Randall County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.96, -101.90.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,232nd of 3,063 US counties · median $234,566
- 70th pct · 73rd of 243 Texas counties · median $215,660
- counties in the Amarillo metro: only 4 of counties in the Amarillo metro published this metric; fewer than 5 is too few to rank
- 59th pct · 1,247th of 3,063 US counties · median +2.9%
- 77th pct · 55th of 243 Texas counties · median +0.0%
- counties in the Amarillo metro: only 4 of counties in the Amarillo metro published this metric; fewer than 5 is too few to rank
- 47th pct · 734th of 1,399 US counties · median $1,496
- 48th pct · 55th of 106 Texas counties · median $1,483
- counties in the Amarillo metro: only 2 of counties in the Amarillo metro published this metric; fewer than 5 is too few to rank
- 80th pct · 632nd of 3,221 US counties · median 8,232
- 83rd pct · 42nd of 254 Texas counties · median 6,022
- 75th pct · 2nd of 5 counties in the Amarillo metro · median 6,838
- 76th pct · 749th of 3,221 US counties · median $1,039
- 64th pct · 92nd of 254 Texas counties · median $1,115
- 25th pct · 4th of 5 counties in the Amarillo metro · median $1,212
- 48th pct · 1,590th of 3,063 US counties · median 4.3
- 63rd pct · 89th of 243 Texas counties · median 3.6
- counties in the Amarillo metro: only 4 of counties in the Amarillo metro published this metric; fewer than 5 is too few to rank
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 $262,940 (Aug 2026), +3.8% over one year, +22.9% over five
- 59th pct · 1,232nd of 3,063 US counties · median $234,566
- 70th pct · 73rd of 243 Texas counties · median $215,660
- counties in the Amarillo metro: only 4 of counties in the Amarillo metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Randall County, TX | $262,940 · +3.8% 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 #
Typical rent $1,474/mo (Aug 2026), +6.8% over one year; price-to-rent 14.9
- 47th pct · 734th of 1,399 US counties · median $1,496
- 48th pct · 55th of 106 Texas counties · median $1,483
- counties in the Amarillo metro: only 2 of counties in the Amarillo metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Randall County, TX | $1,474/mo · +6.8% 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 $1,439 a month on $262,940 at 7.28%, against an average weekly wage worth $5,217 a month: 27.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $262,940 × 80% = $210,352, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,439/mo principal and interest
- wage share = payment / (avg weekly wage $1,204 × 52 / 12 = $5,217) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $262,940 / ($1,204 × 52) = 4.2
- price-to-rent = $262,940 / ($1,474 × 12) = 14.9
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 #
37,264 jobs at 2,753 employers (2026 Q1); +0.6% jobs and +9.2% average weekly wage over the year
- 80th pct · 632nd of 3,221 US counties · median 8,232
- 83rd pct · 42nd of 254 Texas counties · median 6,022
- 75th pct · 2nd of 5 counties in the Amarillo metro · median 6,838
| Item | Value | Distance |
|---|---|---|
| Randall County, TX | 37,264 jobs · $1,204/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 6,630 | $764 | 1.83 | -0.4% |
| Accommodation and food services | 5,221 | $417 | 1.56 | +1.2% |
| Health care and social assistance | 3,611 | $1,047 | 0.64 | -2.7% |
| Construction | 3,107 | $1,560 | 1.59 | +2.3% |
| Wholesale trade | 2,063 | $1,251 | 1.45 | +5.3% |
| Other services | 1,388 | $862 | 1.25 | -3.1% |
| Professional and technical services | 1,258 | $1,389 | 0.49 | +8.1% |
| Transportation and warehousing | 1,252 | $1,487 | 0.80 | -3.1% |
| Finance and insurance | 1,213 | $1,874 | 0.80 | +4.8% |
| Real estate and rental | 549 | $919 | 0.96 | +4.6% |
| Arts, entertainment and recreation | 510 | $369 | 0.83 | -6.2% |
| Agriculture, forestry, fishing | 418 | $1,062 | 1.55 | +0.2% |
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 #
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 |
|---|---|---|
| Mackenzie Reservoir | 11 % full · 46k ac-ft | 62 km |
| Lake Meredith | 44 % full · 500k ac-ft | 89 km |
| Greenbelt Lake | 5 % full · 60k ac-ft | 91 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 #
high (0.69)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.62 / 0.65
Banks & federal dollars #
$3.6 bn in deposits at 31 offices of 14 banks (SOD June 2026); HHI 2,459, highly concentrated. $918.9 m federal obligations in FY2026 (direct payments $767.3 m, contracts $86.9 m), $24,659 per covered job
| Item | Value | Distance |
|---|---|---|
| Amarillo National Bank | $1.5 bn · 42.9% share · 5 offices | |
| Centennial Bank | $580.6 m · 16.3% share · 6 offices | |
| First United Bank | $560.6 m · 15.7% share · 3 offices | |
| Randall, TX | $918.9 m FY2026 · $24,659/job | |
| MULTIPLE RECIPIENTS | $736.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Amarillo National Bank | $1,530,849,000 | 42.9% | 5 |
| Centennial Bank | $580,635,000 | 16.3% | 6 |
| First United Bank | $560,643,000 | 15.7% | 3 |
| Wells Fargo Bank, National Association | $255,159,000 | 7.2% | 3 |
| Bank of America, National Association | $162,999,000 | 4.6% | 1 |
| Western Bank | $136,042,000 | 3.8% | 1 |
| FirstBank Southwest | $89,724,000 | 2.5% | 4 |
| Citizens Bank | $85,365,000 | 2.4% | 1 |
| Prosperity Bank | $84,299,000 | 2.4% | 2 |
| Interstate Bank | $31,061,000 | 0.9% | 1 |
Deposit concentration is 2,459 across 14 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 42.9² + 16.3² + 15.7² + … (11 more) = 2,459
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 | $608,919,423 |
| Department of Veterans Affairs | $125,387,602 |
| Department of Agriculture | $99,396,654 |
| Department of Transportation | $61,283,678 |
| Department of Education | $20,243,444 |
| Railroad Retirement Board | $2,088,154 |
| Department of Housing and Urban Development | $782,772 |
| Department of Homeland Security | $541,087 |
| Department of Health and Human Services | $118,966 |
| Department of Defense | $53,089 |
| Department of the Interior | $51,999 |
| General Services Administration | $34,450 |
That is $24,659 per covered job, against 37,264 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $918.9 m / 37,264 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,659
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 #
Randall County, TX: 6 findings, 6 noted
noteRandall County, TX's average weekly wage was 9.2% 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
- +9.2 % = 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
noteRandall 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
noteRandall County, TX's typical home value rose 0.5% from $261,534 in July 2026 to $262,940 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (262939.6952349975 - 261534.3054574799) / 261534.3054574799 × 100
- 262939.6952349975 = Zillow ZHVI, 2026-08
- 261534.3054574799 = Zillow ZHVI, 2026-07
noteRandall County, TX's typical asking rent rose 0.4% from $1,469 in July 2026 to $1,474 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.4% = (1474.3209131545339 - 1469.164106025449) / 1469.164106025449 × 100
- 1474.3209131545339 = Zillow ZORI, 2026-08
- 1469.164106025449 = Zillow ZORI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Randall County, TX is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.