Throckmorton County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.17, -99.21.
Assembled 2026-10-06. Read the brief.
- 16th pct · 2,561st of 3,063 US counties · median $234,566
- 23rd pct · 186th of 243 Texas counties · median $215,660
- 0th pct · 3,043rd of 3,063 US counties · median +2.9%
- 0th pct · 242nd of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 1st pct · 3,173rd of 3,221 US counties · median 8,232
- 3rd pct · 246th of 254 Texas counties · median 6,022
- 11th pct · 2,859th of 3,221 US counties · median $1,039
- 3rd pct · 245th of 254 Texas counties · median $1,115
- 30th pct · 2,130th of 3,063 US counties · median 4.3
- 45th pct · 133rd 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 $151,655 (Aug 2026), -14.0% over one year, n/a over five
- 16th pct · 2,561st of 3,063 US counties · median $234,566
- 23rd pct · 186th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Throckmorton County, TX | $151,655 · -14.0% 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 $830 a month on $151,655 at 7.28%, against an average weekly wage worth $3,670 a month: 22.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $151,655 × 80% = $121,324, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $830/mo principal and interest
- wage share = payment / (avg weekly wage $847 × 52 / 12 = $3,670) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $151,655 / ($847 × 52) = 3.4
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 #
380 jobs at 68 employers (2026 Q1); -5.5% jobs and +4.4% average weekly wage over the year
- 1st pct · 3,173rd of 3,221 US counties · median 8,232
- 3rd pct · 246th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Throckmorton County, TX | 380 jobs · $847/wk · -5.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 45 | $727 | 16.39 | +7.1% |
| Retail trade | 22 | $626 | 0.59 | +29.4% |
| Mining, oil and gas | 12 | $1,246 | 8.87 | -33.3% |
| Wholesale trade | 11 | $616 | 0.76 | -15.4% |
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | 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 #
Surface water layer not loaded
Sites found: 23, 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 |
|---|---|---|
| Millers Creek Reservoir | 57 % full · 27k ac-ft | 31 km |
| Lake Stamford | 62 % full · 52k ac-ft | 37 km |
| Hubbard Creek Reservoir | 36 % full · 313k ac-ft | 44 km |
| Lake Graham | 65 % full · 45k ac-ft | 55 km |
| Lake Kemp | 63 % full · 245k ac-ft | 66 km |
| Lake Kickapoo | 77 % full · 86k ac-ft | 68 km |
| Fort Phantom Hill Reservoir | 67 % full · 70k ac-ft | 78 km |
| Possum Kingdom Lake | 86 % full · 538k 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 #
moderate (0.41)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.31 / 0.65
Banks & federal dollars #
$308.4 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 7,833, highly concentrated. $11.2 m federal obligations in FY2026 (direct payments $9.3 m, contracts $1.7 m), $29,529 per covered job
| Item | Value | Distance |
|---|---|---|
| InterBank | $270.3 m · 87.6% share · 1 office | |
| First State Bank | $38.1 m · 12.4% share · 2 offices | |
| Throckmorton, TX | $11.2 m FY2026 · $29,529/job | |
| MULTIPLE RECIPIENTS | $8.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| InterBank | $270,265,000 | 87.6% | 1 |
| First State Bank | $38,120,000 | 12.4% | 2 |
Deposit concentration is 7,833 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 = 87.6² + 12.4² = 7,833
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 | $7,773,905 |
| Department of Homeland Security | $1,718,071 |
| Department of Veterans Affairs | $825,861 |
| Department of Agriculture | $560,916 |
| Department of Housing and Urban Development | $122,518 |
| Department of Transportation | $81,854 |
| Federal Communications Commission | $68,200 |
| Department of Education | $35,184 |
| Railroad Retirement Board | $34,401 |
That is $29,529 per covered job, against 380 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $11.2 m / 380 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,529
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 #
Throckmorton County, TX: 17 findings, 2 at an alert level, 3 at a watch level and 12 noted
alertThrockmorton County, TX's typical home value is -14.0% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -14.04393877105245 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
alertThrockmorton County, TX's covered employment is -5.5% 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 = -5.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchThrockmorton County, TX's typical home value is -14.0% 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 = -14.04393877105245 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchThrockmorton County, TX's covered employment is -5.5% 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 = -5.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchThrockmorton County, TX's momentum index is -0.49, 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 = -0.49019607843137253 <= -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
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.