Moore County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.84, -101.89.
Assembled 2026-10-06. Read the brief.
- 32nd pct · 2,053rd of 3,063 US counties · median $234,566
- 39th pct · 147th of 243 Texas counties · median $215,660
- 68th pct · 976th of 3,063 US counties · median +2.9%
- 81st pct · 45th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 61st pct · 1,243rd of 3,221 US counties · median 8,232
- 68th pct · 81st of 254 Texas counties · median 6,022
- 78th pct · 677th of 3,221 US counties · median $1,039
- 67th pct · 82nd of 254 Texas counties · median $1,115
- 19th pct · 2,465th of 3,063 US counties · median 4.3
- 35th pct · 157th 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 $190,605 (Aug 2026), +4.6% over one year, +15.3% over five
- 32nd pct · 2,053rd of 3,063 US counties · median $234,566
- 39th pct · 147th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Moore County, TX | $190,605 · +4.6% 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 $1,043 a month on $190,605 at 7.28%, against an average weekly wage worth $5,326 a month: 19.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $190,605 × 80% = $152,484, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,043/mo principal and interest
- wage share = payment / (avg weekly wage $1,229 × 52 / 12 = $5,326) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $190,605 / ($1,229 × 52) = 3.0
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 #
12,991 jobs at 533 employers (2026 Q1); +2.2% jobs and +6.5% average weekly wage over the year
- 61st pct · 1,243rd of 3,221 US counties · median 8,232
- 68th pct · 81st of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Moore County, TX | 12,991 jobs · $1,229/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,087 | $1,530 | 4.87 | +2.8% |
| Agriculture, forestry, fishing | 2,023 | $953 | 21.56 | +1.8% |
| Retail trade | 980 | $627 | 0.77 | +1.4% |
| Transportation and warehousing | 678 | $1,490 | 1.24 | -6.7% |
| Accommodation and food services | 669 | $413 | 0.57 | +9.1% |
| Construction | 514 | $1,439 | 0.75 | +14.0% |
| Wholesale trade | 345 | $1,380 | 0.69 | -4.4% |
| Health care and social assistance | 228 | $787 | 0.12 | -7.3% |
| Finance and insurance | 130 | $1,006 | 0.25 | -3.7% |
| Professional and technical services | 128 | $1,347 | 0.14 | +0.0% |
| Mining, oil and gas | 60 | $1,287 | 1.30 | -4.8% |
| Real estate and rental | 46 | $961 | 0.23 | -4.2% |
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: 4, 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 Meredith | 44 % full · 500k ac-ft | 34 km |
| Palo Duro Reservoir | 0 % full · 61k ac-ft | 87 km |
| Greenbelt Lake | 5 % full · 60k ac-ft | 129 km |
| Mackenzie Reservoir | 11 % full · 46k ac-ft | 149 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 (0.57)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.66 / 0.65
Banks & federal dollars #
$369.3 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,683, highly concentrated. $74.1 m federal obligations in FY2026 (direct payments $69.4 m, contracts $2.9 m), $5,704 per covered job
| Item | Value | Distance |
|---|---|---|
| Centennial Bank | $205.9 m · 55.8% share · 2 offices | |
| Panhandle First Bank | $60.4 m · 16.4% share · 1 office | |
| First State Bank | $48.5 m · 13.1% share · 1 office | |
| Moore, TX | $74.1 m FY2026 · $5,704/job | |
| MULTIPLE RECIPIENTS | $63.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Centennial Bank | $205,906,000 | 55.8% | 2 |
| Panhandle First Bank | $60,440,000 | 16.4% | 1 |
| First State Bank | $48,479,000 | 13.1% | 1 |
| Dalhart Federal Savings & Loan Association, SSB | $40,495,000 | 11.0% | 1 |
| First National Bank Texas | $14,016,000 | 3.8% | 1 |
Deposit concentration is 3,683 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 55.8² + 16.4² + 13.1² + … (2 more) = 3,683
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 | $58,895,545 |
| Department of Agriculture | $7,889,008 |
| Department of Veterans Affairs | $4,386,487 |
| Department of Transportation | $1,737,736 |
| Federal Communications Commission | $927,436 |
| Railroad Retirement Board | $223,434 |
| Department of Education | $44,585 |
That is $5,704 per covered job, against 12,991 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $74.1 m / 12,991 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $5,704
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 #
Moore County, TX: 5 findings, 5 noted
noteMoore County, TX's average weekly wage was 6.5% 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
- +6.5 % = 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
noteMoore County, TX's covered employment was 2.2% 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
- +2.2 % = 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
noteMoore County, TX's momentum index of 0.72 ranks 170th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteMoore County, TX's momentum index of 0.72 ranks 15th of 254 Texas counties, against a median of 0.20.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 254 Texas counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Moore 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.