Kerr County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.06, -99.35.
Assembled 2026-10-06. Read the brief.
- 82nd pct · 531st of 3,063 US counties · median $234,566
- 91st pct · 21st of 243 Texas counties · median $215,660
- 10th pct · 2,756th of 3,063 US counties · median +2.9%
- 27th pct · 176th of 243 Texas counties · median +0.0%
- 72nd pct · 390th of 1,399 US counties · median $1,496
- 89th pct · 12th of 106 Texas counties · median $1,483
- 71st pct · 927th of 3,221 US counties · median 8,232
- 77th pct · 59th of 254 Texas counties · median 6,022
- 67th pct · 1,059th of 3,221 US counties · median $1,039
- 53rd pct · 119th of 254 Texas counties · median $1,115
- 82nd pct · 526th of 3,063 US counties · median 4.3
- 91st pct · 22nd 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 $373,469 (Aug 2026), -2.1% over one year, +6.4% over five
- 82nd pct · 531st of 3,063 US counties · median $234,566
- 91st pct · 21st of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Kerr County, TX | $373,469 · -2.1% 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 $1,776/mo (Aug 2026), +2.5% over one year; price-to-rent 17.5
- 72nd pct · 390th of 1,399 US counties · median $1,496
- 89th pct · 12th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Kerr County, TX | $1,776/mo · +2.5% 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 $2,044 a month on $373,469 at 7.28%, against an average weekly wage worth $4,879 a month: 41.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $373,469 × 80% = $298,775, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,044/mo principal and interest
- wage share = payment / (avg weekly wage $1,126 × 52 / 12 = $4,879) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $373,469 / ($1,126 × 52) = 6.4
- price-to-rent = $373,469 / ($1,776 × 12) = 17.5
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 #
19,993 jobs at 1,526 employers (2026 Q1); +2.3% jobs and +4.5% average weekly wage over the year
- 71st pct · 927th of 3,221 US counties · median 8,232
- 77th pct · 59th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Kerr County, TX | 19,993 jobs · $1,126/wk · +2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,752 | $805 | 1.41 | -0.1% |
| Accommodation and food services | 2,567 | $549 | 1.43 | -2.4% |
| Construction | 2,180 | $1,297 | 2.08 | +9.1% |
| Manufacturing | 1,516 | $1,339 | 0.94 | +11.1% |
| Other services | 594 | $848 | 0.99 | -5.6% |
| Administrative and waste services | 536 | $2,256 | 0.47 | +0.2% |
| Professional and technical services | 514 | $1,144 | 0.37 | -1.2% |
| Finance and insurance | 412 | $1,833 | 0.51 | -1.9% |
| Arts, entertainment and recreation | 274 | $763 | 0.83 | +4.2% |
| Wholesale trade | 250 | $1,487 | 0.33 | -8.1% |
| Real estate and rental | 230 | $1,000 | 0.75 | -9.4% |
| Information | 209 | $1,377 | 0.57 | -8.7% |
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 8 TWDB reservoirs
Sites found: 14, 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 Lk nr San Antonio, TX | 73,420 Acre-ft (USGS, no capacity on file) | 71 km |
| Medina Lake | 29 % full · 255k ac-ft | 71 km |
| LCRA Lk LBJ nr Marble Falls, TX | 824.8 ft (USGS, no capacity on file) | 112 km |
| Lake L. B. Johnson | 98 % full · 113k ac-ft | 112 km |
| Canyon Lake | 98 % full · 379k ac-ft | 113 km |
| LCRA Lk Buchanan nr Burnet, TX | 1,019 ft (USGS, no capacity on file) | 118 km |
| Lake Buchanan | 96 % full · 867k ac-ft | 118 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 119 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 #
41 gauges · 0 flooding · 2 with quality panels averaging 100 % · 6 stale
Sites found: 41, 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 |
|---|---|---|
| Guadalupe Rv at Hunt, TX | flow 34.0 ft³/s · no flooding | 3 km |
| N Fk Guadalupe Rv nr Hunt, TX | flow 19.6 ft³/s | 3 km |
| Johnson Ck nr Ingram, TX | flow 15.5 ft³/s | 8 km |
| S Fk Guadalupe Rv at Lynx Haven Crsg nr Hunt, TX | stage 4.50 ft | 12 km |
| Guadalupe Rv abv Bear Ck at Kerrville, TX | flow 68.3 ft³/s | 15 km |
| Guadalupe Rv abv Kerrville, TX | stage 1,622 ft | 16 km |
| Guadalupe Rv at Kerrville, TX | flow 101.0 ft³/s · no flooding | 18 km |
| N Prong Medina Rv at Brewington Ck nr Medina, TX | stage 3.87 ft | 21 km |
| Guadalupe Rv nr Center Point, TX | flow 78.6 ft³/s | 25 km |
| W Prong Medina Rv at Carpenter Ck Rd nr Medina, TX | stage 1.29 ft | 31 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 #
14 wells in 2 named aquifers: Edwards-Trinity aquifer system, Alluvial aquifers
Sites found: 14, 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-300019099075801 | depth 249.7 ft · 2004-09-29 | 22 km |
| Edwards-Trinity aquifer system | depth 248.8 ft · 2026-10-05 | 30 km |
| WA-69-11-3XX (St. Jude Well) | depth 99.4 ft · 2014-07-21 | 38 km |
| USGS-295819098534001 | depth 112.5 ft · 2005-09-29 | 45 km |
| Alluvial aquifers | depth 17.1 ft · 2013-12-07 | 53 km |
| Edwards-Trinity aquifer system | depth 118.7 ft · 2003-09-29 | 57 km |
| Edwards-Trinity aquifer system | depth 118.8 ft · 2004-08-04 | 61 km |
| Edwards-Trinity aquifer system | depth 197.1 ft · 2024-05-06 | 63 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 (0.14)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.10 + 0.2×0.00 / 0.85
Banks & federal dollars #
$1.7 bn in deposits at 20 offices of 15 banks (SOD June 2026); HHI 1,266, moderately concentrated. $469.9 m federal obligations in FY2026 (direct payments $462.7 m, grants $6.0 m), $23,502 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $320.0 m · 18.4% share · 1 office | |
| Security State Bank & Trust | $317.3 m · 18.2% share · 3 offices | |
| Broadway National Bank | $234.1 m · 13.5% share · 1 office | |
| Kerr, TX | $469.9 m FY2026 · $23,502/job | |
| MULTIPLE RECIPIENTS | $457.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $319,970,000 | 18.4% | 1 |
| Security State Bank & Trust | $317,279,000 | 18.2% | 3 |
| Broadway National Bank | $234,129,000 | 13.5% | 1 |
| Fifth Third Bank, National Association | $204,357,000 | 11.7% | 2 |
| Centennial Bank | $196,403,000 | 11.3% | 2 |
| Guadalupe Bank | $170,544,000 | 9.8% | 1 |
| Prosperity Bank | $94,322,000 | 5.4% | 2 |
| SouthStar Bank, S.S.B. | $52,126,000 | 3.0% | 1 |
| PNC Bank, National Association | $42,722,000 | 2.5% | 1 |
| The Bank and Trust, S.S.B. | $36,114,000 | 2.1% | 1 |
Deposit concentration is 1,266 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 18.4² + 18.2² + 13.5² + … (12 more) = 1,266
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 | $386,440,457 |
| Department of Veterans Affairs | $68,408,087 |
| Department of Education | $4,291,485 |
| Department of Transportation | $4,255,197 |
| Railroad Retirement Board | $1,980,251 |
| Department of Health and Human Services | $1,842,291 |
| Department of Agriculture | $1,138,073 |
| Small Business Administration | $725,104 |
| Department of Defense | $334,164 |
| Department of Housing and Urban Development | $257,762 |
| Federal Communications Commission | $100,191 |
| Department of Justice | $97,940 |
That is $23,502 per covered job, against 19,993 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $469.9 m / 19,993 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,502
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 #
Kerr County, TX: 9 findings, 2 at a watch level and 7 noted
watchKerr County, TX's typical home value is -2.1% 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 = -2.069572527725152 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchKerr County, TX's typical asking rent is -1.2% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.205181361054424 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteKerr 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
noteKerr County, TX's covered employment was 2.3% 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
- +2.3 % = 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
noteKerr County, TX's typical asking rent fell 1.2% from $1,797 in July 2026 to $1,776 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.2% = (1775.7123015873015 - 1797.3739170237252) / 1797.3739170237252 × 100
- 1775.7123015873015 = Zillow ZORI, 2026-08
- 1797.3739170237252 = 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.