Panola County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.16, -94.31.
Assembled 2026-10-06. Read the brief.
- 38th pct · 1,875th of 3,063 US counties · median $234,566
- 42nd pct · 139th of 243 Texas counties · median $215,660
- 67th pct · 1,009th of 3,063 US counties · median +2.9%
- 81st pct · 46th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 50th pct · 1,607th of 3,221 US counties · median 8,232
- 58th pct · 106th of 254 Texas counties · median 6,022
- 85th pct · 480th of 3,221 US counties · median $1,039
- 74th pct · 64th of 254 Texas counties · median $1,115
- 20th pct · 2,440th of 3,063 US counties · median 4.3
- 35th pct · 156th 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 $205,142 (Aug 2026), +4.5% over one year, +5.4% over five
- 38th pct · 1,875th of 3,063 US counties · median $234,566
- 42nd pct · 139th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Panola County, TX | $205,142 · +4.5% 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 $1,123 a month on $205,142 at 7.28%, against an average weekly wage worth $5,646 a month: 19.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $205,142 × 80% = $164,113, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,123/mo principal and interest
- wage share = payment / (avg weekly wage $1,303 × 52 / 12 = $5,646) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $205,142 / ($1,303 × 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 #
8,266 jobs at 532 employers (2026 Q1); +8.8% jobs and +9.0% average weekly wage over the year
- 50th pct · 1,607th of 3,221 US counties · median 8,232
- 58th pct · 106th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Panola County, TX | 8,266 jobs · $1,303/wk · +8.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 1,358 | $1,694 | 3.13 | +22.1% |
| Mining, oil and gas | 1,037 | $1,995 | 35.23 | +34.2% |
| Manufacturing | 931 | $1,168 | 1.40 | +5.4% |
| Retail trade | 860 | $785 | 1.07 | +1.5% |
| Health care and social assistance | 601 | $805 | 0.48 | -2.1% |
| Accommodation and food services | 480 | $382 | 0.65 | +25.7% |
| Professional and technical services | 316 | $2,552 | 0.55 | +7.8% |
| Transportation and warehousing | 220 | $2,082 | 0.63 | -8.3% |
| Real estate and rental | 207 | $1,821 | 1.63 | +250.8% |
| Wholesale trade | 145 | $1,921 | 0.46 | -18.1% |
| Finance and insurance | 141 | $1,235 | 0.42 | -6.0% |
| Educational services | 42 | $634 | 0.24 | -8.7% |
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 #
D3 extreme 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 #
77 % of conservation capacity, weighted over 19 TWDB reservoirs
Sites found: 22, 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 |
|---|---|---|
| Murvaul Lake | 89 % full · 38k ac-ft | 18 km |
| Martin Lake | 79 % full · 76k ac-ft | 27 km |
| Lake Cherokee | 80 % full · 40k ac-ft | 41 km |
| Lake Striker | 81 % full · 17k ac-ft | 68 km |
| Lake O the Pines | 93 % full · 241k ac-ft | 68 km |
| Caddo Lake | 59 % full · 30k ac-ft | 71 km |
| Lk Nacogdoches nr Nacogdoches, TX | 33,760 Acre-ft (USGS, no capacity on file) | 81 km |
| Lake Nacogdoches | 85 % full · 40k ac-ft | 81 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 #
48 gauges · 0 flooding · 0 with quality panels · 1 stale
Sites found: 48, 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 |
|---|---|---|
| Sabine Rv nr Carthage, TX | flow 7,250 ft³/s | 10 km |
| Murvaul Bayou at Lake Murvaul | no flooding | 18 km |
| Sabine Rv nr Beckville, TX | flow 171.0 ft³/s · no flooding | 19 km |
| Martin Ck nr Tatum, TX | flow 0.99 ft³/s · STALE | 23 km |
| Martin Creek at Martin Creek Lake | no readings | 27 km |
| Sabine Rv at Logansport, LA | flow 606.0 ft³/s · no flooding | 35 km |
| Flat Fork Ck at SH 7 nr Center, TX | flow 0.00 ft³/s | 37 km |
| Cherokee Bayou at Lake Cherokee | no flooding | 37 km |
| Boggy Bayou N of Spring Ridge, LA | stage 3.00 ft | 40 km |
| Bayou Grand Cane near Stanley, LA | flow 0.00 ft³/s | 41 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 #
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 (0.51)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.23 / 0.65
Banks & federal dollars #
$736.5 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 4,723, highly concentrated. $159.1 m federal obligations in FY2026 (direct payments $152.8 m, grants $6.1 m), $19,252 per covered job
| Item | Value | Distance |
|---|---|---|
| First State Bank and Trust Company | $490.6 m · 66.6% share · 1 office | |
| VeraBank, National Association | $90.7 m · 12.3% share · 1 office | |
| Farmers State Bank | $58.1 m · 7.9% share · 1 office | |
| Panola, TX | $159.1 m FY2026 · $19,252/job | |
| MULTIPLE RECIPIENTS | $148.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First State Bank and Trust Company | $490,563,000 | 66.6% | 1 |
| VeraBank, National Association | $90,713,000 | 12.3% | 1 |
| Farmers State Bank | $58,063,000 | 7.9% | 1 |
| Prosperity Bank | $47,886,000 | 6.5% | 1 |
| Origin Bank | $39,838,000 | 5.4% | 1 |
| Citizens Bank | $9,475,000 | 1.3% | 1 |
Deposit concentration is 4,723 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 66.6² + 12.3² + 7.9² + … (3 more) = 4,723
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 | $128,076,868 |
| Department of Veterans Affairs | $18,844,092 |
| Department of Agriculture | $3,891,533 |
| Department of Transportation | $3,606,468 |
| Department of Education | $2,287,499 |
| Railroad Retirement Board | $1,499,798 |
| Federal Communications Commission | $899,161 |
| Department of Health and Human Services | $27,604 |
| Small Business Administration | $0 |
| Department of Housing and Urban Development | -$54 |
That is $19,252 per covered job, against 8,266 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $159.1 m / 8,266 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,252
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 #
Panola County, TX: 8 findings, 8 noted
notePanola County, TX's average weekly wage was 9.0% 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
- +9 % = 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
notePanola County, TX's covered employment was 8.8% 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
- +8.8 % = 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
notePanola County, TX's typical home value fell 0.9% from $206,939 in July 2026 to $205,142 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.9% = (205141.5836735561 - 206938.66444338553) / 206938.66444338553 × 100
- 205141.5836735561 = Zillow ZHVI, 2026-08
- 206938.66444338553 = Zillow ZHVI, 2026-07
notePanola County, TX's covered employment of +8.8% ranks 74th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 98 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
notePanola County, TX's momentum index of 0.81 ranks 85th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 97 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
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.