Swisher County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.53, -101.74.
Assembled 2026-10-06. Read the brief.
- 3rd pct · 2,952nd of 3,063 US counties · median $234,566
- 7th pct · 225th of 243 Texas counties · median $215,660
- 58th pct · 1,285th of 3,063 US counties · median +2.9%
- 77th pct · 56th of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 14th pct · 2,769th of 3,221 US counties · median 8,232
- 23rd pct · 194th of 254 Texas counties · median 6,022
- 17th pct · 2,654th of 3,221 US counties · median $1,039
- 8th pct · 233rd of 254 Texas counties · median $1,115
- 7th pct · 2,839th of 3,063 US counties · median 4.3
- 18th pct · 198th 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 $106,395 (Aug 2026), +3.7% over one year, -3.9% over five
- 3rd pct · 2,952nd of 3,063 US counties · median $234,566
- 7th pct · 225th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Swisher County, TX | $106,395 · +3.7% 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 $582 a month on $106,395 at 7.28%, against an average weekly wage worth $3,861 a month: 15.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $106,395 × 80% = $85,116, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $582/mo principal and interest
- wage share = payment / (avg weekly wage $891 × 52 / 12 = $3,861) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $106,395 / ($891 × 52) = 2.3
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 #
1,764 jobs at 171 employers (2026 Q1); -2.0% jobs and +1.6% average weekly wage over the year
- 14th pct · 2,769th of 3,221 US counties · median 8,232
- 23rd pct · 194th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Swisher County, TX | 1,764 jobs · $891/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 154 | $1,018 | 2.07 | -2.5% |
| Retail trade | 127 | $677 | 0.74 | +4.1% |
| Manufacturing | 81 | $818 | 0.57 | +3.8% |
| Other services | 53 | $583 | 1.01 | +1.9% |
| Construction | 43 | $729 | 0.46 | -14.0% |
| Professional and technical services | 21 | $1,219 | 0.17 | +16.7% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Wholesale trade | withheld | |||
| Information | withheld | |||
| Finance and insurance | 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: 4, 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 |
|---|---|---|
| Mackenzie Reservoir | 11 % full · 46k ac-ft | 28 km |
| Greenbelt Lake | 5 % full · 60k ac-ft | 94 km |
| Lake Meredith | 44 % full · 500k ac-ft | 133 km |
| White River Reservoir | 21 % full · 32k ac-ft | 133 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 (0.70)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.63 / 0.65
Banks & federal dollars #
$216.6 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 2,772, highly concentrated. $52.0 m federal obligations in FY2026 (direct payments $49.2 m, grants $2.8 m), $29,464 per covered job
| Item | Value | Distance |
|---|---|---|
| Centennial Bank | $80.1 m · 37.0% share · 2 offices | |
| Kress National Bank | $57.5 m · 26.5% share · 1 office | |
| Citizens Bank | $48.4 m · 22.4% share · 1 office | |
| Swisher, TX | $52.0 m FY2026 · $29,464/job | |
| MULTIPLE RECIPIENTS | $33.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Centennial Bank | $80,126,000 | 37.0% | 2 |
| Kress National Bank | $57,475,000 | 26.5% | 1 |
| Citizens Bank | $48,421,000 | 22.4% | 1 |
| The First National Bank of Quitaque | $30,541,000 | 14.1% | 1 |
Deposit concentration is 2,772 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 37.0² + 26.5² + 22.4² + … (1 more) = 2,772
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 | $28,785,413 |
| Department of Agriculture | $15,798,463 |
| Department of Veterans Affairs | $4,240,549 |
| Department of Transportation | $2,644,767 |
| Department of Housing and Urban Development | $436,289 |
| Railroad Retirement Board | $216,805 |
| Department of Education | $56,619 |
| Environmental Protection Agency | $0 |
| Department of Health and Human Services | -$204,340 |
That is $29,464 per covered job, against 1,764 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $52.0 m / 1,764 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,464
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 #
Swisher County, TX: 9 findings, 1 at a watch level and 8 noted
watchSwisher County, TX's covered employment is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteSwisher County, TX's covered employment was 2.0% 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
- -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
noteSwisher County, TX's average weekly wage was 1.6% 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
- +1.6 % = 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
noteSwisher County, TX's typical home value rose 0.3% from $106,043 in July 2026 to $106,395 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (106394.60301239249 - 106043.22547602646) / 106043.22547602646 × 100
- 106394.60301239249 = Zillow ZHVI, 2026-08
- 106043.22547602646 = Zillow ZHVI, 2026-07
noteSwisher County, TX's typical home value of $106,395 ranks 2,952nd of 3,063 US counties, against a median of $234,566.
Period 2026-08.Show the arithmetic
- 4 on the 0-to-100 scale across 3063 US counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 9 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.