Kimble County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.48, -99.75.
Assembled 2026-10-06. Read the brief.
- 80th pct · 604th of 3,063 US counties · median $234,566
- 88th pct · 28th of 243 Texas counties · median $215,660
- 92nd pct · 226th of 3,063 US counties · median +2.9%
- 92nd pct · 20th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 8th pct · 2,955th of 3,221 US counties · median 8,232
- 16th pct · 213th of 254 Texas counties · median 6,022
- 21st pct · 2,541st of 3,221 US counties · median $1,039
- 11th pct · 224th of 254 Texas counties · median $1,115
- 91st pct · 265th of 3,063 US counties · median 4.3
- 97th pct · 8th 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 $357,306 (Aug 2026), +8.6% over one year, +14.5% over five
- 80th pct · 604th of 3,063 US counties · median $234,566
- 88th pct · 28th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Kimble County, TX | $357,306 · +8.6% 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 $1,956 a month on $357,306 at 7.28%, against an average weekly wage worth $3,943 a month: 49.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $357,306 × 80% = $285,845, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,956/mo principal and interest
- wage share = payment / (avg weekly wage $910 × 52 / 12 = $3,943) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $357,306 / ($910 × 52) = 7.6
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 #
1,184 jobs at 157 employers (2026 Q1); +0.1% jobs and +8.5% average weekly wage over the year
- 8th pct · 2,955th of 3,221 US counties · median 8,232
- 16th pct · 213th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Kimble County, TX | 1,184 jobs · $910/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 180 | $577 | 1.56 | -5.8% |
| Construction | 113 | $1,489 | 1.82 | +79.4% |
| Health care and social assistance | 88 | $1,101 | 0.49 | -4.3% |
| Finance and insurance | 42 | $1,007 | 0.87 | +0.0% |
| Manufacturing | 40 | $1,000 | 0.42 | -24.5% |
| Real estate and rental | 20 | $814 | 1.10 | +17.6% |
| Administrative and waste services | 14 | $1,275 | 0.21 | -51.7% |
| Professional and technical services | 6 | $724 | 0.07 | +20.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Wholesale trade | withheld |
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 #
Surface water layer not loaded
Sites found: 10, 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 |
|---|---|---|
| Brady Creek Reservoir | 84 % full · 29k ac-ft | 81 km |
| O. H. Ivie Reservoir | 42 % full · 554k ac-ft | 114 km |
| Lake Nasworthy | 85 % full · 10k ac-ft | 123 km |
| Twin Buttes Reservoir | 5 % full · 182k ac-ft | 126 km |
| Medina Lake | 29 % full · 255k ac-ft | 130 km |
| Lake Buchanan | 96 % full · 867k ac-ft | 131 km |
| O. C. Fisher Lake | 11 % full · 116k ac-ft | 132 km |
| Inks Lake | 94 % full · 14k ac-ft | 133 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 (0.31)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.38 / 0.65
Banks & federal dollars #
$136.5 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,288, highly concentrated. $36.4 m federal obligations in FY2026 (direct payments $34.7 m, grants $1.5 m), $30,778 per covered job
| Item | Value | Distance |
|---|---|---|
| Junction National Bank | $84.6 m · 62.0% share · 1 office | |
| First State Bank | $51.9 m · 38.0% share · 1 office | |
| Kimble, TX | $36.4 m FY2026 · $30,778/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Junction National Bank | $84,621,000 | 62.0% | 1 |
| First State Bank | $51,855,000 | 38.0% | 1 |
Deposit concentration is 5,288 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 62.0² + 38.0² = 5,288
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 $30,778 per covered job, against 1,184 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $36.4 m / 1,184 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,778
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 #
Kimble County, TX: 10 findings, 2 at a watch level and 8 noted
watchKimble County, TX's years of wages of 7.6 ranks 265th 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 = 91.37818419333769 >= 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
watchKimble County, TX's typical home value is -1.1% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI 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: home.momPct = -1.0567724344398255 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteKimble County, TX's average weekly wage was 8.5% 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
- +8.5 % = 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
noteKimble County, TX's typical home value fell 1.1% from $361,122 in July 2026 to $357,306 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -1.1% = (357305.6787590757 - 361121.9156180483) / 361121.9156180483 × 100
- 357305.6787590757 = Zillow ZHVI, 2026-08
- 361121.9156180483 = Zillow ZHVI, 2026-07
noteKimble County, TX's covered employment was 0.1% 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
- +0.1 % = 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
Read all 10 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.