Rains County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.87, -95.80.
Assembled 2026-10-06. Read the brief.
- 69th pct · 933rd of 3,063 US counties · median $234,566
- 79th pct · 50th of 243 Texas counties · median $215,660
- 44th pct · 1,702nd of 3,063 US counties · median +2.9%
- 73rd pct · 65th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 18th pct · 2,641st of 3,221 US counties · median 8,232
- 27th pct · 184th of 254 Texas counties · median 6,022
- 12th pct · 2,807th of 3,221 US counties · median $1,039
- 4th pct · 241st of 254 Texas counties · median $1,115
- 86th pct · 427th of 3,063 US counties · median 4.3
- 93rd pct · 17th 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 $300,088 (Aug 2026), +2.5% over one year, +16.1% over five
- 69th pct · 933rd of 3,063 US counties · median $234,566
- 79th pct · 50th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Rains County, TX | $300,088 · +2.5% 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 $1,643 a month on $300,088 at 7.28%, against an average weekly wage worth $3,722 a month: 44.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $300,088 × 80% = $240,071, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,643/mo principal and interest
- wage share = payment / (avg weekly wage $859 × 52 / 12 = $3,722) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $300,088 / ($859 × 52) = 6.7
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 #
2,209 jobs at 261 employers (2026 Q1); -4.6% jobs and +8.5% average weekly wage over the year
- 18th pct · 2,641st of 3,221 US counties · median 8,232
- 27th pct · 184th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Rains County, TX | 2,209 jobs · $859/wk · -4.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 390 | $698 | 1.81 | +2.9% |
| Construction | 262 | $1,200 | 2.26 | +10.5% |
| Health care and social assistance | 162 | $694 | 0.49 | -5.8% |
| Manufacturing | 117 | $875 | 0.66 | +20.6% |
| Wholesale trade | 83 | $995 | 0.98 | +0.0% |
| Administrative and waste services | 82 | $1,181 | 0.65 | -16.3% |
| Professional and technical services | 77 | $1,064 | 0.51 | -54.4% |
| Finance and insurance | 57 | $1,916 | 0.63 | -3.4% |
| Other services | 49 | $1,181 | 0.74 | -7.5% |
| Agriculture, forestry, fishing | 48 | $635 | 3.01 | +6.7% |
| Real estate and rental | 11 | $816 | 0.32 | +0.0% |
| Information | 4 | $1,104 | 0.10 | -20.0% |
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 #
88 % of conservation capacity, weighted over 35 TWDB reservoirs
Sites found: 40, 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 Tawakoni | 92 % full · 872k ac-ft | 13 km |
| Lk Tawakoni nr Wills Point, TX | 799,800 Acre-ft (USGS, no capacity on file) | 13 km |
| Lake Fk Res nr Quitman, TX | 560,100 Acre-ft (USGS, no capacity on file) | 26 km |
| Lake Fork Reservoir | 82 % full · 606k ac-ft | 26 km |
| Lake Sulphur Springs | 86 % full · 18k ac-ft | 36 km |
| New Terrell City Lake | 25 % full · 9k ac-ft | 39 km |
| Cooper (Chapman) Lake | 69 % full · 259k ac-ft | 54 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 63 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 #
32 gauges · 0 flooding · 0 with quality panels · 3 stale
Sites found: 32, 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 Wills Point, TX | flow 4.68 ft³/s | 14 km |
| Mill Ck at CR 1903 nr Fruitvale, TX | flow 16.5 ft³/s | 16 km |
| Sabine Rv at FM 17 nr Golden, TX | flow 29.8 ft³/s | 22 km |
| Grand Saline Ck at FM 857 nr Grand Saline, TX | flow 0.00 ft³/s | 25 km |
| Lake Fk Ck nr Quitman, TX | flow 75.0 ft³/s · no flooding | 33 km |
| North Texas Lakes at New Terrell City Lake | no readings | 39 km |
| Cowleech Fk Sabine Rv at Greenville, TX | flow 0.00 ft³/s · no flooding | 39 km |
| S Sulphur Rv at SH 11 nr Commerce, TX | flow 15.6 ft³/s | 39 km |
| S Sulphur Rv at Commerce, TX | flow 0.09 ft³/s · STALE | 40 km |
| Sabine Rv nr Mineola, TX | flow 22.5 ft³/s · no flooding | 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.12 / 0.65
Banks & federal dollars #
$275.6 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 3,061, highly concentrated. $100.2 m federal obligations in FY2026 (direct payments $99.5 m, grants $672,972), $45,375 per covered job
| Item | Value | Distance |
|---|---|---|
| Commercial Bank of Texas, National Association | $118.1 m · 42.8% share · 2 offices | |
| Austin Bank, Texas National Association | $78.7 m · 28.6% share · 1 office | |
| The City National Bank of Sulphur Springs | $41.8 m · 15.2% share · 1 office | |
| Rains, TX | $100.2 m FY2026 · $45,375/job | |
| MULTIPLE RECIPIENTS | $99.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Commercial Bank of Texas, National Association | $118,051,000 | 42.8% | 2 |
| Austin Bank, Texas National Association | $78,744,000 | 28.6% | 1 |
| The City National Bank of Sulphur Springs | $41,795,000 | 15.2% | 1 |
| The First National Bank of East Texas | $37,043,000 | 13.4% | 2 |
Deposit concentration is 3,061 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 = 42.8² + 28.6² + 15.2² + … (1 more) = 3,061
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 | $82,769,701 |
| Department of Veterans Affairs | $15,803,974 |
| Department of Transportation | $627,249 |
| Railroad Retirement Board | $544,354 |
| Department of Agriculture | $324,936 |
| Department of Housing and Urban Development | $104,021 |
| Federal Communications Commission | $60,214 |
| Small Business Administration | $0 |
That is $45,375 per covered job, against 2,209 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $100.2 m / 2,209 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $45,375
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 #
Rains County, TX: 9 findings, 1 at an alert level, 1 at a watch level and 7 noted
alertRains County, TX's covered employment is -4.6% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4.6 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchRains County, TX's covered employment is -4.6% 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 = -4.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteRains County, TX's average weekly wage was 8.5% 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
- +8.5 % = 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
noteRains County, TX's covered employment was 4.6% 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
- -4.6 % = 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
noteRains County, TX's average weekly wage of $859 ranks 241st of 254 Texas counties, against a median of $1,115.
Period 2026 Q1.Show the arithmetic
- 5 on the 0-to-100 scale across 254 Texas counties that published jobs.avgWeeklyWage
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.