Kendall County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.94, -98.71.
Assembled 2026-10-06. Read the brief.
- 96th pct · 117th of 3,063 US counties · median $234,566
- 100th pct · 1st of 243 Texas counties · median $215,660
- 100th pct · 1st of 8 counties in the San Antonio-New Braunfels metro · median $327,528
- 15th pct · 2,581st of 3,063 US counties · median +2.9%
- 40th pct · 145th of 243 Texas counties · median +0.0%
- 71st pct · 3rd of 8 counties in the San Antonio-New Braunfels metro · median -1.5%
- 49th pct · 704th of 1,399 US counties · median $1,496
- 51st pct · 52nd of 106 Texas counties · median $1,483
- 42nd pct · 5th of 8 counties in the San Antonio-New Braunfels metro · median $1,528
- 71st pct · 915th of 3,221 US counties · median 8,232
- 78th pct · 56th of 254 Texas counties · median 6,022
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median 17,217
- 79th pct · 672nd of 3,221 US counties · median $1,039
- 68th pct · 81st of 254 Texas counties · median $1,115
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median $1,227
- 96th pct · 114th of 3,063 US counties · median 4.3
- 99th pct · 2nd of 243 Texas counties · median 3.6
- 100th pct · 1st of 8 counties in the San Antonio-New Braunfels metro · median 6.5
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 $590,424 (Aug 2026), -0.8% over one year, +10.4% over five
- 96th pct · 117th of 3,063 US counties · median $234,566
- 100th pct · 1st of 243 Texas counties · median $215,660
- 100th pct · 1st of 8 counties in the San Antonio-New Braunfels metro · median $327,528
| Item | Value | Distance |
|---|---|---|
| Kendall County, TX | $590,424 · -0.8% 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 $1,494/mo (Aug 2026), -1.1% over one year; price-to-rent 32.9
- 49th pct · 704th of 1,399 US counties · median $1,496
- 51st pct · 52nd of 106 Texas counties · median $1,483
- 42nd pct · 5th of 8 counties in the San Antonio-New Braunfels metro · median $1,528
| Item | Value | Distance |
|---|---|---|
| Kendall County, TX | $1,494/mo · -1.1% 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 #
Principal and interest of $3,232 a month on $590,424 at 7.28%, against an average weekly wage worth $5,330 a month: 60.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $590,424 × 80% = $472,339, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,232/mo principal and interest
- wage share = payment / (avg weekly wage $1,230 × 52 / 12 = $5,330) = 61% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $590,424 / ($1,230 × 52) = 9.2
- price-to-rent = $590,424 / ($1,494 × 12) = 32.9
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 #
20,309 jobs at 1,964 employers (2026 Q1); -0.5% jobs and +1.0% average weekly wage over the year
- 71st pct · 915th of 3,221 US counties · median 8,232
- 78th pct · 56th of 254 Texas counties · median 6,022
- 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median 17,217
| Item | Value | Distance |
|---|---|---|
| Kendall County, TX | 20,309 jobs · $1,230/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,583 | $1,124 | 1.81 | -0.8% |
| Construction | 2,387 | $1,426 | 2.24 | -3.5% |
| Accommodation and food services | 2,192 | $518 | 1.20 | +3.9% |
| Health care and social assistance | 2,060 | $1,075 | 0.67 | +2.5% |
| Manufacturing | 1,464 | $1,091 | 0.90 | +6.9% |
| Professional and technical services | 1,259 | $1,864 | 0.90 | +0.0% |
| Other services | 817 | $829 | 1.35 | +5.6% |
| Finance and insurance | 676 | $2,633 | 0.82 | -10.1% |
| Administrative and waste services | 569 | $2,138 | 0.49 | +2.9% |
| Transportation and warehousing | 429 | $927 | 0.50 | -16.7% |
| Arts, entertainment and recreation | 376 | $737 | 1.12 | -0.5% |
| Real estate and rental | 329 | $1,621 | 1.06 | -8.4% |
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 #
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 #
90 % of conservation capacity, weighted over 10 TWDB reservoirs
Sites found: 17, 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 |
|---|---|---|
| Medina Lake | 29 % full · 255k ac-ft | 50 km |
| Medina Lk nr San Antonio, TX | 73,420 Acre-ft (USGS, no capacity on file) | 50 km |
| Canyon Lake | 98 % full · 379k ac-ft | 50 km |
| Lake L. B. Johnson | 98 % full · 113k ac-ft | 77 km |
| LCRA Lk LBJ nr Marble Falls, TX | 824.8 ft (USGS, no capacity on file) | 77 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 81 km |
| LCRA Lk Marble Falls nr Marble Falls, TX | 736.8 ft (USGS, no capacity on file) | 81 km |
| Lake Travis | 95 % full · 1,098k ac-ft | 92 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 #
88 gauges · 0 flooding · 13 with quality panels averaging 94 % · 18 stale
Sites found: 88, 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 |
|---|---|---|
| KX-68-31-403 (Tri-County 2) | temp 26.9 °C · quality 50 % (2) · STALE | 62 km |
| Guadalupe Rv at FM 474 nr Bergheim, TX | flow 158.0 ft³/s | 7 km |
| Cibolo Ck at Cibolo Nature Cntr nr Boerne, TX | flow 1.94 ft³/s · STALE | 18 km |
| Guadalupe Rv at Comfort, TX | flow 104.0 ft³/s | 18 km |
| Cibolo Ck nr Boerne, TX | flow 2.83 ft³/s | 19 km |
| Unm Trib Honey Ck Site 1C nr Spring Branch, TX | flow 0.00 ft³/s · STALE | 24 km |
| Unm Trib Honey Ck Site 2T nr Spring Branch, TX | flow 0.00 ft³/s · STALE | 24 km |
| Unm Trib Honey Ck Site 1T nr Spring Branch, TX | flow 0.00 ft³/s · STALE | 25 km |
| Blanco Rv at Crabapple Rd nr Blanco, TX | stage 1.45 ft | 26 km |
| Cypress Ck at Saur Farm nr Comfort, TX | stage 5.08 ft | 27 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 #
33 wells in 2 named aquifers: Edwards-Trinity aquifer system, Other aquifers
Sites found: 33, 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 |
|---|---|---|
| USGS-295819098534001 | depth 112.5 ft · 2005-09-29 | 18 km |
| Edwards-Trinity aquifer system | depth 382.5 ft · 2009-04-06 | 28 km |
| Edwards-Trinity aquifer system | depth 131.9 ft · 2010-10-19 | 30 km |
| Edwards-Trinity aquifer system | depth 183.7 ft · 2010-10-19 | 36 km |
| USGS-300019099075801 | depth 249.7 ft · 2004-09-29 | 41 km |
| Edwards-Trinity aquifer system | depth 247.3 ft · 2026-10-05 | 42 km |
| Edwards-Trinity aquifer system | depth 250.4 ft · 2026-10-05 | 42 km |
| Edwards-Trinity aquifer system | depth 185.1 ft · 2026-10-05 | 44 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 #
low (0.15)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.10 + 0.2×0.06 / 0.85
Banks & federal dollars #
$2.0 bn in deposits at 17 offices of 14 banks (SOD June 2026); HHI 2,099, highly concentrated. $558.3 m federal obligations in FY2026 (direct payments $489.2 m, contracts $68.1 m), $27,488 per covered job
| Item | Value | Distance |
|---|---|---|
| Frost Bank | $790.0 m · 40.4% share · 1 office | |
| Wells Fargo Bank, National Association | $222.4 m · 11.4% share · 2 offices | |
| Bank of America, National Association | $179.0 m · 9.1% share · 1 office | |
| Kendall, TX | $558.3 m FY2026 · $27,488/job | |
| MULTIPLE RECIPIENTS | $487.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Frost Bank | $790,038,000 | 40.4% | 1 |
| Wells Fargo Bank, National Association | $222,421,000 | 11.4% | 2 |
| Bank of America, National Association | $178,958,000 | 9.1% | 1 |
| Jefferson Bank | $175,558,000 | 9.0% | 1 |
| Liberty Capital Bank | $147,144,000 | 7.5% | 1 |
| Broadway National Bank | $131,119,000 | 6.7% | 1 |
| Security State Bank & Trust | $123,610,000 | 6.3% | 2 |
| The First National Bank of Sonora | $97,680,000 | 5.0% | 2 |
| PNC Bank, National Association | $48,331,000 | 2.5% | 1 |
| Centennial Bank | $14,820,000 | 0.8% | 1 |
Deposit concentration is 2,099 across 14 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 40.4² + 11.4² + 9.1² + … (11 more) = 2,099
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 | $332,303,739 |
| Department of Veterans Affairs | $153,263,761 |
| Department of Defense | $54,574,776 |
| National Aeronautics and Space Administration | $12,998,442 |
| Railroad Retirement Board | $2,266,236 |
| Department of Justice | $1,615,961 |
| Department of Agriculture | $1,375,606 |
| Department of Housing and Urban Development | $638,446 |
| Department of the Interior | $158,557 |
| Federal Communications Commission | $25,564 |
| General Services Administration | $21,600 |
| Small Business Administration | $11,813 |
That is $27,488 per covered job, against 20,309 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $558.3 m / 20,309 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,488
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 #
Kendall County, TX: 12 findings, 5 at a watch level and 7 noted
watchKendall County, TX's price-to-rent ratio of 32.9 ranks 9th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 99.4277539341917 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchKendall County, TX's price-to-rent ratio is 32.9, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 32.92412432924364 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
watchKendall County, TX's years of wages of 9.2 ranks 114th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 96.30960156760288 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchKendall County, TX's typical home value is -0.8% 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 = -0.8100655054661001 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchKendall County, TX's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; 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.