Palo Pinto County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.75, -98.32.
Assembled 2026-10-06. Read the brief.
- 67th pct · 1,005th of 3,063 US counties · median $234,566
- 77th pct · 55th of 243 Texas counties · median $215,660
- 19th pct · 2,461st of 3,063 US counties · median +2.9%
- 46th pct · 130th of 243 Texas counties · median +0.0%
- 37th pct · 871st of 1,399 US counties · median $1,496
- 34th pct · 70th of 106 Texas counties · median $1,483
- 50th pct · 1,584th of 3,221 US counties · median 8,232
- 59th pct · 103rd of 254 Texas counties · median 6,022
- 29th pct · 2,267th of 3,221 US counties · median $1,039
- 18th pct · 206th of 254 Texas counties · median $1,115
- 77th pct · 688th of 3,063 US counties · median 4.3
- 87th pct · 32nd 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 $290,244 (Aug 2026), -0.1% over one year, +11.6% over five
- 67th pct · 1,005th of 3,063 US counties · median $234,566
- 77th pct · 55th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Palo Pinto County, TX | $290,244 · -0.1% 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 $1,367/mo (Aug 2026), n/a over one year; price-to-rent 17.7
- 37th pct · 871st of 1,399 US counties · median $1,496
- 34th pct · 70th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Palo Pinto County, TX | $1,367/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 $1,589 a month on $290,244 at 7.28%, against an average weekly wage worth $4,121 a month: 38.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $290,244 × 80% = $232,195, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,589/mo principal and interest
- wage share = payment / (avg weekly wage $951 × 52 / 12 = $4,121) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $290,244 / ($951 × 52) = 5.9
- price-to-rent = $290,244 / ($1,367 × 12) = 17.7
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 #
8,462 jobs at 735 employers (2026 Q1); -0.5% jobs and +2.6% average weekly wage over the year
- 50th pct · 1,584th of 3,221 US counties · median 8,232
- 59th pct · 103rd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Palo Pinto County, TX | 8,462 jobs · $951/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,476 | $425 | 1.94 | -0.5% |
| Retail trade | 1,189 | $675 | 1.44 | -3.3% |
| Manufacturing | 1,124 | $1,304 | 1.65 | -4.2% |
| Construction | 376 | $1,046 | 0.85 | -1.3% |
| Wholesale trade | 296 | $1,254 | 0.91 | +33.3% |
| Professional and technical services | 227 | $1,108 | 0.39 | +6.6% |
| Arts, entertainment and recreation | 221 | $566 | 1.59 | +51.4% |
| Other services | 216 | $779 | 0.85 | +3.8% |
| Utilities | 134 | $2,177 | 4.01 | +12.6% |
| Transportation and warehousing | 125 | $1,210 | 0.35 | -15.0% |
| Finance and insurance | 120 | $1,274 | 0.35 | -4.8% |
| Real estate and rental | 99 | $1,093 | 0.76 | -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 #
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 #
81 % of conservation capacity, weighted over 37 TWDB reservoirs
Sites found: 41, 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 Palo Pinto | 80 % full · 27k ac-ft | 12 km |
| Possum Kingdom Lake | 86 % full · 538k ac-ft | 17 km |
| Lake Mineral Wells | 85 % full · 5k ac-ft | 27 km |
| Lake Graham | 65 % full · 45k ac-ft | 51 km |
| Leon Reservoir | 76 % full · 28k ac-ft | 55 km |
| Lost Creek Reservoir | 88 % full · 12k ac-ft | 58 km |
| Lake Weatherford | 59 % full · 18k ac-ft | 60 km |
| Hubbard Creek Reservoir | 36 % full · 313k ac-ft | 61 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 #
24 gauges · 0 flooding · 0 with quality panels · 3 stale
Sites found: 24, 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.
| Site | Reading | Distance |
|---|---|---|
| Brazos Rv nr Palo Pinto, TX | flow 114.0 ft³/s | 12 km |
| Brazos Rv nr Graford, TX | flow 16.6 ft³/s | 15 km |
| Keechi Ck at SH 337 nr Graford, TX | stage 17.3 ft | 18 km |
| Palo Pinto Ck at Water Plant Rd nr Santo, TX | stage 1.99 ft | 21 km |
| Rock Ck at Rock Ck Rd nr Bryson, TX | flow 0.00 ft³/s | 33 km |
| Cedar Ck at FM 3253 nr Caddo, TX | flow 0.00 ft³/s | 34 km |
| Brazos Rv nr Dennis, TX | flow 154.0 ft³/s | 40 km |
| Kickapoo Ck at FM 1189 nr Dennis, TX | flow 0.00 ft³/s | 42 km |
| Brazos Rv nr South Bend, TX | flow 0.00 ft³/s | 43 km |
| Clear Fk Brazos Rv at Eliasville, TX | flow 2,530 ft³/s | 48 km |
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 #
2 wells in 1 named aquifer: Edwards-Trinity aquifer system
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| Edwards-Trinity aquifer system | depth 232.2 ft · 2005-09-30 | 61 km |
| Edwards-Trinity aquifer system | depth 307.4 ft · 2005-09-30 | 69 km |
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 (0.36)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.19 / 0.65
Banks & federal dollars #
$1.5 bn in deposits at 11 offices of 7 banks (SOD June 2026); HHI 3,230, highly concentrated. $184.2 m federal obligations in FY2026 (direct payments $181.4 m, contracts $3.2 m), $21,769 per covered job
| Item | Value | Distance |
|---|---|---|
| Titan Bank, N.A. | $771.5 m · 51.0% share · 1 office | |
| First Financial Bank | $288.5 m · 19.1% share · 1 office | |
| Clear Fork Bank, National Association | $154.1 m · 10.2% share · 2 offices | |
| Palo Pinto, TX | $184.2 m FY2026 · $21,769/job | |
| MULTIPLE RECIPIENTS | $177.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Titan Bank, N.A. | $771,503,000 | 51.0% | 1 |
| First Financial Bank | $288,496,000 | 19.1% | 1 |
| Clear Fork Bank, National Association | $154,126,000 | 10.2% | 2 |
| Community National Bank & Trust of Texas | $140,363,000 | 9.3% | 3 |
| Simmons Bank | $128,589,000 | 8.5% | 2 |
| Graham Savings and Loan, SSB | $22,473,000 | 1.5% | 1 |
| First National Bank Texas | $6,922,000 | 0.5% | 1 |
Deposit concentration is 3,230 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 = 51.0² + 19.1² + 10.2² + … (4 more) = 3,230
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 | $154,065,264 |
| Department of Veterans Affairs | $23,062,040 |
| Department of Defense | $2,225,601 |
| Department of Housing and Urban Development | $1,880,591 |
| Department of Agriculture | $1,154,239 |
| Federal Communications Commission | $1,037,278 |
| Railroad Retirement Board | $973,375 |
| Department of Homeland Security | $284,522 |
| Department of Education | $85,276 |
| Department of Justice | $52,450 |
| Small Business Administration | $0 |
| Department of Transportation | -$612,780 |
That is $21,769 per covered job, against 8,462 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $184.2 m / 8,462 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,769
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 #
Palo Pinto County, TX: 7 findings, 2 at a watch level and 5 noted
watchPalo Pinto County, TX's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPalo Pinto County, TX's typical home value is -0.1% 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 = -0.13962729581585193 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
notePalo Pinto County, TX's average weekly wage was 2.6% 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
- +2.6 % = 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
notePalo Pinto County, TX's typical asking rent rose 1.2% from $1,351 in July 2026 to $1,367 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.2% = (1366.6666666666665 - 1350.8090630965228) / 1350.8090630965228 × 100
- 1366.6666666666665 = Zillow ZORI, 2026-08
- 1350.8090630965228 = Zillow ZORI, 2026-07
notePalo Pinto County, TX's covered employment was 0.5% 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
- -0.5 % = 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
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.