Madison County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.97, -95.93.
Assembled 2026-10-06. Read the brief.
- 66th pct · 1,033rd of 3,063 US counties · median $234,566
- 76th pct · 57th of 243 Texas counties · median $215,660
- 11th pct · 2,696th of 3,063 US counties · median +2.9%
- 33rd pct · 163rd of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 33rd pct · 2,132nd of 3,221 US counties · median 8,232
- 44th pct · 142nd of 254 Texas counties · median 6,022
- 50th pct · 1,600th of 3,221 US counties · median $1,039
- 35th pct · 163rd of 254 Texas counties · median $1,115
- 69th pct · 942nd of 3,063 US counties · median 4.3
- 81st pct · 46th 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 $286,890 (Aug 2026), -1.6% over one year, +24.5% over five
- 66th pct · 1,033rd of 3,063 US counties · median $234,566
- 76th pct · 57th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Madison County, TX | $286,890 · -1.6% 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 $1,570 a month on $286,890 at 7.28%, against an average weekly wage worth $4,507 a month: 34.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $286,890 × 80% = $229,512, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,570/mo principal and interest
- wage share = payment / (avg weekly wage $1,040 × 52 / 12 = $4,507) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $286,890 / ($1,040 × 52) = 5.3
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 #
4,405 jobs at 294 employers (2026 Q1); +2.8% jobs and +2.4% average weekly wage over the year
- 33rd pct · 2,132nd of 3,221 US counties · median 8,232
- 44th pct · 142nd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Madison County, TX | 4,405 jobs · $1,040/wk · +2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 755 | $820 | 1.76 | +0.0% |
| Manufacturing | 531 | $1,584 | 1.50 | +6.2% |
| Agriculture, forestry, fishing | 357 | $1,084 | 11.22 | -7.5% |
| Construction | 150 | $1,069 | 0.65 | +16.3% |
| Wholesale trade | 98 | $2,009 | 0.58 | -11.7% |
| Other services | 87 | $861 | 0.66 | +13.0% |
| Professional and technical services | 79 | $880 | 0.26 | -16.0% |
| Mining, oil and gas | 71 | $1,623 | 4.53 | -4.1% |
| Administrative and waste services | 30 | $982 | 0.12 | -9.1% |
| Utilities | withheld | |||
| Transportation and warehousing | 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 #
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 #
90 % of conservation capacity, weighted over 19 TWDB reservoirs
Sites found: 27, 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 |
|---|---|---|
| Gibbons Creek Reservoir | 88 % full · 26k ac-ft | 42 km |
| Lake Limestone | 85 % full · 204k ac-ft | 54 km |
| Houston County Lake | 95 % full · 17k ac-ft | 58 km |
| Lk Conroe nr Conroe, TX | 398,300 Acre-ft (USGS, no capacity on file) | 76 km |
| Lake Conroe | 95 % full · 418k ac-ft | 76 km |
| Somerville Lake | 91 % full · 150k ac-ft | 92 km |
| Livingston Reservoir | 91 % full · 1,604k ac-ft | 95 km |
| Livingston Res nr Goodrich, TX | 1,455,000 Acre-ft (USGS, no capacity on file) | 95 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 #
41 gauges · 0 flooding · 3 with quality panels averaging 73 % · 1 stale
Sites found: 41, 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 |
|---|---|---|
| Trinity Rv nr Crockett, TX | flow 10,000 ft³/s · quality 70 % (5) · no flooding | 49 km |
| Caney Ck nr Madisonville, TX | stage 218.9 ft · no flooding | 3 km |
| Bedias Ck nr Madisonville, TX | flow 10.4 ft³/s · no flooding | 17 km |
| Larrison Ck at FM 1428 nr Midway, TX | stage 157.2 ft · no flooding | 20 km |
| Trinity Rv nr Midway, TX | flow 9,910 ft³/s | 25 km |
| Navasota Rv nr Bryan, TX | flow 684.0 ft³/s · STALE | 27 km |
| Navasota Rv at Old San Antonio Rd nr Bryan, TX | flow 28.4 ft³/s · no flooding | 30 km |
| Nelson Ck at FM 247 nr Huntsville, TX | stage 182.2 ft · no flooding | 36 km |
| Trinity Rv at FM 3478 nr Trinity, TX | stage 130.9 ft | 39 km |
| Lower Keechi Ck at IH 45 nr Centerville, TX | stage 275.4 ft | 39 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 #
9 wells in 0 named aquifers:
Sites found: 9, 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-303431095430001 | depth 4.73 ft · 2022-04-18 | 48 km |
| USGS-303431095430002 | depth 23.5 ft · 2022-04-18 | 48 km |
| USGS-303431095430003 | depth 23.8 ft · 2022-04-18 | 48 km |
| USGS-302948095422501 | depth 50.9 ft · 2026-10-05 | 56 km |
| USGS-303143095334801 | depth 77.6 ft · 2022-07-27 | 60 km |
| USGS-302636095422803 | depth 16.6 ft · 2022-08-10 | 62 km |
| USGS-302636095422801 | depth 16.2 ft · 2022-08-10 | 62 km |
| USGS-304013095220101 | depth 31.1 ft · 2020-09-27 | 63 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 #
low (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.10 + 0.2×0.27 / 0.85
Banks & federal dollars #
$239.2 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,927, highly concentrated. $99.3 m federal obligations in FY2026 (direct payments $68.4 m, grants $30.9 m), $22,551 per covered job
| Item | Value | Distance |
|---|---|---|
| Prosperity Bank | $150.8 m · 63.0% share · 1 office | |
| First National Bank of Huntsville | $72.0 m · 30.1% share · 1 office | |
| Normangee State Bank | $16.4 m · 6.9% share · 1 office | |
| Madison, TX | $99.3 m FY2026 · $22,551/job | |
| MULTIPLE RECIPIENTS | $67.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Prosperity Bank | $150,776,000 | 63.0% | 1 |
| First National Bank of Huntsville | $72,013,000 | 30.1% | 1 |
| Normangee State Bank | $16,404,000 | 6.9% | 1 |
Deposit concentration is 4,927 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 = 63.0² + 30.1² + 6.9² = 4,927
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 | $58,250,550 |
| Department of Transportation | $30,532,984 |
| Department of Veterans Affairs | $8,460,825 |
| Department of Agriculture | $1,031,707 |
| Railroad Retirement Board | $554,393 |
| Department of Housing and Urban Development | $250,708 |
| Department of Justice | $125,000 |
| Federal Communications Commission | $103,226 |
| Department of Education | $28,972 |
That is $22,551 per covered job, against 4,405 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $99.3 m / 4,405 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,551
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 #
Madison County, TX: 4 findings, 1 at a watch level and 3 noted
watchMadison County, TX's typical home value is -1.6% 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 = -1.5519751945167795 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteMadison County, TX's covered employment was 2.8% 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
- +2.8 % = 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
noteMadison County, TX's average weekly wage was 2.4% 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
- +2.4 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Madison County, TX is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.