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 |
|---|---|---|
| Greenbelt Lake | 5 % full · 60k ac-ft | 67 km |
| Mackenzie Reservoir | 11 % full · 46k ac-ft | 80 km |
| White River Reservoir | 21 % full · 32k ac-ft | 120 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 #
severe (0.82)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.90 / 0.65
Banks & federal dollars #
$96.3 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,914, highly concentrated. $22.1 m federal obligations in FY2026 (direct payments $21.0 m, grants $1.2 m), $31,051 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank19 | $63.1 m · 65.5% share · 1 office | |
| Wellington State Bank | $20.5 m · 21.2% share · 1 office | |
| Centennial Bank | $12.8 m · 13.3% share · 1 office | |
| Hall, TX | $22.1 m FY2026 · $31,051/job | |
| MULTIPLE RECIPIENTS | $15.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank19 | $63,052,000 | 65.5% | 1 |
| Wellington State Bank | $20,466,000 | 21.2% | 1 |
| Centennial Bank | $12,798,000 | 13.3% | 1 |
Deposit concentration is 4,914 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 65.5² + 21.2² + 13.3² = 4,914
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 | $14,045,815 |
| Department of Agriculture | $5,104,305 |
| Department of Veterans Affairs | $1,480,082 |
| Environmental Protection Agency | $476,000 |
| Department of Housing and Urban Development | $464,290 |
| Railroad Retirement Board | $346,072 |
| Department of Transportation | $225,144 |
| Department of the Treasury | -$2,124 |
That is $31,051 per covered job, against 713 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $22.1 m / 713 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,051
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 | -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 #
Hall County, TX: 16 findings, 1 at a watch level and 15 noted
watchHall County, TX's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHall County, TX's average weekly wage was 11.3% 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
- +11.3 % = 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
noteHall County, TX's typical home value fell 0.5% from $88,639 in July 2026 to $88,201 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.5% = (88200.79866826792 - 88638.92884939455) / 88638.92884939455 × 100
- 88200.79866826792 = Zillow ZHVI, 2026-08
- 88638.92884939455 = Zillow ZHVI, 2026-07
noteHall County, TX's covered employment was 0.1% 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
- -0.1 % = 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
noteHall County, TX's average weekly wage of $781 ranks 252nd of 254 Texas counties, against a median of $1,115.
Period 2026 Q1.Show the arithmetic
- 1 on the 0-to-100 scale across 254 Texas counties that published jobs.avgWeeklyWage
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.