Red River County, TX

Home values #

Typical home $183,087 (Aug 2026), +9.2% over one year, +1.0% over five

• 29th pct · 2,154th of 3,063 US counties · median $234,566
• 37th pct · 153rd of 243 Texas counties · median $215,660

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 $1,002 a month on $183,087 at 7.28%, against an average weekly wage worth $3,930 a month: 25.5% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $183,087 × 80% = $146,470, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,002/mo principal and interest
• wage share = payment / (avg weekly wage $907 × 52 / 12 = $3,930) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $183,087 / ($907 × 52) = 3.9

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 #

2,681 jobs at 234 employers (2026 Q1); -2.4% jobs and +7.5% average weekly wage over the year

• 21st pct · 2,515th of 3,221 US counties · median 8,232
• 31st pct · 174th of 254 Texas counties · median 6,022

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 #

88 % of conservation capacity, weighted over 18 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.

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 #

17 gauges · 0 flooding · 2 with quality panels averaging 88 % · 2 stale

Sites found: 17, 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 #

8 wells in 0 named aquifers:

Sites found: 8, 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 (0.38)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.12 + 0.2×0.13 / 0.85

Banks & federal dollars #

$231.4 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,414, highly concentrated. $96.7 m federal obligations in FY2026 (direct payments $90.0 m, grants $5.8 m), $36,077 per covered job

Deposit concentration is 2,414 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 5 banks with deposits in the county = 31.3² + 29.0² + 18.0² + … (2 more) = 2,414

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.

That is $36,077 per covered job, against 2,681 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $96.7 m / 2,681 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,077

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.

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 #

Red River County, TX: 7 findings, 1 at a watch level and 6 noted

1. watchRed River County, TX's covered employment is -2.4% 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 = -2.4 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. noteRed River County, TX's average weekly wage was 7.5% 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

   • +7.5 % = 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

3. noteRed River County, TX's covered employment was 2.4% 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

   • -2.4 % = 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

4. noteRed River County, TX's typical home value fell 0.7% from $184,386 in July 2026 to $183,087 in August 2026, on Zillow ZHVI.

   Period 2026-08.
   Show the arithmetic

   • -0.7% = (183087.40756135457 - 184386.47777529992) / 184386.47777529992 × 100
   • 183087.40756135457 = Zillow ZHVI, 2026-08
   • 184386.47777529992 = Zillow ZHVI, 2026-07

5. noteRed River County, TX's typical home value of +9.2% ranks 171st of 3,063 US counties, against a median of +2.9%.

   Period 2026-08.
   Show the arithmetic

   • 94 on the 0-to-100 scale across 3063 US counties that published home.yoyPct

   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.