Ochiltree County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.28, -100.82.
Assembled 2026-10-06. Read the brief.
- 9th pct · 2,783rd of 3,063 US counties · median $234,566
- 15th pct · 206th of 243 Texas counties · median $215,660
- 97th pct · 66th of 3,063 US counties · median +2.9%
- 96th pct · 9th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 31st pct · 2,208th of 3,221 US counties · median 8,232
- 40th pct · 151st of 254 Texas counties · median 6,022
- 63rd pct · 1,160th of 3,221 US counties · median $1,039
- 48th pct · 132nd of 254 Texas counties · median $1,115
- 6th pct · 2,854th of 3,063 US counties · median 4.3
- 17th pct · 200th 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 $130,951 (Aug 2026), +11.8% over one year, -14.6% over five
- 9th pct · 2,783rd of 3,063 US counties · median $234,566
- 15th pct · 206th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Ochiltree County, TX | $130,951 · +11.8% 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 $717 a month on $130,951 at 7.28%, against an average weekly wage worth $4,806 a month: 14.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $130,951 × 80% = $104,761, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $717/mo principal and interest
- wage share = payment / (avg weekly wage $1,109 × 52 / 12 = $4,806) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $130,951 / ($1,109 × 52) = 2.3
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 #
3,996 jobs at 381 employers (2026 Q1); -2.5% jobs and +1.4% average weekly wage over the year
- 31st pct · 2,208th of 3,221 US counties · median 8,232
- 40th pct · 151st of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Ochiltree County, TX | 3,996 jobs · $1,109/wk · -2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 899 | $1,573 | 63.18 | -7.4% |
| Agriculture, forestry, fishing | 570 | $1,249 | 19.75 | +0.0% |
| Accommodation and food services | 333 | $362 | 0.93 | -3.2% |
| Retail trade | 301 | $590 | 0.77 | -11.2% |
| Construction | 172 | $1,053 | 0.82 | -9.5% |
| Wholesale trade | 163 | $1,663 | 1.06 | +1.2% |
| Other services | 111 | $615 | 0.93 | +8.8% |
| Finance and insurance | 104 | $1,440 | 0.64 | +1.0% |
| Professional and technical services | 88 | $1,019 | 0.32 | +6.0% |
| Arts, entertainment and recreation | 28 | $311 | 0.43 | +0.0% |
| Manufacturing | 22 | $1,025 | 0.07 | +37.5% |
| Information | 21 | $1,287 | 0.29 | -25.0% |
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 #
D4 exceptional 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 |
|---|---|---|
| Palo Duro Reservoir | 0 % full · 61k ac-ft | 32 km |
| Lake Meredith | 44 % full · 500k ac-ft | 91 km |
| Greenbelt Lake | 5 % full · 60k ac-ft | 142 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 #
severe (0.83)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 + 0.3×0.64 / 0.65
Banks & federal dollars #
$792.9 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 3,235, highly concentrated. $35.3 m federal obligations in FY2026 (direct payments $34.8 m, grants $490,089), $8,843 per covered job
| Item | Value | Distance |
|---|---|---|
| FirstBank Southwest | $335.3 m · 42.3% share · 1 office | |
| Interstate Bank | $238.1 m · 30.0% share · 1 office | |
| The Perryton National Bank | $181.1 m · 22.8% share · 1 office | |
| Ochiltree, TX | $35.3 m FY2026 · $8,843/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| FirstBank Southwest | $335,252,000 | 42.3% | 1 |
| Interstate Bank | $238,078,000 | 30.0% | 1 |
| The Perryton National Bank | $181,142,000 | 22.8% | 1 |
| Panhandle First Bank | $38,405,000 | 4.8% | 1 |
Deposit concentration is 3,235 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 42.3² + 30.0² + 22.8² + … (1 more) = 3,235
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 $8,843 per covered job, against 3,996 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $35.3 m / 3,996 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,843
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 #
Ochiltree County, TX: 9 findings, 1 at a watch level and 8 noted
watchOchiltree County, TX's covered employment is -2.5% 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 = -2.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteOchiltree County, TX's covered employment was 2.5% 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
- -2.5 % = 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
noteOchiltree County, TX's average weekly wage 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
noteOchiltree County, TX's typical home value rose 0.3% from $130,571 in July 2026 to $130,951 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (130950.96124960184 - 130571.44834850226) / 130571.44834850226 × 100
- 130950.96124960184 = Zillow ZHVI, 2026-08
- 130571.44834850226 = Zillow ZHVI, 2026-07
noteOchiltree County, TX's typical home value of +11.8% ranks 66th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 98 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 9 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.