Kleberg County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.44, -97.66.
Assembled 2026-10-07. Read the brief.
- 15th pct · 2,580th of 3,063 US counties · median $234,566
- 23rd pct · 187th of 243 Texas counties · median $215,660
- 22nd pct · 2,372nd of 3,063 US counties · median +2.9%
- 53rd pct · 114th of 243 Texas counties · median +0.0%
- 54th pct · 642nd of 1,399 US counties · median $1,496
- 61st pct · 41st of 106 Texas counties · median $1,483
- 61st pct · 1,239th of 3,221 US counties · median 8,232
- 68th pct · 80th of 254 Texas counties · median 6,022
- 61st pct · 1,236th of 3,221 US counties · median $1,039
- 46th pct · 137th of 254 Texas counties · median $1,115
- 12th pct · 2,681st of 3,063 US counties · median 4.3
- 26th pct · 178th 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 $149,576 (Aug 2026), +0.2% over one year, +2.5% over five
- 15th pct · 2,580th of 3,063 US counties · median $234,566
- 23rd pct · 187th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Kleberg County, TX | $149,576 · +0.2% 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 $1,542/mo (Aug 2026), +8.1% over one year; price-to-rent 8.1
- 54th pct · 642nd of 1,399 US counties · median $1,496
- 61st pct · 41st of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Kleberg County, TX | $1,542/mo · +8.1% 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 $819 a month on $149,576 at 7.28%, against an average weekly wage worth $4,749 a month: 17.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $149,576 × 80% = $119,661, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $819/mo principal and interest
- wage share = payment / (avg weekly wage $1,096 × 52 / 12 = $4,749) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $149,576 / ($1,096 × 52) = 2.6
- price-to-rent = $149,576 / ($1,542 × 12) = 8.1
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 #
13,032 jobs at 625 employers (2026 Q1); +5.0% jobs and +2.7% average weekly wage over the year
- 61st pct · 1,239th of 3,221 US counties · median 8,232
- 68th pct · 80th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Kleberg County, TX | 13,032 jobs · $1,096/wk · +5.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,592 | $685 | 1.25 | +7.1% |
| Accommodation and food services | 1,589 | $436 | 1.36 | +8.5% |
| Manufacturing | 525 | $1,522 | 0.50 | +4.4% |
| Administrative and waste services | 396 | $922 | 0.53 | +21.5% |
| Other services | 296 | $1,426 | 0.76 | +4.6% |
| Agriculture, forestry, fishing | 283 | $1,383 | 3.01 | -6.9% |
| Finance and insurance | 249 | $1,617 | 0.47 | -0.8% |
| Real estate and rental | 98 | $1,011 | 0.49 | -15.5% |
| Transportation and warehousing | 84 | $3,115 | 0.15 | -1.2% |
| Arts, entertainment and recreation | 41 | $780 | 0.19 | -6.8% |
| Utilities | 35 | $2,427 | 0.68 | +16.7% |
| Wholesale trade | 18 | $688 | 0.04 | +0.0% |
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: 2, 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 | 70 km |
| Choke Canyon Reservoir | 22 % full · 663k ac-ft | 130 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 + 0.3×0.61 / 0.65
Banks & federal dollars #
$580.9 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 3,567, highly concentrated. $205.2 m federal obligations in FY2026 (direct payments $178.9 m, grants $17.8 m), $15,743 per covered job
| Item | Value | Distance |
|---|---|---|
| Kleberg Bank, N.A. | $311.4 m · 53.6% share · 1 office | |
| Wells Fargo Bank, National Association | $131.2 m · 22.6% share · 1 office | |
| First Community Bank | $61.9 m · 10.7% share · 1 office | |
| Kleberg, TX | $205.2 m FY2026 · $15,743/job | |
| MULTIPLE RECIPIENTS | $148.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Kleberg Bank, N.A. | $311,393,000 | 53.6% | 1 |
| Wells Fargo Bank, National Association | $131,221,000 | 22.6% | 1 |
| First Community Bank | $61,915,000 | 10.7% | 1 |
| Prosperity Bank | $34,393,000 | 5.9% | 1 |
| Bank of South Texas | $32,374,000 | 5.6% | 2 |
| International Bank of Commerce | $9,563,000 | 1.6% | 1 |
Deposit concentration is 3,567 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 53.6² + 22.6² + 10.7² + … (3 more) = 3,567
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 | $110,027,512 |
| Department of Veterans Affairs | $37,462,799 |
| Department of Education | $25,745,878 |
| Department of Defense | $8,022,112 |
| Department of Housing and Urban Development | $6,189,933 |
| National Science Foundation | $5,599,994 |
| Department of Transportation | $3,976,986 |
| Department of Health and Human Services | $3,470,383 |
| Department of Agriculture | $2,617,076 |
| Railroad Retirement Board | $1,009,519 |
| Federal Communications Commission | $599,182 |
| Department of Homeland Security | $302,051 |
That is $15,743 per covered job, against 13,032 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $205.2 m / 13,032 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,743
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Kleberg County, TX: 13 findings, 3 at a watch level and 10 noted
watchKleberg County, TX's typical asking rent is -1.6% 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 = -1.6003324512936468 <= -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
watchKleberg County, TX's typical asking rent is +8.1% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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.yoyPct = 8.123423539590194 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchKleberg County, TX's typical home value of +0.2% scores 23 on the 0-to-100 scale across US counties but 53 across Texas counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |23 across US counties - 53 across Texas counties|
position among the entities that published this metric this period; not an official level
noteKleberg County, TX's covered employment was 5.0% 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 % = 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
noteKleberg County, TX's average weekly wage was 2.7% 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
- +2.7 % = 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 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.