Pecos County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.77, -102.72.
Assembled 2026-10-07. Read the brief.
- 19th pct · 2,468th of 3,063 US counties · median $234,566
- 25th pct · 181st of 243 Texas counties · median $215,660
- 16th pct · 2,551st of 3,063 US counties · median +2.9%
- 42nd pct · 140th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 39th pct · 1,955th of 3,221 US counties · median 8,232
- 46th pct · 136th of 254 Texas counties · median 6,022
- 87th pct · 412th of 3,221 US counties · median $1,039
- 79th pct · 54th of 254 Texas counties · median $1,115
- 7th pct · 2,848th of 3,063 US counties · median 4.3
- 18th pct · 199th 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 $159,860 (Aug 2026), -0.7% over one year, -20.4% over five
- 19th pct · 2,468th of 3,063 US counties · median $234,566
- 25th pct · 181st of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Pecos County, TX | $159,860 · -0.7% 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 $875 a month on $159,860 at 7.28%, against an average weekly wage worth $5,824 a month: 15.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $159,860 × 80% = $127,888, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $875/mo principal and interest
- wage share = payment / (avg weekly wage $1,344 × 52 / 12 = $5,824) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $159,860 / ($1,344 × 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 #
5,420 jobs at 439 employers (2026 Q1); +0.6% jobs and +1.7% average weekly wage over the year
- 39th pct · 1,955th of 3,221 US counties · median 8,232
- 46th pct · 136th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Pecos County, TX | 5,420 jobs · $1,344/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 730 | $681 | 1.38 | -5.7% |
| Transportation and warehousing | 382 | $3,483 | 1.67 | -4.0% |
| Construction | 353 | $1,389 | 1.24 | -6.6% |
| Mining, oil and gas | 254 | $3,121 | 13.16 | -31.5% |
| Professional and technical services | 254 | $2,041 | 0.68 | +76.4% |
| Health care and social assistance | 228 | $870 | 0.28 | -1.7% |
| Agriculture, forestry, fishing | 150 | $1,010 | 3.83 | -0.7% |
| Other services | 123 | $854 | 0.76 | +0.0% |
| Finance and insurance | 86 | $1,614 | 0.39 | -15.7% |
| Utilities | 82 | $2,529 | 3.83 | +0.0% |
| Wholesale trade | 55 | $1,560 | 0.26 | +25.0% |
| Real estate and rental | 46 | $930 | 0.55 | -38.7% |
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 #
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: 0, 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.
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 (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$337.6 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 4,530, highly concentrated. $71.3 m federal obligations in FY2026 (direct payments $56.4 m, grants $14.4 m), $13,148 per covered job
| Item | Value | Distance |
|---|---|---|
| The Pecos County State Bank | $179.6 m · 53.2% share · 2 offices | |
| First National Bank of Fort Stockton | $137.7 m · 40.8% share · 2 offices | |
| City Bank | $20.3 m · 6.0% share · 1 office | |
| Pecos, TX | $71.3 m FY2026 · $13,148/job | |
| MULTIPLE RECIPIENTS | $52.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Pecos County State Bank | $179,565,000 | 53.2% | 2 |
| First National Bank of Fort Stockton | $137,748,000 | 40.8% | 2 |
| City Bank | $20,294,000 | 6.0% | 1 |
Deposit concentration is 4,530 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 53.2² + 40.8² + 6.0² = 4,530
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 | $47,557,712 |
| Department of Transportation | $11,886,811 |
| Department of Veterans Affairs | $4,837,268 |
| Department of Agriculture | $3,653,247 |
| Department of Health and Human Services | $2,485,544 |
| Department of Housing and Urban Development | $588,360 |
| Railroad Retirement Board | $95,420 |
| Federal Communications Commission | $92,417 |
| Department of Education | $82,798 |
| Department of Justice | -$19,928 |
That is $13,148 per covered job, against 5,420 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $71.3 m / 5,420 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,148
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Pecos County, TX: 7 findings, 1 at a watch level and 6 noted
watchPecos County, TX's typical home value is -0.7% 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 = -0.6650911397212647 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
notePecos County, TX's average weekly wage was 1.7% 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
- +1.7 % = 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
notePecos County, TX's typical home value fell 0.7% from $160,962 in July 2026 to $159,860 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.7% = (159859.87321573947 - 160961.9356945014) / 160961.9356945014 × 100
- 159859.87321573947 = Zillow ZHVI, 2026-08
- 160961.9356945014 = Zillow ZHVI, 2026-07
notePecos County, TX's covered employment was 0.6% 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
- +0.6 % = 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
notePecos County, TX's years of wages of 2.3 ranks 2,848th of 3,063 US counties, against a median of 4.3.
Period 2026-08.Show the arithmetic
- 7 on the 0-to-100 scale across 3063 US counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
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.