Lynn County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.18, -101.82.
Assembled 2026-10-07. Read the brief.
- 40th pct · 1,837th of 3,063 US counties · median $234,566
- 45th pct · 133rd of 243 Texas counties · median $215,660
- 80th pct · 2nd of 6 counties in the Lubbock metro · median $150,480
- 92nd pct · 216th of 3,063 US counties · median +2.9%
- 92nd pct · 19th of 243 Texas counties · median +0.0%
- 100th pct · 1st of 6 counties in the Lubbock metro · median +2.1%
- US counties: not published this period
- Texas counties: not published this period
- counties in the Lubbock metro: not published this period
- 10th pct · 2,893rd of 3,221 US counties · median 8,232
- 19th pct · 205th of 254 Texas counties · median 6,022
- 40th pct · 4th of 6 counties in the Lubbock metro · median 1,469
- 81st pct · 590th of 3,221 US counties · median $1,039
- 70th pct · 75th of 254 Texas counties · median $1,115
- 80th pct · 2nd of 6 counties in the Lubbock metro · median $1,158
- 24th pct · 2,311th of 3,063 US counties · median 4.3
- 41st pct · 142nd of 243 Texas counties · median 3.6
- 80th pct · 2nd of 6 counties in the Lubbock metro · median 2.3
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 $208,902 (Aug 2026), +8.7% over one year, -5.4% over five
- 40th pct · 1,837th of 3,063 US counties · median $234,566
- 45th pct · 133rd of 243 Texas counties · median $215,660
- 80th pct · 2nd of 6 counties in the Lubbock metro · median $150,480
| Item | Value | Distance |
|---|---|---|
| Lynn County, TX | $208,902 · +8.7% 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
- counties in the Lubbock metro: 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 $1,143 a month on $208,902 at 7.28%, against an average weekly wage worth $5,451 a month: 21.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $208,902 × 80% = $167,122, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,143/mo principal and interest
- wage share = payment / (avg weekly wage $1,258 × 52 / 12 = $5,451) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $208,902 / ($1,258 × 52) = 3.2
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 #
1,395 jobs at 180 employers (2026 Q1); -9.9% jobs and -3.1% average weekly wage over the year
- 10th pct · 2,893rd of 3,221 US counties · median 8,232
- 19th pct · 205th of 254 Texas counties · median 6,022
- 40th pct · 4th of 6 counties in the Lubbock metro · median 1,469
| Item | Value | Distance |
|---|---|---|
| Lynn County, TX | 1,395 jobs · $1,258/wk · -9.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 199 | $1,047 | 19.75 | +5.3% |
| Professional and technical services | 87 | $2,774 | 0.90 | +0.0% |
| Retail trade | 66 | $426 | 0.49 | -14.3% |
| Finance and insurance | 63 | $1,864 | 1.11 | +0.0% |
| Other services | 42 | $2,729 | 1.01 | -6.7% |
| Wholesale trade | 25 | $1,103 | 0.47 | +13.6% |
| Mining, oil and gas | 9 | $875 | 1.81 | -18.2% |
| Administrative and waste services | 6 | $1,477 | 0.08 | +0.0% |
| Real estate and rental | 4 | $669 | 0.19 | +0.0% |
| Unclassified | 4 | $716 | 1.35 | +33.3% |
| Utilities | withheld | |||
| Construction | 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: 5, 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 Alan Henry | 71 % full · 96k ac-ft | 73 km |
| White River Reservoir | 21 % full · 32k ac-ft | 75 km |
| Lake J.B. Thomas | 20 % full · 200k ac-ft | 91 km |
| Lake Colorado City | 53 % full · 31k ac-ft | 125 km |
| Champion Creek Reservoir | 43 % full · 42k ac-ft | 134 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 (0.56)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.63 / 0.65
Banks & federal dollars #
$109.7 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,908, highly concentrated. $126,401 federal obligations in FY2026 (loans $126,401), $91 per covered job
| Item | Value | Distance |
|---|---|---|
| UMB Bank, National Association | $49.0 m · 44.7% share · 1 office | |
| Centennial Bank | $45.4 m · 41.4% share · 1 office | |
| The State National Bank of Big Spring | $15.2 m · 13.9% share · 1 office | |
| Lynn, TX | $126,401 FY2026 · $91/job | |
| REDACTED DUE TO PII | $33.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| UMB Bank, National Association | $49,040,000 | 44.7% | 1 |
| Centennial Bank | $45,428,000 | 41.4% | 1 |
| The State National Bank of Big Spring | $15,188,000 | 13.9% | 1 |
Deposit concentration is 3,908 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 = 44.7² + 41.4² + 13.9² = 3,908
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 |
|---|---|
| Department of Agriculture | $34,090,946 |
| Social Security Administration | $24,199,798 |
| Department of Veterans Affairs | $2,913,900 |
| Federal Communications Commission | $359,233 |
| Department of Housing and Urban Development | $257,208 |
| Department of Transportation | $212,137 |
| Small Business Administration | $121,875 |
| Department of Education | $112,170 |
| Railroad Retirement Board | $47,419 |
That is $91 per covered job, against 1,395 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $126,401 / 1,395 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $91
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 #
Lynn County, TX: 16 findings, 1 at an alert level, 2 at a watch level and 13 noted
alertLynn County, TX's covered employment is -9.9% 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 = -9.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchLynn County, TX's covered employment is -9.9% 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 = -9.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLynn County, TX's average weekly wage is -3.1% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -3.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteLynn County, TX's covered employment was 9.9% 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
- -9.9 % = 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
noteLynn County, TX's average weekly wage was 3.1% 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
- -3.1 % = 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 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.