Hopkins County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.15, -95.57.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,242nd of 3,063 US counties · median $234,566
- 68th pct · 77th of 243 Texas counties · median $215,660
- 6th pct · 2,856th of 3,063 US counties · median +2.9%
- 17th pct · 200th of 243 Texas counties · median +0.0%
- 46th pct · 754th of 1,399 US counties · median $1,496
- 44th pct · 59th of 106 Texas counties · median $1,483
- 64th pct · 1,134th of 3,221 US counties · median 8,232
- 71st pct · 73rd of 254 Texas counties · median 6,022
- 65th pct · 1,118th of 3,221 US counties · median $1,039
- 50th pct · 127th of 254 Texas counties · median $1,115
- 54th pct · 1,385th of 3,063 US counties · median 4.3
- 71st pct · 69th 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 $261,740 (Aug 2026), -3.3% over one year, -1.2% over five
- 59th pct · 1,242nd of 3,063 US counties · median $234,566
- 68th pct · 77th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Hopkins County, TX | $261,740 · -3.3% 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 $1,457/mo (Aug 2026), n/a over one year; price-to-rent 15.0
- 46th pct · 754th of 1,399 US counties · median $1,496
- 44th pct · 59th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Hopkins County, TX | $1,457/mo · n/a 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 $1,433 a month on $261,740 at 7.28%, against an average weekly wage worth $4,836 a month: 29.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $261,740 × 80% = $209,392, 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 $1,116 × 52 / 12 = $4,836) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $261,740 / ($1,116 × 52) = 4.5
- price-to-rent = $261,740 / ($1,457 × 12) = 15.0
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 #
15,145 jobs at 971 employers (2026 Q1); +4.8% jobs and +4.5% average weekly wage over the year
- 64th pct · 1,134th of 3,221 US counties · median 8,232
- 71st pct · 73rd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Hopkins County, TX | 15,145 jobs · $1,116/wk · +4.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,028 | $1,329 | 2.49 | +5.1% |
| Health care and social assistance | 1,689 | $1,318 | 0.74 | +0.0% |
| Retail trade | 1,679 | $781 | 1.14 | +3.3% |
| Wholesale trade | 1,468 | $1,341 | 2.53 | +2.1% |
| Accommodation and food services | 1,253 | $390 | 0.92 | +4.2% |
| Construction | 942 | $1,197 | 1.19 | +27.8% |
| Finance and insurance | 732 | $1,643 | 1.19 | +1.0% |
| Transportation and warehousing | 508 | $1,106 | 0.80 | -1.9% |
| Professional and technical services | 371 | $1,313 | 0.36 | +0.5% |
| Administrative and waste services | 305 | $980 | 0.35 | -10.0% |
| Other services | 236 | $801 | 0.52 | -13.6% |
| Agriculture, forestry, fishing | 213 | $776 | 1.95 | +0.0% |
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 #
88 % of conservation capacity, weighted over 34 TWDB reservoirs
Sites found: 39, 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 Sulphur Springs | 86 % full · 18k ac-ft | 7 km |
| Cooper (Chapman) Lake | 69 % full · 259k ac-ft | 21 km |
| Lake Fk Res nr Quitman, TX | 560,100 Acre-ft (USGS, no capacity on file) | 37 km |
| Lake Fork Reservoir | 82 % full · 606k ac-ft | 37 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 39 km |
| Monticello Reservoir | 73 % full · 35k ac-ft | 49 km |
| Lake Tawakoni | 92 % full · 872k ac-ft | 50 km |
| Lk Tawakoni nr Wills Point, TX | 799,800 Acre-ft (USGS, no capacity on file) | 50 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 #
25 gauges · 0 flooding · 1 with quality panels averaging 100 % · 3 stale
Sites found: 25, 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 |
|---|---|---|
| S Sulphur Rv nr Cooper, TX | flow 3.07 ft³/s | 23 km |
| S Sulphur Rv at SH 11 nr Commerce, TX | flow 15.6 ft³/s | 29 km |
| S Sulphur Rv at Commerce, TX | flow 0.09 ft³/s · STALE | 33 km |
| Middle Sulphur Rv at Commerce, TX | flow 0.00 ft³/s | 35 km |
| N Sulphur Rv nr Cooper, TX | flow 0.01 ft³/s | 36 km |
| Brushy Ck at Scroggins, TX | flow 0.29 ft³/s · STALE | 40 km |
| Lake Fk Ck nr Quitman, TX | flow 75.0 ft³/s | 44 km |
| Cowleech Fk Sabine Rv at Greenville, TX | flow 0.00 ft³/s | 48 km |
| White Oak Ck nr Talco, TX | flow 20.2 ft³/s | 48 km |
| Sabine Rv at FM 17 nr Golden, TX | flow 29.8 ft³/s | 48 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 (0.35)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.12 + 0.2×0.00 / 0.85
Banks & federal dollars #
$1.3 bn in deposits at 13 offices of 7 banks (SOD June 2026); HHI 2,865, highly concentrated. $229.0 m federal obligations in FY2026 (direct payments $220.9 m, grants $7.6 m), $15,119 per covered job
| Item | Value | Distance |
|---|---|---|
| Alliance Bank | $512.6 m · 40.9% share · 6 offices | |
| The City National Bank of Sulphur Springs | $374.1 m · 29.8% share · 2 offices | |
| Glacier Bank | $152.4 m · 12.2% share · 1 office | |
| Hopkins, TX | $229.0 m FY2026 · $15,119/job | |
| MULTIPLE RECIPIENTS | $215.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Alliance Bank | $512,604,000 | 40.9% | 6 |
| The City National Bank of Sulphur Springs | $374,056,000 | 29.8% | 2 |
| Glacier Bank | $152,396,000 | 12.2% | 1 |
| Texas Heritage National Bank | $150,234,000 | 12.0% | 1 |
| The First National Bank of East Texas | $37,880,000 | 3.0% | 1 |
| Pilgrim Bank | $17,815,000 | 1.4% | 1 |
| First National Bank Texas | $8,606,000 | 0.7% | 1 |
Deposit concentration is 2,865 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 40.9² + 29.8² + 12.2² + … (4 more) = 2,865
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 | $187,853,255 |
| Department of Veterans Affairs | $26,396,720 |
| Department of Transportation | $5,696,617 |
| Department of Agriculture | $4,474,286 |
| Department of Health and Human Services | $1,684,397 |
| Railroad Retirement Board | $1,318,796 |
| Federal Communications Commission | $1,140,795 |
| Department of Housing and Urban Development | $198,850 |
| Department of Education | $134,449 |
| Department of Defense | $78,419 |
| Small Business Administration | $0 |
That is $15,119 per covered job, against 15,145 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $229.0 m / 15,145 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,119
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 #
Hopkins County, TX: 9 findings, 1 at a watch level and 8 noted
watchHopkins County, TX's typical home value is -3.3% 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 = -3.3437768898026037 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteHopkins County, TX's covered employment was 4.8% 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
- +4.8 % = 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
noteHopkins County, TX's average weekly wage was 4.5% 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
- +4.5 % = 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
noteHopkins County, TX's typical home value fell 0.8% from $263,809 in July 2026 to $261,740 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.8% = (261739.94780969768 - 263808.9612160115) / 263808.9612160115 × 100
- 261739.94780969768 = Zillow ZHVI, 2026-08
- 263808.9612160115 = Zillow ZHVI, 2026-07
noteHopkins County, TX's typical asking rent rose 0.7% from $1,447 in July 2026 to $1,457 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.7% = (1457.1111111111113 - 1446.9584210570608) / 1446.9584210570608 × 100
- 1457.1111111111113 = Zillow ZORI, 2026-08
- 1446.9584210570608 = Zillow ZORI, 2026-07
Read all 9 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.