Shelby County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.79, -94.14.
Assembled 2026-10-06. Read the brief.
- 52nd pct · 1,459th of 3,063 US counties · median $234,566
- 62nd pct · 92nd of 243 Texas counties · median $215,660
- 4th pct · 2,916th of 3,063 US counties · median +2.9%
- 10th pct · 217th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 51st pct · 1,552nd of 3,221 US counties · median 8,232
- 60th pct · 100th of 254 Texas counties · median 6,022
- 47th pct · 1,676th of 3,221 US counties · median $1,039
- 33rd pct · 170th of 254 Texas counties · median $1,115
- 54th pct · 1,390th of 3,063 US counties · median 4.3
- 71st pct · 71st 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 $241,317 (Aug 2026), -4.5% over one year, -12.6% over five
- 52nd pct · 1,459th of 3,063 US counties · median $234,566
- 62nd pct · 92nd of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Shelby County, TX | $241,317 · -4.5% 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 $1,321 a month on $241,317 at 7.28%, against an average weekly wage worth $4,463 a month: 29.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $241,317 × 80% = $193,053, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,321/mo principal and interest
- wage share = payment / (avg weekly wage $1,030 × 52 / 12 = $4,463) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $241,317 / ($1,030 × 52) = 4.5
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 #
8,726 jobs at 605 employers (2026 Q1); 0.0% jobs and +4.1% average weekly wage over the year
- 51st pct · 1,552nd of 3,221 US counties · median 8,232
- 60th pct · 100th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Shelby County, TX | 8,726 jobs · $1,030/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,849 | $1,068 | 2.63 | -5.4% |
| Retail trade | 947 | $634 | 1.11 | +1.9% |
| Mining, oil and gas | 828 | $1,638 | 26.65 | +10.3% |
| Accommodation and food services | 561 | $442 | 0.72 | +15.0% |
| Finance and insurance | 520 | $1,358 | 1.46 | -3.0% |
| Construction | 457 | $1,227 | 1.00 | +19.0% |
| Agriculture, forestry, fishing | 407 | $980 | 6.46 | -8.9% |
| Transportation and warehousing | 388 | $1,510 | 1.05 | +4.9% |
| Wholesale trade | 284 | $1,125 | 0.85 | -9.6% |
| Other services | 191 | $965 | 0.73 | -1.0% |
| Professional and technical services | 108 | $799 | 0.18 | +3.8% |
| Real estate and rental | 76 | $736 | 0.57 | -8.4% |
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 #
76 % of conservation capacity, weighted over 14 TWDB reservoirs
Sites found: 16, 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 |
|---|---|---|
| Murvaul Lake | 89 % full · 38k ac-ft | 38 km |
| Martin Lake | 79 % full · 76k ac-ft | 66 km |
| Lk Nacogdoches nr Nacogdoches, TX | 33,740 Acre-ft (USGS, no capacity on file) | 68 km |
| Lake Nacogdoches | 85 % full · 40k ac-ft | 68 km |
| Lake Striker | 81 % full · 17k ac-ft | 80 km |
| Sam Rayburn Reservoir | 64 % full · 2,857k ac-ft | 81 km |
| Lake Cherokee | 80 % full · 40k ac-ft | 81 km |
| Toledo Bend Reservoir | 86 % full · 2,236k ac-ft | 85 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 #
20 gauges · 0 flooding · 0 with quality panels · 1 stale
Sites found: 20, 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 |
|---|---|---|
| Tenaha Ck nr Shelbyville, TX | flow 2.24 ft³/s | 6 km |
| Flat Fork Ck at SH 7 nr Center, TX | flow 0.00 ft³/s | 11 km |
| Sabine Rv at Logansport, LA | flow 130.0 ft³/s | 24 km |
| Bayou Grand Cane near Stanley, LA | flow 0.00 ft³/s | 27 km |
| Attoyac Bayou nr Chireno, TX | flow 1,000 ft³/s | 35 km |
| Ayish Bayou nr San Augustine, TX | flow 104.0 ft³/s | 44 km |
| Bayou San Patricio near Benson, LA | flow 67.2 ft³/s | 47 km |
| Sabine Rv nr Carthage, TX | flow 7,250 ft³/s | 49 km |
| Palo Gaucho Bayou at FM 2784 nr Milam, TX | flow 2.45 ft³/s | 50 km |
| Bayou Lanana at Nacogdoches, TX | flow 1.45 ft³/s | 51 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 (0.38)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.24 / 0.65
Banks & federal dollars #
$651.1 m in deposits at 15 offices of 8 banks (SOD June 2026); HHI 2,915, highly concentrated. $143.9 m federal obligations in FY2026 (direct payments $130.9 m, grants $13.0 m), $16,492 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers State Bank | $277.0 m · 42.5% share · 5 offices | |
| Shelby Savings Bank, SSB | $199.5 m · 30.6% share · 2 offices | |
| BOM Bank | $62.0 m · 9.5% share · 3 offices | |
| Shelby, TX | $143.9 m FY2026 · $16,492/job | |
| MULTIPLE RECIPIENTS | $129.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers State Bank | $276,975,000 | 42.5% | 5 |
| Shelby Savings Bank, SSB | $199,491,000 | 30.6% | 2 |
| BOM Bank | $61,994,000 | 9.5% | 3 |
| Austin Bank, Texas National Association | $38,836,000 | 6.0% | 1 |
| Sabine State Bank and Trust Company | $31,235,000 | 4.8% | 1 |
| The First National Bank of Hughes Springs | $21,852,000 | 3.4% | 1 |
| Citizens Bank | $12,980,000 | 2.0% | 1 |
| Woodforest National Bank | $7,709,000 | 1.2% | 1 |
Deposit concentration is 2,915 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 42.5² + 30.6² + 9.5² + … (5 more) = 2,915
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 | $113,481,642 |
| Department of Veterans Affairs | $14,297,387 |
| Department of Health and Human Services | $7,491,623 |
| Department of Transportation | $3,603,089 |
| Department of Housing and Urban Development | $1,585,768 |
| Railroad Retirement Board | $1,460,027 |
| Department of the Interior | $999,750 |
| Department of Agriculture | $525,917 |
| Department of Justice | $375,000 |
| Federal Communications Commission | $50,808 |
| Department of Education | $35,977 |
| Small Business Administration | $0 |
That is $16,492 per covered job, against 8,726 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $143.9 m / 8,726 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,492
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 #
Shelby County, TX: 5 findings, 1 at a watch level and 4 noted
watchShelby County, TX's typical home value is -4.5% 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 = -4.533310530199222 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteShelby County, TX's average weekly wage was 4.1% 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
- +4.1 % = 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
noteShelby County, TX's typical home value rose 0.3% from $240,665 in July 2026 to $241,317 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (241316.63167992796 - 240664.80519343683) / 240664.80519343683 × 100
- 241316.63167992796 = Zillow ZHVI, 2026-08
- 240664.80519343683 = Zillow ZHVI, 2026-07
noteShelby County, TX's typical home value of -4.5% ranks 2,916th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 5 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
noteThe next Zillow ZHVI typical home value (monthly) covering Shelby 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.