Lampasas County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.20, -98.24.
Assembled 2026-10-06. Read the brief.
- 72nd pct · 830th of 3,063 US counties · median $234,566
- 82nd pct · 43rd of 243 Texas counties · median $215,660
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 37th pct · 1,913th of 3,063 US counties · median +2.9%
- 68th pct · 77th of 243 Texas counties · median +0.0%
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 49th pct · 701st of 1,399 US counties · median $1,496
- 52nd pct · 51st of 106 Texas counties · median $1,483
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 39th pct · 1,942nd of 3,221 US counties · median 8,232
- 47th pct · 135th of 254 Texas counties · median 6,022
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 35th pct · 2,085th of 3,221 US counties · median $1,039
- 22nd pct · 196th of 254 Texas counties · median $1,115
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
- 81st pct · 558th of 3,063 US counties · median 4.3
- 90th pct · 24th of 243 Texas counties · median 3.6
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
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 $317,107 (Aug 2026), +1.8% over one year, +23.5% over five
- 72nd pct · 830th of 3,063 US counties · median $234,566
- 82nd pct · 43rd of 243 Texas counties · median $215,660
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lampasas County, TX | $317,107 · +1.8% 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 $1,496/mo (Aug 2026), -2.3% over one year; price-to-rent 17.7
- 49th pct · 701st of 1,399 US counties · median $1,496
- 52nd pct · 51st of 106 Texas counties · median $1,483
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lampasas County, TX | $1,496/mo · -2.3% 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 $1,736 a month on $317,107 at 7.28%, against an average weekly wage worth $4,212 a month: 41.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $317,107 × 80% = $253,686, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,736/mo principal and interest
- wage share = payment / (avg weekly wage $972 × 52 / 12 = $4,212) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $317,107 / ($972 × 52) = 6.3
- price-to-rent = $317,107 / ($1,496 × 12) = 17.7
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 #
5,478 jobs at 497 employers (2026 Q1); -4.5% jobs and +4.7% average weekly wage over the year
- 39th pct · 1,942nd of 3,221 US counties · median 8,232
- 47th pct · 135th of 254 Texas counties · median 6,022
- counties in the Killeen-Temple metro: Rank context is unavailable: the manifest lists 3 counties in the Killeen-Temple metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lampasas County, TX | 5,478 jobs · $972/wk · -4.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 695 | $835 | 1.30 | -5.8% |
| Construction | 663 | $1,065 | 2.31 | +2.3% |
| Accommodation and food services | 537 | $353 | 1.09 | +8.7% |
| Health care and social assistance | 375 | $1,159 | 0.45 | -39.1% |
| Other services | 181 | $596 | 1.11 | -2.2% |
| Administrative and waste services | 151 | $1,248 | 0.48 | +0.0% |
| Finance and insurance | 79 | $1,846 | 0.35 | +2.6% |
| Wholesale trade | 76 | $1,883 | 0.36 | -5.0% |
| Educational services | 43 | $510 | 0.36 | +16.2% |
| Real estate and rental | 29 | $1,034 | 0.35 | -17.1% |
| Arts, entertainment and recreation | 15 | $274 | 0.17 | -6.2% |
| Agriculture, forestry, fishing | 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 #
88 % of conservation capacity, weighted over 24 TWDB reservoirs
Sites found: 31, 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 Buchanan | 96 % full · 867k ac-ft | 52 km |
| LCRA Lk Buchanan nr Burnet, TX | 1,019 ft (USGS, no capacity on file) | 52 km |
| LCRA Inks Lk nr Kingsland, TX | 886.9 ft (USGS, no capacity on file) | 54 km |
| Inks Lake | 94 % full · 14k ac-ft | 54 km |
| Stillhouse Hollow Lake | 98 % full · 230k ac-ft | 70 km |
| LCRA Lk Marble Falls nr Marble Falls, TX | 736.8 ft (USGS, no capacity on file) | 71 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 71 km |
| LCRA Lk LBJ nr Marble Falls, TX | 824.7 ft (USGS, no capacity on file) | 72 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 #
29 gauges · 0 flooding · 0 with quality panels · 1 stale
Sites found: 29, 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 |
|---|---|---|
| Lampasas Rv at US-281 nr Adamsville, TX | flow 0.00 ft³/s | 13 km |
| Lampasas Rv nr Kempner, TX | flow 34.0 ft³/s | 25 km |
| Colorado Rv nr San Saba, TX | flow 111.0 ft³/s | 31 km |
| House Ck at Old Georgetown Rd nr Ft Hood, TX | stage 5.37 ft | 35 km |
| Cowhouse Ck at Pidcoke, TX | flow 2.69 ft³/s | 35 km |
| Cowhouse Ck at FM 1783 nr Purmela, TX | stage 816.5 ft | 37 km |
| S Fk Rocky Ck nr Briggs, TX | flow 0.79 ft³/s | 37 km |
| Cowhouse Ck at Old Georgetown Rd nr Ft Hood, TX | stage 5.46 ft | 39 km |
| Clear Ck at Ft Hood, TX | stage 3.72 ft | 41 km |
| House Ck at W Range Rd nr Ft Hood, TX | stage 4.46 ft | 41 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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-312558097435201 | depth 459.4 ft · 2005-09-12 | 55 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.12 / 0.65
Banks & federal dollars #
$487.1 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,052, highly concentrated. $231.2 m federal obligations in FY2026 (direct payments $241.3 m, contracts $131,761), $42,207 per covered job
| Item | Value | Distance |
|---|---|---|
| First Texas Bank | $232.4 m · 47.7% share · 2 offices | |
| The Huntington National Bank | $197.0 m · 40.4% share · 1 office | |
| First State Bank of Burnet | $57.7 m · 11.9% share · 1 office | |
| Lampasas, TX | $231.2 m FY2026 · $42,207/job | |
| MULTIPLE RECIPIENTS | $239.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Texas Bank | $232,406,000 | 47.7% | 2 |
| The Huntington National Bank | $196,952,000 | 40.4% | 1 |
| First State Bank of Burnet | $57,745,000 | 11.9% | 1 |
Deposit concentration is 4,052 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 47.7² + 40.4² + 11.9² = 4,052
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 | $138,500,025 |
| Department of Veterans Affairs | $100,437,946 |
| Department of Agriculture | $1,067,841 |
| Railroad Retirement Board | $966,041 |
| Department of Housing and Urban Development | $389,686 |
| Department of Defense | $112,501 |
| Federal Communications Commission | $89,433 |
| Department of Education | $64,980 |
| Small Business Administration | $3,731 |
| Department of Transportation | -$10,421,289 |
That is $42,207 per covered job, against 5,478 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $231.2 m / 5,478 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $42,207
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Lampasas County, TX: 10 findings, 1 at an alert level, 2 at a watch level and 7 noted
alertLampasas County, TX's covered employment is -4.5% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchLampasas County, TX's covered employment is -4.5% 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 = -4.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLampasas County, TX's typical home value of +1.8% scores 38 on the 0-to-100 scale across US counties but 69 across Texas counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |38 across US counties - 69 across Texas counties|
position among the entities that published this metric this period; not an official level
noteLampasas County, TX's average weekly wage was 4.7% 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
- +4.7 % = 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
noteLampasas County, TX's covered employment was 4.5% 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
- -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
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.