Henderson County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.21, -95.85.
Assembled 2026-10-06. Read the brief.
- 62nd pct · 1,160th of 3,063 US counties · median $234,566
- 72nd pct · 68th of 243 Texas counties · median $215,660
- 9th pct · 2,779th of 3,063 US counties · median +2.9%
- 25th pct · 181st of 243 Texas counties · median +0.0%
- 34th pct · 910th of 1,399 US counties · median $1,496
- 31st pct · 73rd of 106 Texas counties · median $1,483
- 71st pct · 931st of 3,221 US counties · median 8,232
- 76th pct · 60th of 254 Texas counties · median 6,022
- 46th pct · 1,707th of 3,221 US counties · median $1,039
- 31st pct · 173rd of 254 Texas counties · median $1,115
- 65th pct · 1,053rd of 3,063 US counties · median 4.3
- 80th pct · 48th 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 $271,304 (Aug 2026), -2.3% over one year, +6.6% over five
- 62nd pct · 1,160th of 3,063 US counties · median $234,566
- 72nd pct · 68th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Henderson County, TX | $271,304 · -2.3% 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 $1,344/mo (Aug 2026), +1.3% over one year; price-to-rent 16.8
- 34th pct · 910th of 1,399 US counties · median $1,496
- 31st pct · 73rd of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Henderson County, TX | $1,344/mo · +1.3% 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 $1,485 a month on $271,304 at 7.28%, against an average weekly wage worth $4,442 a month: 33.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $271,304 × 80% = $217,043, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,485/mo principal and interest
- wage share = payment / (avg weekly wage $1,025 × 52 / 12 = $4,442) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $271,304 / ($1,025 × 52) = 5.1
- price-to-rent = $271,304 / ($1,344 × 12) = 16.8
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 #
19,867 jobs at 1,682 employers (2026 Q1); -0.2% jobs and +1.2% average weekly wage over the year
- 71st pct · 931st of 3,221 US counties · median 8,232
- 76th pct · 60th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Henderson County, TX | 19,867 jobs · $1,025/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 2,865 | $383 | 1.61 | +2.3% |
| Retail trade | 2,776 | $661 | 1.43 | -3.9% |
| Manufacturing | 2,476 | $1,435 | 1.55 | -1.0% |
| Health care and social assistance | 2,050 | $1,018 | 0.69 | +0.6% |
| Construction | 1,499 | $1,125 | 1.44 | +1.7% |
| Professional and technical services | 789 | $1,696 | 0.58 | +4.4% |
| Wholesale trade | 750 | $1,896 | 0.99 | -10.0% |
| Other services | 584 | $1,055 | 0.98 | -0.2% |
| Administrative and waste services | 511 | $926 | 0.45 | +6.7% |
| Finance and insurance | 488 | $1,529 | 0.60 | -5.1% |
| Agriculture, forestry, fishing | 242 | $669 | 1.69 | +3.9% |
| Arts, entertainment and recreation | 214 | $525 | 0.65 | +2.4% |
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 #
86 % of conservation capacity, weighted over 37 TWDB reservoirs
Sites found: 43, 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 Athens | 98 % full · 30k ac-ft | 8 km |
| Cedar Ck Res nr Trinidad, TX | 464,900 Acre-ft (USGS, no capacity on file) | 27 km |
| Cedar Creek Reservoir | 75 % full · 645k ac-ft | 27 km |
| Richland-Chambers Res nr Kerens, TX | 1,032,000 Acre-ft (USGS, no capacity on file) | 38 km |
| Richland-Chambers Reservoir | 91 % full · 1,099k ac-ft | 38 km |
| Lake Palestine | 89 % full · 367k ac-ft | 43 km |
| Halbert Lake | 77 % full · 6k ac-ft | 55 km |
| Lake Jacksonville | 97 % full · 26k ac-ft | 61 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 #
23 gauges · 0 flooding · 1 with quality panels averaging 80 %
Sites found: 23, 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.
| Site | Reading | Distance |
|---|---|---|
| Trinity Rv nr Rosser, TX | flow 3,630 ft³/s · quality 80 % (5) | 62 km |
| Trinity Rv at Trinidad, TX | flow 3,810 ft³/s | 24 km |
| Trinity Rv at Hwy 287 nr Cayuga, TX | flow 3,490 ft³/s | 33 km |
| Cedar Ck nr Kemp, TX | flow 10.3 ft³/s | 41 km |
| Trinity Rv at W Cedar Creek Pkwy nr Rosser, TX | flow 3,980 ft³/s | 49 km |
| Grand Saline Ck at FM 857 nr Grand Saline, TX | flow 0.00 ft³/s | 52 km |
| Neches Rv nr Neches, TX | flow 111.0 ft³/s | 53 km |
| Town Ck at FM 645 nr Palestine, TX | stage 216.9 ft | 55 km |
| Sabine Rv nr Mineola, TX | flow 22.5 ft³/s | 56 km |
| Tehuacana Ck nr Streetman, TX | flow 0.01 ft³/s | 58 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 #
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 (0.30)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.14 + 0.2×0.20 / 0.85
Banks & federal dollars #
$1.7 bn in deposits at 26 offices of 9 banks (SOD June 2026); HHI 2,003, highly concentrated. $617.5 m federal obligations in FY2026 (direct payments $613.9 m, grants $3.0 m), $31,083 per covered job
| Item | Value | Distance |
|---|---|---|
| First State Bank | $558.7 m · 33.7% share · 5 offices | |
| Prosperity Bank | $316.8 m · 19.1% share · 6 offices | |
| Simmons Bank | $240.4 m · 14.5% share · 3 offices | |
| Henderson, TX | $617.5 m FY2026 · $31,083/job | |
| MULTIPLE RECIPIENTS | $595.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First State Bank | $558,689,000 | 33.7% | 5 |
| Prosperity Bank | $316,773,000 | 19.1% | 6 |
| Simmons Bank | $240,389,000 | 14.5% | 3 |
| VeraBank, National Association | $226,458,000 | 13.7% | 3 |
| First State Bank of Brownsboro | $129,598,000 | 7.8% | 3 |
| Southside Bank | $93,478,000 | 5.6% | 2 |
| Woodforest National Bank | $37,637,000 | 2.3% | 2 |
| Harmony Bank | $30,655,000 | 1.8% | 1 |
| UBank | $23,536,000 | 1.4% | 1 |
Deposit concentration is 2,003 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 33.7² + 19.1² + 14.5² + … (6 more) = 2,003
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 | $526,908,594 |
| Department of Veterans Affairs | $66,429,260 |
| Department of Education | $12,120,192 |
| Department of Housing and Urban Development | $3,401,624 |
| Department of Agriculture | $3,089,280 |
| Railroad Retirement Board | $2,419,705 |
| Department of Transportation | $1,888,932 |
| Department of Health and Human Services | $750,000 |
| Federal Communications Commission | $510,180 |
| Small Business Administration | $0 |
That is $31,083 per covered job, against 19,867 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $617.5 m / 19,867 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,083
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 #
Henderson County, TX: 8 findings, 2 at a watch level and 6 noted
watchHenderson County, TX's typical home value is -2.3% 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 = -2.3045506394067585 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchHenderson County, TX's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHenderson County, TX's typical asking rent rose 2.2% from $1,315 in July 2026 to $1,344 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.2% = (1343.6323232323232 - 1315.103276369763) / 1315.103276369763 × 100
- 1343.6323232323232 = Zillow ZORI, 2026-08
- 1315.103276369763 = Zillow ZORI, 2026-07
noteHenderson County, TX's average weekly wage was 1.2% 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
- +1.2 % = 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
noteHenderson County, TX's covered employment was 0.2% 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
- -0.2 % = 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
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.