Shackelford County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.74, -99.35.
Assembled 2026-10-06. Read the brief.
- 24th pct · 2,299th of 3,063 US counties · median $234,566
- 32nd pct · 165th of 243 Texas counties · median $215,660
- 23rd pct · 2,358th of 3,063 US counties · median +2.9%
- 53rd pct · 113th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 7th pct · 2,980th of 3,221 US counties · median 8,232
- 13th pct · 220th of 254 Texas counties · median 6,022
- 90th pct · 322nd of 3,221 US counties · median $1,039
- 82nd pct · 45th of 254 Texas counties · median $1,115
- 8th pct · 2,814th of 3,063 US counties · median 4.3
- 20th pct · 194th 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 $173,013 (Aug 2026), +0.3% over one year, -19.0% over five
- 24th pct · 2,299th of 3,063 US counties · median $234,566
- 32nd pct · 165th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Shackelford County, TX | $173,013 · +0.3% 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 $947 a month on $173,013 at 7.28%, against an average weekly wage worth $6,119 a month: 15.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $173,013 × 80% = $138,411, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $947/mo principal and interest
- wage share = payment / (avg weekly wage $1,412 × 52 / 12 = $6,119) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $173,013 / ($1,412 × 52) = 2.4
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 #
1,085 jobs at 136 employers (2026 Q1); -14.0% jobs and +0.9% average weekly wage over the year
- 7th pct · 2,980th of 3,221 US counties · median 8,232
- 13th pct · 220th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Shackelford County, TX | 1,085 jobs · $1,412/wk · -14.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 252 | $1,869 | 65.23 | -25.7% |
| Retail trade | 57 | $537 | 0.54 | -32.9% |
| Agriculture, forestry, fishing | 34 | $786 | 4.34 | -5.6% |
| Administrative and waste services | 27 | $2,110 | 0.44 | +3.8% |
| Wholesale trade | 26 | $1,207 | 0.63 | +62.5% |
| Professional and technical services | 18 | $1,424 | 0.24 | +12.5% |
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | 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 #
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: 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 |
|---|---|---|
| Fort Phantom Hill Reservoir | 67 % full · 70k ac-ft | 35 km |
| Hubbard Creek Reservoir | 36 % full · 313k ac-ft | 37 km |
| Lake Stamford | 62 % full · 52k ac-ft | 42 km |
| Lake Cisco | 43 % full · 29k ac-ft | 48 km |
| Millers Creek Reservoir | 57 % full · 27k ac-ft | 74 km |
| Leon Reservoir | 76 % full · 28k ac-ft | 76 km |
| Lake Abilene | 8 % full · 8k ac-ft | 76 km |
| Lake Coleman | 78 % full · 38k ac-ft | 80 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 (0.62)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.47 / 0.65
Banks & federal dollars #
$336.5 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 6,168, highly concentrated. $23.8 m federal obligations in FY2026 (direct payments $19.5 m, grants $4.3 m), $21,939 per covered job
| Item | Value | Distance |
|---|---|---|
| Clear Fork Bank, National Association | $249.6 m · 74.2% share · 1 office | |
| First Financial Bank | $86.9 m · 25.8% share · 2 offices | |
| Shackelford, TX | $23.8 m FY2026 · $21,939/job | |
| MULTIPLE RECIPIENTS | $18.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Clear Fork Bank, National Association | $249,593,000 | 74.2% | 1 |
| First Financial Bank | $86,937,000 | 25.8% | 2 |
Deposit concentration is 6,168 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 74.2² + 25.8² = 6,168
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 | $17,326,522 |
| Department of Health and Human Services | $3,728,619 |
| Department of Veterans Affairs | $1,295,474 |
| Department of Agriculture | $816,560 |
| Department of Transportation | $546,467 |
| Department of Education | $54,635 |
| Federal Communications Commission | $35,999 |
That is $21,939 per covered job, against 1,085 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $23.8 m / 1,085 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,939
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 #
Shackelford County, TX: 15 findings, 1 at an alert level, 3 at a watch level and 11 noted
alertShackelford County, TX's covered employment is -14.0% 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 = -14 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchShackelford County, TX's covered employment is -14.0% 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 = -14 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchShackelford County, TX's momentum index is -0.30, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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 2026-08.Show the arithmetic
- test: momentum = -0.29884172470753256 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
watchShackelford County, TX's typical home value of +0.3% scores 23 on the 0-to-100 scale across US counties but 54 across Texas counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |23 across US counties - 54 across Texas counties|
position among the entities that published this metric this period; not an official level
noteShackelford County, TX's covered employment was 14.0% 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
- -14 % = 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
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.