Tarrant County, TX

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.77, -97.29.

Assembled 2026-10-02. Read the brief.

Typical home value
$321,692
as of August 2026
  • 74th pct · 790th of 3,063 US counties · median $234,566
  • 84th pct · 38th of 243 Texas counties · median $215,660
Home value, one year
-1.0%
as of August 2026
  • 14th pct · 2,611th of 3,063 US counties · median +2.9%
  • 38th pct · 149th of 243 Texas counties · median +0.0%
Typical rent
$1,605
as of August 2026
  • 58th pct · 581st of 1,399 US counties · median $1,496
  • 75th pct · 27th of 106 Texas counties · median $1,483
Jobs
1,014,778
as of 2026 Q1-01
  • 99th pct · 13th of 3,221 US counties · median 8,232
  • 99th pct · 3rd of 254 Texas counties · median 6,022
Average weekly wage
$1,551
as of 2026 Q1-01
  • 93rd pct · 196th of 3,221 US counties · median $1,039
  • 87th pct · 32nd of 254 Texas counties · median $1,115
Years of wages per home
4.0
  • 43rd pct · 1,719th of 3,063 US counties · median 4.3
  • 59th pct · 100th 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $321,692 (Aug 2026), -1.0% over one year, +12.7% over five

  • 74th pct · 790th of 3,063 US counties · median $234,566
  • 84th pct · 38th of 243 Texas counties · median $215,660
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.
ItemValueDistance
Tarrant County, TX$321,692 · -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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $1,605/mo (Aug 2026), +0.9% over one year; price-to-rent 16.7

  • 58th pct · 581st of 1,399 US counties · median $1,496
  • 75th pct · 27th of 106 Texas counties · median $1,483
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
Tarrant County, TX$1,605/mo · +0.9% 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 #

currentretrieved 2026-10-02

Principal and interest of $1,761 a month on $321,692 at 7.28%, against an average weekly wage worth $6,721 a month: 26.2% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $321,692 × 80% = $257,354, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,761/mo principal and interest
  • wage share = payment / (avg weekly wage $1,551 × 52 / 12 = $6,721) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $321,692 / ($1,551 × 52) = 4.0
  • price-to-rent = $321,692 / ($1,605 × 12) = 16.7

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 #

currentas of 2026 Q1retrieved 2026-10-02

1.01 m jobs at 49,605 employers (2026 Q1); +0.5% jobs and +3.3% average weekly wage over the year

  • 99th pct · 13th of 3,221 US counties · median 8,232
  • 99th pct · 3rd of 254 Texas counties · median 6,022
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.
ItemValueDistance
Tarrant County, TX1.01 m jobs · $1,551/wk · +0.5% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Health care and social assistance123,983$1,5000.81+3.1%
Retail trade105,862$8561.07-0.3%
Accommodation and food services103,853$5431.14+0.9%
Manufacturing93,722$2,2361.15+1.2%
Transportation and warehousing86,025$1,8202.01-0.8%
Administrative and waste services66,880$1,1091.16+0.5%
Construction64,734$1,7141.22+0.5%
Professional and technical services54,278$2,2130.78+2.7%
Wholesale trade49,241$1,9721.27-1.2%
Finance and insurance48,236$3,1751.17-3.0%
Other services27,291$1,0300.90+0.0%
Arts, entertainment and recreation18,020$7511.08+0.7%

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 #

currentretrieved 2026-10-02

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 #

currentretrieved 2026-10-02

85 % of conservation capacity, weighted over 40 TWDB reservoirs

Sites found: 47, 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.

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.
SiteReadingDistance
Lake Arlington71 % full · 40k ac-ft11 km
Lk Arlington at Arlington, TX31,520 Acre-ft (USGS, no capacity on file)11 km
Lake Worth67 % full · 24k ac-ft12 km
Lk Worth abv Ft Worth, TX25,990 Acre-ft (USGS, no capacity on file)12 km
Eagle Mtn Res abv Ft Worth, TX133,400 Acre-ft (USGS, no capacity on file)20 km
Benbrook Lake71 % full · 86k ac-ft20 km
Eagle Mountain Reservoir71 % full · 185k ac-ft21 km
Joe Pool Lake90 % full · 150k ac-ft30 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 #

currentretrieved 2026-10-02

83 gauges · 0 flooding · 8 with quality panels averaging 82 % · 13 stale

Sites found: 83, 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.
SiteReadingDistance
W Fk Trinity Rv at Grand Prairie, TXflow 8,520 ft³/s · quality 70 % (5) · no flooding28 km
Trinity Rv bl Dallas, TXflow 10,200 ft³/s · quality 70 % (5)52 km
W Fk Trinity Rv at Ft Worth, TXflow 1,160 ft³/s · quality 80 % (5) · no flooding4 km
Marys Ck at Benbrook, TXflow 43.1 ft³/s · quality 80 % (5) · no flooding17 km
Trinity Rv at Dallas, TXflow 12,400 ft³/s · quality 80 % (5) · ACTION stage44 km
W Fk Trinity Rv at Beach St, Ft Worth, TXflow 1,450 ft³/s2 km
W Fk Trinity Rv at E Northside Dr, Ft Worth, TXstage 31.4 ft4 km
Big Fossil Ck at Haltom City, TXflow 500.0 ft³/s6 km
Clear Fk Trinity Rv at Ft Worth, TXflow 338.0 ft³/s · no flooding8 km
WFk TrinityRv at White Settlement Rd,Fort Worth,TXflow 177.0 ft³/s11 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 #

currentretrieved 2026-10-02

7 wells in 2 named aquifers: Alluvial aquifers, Edwards-Trinity aquifer system

Sites found: 7, 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.
SiteReadingDistance
Edwards-Trinity aquifer systemdepth 443.2 ft · 2005-09-0112 km
Edwards-Trinity aquifer systemdepth 845.5 ft · 2005-06-1912 km
Alluvial aquifersdepth 5.79 ft · 2005-03-2813 km
Alluvial aquifersdepth 11.1 ft · 2005-03-2813 km
Alluvial aquifersdepth 5.85 ft · 2005-03-2813 km
Edwards-Trinity aquifer systemdepth 1,101 ft · 2005-08-2337 km
Edwards-Trinity aquifer systemdepth 307.4 ft · 2005-09-3068 km

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 #

currentretrieved 2026-10-02

moderate (0.40)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.15 + 0.2×0.18 / 0.85

Banks & federal dollars #

currentretrieved 2026-10-02

$66.0 bn in deposits at 409 offices of 74 banks (SOD June 2026); HHI 1,230, moderately concentrated

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.
ItemValueDistance
JPMorgan Chase Bank, National Association$19.1 bn · 28.9% share · 53 offices
Frost Bank$7.2 bn · 10.8% share · 26 offices
Bank of America, National Association$7.1 bn · 10.8% share · 30 offices
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
JPMorgan Chase Bank, National Association$19,106,027,00028.9%53
Frost Bank$7,153,063,00010.8%26
Bank of America, National Association$7,113,575,00010.8%30
Wells Fargo Bank, National Association$6,622,547,00010.0%41
Texas Exchange Bank$2,643,383,0004.0%2
PNC Bank, National Association$1,747,754,0002.6%35
BOKF, National Association$1,339,190,0002.0%6
Southside Bank$1,223,693,0001.9%10
UMB Bank, National Association$1,195,528,0001.8%1
Pinnacle Bank$1,184,235,0001.8%12

Deposit concentration is 1,230 across 73 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.

HHI = Σ (share %)² over 73 banks with deposits in the county = 28.9² + 10.8² + 10.8² + … (70 more) = 1,230

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 #

unavailableretrieved 2026-10-02USAspending did not return a recipient, agency and NAICS breakdown for this county.

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.

Public companies #

currentretrieved 2026-10-02The company snapshot is a committed fixture, not a pull.

1 public company files with the SEC from a business address here (D.R. Horton, Inc.). These rows are a committed fixture, not a pull: the snapshot has never been refreshed, so every financial fact is null and the list is not a complete census of filers in this county. The county's jobs mix maps to 10 GICS sectors, led by Industrials.

Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
ItemValueDistance
D.R. Horton, Inc.DHI · NYSE · Consumer Discretionary · Arlington, TX 76011

This is a committed fixture, not a pull: 1 filers are named and their financial facts are empty until the snapshot is refreshed. An absent company is not evidence that none is headquartered here.

Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.

National context, not this county #

currentretrieved 2026-10-02

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.102026-08-01+0.0%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-02

Tarrant County, TX: 9 findings, 1 at a watch level and 8 noted

  1. watchTarrant 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 = -1.0011517349847783 < 0

    arithmetic on Zillow ZHVI, county and metro files; not an official level

  2. noteTarrant County, TX's average weekly wage was 3.3% 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
    • +3.3 % = 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

  3. noteTarrant County, TX's covered employment was 0.5% 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
    • +0.5 % = 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

  4. noteTarrant County, TX's covered employment of 1,014,778 ranks 13th of 3,221 US counties, against a median of 8,232.

    Period 2026 Q1.
    Show the arithmetic
    • 100 on the 0-to-100 scale across 3221 US counties that published jobs.emp

    position among the entities that published this metric this period; not an official level

  5. noteTarrant County, TX's covered employment of 1,014,778 ranks 3rd of 254 Texas counties, against a median of 6,022.

    Period 2026 Q1.
    Show the arithmetic
    • 99 on the 0-to-100 scale across 254 Texas counties that published jobs.emp

    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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $321,692 / ($1,605 × 12) = 16.7
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 48439, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · payment = P·r / (1 − (1+r)^−n), P = $321,692 × 80% = $257,354, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,761/mo principal and interest; wage share = payment / (avg weekly wage $1,551 × 52 / 12 = $6,721) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $321,692 / ($1,551 × 52) = 4.0; price-to-rent = $321,692 / ($1,605 × 12) = 16.7
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 48439, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = 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%); terms home value 1-yr change -1.0% / ±10% × 0.3, rent 1-yr change +0.9% / ±10% × 0.15, jobs over-the-year change +0.5% / ±3% × 0.3, avg weekly wage over-the-year change +3.3% / ±6% × 0.25
  • publishedU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    USDM_current · retrieved 2026-10-02
  • publishedWater Data for Texas reservoirsTexas Water Development Boardopen the source
    recent-conditions.json · period 2026-10-01 · retrieved 2026-10-02
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00062,00054 · period 2026-10-02T00:30:00.000Z · retrieved 2026-10-02
  • estimateWater Data for Texas reservoirsTexas Water Development Boardopen the source
    · retrieved 2026-10-02 · weighted percent full = Σ(capacity × percent full) / Σ capacity = 7,996,953 / 9,363,751 ac-ft = 85.4 %
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00010,00060,00065,00095,00300,00400,63680 · period 2026-10-02T00:30:00.000Z · retrieved 2026-10-02
  • publishedNational Water Prediction ServiceNOAA National Weather Serviceopen the source
    nwps/v1/gauges · period 2026-10-02T00:15:00Z · retrieved 2026-10-02
  • estimateUSGS Water Data APIU.S. Geological Surveyopen the source
    · retrieved 2026-10-02 · quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 8 sites = 82 %
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019 · period 2005-09-30T00:00:00.000Z · retrieved 2026-10-02
  • estimateU.S. Drought MonitorNational Drought Mitigation Center, USDA, NOAAopen the source
    · retrieved 2026-10-02 · supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.15 + 0.2×0.18 / 0.85 = 0.40; terms drought (D3 / 4), reservoirs (1 − 85 % / 100), quality (1 − 82 % / 100)
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054 · period 2026-10-02T00:40:00+00:00 · retrieved 2026-10-02
  • publishedUSGS Water Data APIU.S. Geological Surveyopen the source
    latest-daily 72019,62610,62611 · period 2026-10-01 · retrieved 2026-10-02
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:48439:2026 · period 2026-06-30 · retrieved 2026-10-02
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:48439:2026 · period 2026-06-30 · retrieved 2026-10-02 · HHI = Σ (share %)² over 73 banks with deposits in the county = 28.9² + 10.8² + 10.8² + … (70 more) = 1,230
  • publishedEDGAR company filings and XBRL APIsU.S. Securities and Exchange Commissionopen the source
    · retrieved 2026-10-02
  • publishedZCTA to county relationship file (2020)U.S. Census Bureauopen the source
    · retrieved 2026-10-02
  • publishedTIGERwebU.S. Census Bureauopen the source
    · retrieved 2026-10-02
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    qcew:48439:sectors · retrieved 2026-10-02 · NAICS sector -> GICS sector by the static table in lib/companies/sectors.ts; lq = sum(emp_i * lq_i) / sum(emp_i) over the NAICS sectors folded into the GICS sector, withheld cells excluded; ETFs are the convention list, not a recommendation
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · 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%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $321,692 / ($1,605 × 12) = 16.7.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 48439, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/48439.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $321,692 × 80% = $257,354, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,761/mo principal and interest; wage share = payment / (avg weekly wage $1,551 × 52 / 12 = $6,721) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $321,692 / ($1,551 × 52) = 4.0; price-to-rent = $321,692 / ($1,605 × 12) = 16.7.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 48439, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/48439.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = 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%); terms home value 1-yr change -1.0% / ±10% × 0.3, rent 1-yr change +0.9% / ±10% × 0.15, jobs over-the-year change +0.5% / ±3% × 0.3, avg weekly wage over-the-year change +3.3% / ±6% × 0.25.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. series USDM_current. https://droughtmonitor.unl.edu/CurrentMap.aspx. accessed 2026-10-02.
  • Texas Water Development Board. Water Data for Texas reservoirs. series recent-conditions.json. period 2026-10-01. https://www.waterdatafortexas.org/reservoirs/recent-conditions.json. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00062,00054. period 2026-10-02T00:30:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • Texas Water Development Board. Water Data for Texas reservoirs. https://www.waterdatafortexas.org/reservoirs. accessed 2026-10-02. estimate computed by Embedding Atlas: weighted percent full = Σ(capacity × percent full) / Σ capacity = 7,996,953 / 9,363,751 ac-ft = 85.4 %.
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00010,00060,00065,00095,00300,00400,63680. period 2026-10-02T00:30:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • NOAA National Weather Service. National Water Prediction Service. series nwps/v1/gauges. period 2026-10-02T00:15:00Z. https://api.water.noaa.gov/nwps/v1/gauges. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. https://api.waterdata.usgs.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: quality screen per site = 1 − points / (2 × n), ok 0, watch 1, poor 2 points over the n parameters it reports; mean over 8 sites = 82 %.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019. period 2005-09-30T00:00:00.000Z. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-02.
  • National Drought Mitigation Center, USDA, NOAA. U.S. Drought Monitor. https://droughtmonitor.unl.edu/. accessed 2026-10-02. estimate computed by Embedding Atlas: supply stress = Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.15 + 0.2×0.18 / 0.85 = 0.40; terms drought (D3 / 4), reservoirs (1 − 85 % / 100), quality (1 − 82 % / 100).
  • U.S. Geological Survey. USGS Water Data API. series latest-continuous 00060,00065,00010,00300,00095,00400,63680,00062,00054. period 2026-10-02T00:40:00+00:00. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-continuous/items. accessed 2026-10-02.
  • U.S. Geological Survey. USGS Water Data API. series latest-daily 72019,62610,62611. period 2026-10-01. https://api.waterdata.usgs.gov/ogcapi/v0/collections/latest-daily/items. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:48439:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A48439+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:48439:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-02. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 73 banks with deposits in the county = 28.9² + 10.8² + 10.8² + … (70 more) = 1,230.
  • U.S. Securities and Exchange Commission. EDGAR company filings and XBRL APIs. https://www.sec.gov/files/company_tickers_exchange.json. accessed 2026-10-02.
  • U.S. Census Bureau. ZCTA to county relationship file (2020). https://www.census.gov/geographies/reference-files/time-series/geo/relationship-files.html. accessed 2026-10-02.
  • U.S. Census Bureau. TIGERweb. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series qcew:48439:sectors. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: NAICS sector -> GICS sector by the static table in lib/companies/sectors.ts; lq = sum(emp_i * lq_i) / sum(emp_i) over the NAICS sectors folded into the GICS sector, withheld cells excluded; ETFs are the convention list, not a recommendation.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: 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%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • Water rows are everything within 75 km of this place's internal point (150 km for reservoirs), not everything inside its boundary: lib/water searches discs, and every row prints its own distance.
  • Server report: satellite turbidity is only computed in a browser, so that term is absent here.
  • Stress uses 3 of 4 terms (drought, reservoirs, quality); missing terms are left out, not assumed.
  • Groundwater has no trend term: one latest level cannot say whether an aquifer is being drawn down.
  • USAspending did not answer; no obligation figures.
  • USAspending did not answer for recipients, awarding agencies and NAICS.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 2 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • Positions are ZIP or city centroids of the registered business address, not building footprints.
  • Sector and ETF names are a stated convention (lib/companies/sectors.ts), not classification by MSCI/S&P and not advice.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T00:44:20.307Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.