Kaufman County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.60, -96.29.
Assembled 2026-10-06. Read the brief.
- 68th pct · 972nd of 3,063 US counties · median $234,566
- 78th pct · 54th of 243 Texas counties · median $215,660
- 10th pct · 10th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $371,935
- 5th pct · 2,889th of 3,063 US counties · median +2.9%
- 13th pct · 211th of 243 Texas counties · median +0.0%
- 10th pct · 10th of 11 counties in the Dallas-Fort Worth-Arlington metro · median -1.9%
- 78th pct · 304th of 1,399 US counties · median $1,496
- 93rd pct · 8th of 106 Texas counties · median $1,483
- 90th pct · 2nd of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,639
- 83rd pct · 533rd of 3,221 US counties · median 8,232
- 85th pct · 37th of 254 Texas counties · median 6,022
- 40th pct · 7th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
- 52nd pct · 1,540th of 3,221 US counties · median $1,039
- 37th pct · 160th of 254 Texas counties · median $1,115
- 0th pct · 11th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,215
- 70th pct · 890th of 3,063 US counties · median 4.3
- 81st pct · 45th of 243 Texas counties · median 3.6
- 40th pct · 7th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 5.6
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 $294,855 (Aug 2026), -4.0% over one year, +1.9% over five
- 68th pct · 972nd of 3,063 US counties · median $234,566
- 78th pct · 54th of 243 Texas counties · median $215,660
- 10th pct · 10th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $371,935
| Item | Value | Distance |
|---|---|---|
| Kaufman County, TX | $294,855 · -4.0% 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 $1,894/mo (Aug 2026), +0.0% over one year; price-to-rent 13.0
- 78th pct · 304th of 1,399 US counties · median $1,496
- 93rd pct · 8th of 106 Texas counties · median $1,483
- 90th pct · 2nd of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,639
| Item | Value | Distance |
|---|---|---|
| Kaufman County, TX | $1,894/mo · +0.0% 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 $1,614 a month on $294,855 at 7.28%, against an average weekly wage worth $4,541 a month: 35.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $294,855 × 80% = $235,884, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,614/mo principal and interest
- wage share = payment / (avg weekly wage $1,048 × 52 / 12 = $4,541) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $294,855 / ($1,048 × 52) = 5.4
- price-to-rent = $294,855 / ($1,894 × 12) = 13.0
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 #
47,359 jobs at 2,730 employers (2026 Q1); +5.8% jobs and -1.3% average weekly wage over the year
- 83rd pct · 533rd of 3,221 US counties · median 8,232
- 85th pct · 37th of 254 Texas counties · median 6,022
- 40th pct · 7th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
| Item | Value | Distance |
|---|---|---|
| Kaufman County, TX | 47,359 jobs · $1,048/wk · +5.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 6,456 | $1,018 | 3.23 | +7.3% |
| Retail trade | 6,253 | $715 | 1.35 | +11.4% |
| Accommodation and food services | 4,863 | $403 | 1.14 | +7.9% |
| Manufacturing | 4,571 | $1,425 | 1.20 | -5.4% |
| Health care and social assistance | 4,329 | $1,048 | 0.61 | +10.9% |
| Construction | 3,232 | $1,242 | 1.30 | +4.4% |
| Administrative and waste services | 1,586 | $871 | 0.59 | +12.4% |
| Wholesale trade | 1,294 | $1,895 | 0.71 | +4.0% |
| Professional and technical services | 1,265 | $1,501 | 0.39 | -8.4% |
| Other services | 962 | $1,001 | 0.68 | -4.3% |
| Finance and insurance | 926 | $1,822 | 0.48 | +13.8% |
| Utilities | 333 | $2,877 | 1.78 | +5.4% |
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 #
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: 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 |
|---|---|---|
| New Terrell City Lake | 25 % full · 9k ac-ft | 18 km |
| Lake Ray Hubbard | 86 % full · 440k ac-ft | 30 km |
| Lake Tawakoni | 92 % full · 872k ac-ft | 42 km |
| Cedar Creek Reservoir | 75 % full · 645k ac-ft | 42 km |
| Bardwell Lake | 89 % full · 44k ac-ft | 51 km |
| Lavon Lake | 81 % full · 410k ac-ft | 51 km |
| Lake Waxahachie | 76 % full · 11k ac-ft | 56 km |
| Halbert Lake | 77 % full · 6k ac-ft | 60 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 #
moderate (0.46)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.12 / 0.65
Banks & federal dollars #
$2.8 bn in deposits at 19 offices of 11 banks (SOD June 2026); HHI 2,566, highly concentrated. $862.5 m federal obligations in FY2026 (direct payments $842.7 m, grants $17.4 m), $18,212 per covered job
| Item | Value | Distance |
|---|---|---|
| The American National Bank of Texas | $1.3 bn · 46.3% share · 5 offices | |
| City Bank | $320.1 m · 11.5% share · 1 office | |
| Texas Bank and Trust Company | $244.8 m · 8.8% share · 2 offices | |
| Kaufman, TX | $862.5 m FY2026 · $18,212/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The American National Bank of Texas | $1,291,354,000 | 46.3% | 5 |
| City Bank | $320,105,000 | 11.5% | 1 |
| Texas Bank and Trust Company | $244,838,000 | 8.8% | 2 |
| JPMorgan Chase Bank, National Association | $214,604,000 | 7.7% | 1 |
| Harmony Bank | $212,896,000 | 7.6% | 1 |
| Wells Fargo Bank, National Association | $209,860,000 | 7.5% | 2 |
| Bank of America, National Association | $111,044,000 | 4.0% | 1 |
| First State Bank | $98,690,000 | 3.5% | 2 |
| PNC Bank, National Association | $68,833,000 | 2.5% | 2 |
| First National Bank Texas | $11,352,000 | 0.4% | 1 |
Deposit concentration is 2,566 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 46.3² + 11.5² + 8.8² + … (8 more) = 2,566
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 #
That is $18,212 per covered job, against 47,359 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $862.5 m / 47,359 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,212
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 #
Kaufman County, TX: 16 findings, 2 at a watch level and 14 noted
watchKaufman County, TX's typical home value is -4.0% 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 = -3.9820091634336507 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchKaufman County, TX's average weekly wage is -1.3% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -1.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteKaufman County, TX's covered employment was 5.8% 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
- +5.8 % = 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
noteKaufman County, TX's average weekly wage was 1.3% 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
- -1.3 % = 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
noteKaufman County, TX's typical home value fell 0.3% from $295,684 in July 2026 to $294,855 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (294855.28572731616 - 295684.4656242972) / 295684.4656242972 × 100
- 294855.28572731616 = Zillow ZHVI, 2026-08
- 295684.4656242972 = Zillow ZHVI, 2026-07
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.