Jim Wells County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.73, -98.09.
Assembled 2026-10-06. Read the brief.
- 12th pct · 2,670th of 3,063 US counties · median $234,566
- 19th pct · 197th of 243 Texas counties · median $215,660
- 1st pct · 3,014th of 3,063 US counties · median +2.9%
- 3rd pct · 235th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 63rd pct · 1,181st of 3,221 US counties · median 8,232
- 70th pct · 75th of 254 Texas counties · median 6,022
- 29th pct · 2,275th of 3,221 US counties · median $1,039
- 18th pct · 207th of 254 Texas counties · median $1,115
- 17th pct · 2,540th of 3,063 US counties · median 4.3
- 33rd pct · 162nd 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 $142,076 (Aug 2026), -9.6% over one year, -20.6% over five
- 12th pct · 2,670th of 3,063 US counties · median $234,566
- 19th pct · 197th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Jim Wells County, TX | $142,076 · -9.6% 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 $778 a month on $142,076 at 7.28%, against an average weekly wage worth $4,117 a month: 18.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $142,076 × 80% = $113,661, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $778/mo principal and interest
- wage share = payment / (avg weekly wage $950 × 52 / 12 = $4,117) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $142,076 / ($950 × 52) = 2.9
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 #
14,186 jobs at 842 employers (2026 Q1); -4.0% jobs and +0.4% average weekly wage over the year
- 63rd pct · 1,181st of 3,221 US counties · median 8,232
- 70th pct · 75th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Jim Wells County, TX | 14,186 jobs · $950/wk · -4.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,380 | $542 | 2.05 | +0.0% |
| Mining, oil and gas | 1,742 | $2,367 | 34.49 | -16.0% |
| Accommodation and food services | 1,696 | $334 | 1.33 | +1.9% |
| Retail trade | 1,526 | $679 | 1.10 | +0.7% |
| Wholesale trade | 316 | $1,458 | 0.58 | +0.0% |
| Real estate and rental | 297 | $1,384 | 1.37 | -12.9% |
| Construction | 288 | $910 | 0.39 | -7.7% |
| Professional and technical services | 285 | $1,275 | 0.29 | -11.2% |
| Manufacturing | 277 | $1,564 | 0.24 | +1.5% |
| Agriculture, forestry, fishing | 256 | $1,062 | 2.50 | +4.1% |
| Finance and insurance | 246 | $1,247 | 0.43 | -6.1% |
| Transportation and warehousing | 183 | $1,014 | 0.31 | -3.2% |
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 |
|---|---|---|
| Lake Corpus Christi | 84 % full · 256k ac-ft | 40 km |
| Choke Canyon Reservoir | 22 % full · 663k ac-ft | 85 km |
| Coleto Creek Reservoir | 75 % full · 31k ac-ft | 143 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 #
high (0.68)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.60 / 0.65
Banks & federal dollars #
$563.3 m in deposits at 8 offices of 7 banks (SOD June 2026); HHI 2,381, highly concentrated. $261.2 m federal obligations in FY2026 (direct payments $238.4 m, grants $22.2 m), $18,416 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $194.0 m · 34.4% share · 1 office | |
| First Community Bank | $159.5 m · 28.3% share · 2 offices | |
| Prosperity Bank | $82.0 m · 14.5% share · 1 office | |
| Jim Wells, TX | $261.2 m FY2026 · $18,416/job | |
| MULTIPLE RECIPIENTS | $224.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $194,048,000 | 34.4% | 1 |
| First Community Bank | $159,527,000 | 28.3% | 2 |
| Prosperity Bank | $81,960,000 | 14.5% | 1 |
| ValueBank Texas | $60,693,000 | 10.8% | 1 |
| Texas Champion Bank | $40,160,000 | 7.1% | 1 |
| International Bank of Commerce | $18,978,000 | 3.4% | 1 |
| First National Bank Texas | $7,941,000 | 1.4% | 1 |
Deposit concentration is 2,381 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 = 34.4² + 28.3² + 14.5² + … (4 more) = 2,381
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 | $186,891,099 |
| Department of Veterans Affairs | $36,632,698 |
| Department of Health and Human Services | $19,277,165 |
| Department of Agriculture | $11,031,824 |
| Department of Housing and Urban Development | $4,058,006 |
| Department of Transportation | $1,369,477 |
| Railroad Retirement Board | $758,356 |
| Department of Defense | $648,739 |
| Federal Communications Commission | $638,835 |
| Small Business Administration | $3,071 |
| Department of Education | -$29,360 |
| Executive Office of the President | -$30,290 |
That is $18,416 per covered job, against 14,186 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $261.2 m / 14,186 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,416
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 #
Jim Wells County, TX: 15 findings, 2 at an alert level, 4 at a watch level and 9 noted
alertJim Wells County, TX's typical home value is -9.6% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, 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 = -9.56572406668504 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
alertJim Wells County, TX's covered employment is -4.0% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchJim Wells County, TX's typical home value is -9.6% 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 = -9.56572406668504 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchJim Wells County, TX's covered employment is -4.0% 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 = -4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchJim Wells County, TX's momentum index is -0.67, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, 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: momentum = -0.670947123922217 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, 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.