San Saba County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.16, -98.82.
Assembled 2026-10-06. Read the brief.
- 42nd pct · 1,748th of 3,063 US counties · median $234,566
- 51st pct · 119th of 243 Texas counties · median $215,660
- 14th pct · 2,608th of 3,063 US counties · median +2.9%
- 39th pct · 148th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 12th pct · 2,832nd of 3,221 US counties · median 8,232
- 22nd pct · 197th of 254 Texas counties · median 6,022
- 29th pct · 2,256th of 3,221 US counties · median $1,039
- 19th pct · 205th of 254 Texas counties · median $1,115
- 51st pct · 1,472nd of 3,063 US counties · median 4.3
- 67th pct · 80th 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 $216,541 (Aug 2026), -1.0% over one year, -11.1% over five
- 42nd pct · 1,748th of 3,063 US counties · median $234,566
- 51st pct · 119th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| San Saba County, TX | $216,541 · -1.0% 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 $1,185 a month on $216,541 at 7.28%, against an average weekly wage worth $4,125 a month: 28.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $216,541 × 80% = $173,233, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,185/mo principal and interest
- wage share = payment / (avg weekly wage $952 × 52 / 12 = $4,125) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $216,541 / ($952 × 52) = 4.4
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 #
1,547 jobs at 199 employers (2026 Q1); -1.3% jobs and +6.2% average weekly wage over the year
- 12th pct · 2,832nd of 3,221 US counties · median 8,232
- 22nd pct · 197th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| San Saba County, TX | 1,547 jobs · $952/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 160 | $1,111 | 14.32 | +0.6% |
| Wholesale trade | 160 | $1,255 | 2.70 | -6.4% |
| Retail trade | 154 | $510 | 1.02 | -3.1% |
| Health care and social assistance | 83 | $930 | 0.36 | +0.0% |
| Mining, oil and gas | 60 | $1,166 | 10.89 | -15.5% |
| Other services | 58 | $861 | 1.25 | -17.1% |
| Finance and insurance | 33 | $1,253 | 0.52 | +6.5% |
| Professional and technical services | 26 | $1,224 | 0.24 | -21.2% |
| Administrative and waste services | 21 | $905 | 0.24 | +0.0% |
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld |
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 #
86 % of conservation capacity, weighted over 17 TWDB reservoirs
Sites found: 24, 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 |
|---|---|---|
| Brady Creek Reservoir | 84 % full · 29k ac-ft | 54 km |
| Lake Buchanan | 96 % full · 867k ac-ft | 59 km |
| LCRA Lk Buchanan nr Burnet, TX | 1,019 ft (USGS, no capacity on file) | 59 km |
| LCRA Inks Lk nr Kingsland, TX | 886.9 ft (USGS, no capacity on file) | 63 km |
| Inks Lake | 94 % full · 14k ac-ft | 63 km |
| Lake Brownwood | 88 % full · 131k ac-ft | 78 km |
| LCRA Lk LBJ nr Marble Falls, TX | 824.9 ft (USGS, no capacity on file) | 81 km |
| Lake L. B. Johnson | 98 % full · 113k ac-ft | 81 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 #
13 gauges · 0 flooding · 0 with quality panels · 3 stale
Sites found: 13, 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 |
|---|---|---|
| San Saba Rv at San Saba, TX | flow 72.3 ft³/s | 11 km |
| Colorado Rv nr San Saba, TX | flow 113.0 ft³/s | 25 km |
| Pecan Bayou nr Mullin, TX | flow 8.99 ft³/s | 41 km |
| San Saba Rv nr Brady, TX | flow 3.16 ft³/s · STALE | 46 km |
| Llano Rv at Llano, TX | flow 913.0 ft³/s | 47 km |
| Colorado Rv at Winchell, TX | flow 0.59 ft³/s · STALE | 48 km |
| Brady Ck at Brady, TX | flow 0.00 ft³/s | 49 km |
| Llano Rv nr Mason, TX | flow 517.0 ft³/s | 62 km |
| Beaver Ck nr Mason, TX | flow 7.52 ft³/s | 63 km |
| Lampasas Rv at US-281 nr Adamsville, TX | flow 0.00 ft³/s | 64 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 (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.14 / 0.65
Banks & federal dollars #
$201.4 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,338, highly concentrated. $46.5 m federal obligations in FY2026 (direct payments $37.0 m, grants $9.5 m), $30,071 per covered job
| Item | Value | Distance |
|---|---|---|
| The City National Bank of San Saba | $70.5 m · 35.0% share · 1 office | |
| Arrowhead Bank | $65.5 m · 32.5% share · 1 office | |
| The Commercial National Bank of Brady | $65.4 m · 32.5% share · 1 office | |
| San Saba, TX | $46.5 m FY2026 · $30,071/job | |
| MULTIPLE RECIPIENTS | $35.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The City National Bank of San Saba | $70,497,000 | 35.0% | 1 |
| Arrowhead Bank | $65,469,000 | 32.5% | 1 |
| The Commercial National Bank of Brady | $65,434,000 | 32.5% | 1 |
Deposit concentration is 3,338 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 = 35.0² + 32.5² + 32.5² = 3,338
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 | $32,054,270 |
| Department of Health and Human Services | $7,413,461 |
| Department of Veterans Affairs | $3,025,709 |
| Department of Transportation | $1,831,423 |
| Department of Agriculture | $1,422,863 |
| Railroad Retirement Board | $489,837 |
| Department of Housing and Urban Development | $201,942 |
| Small Business Administration | $39,675 |
| Department of Education | $30,676 |
| Federal Communications Commission | $9,773 |
That is $30,071 per covered job, against 1,547 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $46.5 m / 1,547 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,071
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 #
San Saba County, TX: 5 findings, 2 at a watch level and 3 noted
watchSan Saba County, TX's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSan Saba County, TX's typical home value is -1.0% 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 = -0.9646921633681718 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteSan Saba County, TX's average weekly wage was 6.2% 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
- +6.2 % = 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
noteSan Saba County, TX's covered employment was 1.3% 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
- -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
noteThe next Zillow ZHVI typical home value (monthly) covering San Saba 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
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.