Navarro County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.05, -96.48.
Assembled 2026-10-06. Read the brief.
- 49th pct · 1,554th of 3,063 US counties · median $234,566
- 58th pct · 101st of 243 Texas counties · median $215,660
- 30th pct · 2,114th of 3,063 US counties · median +2.9%
- 61st pct · 93rd of 243 Texas counties · median +0.0%
- 41st pct · 820th of 1,399 US counties · median $1,496
- 39th pct · 65th of 106 Texas counties · median $1,483
- 67th pct · 1,063rd of 3,221 US counties · median 8,232
- 73rd pct · 68th of 254 Texas counties · median 6,022
- 44th pct · 1,791st of 3,221 US counties · median $1,039
- 29th pct · 179th of 254 Texas counties · median $1,115
- 52nd pct · 1,441st of 3,063 US counties · median 4.3
- 68th pct · 77th 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 $232,826 (Aug 2026), +1.2% over one year, +23.7% over five
- 49th pct · 1,554th of 3,063 US counties · median $234,566
- 58th pct · 101st of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Navarro County, TX | $232,826 · +1.2% 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 $1,397/mo (Aug 2026), +3.2% over one year; price-to-rent 13.9
- 41st pct · 820th of 1,399 US counties · median $1,496
- 39th pct · 65th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Navarro County, TX | $1,397/mo · +3.2% 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 $1,274 a month on $232,826 at 7.28%, against an average weekly wage worth $4,398 a month: 29.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $232,826 × 80% = $186,261, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,274/mo principal and interest
- wage share = payment / (avg weekly wage $1,015 × 52 / 12 = $4,398) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $232,826 / ($1,015 × 52) = 4.4
- price-to-rent = $232,826 / ($1,397 × 12) = 13.9
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 #
16,531 jobs at 1,017 employers (2026 Q1); -2.0% jobs and +5.2% average weekly wage over the year
- 67th pct · 1,063rd of 3,221 US counties · median 8,232
- 73rd pct · 68th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Navarro County, TX | 16,531 jobs · $1,015/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,835 | $1,255 | 2.13 | -7.1% |
| Retail trade | 2,087 | $730 | 1.30 | -2.3% |
| Accommodation and food services | 1,525 | $395 | 1.03 | +0.9% |
| Construction | 1,354 | $1,272 | 1.56 | -9.7% |
| Transportation and warehousing | 749 | $1,394 | 1.08 | +25.3% |
| Wholesale trade | 543 | $1,261 | 0.86 | -5.7% |
| Finance and insurance | 406 | $1,314 | 0.60 | -7.3% |
| Administrative and waste services | 345 | $924 | 0.37 | -11.5% |
| Other services | 242 | $816 | 0.49 | +0.0% |
| Arts, entertainment and recreation | 209 | $299 | 0.77 | +12.4% |
| Agriculture, forestry, fishing | 202 | $734 | 1.69 | -16.5% |
| Real estate and rental | 194 | $1,566 | 0.77 | +0.5% |
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: 35, 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 |
|---|---|---|
| Halbert Lake | 77 % full · 6k ac-ft | 6 km |
| Navarro Mills Lake | 83 % full · 50k ac-ft | 22 km |
| Richland-Chambers Reservoir | 91 % full · 1,099k ac-ft | 25 km |
| Bardwell Lake | 89 % full · 44k ac-ft | 28 km |
| Cedar Creek Reservoir | 75 % full · 645k ac-ft | 38 km |
| Lake Waxahachie | 76 % full · 11k ac-ft | 45 km |
| Lake Athens | 98 % full · 30k ac-ft | 69 km |
| Aquilla Lake | 84 % full · 43k ac-ft | 70 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 (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.13 / 0.65
Banks & federal dollars #
$1.1 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 2,276, highly concentrated. $318.5 m federal obligations in FY2026 (direct payments $311.9 m, grants $6.0 m), $19,268 per covered job
| Item | Value | Distance |
|---|---|---|
| Community National Bank & Trust of Texas | $422.5 m · 38.1% share · 3 offices | |
| VeraBank, National Association | $240.5 m · 21.7% share · 2 offices | |
| Prosperity Bank | $137.5 m · 12.4% share · 3 offices | |
| Navarro, TX | $318.5 m FY2026 · $19,268/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community National Bank & Trust of Texas | $422,481,000 | 38.1% | 3 |
| VeraBank, National Association | $240,484,000 | 21.7% | 2 |
| Prosperity Bank | $137,537,000 | 12.4% | 3 |
| JPMorgan Chase Bank, National Association | $136,479,000 | 12.3% | 1 |
| City National Bank | $52,460,000 | 4.7% | 1 |
| Harmony Bank | $38,821,000 | 3.5% | 1 |
| The Huntington National Bank | $30,622,000 | 2.8% | 1 |
| Producer Bank of Texas | $29,232,000 | 2.6% | 1 |
| First State Bank | $12,093,000 | 1.1% | 1 |
| Woodforest National Bank | $9,129,000 | 0.8% | 1 |
Deposit concentration is 2,276 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 38.1² + 21.7² + 12.4² + … (7 more) = 2,276
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 $19,268 per covered job, against 16,531 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $318.5 m / 16,531 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,268
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 #
Navarro County, TX: 8 findings, 3 at a watch level and 5 noted
watchNavarro County, TX's covered employment is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchNavarro County, TX's typical asking rent is -1.1% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-08.Show the arithmetic
- test: rent.momPct = -1.0852052754383168 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchNavarro County, TX's typical home value of +1.2% scores 31 on the 0-to-100 scale across US counties but 62 across Texas counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |31 across US counties - 62 across Texas counties|
position among the entities that published this metric this period; not an official level
noteNavarro County, TX's average weekly wage was 5.2% 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
- +5.2 % = 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
noteNavarro County, TX's covered employment was 2.0% 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
- -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
Read all 8 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.