Nacogdoches County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.62, -94.62.
Assembled 2026-10-06. Read the brief.
- 45th pct · 1,661st of 3,063 US counties · median $234,566
- 54th pct · 112th of 243 Texas counties · median $215,660
- 61st pct · 1,165th of 3,063 US counties · median +2.9%
- 79th pct · 50th of 243 Texas counties · median +0.0%
- 13th pct · 1,216th of 1,399 US counties · median $1,496
- 4th pct · 101st of 106 Texas counties · median $1,483
- 73rd pct · 853rd of 3,221 US counties · median 8,232
- 80th pct · 50th of 254 Texas counties · median 6,022
- 40th pct · 1,898th of 3,221 US counties · median $1,039
- 26th pct · 186th of 254 Texas counties · median $1,115
- 50th pct · 1,515th of 3,063 US counties · median 4.3
- 65th pct · 84th 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 $224,092 (Aug 2026), +4.0% over one year, +19.7% over five
- 45th pct · 1,661st of 3,063 US counties · median $234,566
- 54th pct · 112th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Nacogdoches County, TX | $224,092 · +4.0% 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 $1,075/mo (Aug 2026), +5.2% over one year; price-to-rent 17.4
- 13th pct · 1,216th of 1,399 US counties · median $1,496
- 4th pct · 101st of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Nacogdoches County, TX | $1,075/mo · +5.2% 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 $1,227 a month on $224,092 at 7.28%, against an average weekly wage worth $4,329 a month: 28.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $224,092 × 80% = $179,274, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,227/mo principal and interest
- wage share = payment / (avg weekly wage $999 × 52 / 12 = $4,329) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $224,092 / ($999 × 52) = 4.3
- price-to-rent = $224,092 / ($1,075 × 12) = 17.4
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 #
22,696 jobs at 1,408 employers (2026 Q1); +1.4% jobs and +4.0% average weekly wage over the year
- 73rd pct · 853rd of 3,221 US counties · median 8,232
- 80th pct · 50th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Nacogdoches County, TX | 22,696 jobs · $999/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,313 | $1,242 | 1.81 | +0.9% |
| Accommodation and food services | 2,782 | $359 | 1.36 | -5.2% |
| Health care and social assistance | 2,678 | $1,122 | 0.78 | -3.4% |
| Retail trade | 2,673 | $719 | 1.21 | +3.2% |
| Construction | 1,190 | $1,116 | 1.00 | +31.3% |
| Administrative and waste services | 663 | $703 | 0.51 | -12.3% |
| Other services | 630 | $750 | 0.93 | +4.3% |
| Wholesale trade | 606 | $1,412 | 0.70 | +15.6% |
| Finance and insurance | 592 | $1,969 | 0.64 | -12.8% |
| Real estate and rental | 460 | $815 | 1.32 | +52.8% |
| Agriculture, forestry, fishing | 444 | $1,019 | 2.71 | +11.3% |
| Professional and technical services | 430 | $1,117 | 0.27 | -1.6% |
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 Nacogdoches | 85 % full · 40k ac-ft | 20 km |
| Lake Striker | 81 % full · 17k ac-ft | 48 km |
| Murvaul Lake | 89 % full · 38k ac-ft | 50 km |
| Martin Lake | 79 % full · 76k ac-ft | 71 km |
| Lake Jacksonville | 97 % full · 26k ac-ft | 73 km |
| Sam Rayburn Reservoir | 64 % full · 2,857k ac-ft | 79 km |
| Lake Cherokee | 80 % full · 40k ac-ft | 83 km |
| Lake Tyler | 86 % full · 72k ac-ft | 87 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 (0.23)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.21 / 0.65
Banks & federal dollars #
$1.7 bn in deposits at 18 offices of 9 banks (SOD June 2026); HHI 2,355, highly concentrated. $470.5 m federal obligations in FY2026 (direct payments $368.2 m, grants $102.0 m), $20,729 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $587.9 m · 34.0% share · 4 offices | |
| Commercial Bank of Texas, National Association | $543.9 m · 31.4% share · 6 offices | |
| Citizens 1st Bank | $131.9 m · 7.6% share · 1 office | |
| Nacogdoches, TX | $470.5 m FY2026 · $20,729/job | |
| MULTIPLE RECIPIENTS | $323.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $587,887,000 | 34.0% | 4 |
| Commercial Bank of Texas, National Association | $543,889,000 | 31.4% | 6 |
| Citizens 1st Bank | $131,948,000 | 7.6% | 1 |
| Austin Bank, Texas National Association | $119,397,000 | 6.9% | 2 |
| Regions Bank | $118,272,000 | 6.8% | 1 |
| Southside Bank | $107,590,000 | 6.2% | 1 |
| UBank | $69,706,000 | 4.0% | 1 |
| Texas Bank | $44,624,000 | 2.6% | 1 |
| First National Bank Texas | $7,480,000 | 0.4% | 1 |
Deposit concentration is 2,355 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 = 34.0² + 31.4² + 7.6² + … (6 more) = 2,355
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 | $277,762,027 |
| Department of Transportation | $82,527,096 |
| Department of Veterans Affairs | $44,643,395 |
| Department of Education | $29,635,715 |
| Department of Health and Human Services | $18,695,764 |
| Department of Housing and Urban Development | $13,347,004 |
| Department of Agriculture | $1,443,722 |
| Federal Communications Commission | $1,196,185 |
| Railroad Retirement Board | $1,181,533 |
| Small Business Administration | $16,225 |
| Department of Justice | $8,030 |
That is $20,729 per covered job, against 22,696 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $470.5 m / 22,696 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,729
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Nacogdoches County, TX: 7 findings, 7 noted
noteNacogdoches County, TX's average weekly wage was 4.0% 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 % = 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
noteNacogdoches County, TX's covered employment was 1.4% 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
- +1.4 % = 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
noteNacogdoches County, TX's typical asking rent rose 0.8% from $1,066 in July 2026 to $1,075 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.8% = (1074.6000000000001 - 1066.1529771280852) / 1066.1529771280852 × 100
- 1074.6000000000001 = Zillow ZORI, 2026-08
- 1066.1529771280852 = Zillow ZORI, 2026-07
noteNacogdoches County, TX's typical home value rose 0.3% from $223,371 in July 2026 to $224,092 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (224092.0285224657 - 223371.27149914892) / 223371.27149914892 × 100
- 224092.0285224657 = Zillow ZHVI, 2026-08
- 223371.27149914892 = Zillow ZHVI, 2026-07
noteNacogdoches County, TX's typical asking rent of $1,075 ranks 101st of 106 Texas counties, against a median of $1,483.
Period 2026-08.Show the arithmetic
- 5 on the 0-to-100 scale across 106 Texas counties that published rent.latest
position among the entities that published this metric this period; not an official level
Read all 7 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.