Llano County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.71, -98.68.
Assembled 2026-10-06. Read the brief.
- 90th pct · 280th of 3,063 US counties · median $234,566
- 97th pct · 6th of 243 Texas counties · median $215,660
- 4th pct · 2,914th of 3,063 US counties · median +2.9%
- 11th pct · 216th of 243 Texas counties · median +0.0%
- 45th pct · 762nd of 1,399 US counties · median $1,496
- 43rd pct · 60th of 106 Texas counties · median $1,483
- 40th pct · 1,910th of 3,221 US counties · median 8,232
- 48th pct · 132nd of 254 Texas counties · median 6,022
- 56th pct · 1,395th of 3,221 US counties · median $1,039
- 42nd pct · 146th of 254 Texas counties · median $1,115
- 93rd pct · 203rd of 3,063 US counties · median 4.3
- 98th pct · 5th 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 $454,080 (Aug 2026), -4.5% over one year, +0.6% over five
- 90th pct · 280th of 3,063 US counties · median $234,566
- 97th pct · 6th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Llano County, TX | $454,080 · -4.5% 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 $1,451/mo (Aug 2026), n/a over one year; price-to-rent 26.1
- 45th pct · 762nd of 1,399 US counties · median $1,496
- 43rd pct · 60th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Llano County, TX | $1,451/mo · n/a 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 $2,485 a month on $454,080 at 7.28%, against an average weekly wage worth $4,637 a month: 53.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $454,080 × 80% = $363,264, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,485/mo principal and interest
- wage share = payment / (avg weekly wage $1,070 × 52 / 12 = $4,637) = 54% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $454,080 / ($1,070 × 52) = 8.2
- price-to-rent = $454,080 / ($1,451 × 12) = 26.1
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 #
5,665 jobs at 619 employers (2026 Q1); -0.7% jobs and +4.8% average weekly wage over the year
- 40th pct · 1,910th of 3,221 US counties · median 8,232
- 48th pct · 132nd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Llano County, TX | 5,665 jobs · $1,070/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,429 | $833 | 2.81 | +0.2% |
| Retail trade | 681 | $549 | 1.23 | -5.2% |
| Health care and social assistance | 494 | $868 | 0.58 | -2.6% |
| Construction | 466 | $1,143 | 1.57 | -2.5% |
| Finance and insurance | 300 | $2,218 | 1.30 | -3.2% |
| Wholesale trade | 228 | $1,348 | 1.05 | +3.6% |
| Professional and technical services | 218 | $1,978 | 0.56 | +11.8% |
| Arts, entertainment and recreation | 171 | $1,026 | 1.83 | +4.9% |
| Manufacturing | 123 | $888 | 0.27 | +7.9% |
| Other services | 115 | $749 | 0.68 | -11.5% |
| Educational services | 75 | $1,639 | 0.62 | -31.8% |
| Real estate and rental | 71 | $1,159 | 0.82 | -4.1% |
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: 16, 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 | 26 km |
| Inks Lake | 94 % full · 14k ac-ft | 29 km |
| Lake L. B. Johnson | 98 % full · 113k ac-ft | 37 km |
| Lake Marble Falls | 99 % full · 8k ac-ft | 44 km |
| Brady Creek Reservoir | 84 % full · 29k ac-ft | 82 km |
| Lake Travis | 95 % full · 1,098k ac-ft | 82 km |
| Lake Georgetown | 80 % full · 38k ac-ft | 92 km |
| Lake Austin | 97 % full · 24k ac-ft | 96 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 #
low (0.21)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.16 / 0.65
Banks & federal dollars #
$1.5 bn in deposits at 15 offices of 9 banks (SOD June 2026); HHI 2,807, highly concentrated. $223.8 m federal obligations in FY2026 (direct payments $216.8 m, contracts $3.8 m), $39,508 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $733.6 m · 48.1% share · 2 offices | |
| Llano National Bank | $203.4 m · 13.3% share · 3 offices | |
| First United Bank and Trust Company | $191.5 m · 12.6% share · 2 offices | |
| Llano, TX | $223.8 m FY2026 · $39,508/job | |
| MULTIPLE RECIPIENTS | $215.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $733,553,000 | 48.1% | 2 |
| Llano National Bank | $203,434,000 | 13.3% | 3 |
| First United Bank and Trust Company | $191,478,000 | 12.6% | 2 |
| Prosperity Bank | $134,545,000 | 8.8% | 2 |
| Wells Fargo Bank, National Association | $86,581,000 | 5.7% | 1 |
| Arrowhead Bank | $81,679,000 | 5.4% | 2 |
| Security State Bank & Trust | $52,290,000 | 3.4% | 1 |
| Bank of the West | $26,236,000 | 1.7% | 1 |
| ValueBank Texas | $14,452,000 | 0.9% | 1 |
Deposit concentration is 2,807 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 48.1² + 13.3² + 12.6² + … (6 more) = 2,807
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 | $191,373,811 |
| Department of Veterans Affairs | $22,786,523 |
| Department of Homeland Security | $3,567,683 |
| Department of Transportation | $2,826,331 |
| Department of Agriculture | $1,510,702 |
| Railroad Retirement Board | $1,164,834 |
| Department of Housing and Urban Development | $270,490 |
| Department of Justice | $252,617 |
| Department of Defense | $24,990 |
| Federal Communications Commission | $24,300 |
| Small Business Administration | $9,375 |
That is $39,508 per covered job, against 5,665 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $223.8 m / 5,665 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $39,508
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 #
Llano County, TX: 15 findings, 6 at a watch level and 9 noted
watchLlano County, TX's price-to-rent ratio of 26.1 ranks 62nd of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 95.63662374821173 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchLlano County, TX's typical home value is -4.5% 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 = -4.482123826526069 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLlano County, TX's years of wages of 8.2 ranks 203rd 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 = 93.40300457217505 >= 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
watchLlano County, TX's typical asking rent is -2.2% 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 = -2.2082975138092404 <= -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
watchLlano County, TX's price-to-rent ratio is 26.1, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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: priceToRent = 26.0725950449132 >= 25
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level
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.