Rockwall County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.90, -96.41.
Assembled 2026-10-06. Read the brief.
- 87th pct · 394th of 3,063 US counties · median $234,566
- 94th pct · 14th of 243 Texas counties · median $215,660
- 70th pct · 4th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $371,935
- 9th pct · 2,786th of 3,063 US counties · median +2.9%
- 24th pct · 183rd of 243 Texas counties · median +0.0%
- 40th pct · 7th of 11 counties in the Dallas-Fort Worth-Arlington metro · median -1.9%
- 78th pct · 300th of 1,399 US counties · median $1,496
- 94th pct · 7th of 106 Texas counties · median $1,483
- 100th pct · 1st of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,639
- 82nd pct · 566th of 3,221 US counties · median 8,232
- 85th pct · 38th of 254 Texas counties · median 6,022
- 30th pct · 8th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
- 67th pct · 1,036th of 3,221 US counties · median $1,039
- 54th pct · 116th of 254 Texas counties · median $1,115
- 10th pct · 10th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,215
- 88th pct · 364th of 3,063 US counties · median 4.3
- 94th pct · 15th of 243 Texas counties · median 3.6
- 90th pct · 2nd of 11 counties in the Dallas-Fort Worth-Arlington metro · median 5.6
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 $411,128 (Aug 2026), -2.4% over one year, +10.7% over five
- 87th pct · 394th of 3,063 US counties · median $234,566
- 94th pct · 14th of 243 Texas counties · median $215,660
- 70th pct · 4th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $371,935
| Item | Value | Distance |
|---|---|---|
| Rockwall County, TX | $411,128 · -2.4% 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 $1,897/mo (Aug 2026), +0.1% over one year; price-to-rent 18.1
- 78th pct · 300th of 1,399 US counties · median $1,496
- 94th pct · 7th of 106 Texas counties · median $1,483
- 100th pct · 1st of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,639
| Item | Value | Distance |
|---|---|---|
| Rockwall County, TX | $1,897/mo · +0.1% 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 $2,250 a month on $411,128 at 7.28%, against an average weekly wage worth $4,905 a month: 45.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $411,128 × 80% = $328,902, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,250/mo principal and interest
- wage share = payment / (avg weekly wage $1,132 × 52 / 12 = $4,905) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $411,128 / ($1,132 × 52) = 7.0
- price-to-rent = $411,128 / ($1,897 × 12) = 18.1
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 #
44,010 jobs at 3,446 employers (2026 Q1); +2.9% jobs and +1.3% average weekly wage over the year
- 82nd pct · 566th of 3,221 US counties · median 8,232
- 85th pct · 38th of 254 Texas counties · median 6,022
- 30th pct · 8th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
| Item | Value | Distance |
|---|---|---|
| Rockwall County, TX | 44,010 jobs · $1,132/wk · +2.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 7,025 | $769 | 1.64 | +10.5% |
| Health care and social assistance | 6,499 | $1,404 | 0.98 | +9.4% |
| Accommodation and food services | 6,452 | $470 | 1.63 | -2.5% |
| Construction | 3,722 | $1,527 | 1.61 | +5.2% |
| Manufacturing | 2,777 | $1,498 | 0.78 | +1.1% |
| Professional and technical services | 2,747 | $1,733 | 0.90 | -0.8% |
| Other services | 2,008 | $839 | 1.53 | +3.5% |
| Administrative and waste services | 1,969 | $1,038 | 0.79 | -17.0% |
| Wholesale trade | 1,362 | $1,762 | 0.81 | +1.6% |
| Finance and insurance | 1,031 | $2,069 | 0.57 | -3.5% |
| Arts, entertainment and recreation | 717 | $455 | 0.99 | +12.7% |
| Transportation and warehousing | 704 | $1,069 | 0.38 | -19.7% |
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 #
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 #
Surface water layer not loaded
Sites found: 42, 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 Ray Hubbard | 86 % full · 440k ac-ft | 14 km |
| Lavon Lake | 81 % full · 410k ac-ft | 16 km |
| New Terrell City Lake | 25 % full · 9k ac-ft | 29 km |
| Lake Tawakoni | 92 % full · 872k ac-ft | 47 km |
| Mountain Creek Lake | 100 % full · 23k ac-ft | 53 km |
| Lewisville Lake | 84 % full · 563k ac-ft | 55 km |
| Grapevine Lake | 94 % full · 163k ac-ft | 61 km |
| Joe Pool Lake | 93 % full · 150k ac-ft | 62 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 #
moderate (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.13 / 0.65
Banks & federal dollars #
$3.1 bn in deposits at 27 offices of 18 banks (SOD June 2026); HHI 1,308, moderately concentrated. $745.0 m federal obligations in FY2026 (direct payments $684.9 m, grants $31.9 m), $16,927 per covered job
| Item | Value | Distance |
|---|---|---|
| The American National Bank of Texas | $735.0 m · 23.9% share · 4 offices | |
| JPMorgan Chase Bank, National Association | $579.6 m · 18.8% share · 3 offices | |
| Bank of America, National Association | $355.7 m · 11.6% share · 2 offices | |
| Rockwall, TX | $745.0 m FY2026 · $16,927/job | |
| MULTIPLE RECIPIENTS | $684.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The American National Bank of Texas | $734,996,000 | 23.9% | 4 |
| JPMorgan Chase Bank, National Association | $579,616,000 | 18.8% | 3 |
| Bank of America, National Association | $355,748,000 | 11.6% | 2 |
| Inwood National Bank | $257,398,000 | 8.4% | 1 |
| SouthState Bank, National Association | $237,527,000 | 7.7% | 2 |
| Wells Fargo Bank, National Association | $190,863,000 | 6.2% | 1 |
| Alliance Bank | $162,974,000 | 5.3% | 2 |
| Glacier Bank | $151,726,000 | 4.9% | 2 |
| HomeBank Texas | $116,754,000 | 3.8% | 1 |
| Lakeside Bank | $62,199,000 | 2.0% | 1 |
Deposit concentration is 1,308 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 23.9² + 18.8² + 11.6² + … (15 more) = 1,308
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 | $512,819,539 |
| Department of Veterans Affairs | $169,770,977 |
| Department of Transportation | $31,366,381 |
| Department of Defense | $24,410,083 |
| Department of Agriculture | $3,767,926 |
| Railroad Retirement Board | $1,805,110 |
| Department of Housing and Urban Development | $899,740 |
| Department of State | $49,278 |
| Department of the Interior | $49,000 |
| General Services Administration | $21,650 |
| Federal Communications Commission | $7,446 |
| Department of Justice | $500 |
That is $16,927 per covered job, against 44,010 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $745.0 m / 44,010 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,927
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 #
Rockwall County, TX: 13 findings, 1 at a watch level and 12 noted
watchRockwall County, TX's typical home value is -2.4% 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 = -2.373815687783353 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteRockwall County, TX's covered employment was 2.9% 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
- +2.9 % = 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
noteRockwall County, TX's average weekly wage was 1.3% 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
- +1.3 % = 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
noteRockwall County, TX's typical asking rent rose 0.3% from $1,892 in July 2026 to $1,897 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.3% = (1896.7464990319338 - 1891.9214541771914) / 1891.9214541771914 × 100
- 1896.7464990319338 = Zillow ZORI, 2026-08
- 1891.9214541771914 = Zillow ZORI, 2026-07
noteRockwall County, TX's typical asking rent of $1,897 ranks 1st of 11 counties in the Dallas-Fort Worth-Arlington metro, against a median of $1,639.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 11 counties in the Dallas-Fort Worth-Arlington metro that published rent.latest
position among the entities that published this metric this period; not an official level
Read all 12 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.