Medina County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 29.35, -99.11.
Assembled 2026-10-06. Read the brief.
- 74th pct · 792nd of 3,063 US counties · median $234,566
- 84th pct · 39th of 243 Texas counties · median $215,660
- 42nd pct · 5th of 8 counties in the San Antonio-New Braunfels metro · median $327,528
- 8th pct · 2,804th of 3,063 US counties · median +2.9%
- 22nd pct · 188th of 243 Texas counties · median +0.0%
- 14th pct · 7th of 8 counties in the San Antonio-New Braunfels metro · median -1.5%
- 56th pct · 615th of 1,399 US counties · median $1,496
- 67th pct · 35th of 106 Texas counties · median $1,483
- 71st pct · 3rd of 8 counties in the San Antonio-New Braunfels metro · median $1,528
- 58th pct · 1,337th of 3,221 US counties · median 8,232
- 66th pct · 87th of 254 Texas counties · median 6,022
- 28th pct · 6th of 8 counties in the San Antonio-New Braunfels metro · median 17,217
- 40th pct · 1,909th of 3,221 US counties · median $1,039
- 26th pct · 188th of 254 Texas counties · median $1,115
- 14th pct · 7th of 8 counties in the San Antonio-New Braunfels metro · median $1,227
- 80th pct · 584th of 3,063 US counties · median 4.3
- 89th pct · 27th of 243 Texas counties · median 3.6
- 42nd pct · 5th of 8 counties in the San Antonio-New Braunfels metro · median 6.5
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 $321,618 (Aug 2026), -2.5% over one year, +3.7% over five
- 74th pct · 792nd of 3,063 US counties · median $234,566
- 84th pct · 39th of 243 Texas counties · median $215,660
- 42nd pct · 5th of 8 counties in the San Antonio-New Braunfels metro · median $327,528
| Item | Value | Distance |
|---|---|---|
| Medina County, TX | $321,618 · -2.5% 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 $1,562/mo (Aug 2026), n/a over one year; price-to-rent 17.2
- 56th pct · 615th of 1,399 US counties · median $1,496
- 67th pct · 35th of 106 Texas counties · median $1,483
- 71st pct · 3rd of 8 counties in the San Antonio-New Braunfels metro · median $1,528
| Item | Value | Distance |
|---|---|---|
| Medina County, TX | $1,562/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 $1,760 a month on $321,618 at 7.28%, against an average weekly wage worth $4,325 a month: 40.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $321,618 × 80% = $257,294, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,760/mo principal and interest
- wage share = payment / (avg weekly wage $998 × 52 / 12 = $4,325) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $321,618 / ($998 × 52) = 6.2
- price-to-rent = $321,618 / ($1,562 × 12) = 17.2
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 #
11,776 jobs at 910 employers (2026 Q1); +4.7% jobs and +5.3% average weekly wage over the year
- 58th pct · 1,337th of 3,221 US counties · median 8,232
- 66th pct · 87th of 254 Texas counties · median 6,022
- 28th pct · 6th of 8 counties in the San Antonio-New Braunfels metro · median 17,217
| Item | Value | Distance |
|---|---|---|
| Medina County, TX | 11,776 jobs · $998/wk · +4.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,711 | $836 | 1.49 | -1.7% |
| Construction | 1,251 | $1,248 | 2.03 | +3.1% |
| Accommodation and food services | 970 | $375 | 0.92 | -0.2% |
| Manufacturing | 350 | $823 | 0.37 | +15.5% |
| Wholesale trade | 348 | $1,403 | 0.77 | +0.0% |
| Professional and technical services | 347 | $1,049 | 0.43 | -0.3% |
| Other services | 338 | $680 | 0.96 | -1.2% |
| Finance and insurance | 331 | $1,776 | 0.69 | +6.1% |
| Agriculture, forestry, fishing | 225 | $877 | 2.65 | +1.8% |
| Mining, oil and gas | 184 | $1,868 | 4.39 | +17.9% |
| Arts, entertainment and recreation | 110 | $414 | 0.57 | +1.9% |
| Real estate and rental | 86 | $1,062 | 0.48 | +22.9% |
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: 3, 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 |
|---|---|---|
| Medina Lake | 29 % full · 255k ac-ft | 27 km |
| Canyon Lake | 98 % full · 379k ac-ft | 105 km |
| Choke Canyon Reservoir | 22 % full · 663k ac-ft | 128 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 #
moderate (0.39)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.55 / 0.65
Banks & federal dollars #
$1.1 bn in deposits at 14 offices of 7 banks (SOD June 2026); HHI 2,403, highly concentrated. $421.6 m federal obligations in FY2026 (direct payments $367.6 m, grants $53.1 m), $35,798 per covered job
| Item | Value | Distance |
|---|---|---|
| TXN Bank | $404.3 m · 38.1% share · 3 offices | |
| Castroville State Bank | $241.3 m · 22.8% share · 2 offices | |
| Security State Bank | $151.7 m · 14.3% share · 5 offices | |
| Medina, TX | $421.6 m FY2026 · $35,798/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TXN Bank | $404,260,000 | 38.1% | 3 |
| Castroville State Bank | $241,275,000 | 22.8% | 2 |
| Security State Bank | $151,703,000 | 14.3% | 5 |
| Broadway National Bank | $131,459,000 | 12.4% | 1 |
| Vantage Bank Texas | $78,504,000 | 7.4% | 1 |
| American Momentum Bank | $45,856,000 | 4.3% | 1 |
| Woodforest National Bank | $7,459,000 | 0.7% | 1 |
Deposit concentration is 2,403 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 = 38.1² + 22.8² + 14.3² + … (4 more) = 2,403
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 $35,798 per covered job, against 11,776 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $421.6 m / 11,776 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,798
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 #
Medina County, TX: 10 findings, 1 at a watch level and 9 noted
watchMedina County, TX's typical home value is -2.5% 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 = -2.5415298965530617 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteMedina County, TX's average weekly wage was 5.3% 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
- +5.3 % = 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
noteMedina County, TX's covered employment 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
noteMedina County, TX's typical asking rent rose 0.3% from $1,557 in July 2026 to $1,562 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.3% = (1562.4444444444443 - 1557.3687704805889) / 1557.3687704805889 × 100
- 1562.4444444444443 = Zillow ZORI, 2026-08
- 1557.3687704805889 = Zillow ZORI, 2026-07
noteMedina County, TX's covered employment of +4.7% ranks 1st of 8 counties in the San Antonio-New Braunfels metro, against a median of -0.6%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the San Antonio-New Braunfels metro that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
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.