Titus County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.21, -94.97.
Assembled 2026-10-06. Read the brief.
- 48th pct · 1,589th of 3,063 US counties · median $234,566
- 57th pct · 104th of 243 Texas counties · median $215,660
- 8th pct · 2,788th of 3,063 US counties · median +2.9%
- 23rd pct · 185th of 243 Texas counties · median +0.0%
- 63rd pct · 512th of 1,399 US counties · median $1,496
- 82nd pct · 19th of 106 Texas counties · median $1,483
- 69th pct · 993rd of 3,221 US counties · median 8,232
- 75th pct · 63rd of 254 Texas counties · median 6,022
- 56th pct · 1,389th of 3,221 US counties · median $1,039
- 43rd pct · 144th of 254 Texas counties · median $1,115
- 46th pct · 1,631st of 3,063 US counties · median 4.3
- 61st pct · 95th 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 $229,643 (Aug 2026), -2.4% over one year, +10.6% over five
- 48th pct · 1,589th of 3,063 US counties · median $234,566
- 57th pct · 104th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Titus County, TX | $229,643 · -2.4% 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 #
Typical rent $1,660/mo (Aug 2026), n/a over one year; price-to-rent 11.5
- 63rd pct · 512th of 1,399 US counties · median $1,496
- 82nd pct · 19th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Titus County, TX | $1,660/mo · n/a 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 #
Principal and interest of $1,257 a month on $229,643 at 7.28%, against an average weekly wage worth $4,641 a month: 27.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $229,643 × 80% = $183,714, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,257/mo principal and interest
- wage share = payment / (avg weekly wage $1,071 × 52 / 12 = $4,641) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $229,643 / ($1,071 × 52) = 4.1
- price-to-rent = $229,643 / ($1,660 × 12) = 11.5
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 #
18,193 jobs at 828 employers (2026 Q1); +2.3% jobs and +4.2% average weekly wage over the year
- 69th pct · 993rd of 3,221 US counties · median 8,232
- 75th pct · 63rd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Titus County, TX | 18,193 jobs · $1,071/wk · +2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,379 | $1,243 | 5.04 | +7.2% |
| Retail trade | 2,005 | $685 | 1.13 | +3.5% |
| Health care and social assistance | 1,491 | $872 | 0.54 | +6.1% |
| Construction | 611 | $1,369 | 0.64 | +9.5% |
| Finance and insurance | 387 | $1,271 | 0.52 | -11.4% |
| Wholesale trade | 312 | $1,260 | 0.45 | -28.8% |
| Administrative and waste services | 293 | $755 | 0.28 | -5.8% |
| Other services | 274 | $829 | 0.50 | +1.1% |
| Utilities | 174 | $2,770 | 2.42 | -2.2% |
| Agriculture, forestry, fishing | 106 | $955 | 0.81 | +16.5% |
| Transportation and warehousing | 93 | $988 | 0.12 | +1.1% |
| Real estate and rental | 85 | $928 | 0.30 | -49.1% |
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 #
86 % of conservation capacity, weighted over 25 TWDB reservoirs
Sites found: 28, 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 |
|---|---|---|
| Lake Bob Sandlin | 89 % full · 192k ac-ft | 15 km |
| Monticello Reservoir | 73 % full · 35k ac-ft | 17 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 24 km |
| Cooper (Chapman) Lake | 69 % full · 259k ac-ft | 63 km |
| Lake Sulphur Springs | 86 % full · 18k ac-ft | 63 km |
| Lake O the Pines | 93 % full · 241k ac-ft | 67 km |
| Lake Fork Reservoir | 82 % full · 606k ac-ft | 69 km |
| Lake Fk Res nr Quitman, TX | 560,100 Acre-ft (USGS, no capacity on file) | 69 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 #
18 gauges · 0 flooding · 1 with quality panels averaging 75 % · 2 stale
Sites found: 18, 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 |
|---|---|---|
| Big Cypress Ck at US Hwy 271 nr Pittsburg, TX | flow 7.87 ft³/s | 16 km |
| White Oak Ck at IH 30 nr Omaha, TX | flow 7.86 ft³/s | 17 km |
| White Oak Ck nr Talco, TX | flow 20.2 ft³/s · no flooding | 17 km |
| Big Cypress Ck nr Pittsburg, TX | flow 16.8 ft³/s · no flooding | 23 km |
| Sulphur Rv nr Talco, TX | flow 10.6 ft³/s · no flooding | 25 km |
| Sulphur Rv at IH 30 nr Dalby Springs, TX | flow 1.36 ft³/s | 27 km |
| Cuthand Ck at FM 910 nr Cuthand, TX | flow 0.00 ft³/s | 33 km |
| Brushy Ck at Scroggins, TX | flow 0.29 ft³/s · STALE | 33 km |
| Anderson Ck at Hwy 98 nr Simms, TX | flow 416.0 ft³/s · STALE | 47 km |
| Red River near De Kalb, TX | flow 2,510 ft³/s · quality 75 % (2) · no flooding | 58 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 (0.42)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.14 + 0.2×0.25 / 0.85
Banks & federal dollars #
$970.2 m in deposits at 11 offices of 7 banks (SOD June 2026); HHI 3,112, highly concentrated. $175.4 m federal obligations in FY2026 (direct payments $153.2 m, grants $14.8 m), $9,642 per covered job
| Item | Value | Distance |
|---|---|---|
| Glacier Bank | $473.6 m · 48.8% share · 3 offices | |
| Pilgrim Bank | $205.6 m · 21.2% share · 2 offices | |
| The American National Bank of Mount Pleasant | $130.3 m · 13.4% share · 1 office | |
| Titus, TX | $175.4 m FY2026 · $9,642/job | |
| MULTIPLE RECIPIENTS | $145.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Glacier Bank | $473,562,000 | 48.8% | 3 |
| Pilgrim Bank | $205,635,000 | 21.2% | 2 |
| The American National Bank of Mount Pleasant | $130,262,000 | 13.4% | 1 |
| VeraBank, National Association | $82,837,000 | 8.5% | 1 |
| First Federal Community Bank, SSB | $37,820,000 | 3.9% | 1 |
| Cypress Bank, SSB | $31,975,000 | 3.3% | 2 |
| Woodforest National Bank | $8,062,000 | 0.8% | 1 |
Deposit concentration is 3,112 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 48.8² + 21.2² + 13.4² + … (4 more) = 3,112
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 | $129,203,007 |
| Department of Veterans Affairs | $15,943,677 |
| Department of Transportation | $10,611,569 |
| Department of Agriculture | $7,685,416 |
| Department of Education | $6,927,131 |
| Department of Health and Human Services | $3,552,421 |
| Federal Communications Commission | $510,953 |
| Railroad Retirement Board | $436,692 |
| Department of Housing and Urban Development | $294,534 |
| Department of Defense | $250,358 |
| Small Business Administration | $0 |
That is $9,642 per covered job, against 18,193 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $175.4 m / 18,193 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $9,642
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 #
Titus County, TX: 9 findings, 1 at a watch level and 8 noted
watchTitus County, TX's typical home value is -2.4% 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 = -2.3971447743988383 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteTitus County, TX's average weekly wage was 4.2% 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
- +4.2 % = 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
noteTitus County, TX's covered employment was 2.3% 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
- +2.3 % = 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
noteTitus County, TX's typical asking rent rose 1.6% from $1,633 in July 2026 to $1,660 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.6% = (1660.1666666666667 - 1633.495180958798) / 1633.495180958798 × 100
- 1660.1666666666667 = Zillow ZORI, 2026-08
- 1633.495180958798 = Zillow ZORI, 2026-07
noteTitus County, TX's price-to-rent ratio of 11.5 ranks 1,325th of 1,399 US counties, against a median of 17.2.
Period 2026-08.Show the arithmetic
- 5 on the 0-to-100 scale across 1399 US counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
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.