Harris County, TX

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.86, -95.39.

Assembled 2026-10-03. Read the brief.

Typical home value
$278,518
as of August 2026
  • 64th pct · 1,102nd of 3,063 US counties · median $234,566
  • 73rd pct · 64th of 243 Texas counties · median $215,660
Home value, one year
-2.1%
as of August 2026
  • 9th pct · 2,761st of 3,063 US counties · median +2.9%
  • 27th pct · 177th of 243 Texas counties · median +0.0%
Typical rent
$1,586
as of August 2026
  • 57th pct · 595th of 1,399 US counties · median $1,496
  • 72nd pct · 30th of 106 Texas counties · median $1,483
Jobs
2,436,205
as of 2026 Q1-01
  • 99th pct · 4th of 3,221 US counties · median 8,232
  • 100th pct · 1st of 254 Texas counties · median 6,022
Average weekly wage
$2,013
as of 2026 Q1-01
  • 98th pct · 49th of 3,221 US counties · median $1,039
  • 96th pct · 9th of 254 Texas counties · median $1,115
Years of wages per home
2.7
  • 13th pct · 2,653rd of 3,063 US counties · median 4.3
  • 28th pct · 175th 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 #

currentas of 2026 Q1retrieved 2026-10-03

Typical home $278,518 (Aug 2026), -2.1% over one year, +12.0% over five

  • 64th pct · 1,102nd of 3,063 US counties · median $234,566
  • 73rd pct · 64th of 243 Texas counties · median $215,660
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.
ItemValueDistance
Harris County, TX$278,518 · -2.1% 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 #

currentas of 2026 Q1retrieved 2026-10-03

Typical rent $1,586/mo (Aug 2026), -0.1% over one year; price-to-rent 14.6

  • 57th pct · 595th of 1,399 US counties · median $1,496
  • 72nd pct · 30th of 106 Texas counties · median $1,483
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
Harris County, TX$1,586/mo · -0.1% 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 #

currentretrieved 2026-10-03

Principal and interest of $1,525 a month on $278,518 at 7.28%, against an average weekly wage worth $8,723 a month: 17.5% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $278,518 × 80% = $222,814, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,525/mo principal and interest
  • wage share = payment / (avg weekly wage $2,013 × 52 / 12 = $8,723) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $278,518 / ($2,013 × 52) = 2.7
  • price-to-rent = $278,518 / ($1,586 × 12) = 14.6

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 #

currentas of 2026 Q1retrieved 2026-10-03

2.44 m jobs at 121,633 employers (2026 Q1); -0.8% jobs and +2.5% average weekly wage over the year

  • 99th pct · 4th of 3,221 US counties · median 8,232
  • 100th pct · 1st of 254 Texas counties · median 6,022
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.
ItemValueDistance
Harris County, TX2.44 m jobs · $2,013/wk · -0.8% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Health care and social assistance286,625$1,3620.78+0.3%
Accommodation and food services223,798$5701.02-1.8%
Professional and technical services214,563$2,7881.28-1.4%
Retail trade206,285$8570.87-1.4%
Administrative and waste services181,440$1,4401.31+0.9%
Construction181,039$1,9241.42+1.9%
Manufacturing178,192$2,2860.91+0.0%
Wholesale trade131,941$2,6791.41-3.1%
Transportation and warehousing131,729$2,4541.28-0.7%
Finance and insurance76,221$4,7240.77-0.6%
Other services73,267$1,2201.01-3.4%
Mining, oil and gas56,946$7,0106.56-7.3%

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 #

currentretrieved 2026-10-03

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 #

currentretrieved 2026-10-03

92 % of conservation capacity, weighted over 5 TWDB reservoirs

Sites found: 10, 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.

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.
SiteReadingDistance
Addicks Res nr Addicks, TX7,893 Acre-ft (USGS, no capacity on file)24 km
Lk Houston nr Sheldon, TX137,500 Acre-ft (USGS, no capacity on file)25 km
Lake Houston100 % full · 132k ac-ft25 km
Barker Res nr Addicks, TX2,131 Acre-ft (USGS, no capacity on file)27 km
Lake Conroe94 % full · 418k ac-ft58 km
Lk Conroe nr Conroe, TX397,100 Acre-ft (USGS, no capacity on file)58 km
Livingston Reservoir90 % full · 1,604k ac-ft93 km
Livingston Res nr Goodrich, TX1,447,000 Acre-ft (USGS, no capacity on file)93 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 #

currentretrieved 2026-10-03

126 gauges · 0 flooding · 24 with quality panels averaging 81 % · 10 stale

Sites found: 126, 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.
SiteReadingDistance
Old Rv at Buckeye Island nr Anahuac, TXtemp 29.7 °C · quality 50 % (2)63 km
W Fk San Jacinto Rv nr Conroe, TXflow 1,330 ft³/s · quality 80 % (5) · no flooding43 km
Trinity Bay site FISH nr Baytown, TXDO 3.80 mg/l · quality 50 % (4) · STALE56 km
Trinity Rv at IH 10 nr Wallisville, TXflow 128.0 ft³/s · quality 50 % (3)60 km
W Fk San Jacinto Rv nr Humble, TXflow 5,630 ft³/s · quality 80 % (5) · no flooding23 km
Brazos Rv at Richmond, TXflow 1,470 ft³/s · quality 75 % (4) · no flooding47 km
USGS-294617096021200DO 7.80 mg/l · quality 75 % (4) · STALE63 km
Galveston Bay site EAGLEP nr Bacliff, TXDO 7.20 mg/l · quality 63 % (4) · no flooding62 km
Spring Ck nr Spring, TXflow 1,970 ft³/s · quality 80 % (5) · no flooding28 km
Halls Bayou at Houston, TXflow 17.8 ft³/s5 km

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 #

currentretrieved 2026-10-03

27 wells in 1 named aquifer: Coastal lowlands aquifer system

Sites found: 27, 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.
SiteReadingDistance
USGS-294901095221001depth 202.6 ft · 2009-03-245 km
USGS-294728095200103depth 178.8 ft · 2026-10-019 km
USGS-294728095200106depth 253.6 ft · 2026-07-049 km
Coastal lowlands aquifer systemdepth 266.2 ft · 2026-10-0116 km
Coastal lowlands aquifer systemdepth 234.5 ft · 2024-03-1416 km
USGS-294726095351102depth 366.6 ft · 2026-10-0120 km
USGS-294726095351104depth 151.4 ft · 2026-10-0120 km
USGS-294726095351101depth 16.4 ft · 2026-10-0120 km

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 #

currentretrieved 2026-10-03

low (0.18)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.08 + 0.2×0.19 / 0.85

Banks & federal dollars #

currentretrieved 2026-10-03

$303.5 bn in deposits at 857 offices of 87 banks (SOD June 2026); HHI 3,039, highly concentrated. $26.0 bn federal obligations in FY2026 (direct payments $18.6 bn, contracts $4.9 bn), $10,663 per covered job

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.
ItemValueDistance
JPMorgan Chase Bank, National Association$161.6 bn · 53.2% share · 112 offices
Wells Fargo Bank, National Association$34.1 bn · 11.2% share · 91 offices
Bank of America, National Association$18.8 bn · 6.2% share · 72 offices
Harris, TX$26.0 bn FY2026 · $10,663/job
MULTIPLE RECIPIENTS$17.3 bn · top recipient FY2026
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
JPMorgan Chase Bank, National Association$161,550,894,00053.2%112
Wells Fargo Bank, National Association$34,063,989,00011.2%91
Bank of America, National Association$18,791,918,0006.2%72
Zions Bancorporation, N.A.$9,795,706,0003.2%34
PNC Bank, National Association$7,880,135,0002.6%47
Frost Bank$6,427,002,0002.1%46
The Huntington National Bank$6,256,840,0002.1%25
Stellar Bank$4,850,345,0001.6%25
Third Coast Bank$3,947,188,0001.3%3
Truist Bank$3,733,924,0001.2%16

Deposit concentration is 3,039 across 83 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 83 banks with deposits in the county = 53.2² + 11.2² + 6.2² + … (80 more) = 3,039

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 #

currentretrieved 2026-10-03

USAspending place-of-performance obligations for FY2026, by awarding agency.

USAspending, FY2026, place of performance in this county.
Awarding agencyObligations
Social Security Administration$14,849,334,288
Department of Veterans Affairs$3,280,729,988
Department of Defense$1,979,882,020
National Aeronautics and Space Administration$1,523,818,345
Department of Health and Human Services$1,066,959,841
Department of Housing and Urban Development$929,069,589
Department of Transportation$814,539,760
Department of Education$760,247,217
Department of Homeland Security$159,757,048
Department of Agriculture$132,657,760
Federal Communications Commission$93,087,531
Railroad Retirement Board$82,064,521

That is $10,663 per covered job, against 2,436,205 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $26.0 bn / 2.44 m covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,663

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.

Public companies #

currentretrieved 2026-10-03The company snapshot is a committed fixture, not a pull.

2 public companies file with the SEC from a business address here (Exxon Mobil Corp, Kinder Morgan, Inc.). These rows are a committed fixture, not a pull: the snapshot has never been refreshed, so every financial fact is null and the list is not a complete census of filers in this county. The county's jobs mix maps to 10 GICS sectors, led by Energy.

Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
ItemValueDistance
Exxon Mobil CorpXOM · NYSE · Energy · Spring, TX 77389
Kinder Morgan, Inc.KMI · NYSE · Energy · Houston, TX 77002

This is a committed fixture, not a pull: 2 filers are named and their financial facts are empty until the snapshot is refreshed. An absent company is not evidence that none is headquartered here.

Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.

National context, not this county #

currentretrieved 2026-10-03

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft15.282026-10-01-7.4%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.902026-10-02+0.6%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.202026-09-01+2.4%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-03

Harris County, TX: 11 findings, 2 at a watch level and 9 noted

  1. watchHarris County, TX's typical home value is -2.1% 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 = -2.1395681298258107 < 0

    arithmetic on Zillow ZHVI, county and metro files; not an official level

  2. watchHarris County, TX's covered employment is -0.8% 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 = -0.8 < 0

    BLS QCEW over-the-year percent change, as published; not an official level

  3. noteHarris County, TX's average weekly wage was 2.5% 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
    • +2.5 % = 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

  4. noteHarris County, TX's covered employment was 0.8% 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
    • -0.8 % = 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

  5. noteHarris County, TX's covered employment of 2,436,205 ranks 1st of 254 Texas counties, against a median of 6,022.

    Period 2026 Q1.
    Show the arithmetic
    • 100 on the 0-to-100 scale across 254 Texas counties that published jobs.emp

    position among the entities that published this metric this period; not an official level

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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-03
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-03
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-03
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-03
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-03 · price-to-rent = $278,518 / ($1,586 × 12) = 14.6
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-03
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 48201, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-03
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-03 · payment = P·r / (1 − (1+r)^−n), P = $278,518 × 80% = $222,814, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,525/mo principal and interest; wage share = payment / (avg weekly wage $2,013 × 52 / 12 = $8,723) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $278,518 / ($2,013 × 52) = 2.7; price-to-rent = $278,518 / ($1,586 × 12) = 14.6
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 48201, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-03
  • publishedWorld Port Index (Pub 150)National Geospatial-Intelligence Agencyopen the source
    Pub 150 World Port Index · retrieved 2026-10-03
  • publishedPort Performance Freight StatisticsU.S. Bureau of Transportation Statisticsopen the source
    5rpz-kgm9 port statistics · period 2023 · retrieved 2026-10-03
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-03 · 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%); terms home value 1-yr change -2.1% / ±10% × 0.3, rent 1-yr change -0.1% / ±10% × 0.15, jobs over-the-year change -0.8% / ±3% × 0.3, avg weekly wage over-the-year change +2.5% / ±6% × 0.25
  • publishedU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    USDM_current · retrieved 2026-10-03
  • publishedWater Data for Texas reservoirsTexas Water Development Boardopen the source
    recent-conditions.json · period 2026-10-02 · retrieved 2026-10-03
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00062,00054 · period 2026-10-03T01:45:00.000Z · retrieved 2026-10-03
  • estimateWater Data for Texas reservoirsTexas Water Development Boardopen the source
    · retrieved 2026-10-03 · weighted percent full = Σ(capacity × percent full) / Σ capacity = 2,132,268 / 2,329,413 ac-ft = 91.5 %
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00010,00060,00065,00095,00300,00400,63680 · period 2026-10-03T01:45:00.000Z · retrieved 2026-10-03
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-03T01:30:00Z · retrieved 2026-10-03
  • estimateUSGS Water Data APIU.S. Geological Surveyopen the source
    · retrieved 2026-10-03 · quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 24 sites = 81 %
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019 · period 2026-10-02T00:00:00.000Z · retrieved 2026-10-03
  • estimateU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    · retrieved 2026-10-03 · supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.08 + 0.2×0.19 / 0.85 = 0.18; terms drought (D1 / 4), reservoirs (1 − 92 % / 100), quality (1 − 81 % / 100)
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054 · period 2026-10-03T01:45:00+00:00 · retrieved 2026-10-03
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-03T01:35:00Z · retrieved 2026-10-03
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019,62610,62611 · period 2026-10-02 · retrieved 2026-10-03
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:48201:2026 · period 2026-06-30 · retrieved 2026-10-03
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:48201:2026 · period 2026-06-30 · retrieved 2026-10-03 · HHI = Σ (share %)² over 83 banks with deposits in the county = 53.2² + 11.2² + 6.2² + … (80 more) = 3,039
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-03
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-03 · per job = FY2026 obligations $26.0 bn / 2.44 m covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,663
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_category:48201:FY2026 · period FY2026 · retrieved 2026-10-03
  • publishedEDGAR company filings and XBRL APIsU.S. Securities and Exchange Commissionopen the source
    · retrieved 2026-10-03
  • publishedZCTA to county relationship file (2020)U.S. Census Bureauopen the source
    · retrieved 2026-10-03
  • publishedTIGERwebU.S. Census Bureauopen the source
    · retrieved 2026-10-03
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    qcew:48201:sectors · retrieved 2026-10-03 · NAICS sector -> GICS sector by the static table in lib/companies/sectors.ts; lq = sum(emp_i * lq_i) / sum(emp_i) over the NAICS sectors folded into the GICS sector, withheld cells excluded; ETFs are the convention list, not a recommendation
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-03 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-03 · 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%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-03 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-03 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-03 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-03.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-03.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-03.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-03.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-03. estimate computed by Embedding Atlas: price-to-rent = $278,518 / ($1,586 × 12) = 14.6.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-03.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 48201, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/48201.csv. accessed 2026-10-03.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-03. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $278,518 × 80% = $222,814, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,525/mo principal and interest; wage share = payment / (avg weekly wage $2,013 × 52 / 12 = $8,723) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $278,518 / ($2,013 × 52) = 2.7; price-to-rent = $278,518 / ($1,586 × 12) = 14.6.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 48201, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/48201.csv. accessed 2026-10-03.
  • National Geospatial-Intelligence Agency. World Port Index (Pub 150). series Pub 150 World Port Index. https://msi.nga.mil/Publications/WPI. accessed 2026-10-03.
  • U.S. Bureau of Transportation Statistics. Port Performance Freight Statistics. series 5rpz-kgm9 port statistics. period 2023. https://data.bts.gov/resource/5rpz-kgm9.json. accessed 2026-10-03.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-03. estimate computed by Embedding Atlas: 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%); terms home value 1-yr change -2.1% / ±10% × 0.3, rent 1-yr change -0.1% / ±10% × 0.15, jobs over-the-year change -0.8% / ±3% × 0.3, avg weekly wage over-the-year change +2.5% / ±6% × 0.25.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. series USDM_current. https://droughtmonitor.unl.edu/CurrentMap.aspx. accessed 2026-10-03.
  • Texas Water Development Board. Water Data for Texas reservoirs. series recent-conditions.json. period 2026-10-02. https://www.waterdatafortexas.org/reservoirs/recent-conditions.json. accessed 2026-10-03.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00062,00054. period 2026-10-03T01:45:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-03.
  • Texas Water Development Board. Water Data for Texas reservoirs. https://www.waterdatafortexas.org/reservoirs. accessed 2026-10-03. estimate computed by Embedding Atlas: weighted percent full = Σ(capacity × percent full) / Σ capacity = 2,132,268 / 2,329,413 ac-ft = 91.5 %.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00010,00060,00065,00095,00300,00400,63680. period 2026-10-03T01:45:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-03.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-03T01:30:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-03.
  • U.S. Geological Survey. USGS Water Data API. https://api.waterdata.usgs.gov/. accessed 2026-10-03. estimate computed by Embedding Atlas: quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 24 sites = 81 %.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019. period 2026-10-02T00:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-03.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. https://droughtmonitor.unl.edu/. accessed 2026-10-03. estimate computed by Embedding Atlas: supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.08 + 0.2×0.19 / 0.85 = 0.18; terms drought (D1 / 4), reservoirs (1 − 92 % / 100), quality (1 − 81 % / 100).
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054. period 2026-10-03T01:45:00+00:00. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-03.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-03T01:35:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-03.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019,62610,62611. period 2026-10-02. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-03.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:48201:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A48201+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-03.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:48201:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-03. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 83 banks with deposits in the county = 53.2² + 11.2² + 6.2² + … (80 more) = 3,039.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-03.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-03. estimate computed by Embedding Atlas: per job = FY2026 obligations $26.0 bn / 2.44 m covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,663.
  • U.S. Department of the Treasury. USAspending API. series spending_by_category:48201:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_category/. accessed 2026-10-03.
  • U.S. Securities and Exchange Commission. EDGAR company filings and XBRL APIs. https://www.sec.gov/files/company_tickers_exchange.json. accessed 2026-10-03.
  • U.S. Census Bureau. ZCTA to county relationship file (2020). https://www.census.gov/geographies/reference-files/time-series/geo/relationship-files.html. accessed 2026-10-03.
  • U.S. Census Bureau. TIGERweb. https://tigerweb.geo.census.gov/. accessed 2026-10-03.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series qcew:48201:sectors. https://www.bls.gov/cew/. accessed 2026-10-03. estimate computed by Embedding Atlas: NAICS sector -> GICS sector by the static table in lib/companies/sectors.ts; lq = sum(emp_i * lq_i) / sum(emp_i) over the NAICS sectors folded into the GICS sector, withheld cells excluded; ETFs are the convention list, not a recommendation.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-03. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-03. estimate computed by Embedding Atlas: 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%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-03. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-03. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-03. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • Water rows are everything within 75 km of this place's internal point (150 km for reservoirs), not everything inside its boundary: lib/water searches discs, and every row prints its own distance.
  • Server report: satellite turbidity is only computed in a browser, so that term is absent here.
  • Stress uses 3 of 4 terms (drought, reservoirs, quality); missing terms are left out, not assumed.
  • Groundwater has no trend term: one latest level cannot say whether an aquifer is being drawn down.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 3 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • Positions are ZIP or city centroids of the registered business address, not building footprints.
  • Sector and ETF names are a stated convention (lib/companies/sectors.ts), not classification by MSCI/S&P and not advice.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-03T01:54:33.388Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.