Lamb County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.07, -102.35.
Assembled 2026-10-06. Read the brief.
- 3rd pct · 2,947th of 3,063 US counties · median $234,566
- 7th pct · 224th of 243 Texas counties · median $215,660
- 3rd pct · 2,965th of 3,063 US counties · median +2.9%
- 5th pct · 230th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 31st pct · 2,201st of 3,221 US counties · median 8,232
- 41st pct · 149th of 254 Texas counties · median 6,022
- 70th pct · 946th of 3,221 US counties · median $1,039
- 56th pct · 110th of 254 Texas counties · median $1,115
- 2nd pct · 2,992nd of 3,063 US counties · median 4.3
- 8th pct · 223rd 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 $106,843 (Aug 2026), -6.4% over one year, -12.8% over five
- 3rd pct · 2,947th of 3,063 US counties · median $234,566
- 7th pct · 224th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Lamb County, TX | $106,843 · -6.4% 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 $585 a month on $106,843 at 7.28%, against an average weekly wage worth $4,996 a month: 11.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $106,843 × 80% = $85,474, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $585/mo principal and interest
- wage share = payment / (avg weekly wage $1,153 × 52 / 12 = $4,996) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $106,843 / ($1,153 × 52) = 1.8
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 #
4,027 jobs at 396 employers (2026 Q1); -0.5% jobs and +6.3% average weekly wage over the year
- 31st pct · 2,201st of 3,221 US counties · median 8,232
- 41st pct · 149th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Lamb County, TX | 4,027 jobs · $1,153/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 362 | $674 | 0.92 | -2.2% |
| Health care and social assistance | 333 | $875 | 0.55 | -8.5% |
| Manufacturing | 222 | $1,309 | 0.69 | +4.7% |
| Transportation and warehousing | 218 | $1,321 | 1.28 | +9.0% |
| Wholesale trade | 208 | $1,391 | 1.35 | -5.9% |
| Accommodation and food services | 191 | $340 | 0.53 | -16.2% |
| Construction | 110 | $1,368 | 0.52 | +23.6% |
| Utilities | 93 | $2,247 | 5.85 | -2.1% |
| Professional and technical services | 81 | $822 | 0.29 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Information | 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 #
D2 severe 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 |
|---|---|---|
| Mackenzie Reservoir | 11 % full · 46k ac-ft | 99 km |
| White River Reservoir | 21 % full · 32k ac-ft | 135 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 (0.66)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.85 / 0.65
Banks & federal dollars #
$405.3 m in deposits at 10 offices of 7 banks (SOD June 2026); HHI 2,430, highly concentrated. $83.1 m federal obligations in FY2026 (direct payments $82.2 m, grants $827,384), $20,629 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank | $168.9 m · 41.7% share · 3 offices | |
| Wellington State Bank | $64.1 m · 15.8% share · 2 offices | |
| First Federal Bank Littlefield, Texas | $55.7 m · 13.7% share · 1 office | |
| Lamb, TX | $83.1 m FY2026 · $20,629/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank | $168,932,000 | 41.7% | 3 |
| Wellington State Bank | $64,058,000 | 15.8% | 2 |
| First Federal Bank Littlefield, Texas | $55,688,000 | 13.7% | 1 |
| UMB Bank, National Association | $50,557,000 | 12.5% | 1 |
| Centennial Bank | $30,944,000 | 7.6% | 1 |
| Prosperity Bank | $22,633,000 | 5.6% | 1 |
| First State Bank | $12,534,000 | 3.1% | 1 |
Deposit concentration is 2,430 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 41.7² + 15.8² + 13.7² + … (4 more) = 2,430
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 $20,629 per covered job, against 4,027 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $83.1 m / 4,027 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,629
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 #
Lamb County, TX: 13 findings, 1 at an alert level, 2 at a watch level and 10 noted
alertLamb County, TX's typical home value is -6.4% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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.yoyPct = -6.358647878358266 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchLamb County, TX's typical home value is -6.4% 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 = -6.358647878358266 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLamb 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
noteLamb County, TX's average weekly wage was 6.3% 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
- +6.3 % = 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
noteLamb County, TX's covered employment was 0.5% 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
- -0.5 % = 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
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.