Tom Green County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.40, -100.46.
Assembled 2026-10-06. Read the brief.
- 48th pct · 1,581st of 3,063 US counties · median $234,566
- 57th pct · 103rd of 243 Texas counties · median $215,660
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
- 6th pct · 2,862nd of 3,063 US counties · median +2.9%
- 16th pct · 203rd of 243 Texas counties · median +0.0%
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
- 31st pct · 961st of 1,399 US counties · median $1,496
- 23rd pct · 81st of 106 Texas counties · median $1,483
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
- 84th pct · 515th of 3,221 US counties · median 8,232
- 86th pct · 36th of 254 Texas counties · median 6,022
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
- 70th pct · 946th of 3,221 US counties · median $1,039
- 56th pct · 110th of 254 Texas counties · median $1,115
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
- 40th pct · 1,832nd of 3,063 US counties · median 4.3
- 54th pct · 110th of 243 Texas counties · median 3.6
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
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 $230,038 (Aug 2026), -3.4% over one year, +8.6% over five
- 48th pct · 1,581st of 3,063 US counties · median $234,566
- 57th pct · 103rd of 243 Texas counties · median $215,660
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tom Green County, TX | $230,038 · -3.4% 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 $1,305/mo (Aug 2026), +5.1% over one year; price-to-rent 14.7
- 31st pct · 961st of 1,399 US counties · median $1,496
- 23rd pct · 81st of 106 Texas counties · median $1,483
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tom Green County, TX | $1,305/mo · +5.1% 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 $1,259 a month on $230,038 at 7.28%, against an average weekly wage worth $4,996 a month: 25.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $230,038 × 80% = $184,031, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,259/mo principal and interest
- wage share = payment / (avg weekly wage $1,153 × 52 / 12 = $4,996) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $230,038 / ($1,153 × 52) = 3.8
- price-to-rent = $230,038 / ($1,305 × 12) = 14.7
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 #
49,414 jobs at 3,000 employers (2026 Q1); -1.0% jobs and +4.8% average weekly wage over the year
- 84th pct · 515th of 3,221 US counties · median 8,232
- 86th pct · 36th of 254 Texas counties · median 6,022
- counties in the San Angelo metro: Rank context is unavailable: the manifest lists 2 counties in the San Angelo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tom Green County, TX | 49,414 jobs · $1,153/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,606 | $1,415 | 1.16 | +2.8% |
| Retail trade | 6,322 | $788 | 1.31 | +1.0% |
| Accommodation and food services | 5,753 | $434 | 1.30 | -0.9% |
| Manufacturing | 3,761 | $1,549 | 0.95 | -10.4% |
| Construction | 2,301 | $1,140 | 0.89 | -1.0% |
| Administrative and waste services | 2,038 | $1,163 | 0.73 | -3.7% |
| Professional and technical services | 1,918 | $1,221 | 0.56 | -0.8% |
| Wholesale trade | 1,808 | $1,581 | 0.96 | -3.5% |
| Other services | 1,560 | $826 | 1.06 | +4.6% |
| Finance and insurance | 1,549 | $1,572 | 0.77 | -2.4% |
| Mining, oil and gas | 985 | $1,832 | 5.60 | -7.8% |
| Transportation and warehousing | 776 | $1,612 | 0.37 | -0.8% |
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 #
29 % of conservation capacity, weighted over 15 TWDB reservoirs
Sites found: 18, 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 Nasworthy | 85 % full · 10k ac-ft | 2 km |
| Twin Buttes Reservoir | 5 % full · 182k ac-ft | 7 km |
| O. C. Fisher Lake | 11 % full · 116k ac-ft | 10 km |
| E. V. Spence Res nr Robert Lee, TX | 47,890 Acre-ft (USGS, no capacity on file) | 54 km |
| E. V. Spence Reservoir | 9 % full · 517k ac-ft | 54 km |
| Oak Creek Reservoir | 14 % full · 39k ac-ft | 74 km |
| O. H. Ivie Res nr Voss, TX | 230,000 Acre-ft (USGS, no capacity on file) | 76 km |
| O. H. Ivie Reservoir | 42 % full · 554k ac-ft | 76 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 #
25 gauges · 0 flooding · 1 with quality panels averaging 50 % · 4 stale
Sites found: 25, 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 |
|---|---|---|
| Colorado Rv nr Ballinger, TX | flow 0.72 ft³/s · quality 50 % (2) · no flooding | 54 km |
| West Central Texas Lakes at Lake Nasworthy | no flooding | 2 km |
| Red Arroyo at S. Chadbourne St. nr San Angelo, TX | flow 0.00 ft³/s | 5 km |
| West Central Texas Lakes at Twin Buttes Reservoir | no flooding | 7 km |
| Concho Rv at San Angelo, TX | flow 5.37 ft³/s · no flooding | 8 km |
| West Central Texas Lakes at O. C. Fisher Lake | no flooding | 10 km |
| Pecan Ck nr San Angelo, TX | flow 0.00 ft³/s · no flooding | 10 km |
| S Concho Rv abv Gardner Dam nr San Angelo, TX | flow 8.50 ft³/s · STALE | 13 km |
| S Concho Rv abv Twin Buttes Res nr San Angelo, TX | flow 4.16 ft³/s | 14 km |
| Spring Ck abv Twin Buttes Res nr San Angelo, TX | flow 0.00 ft³/s | 15 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 #
high (0.57)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.71 + 0.2×0.50 / 0.85
Banks & federal dollars #
$3.2 bn in deposits at 29 offices of 15 banks (SOD June 2026); HHI 1,645, moderately concentrated. $795.9 m federal obligations in FY2026 (direct payments $717.1 m, contracts $41.2 m), $16,106 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $1.1 bn · 32.9% share · 3 offices | |
| Wells Fargo Bank, National Association | $467.4 m · 14.5% share · 3 offices | |
| Texas State Bank | $354.2 m · 11.0% share · 4 offices | |
| Tom Green, TX | $795.9 m FY2026 · $16,106/job | |
| MULTIPLE RECIPIENTS | $666.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $1,063,023,000 | 32.9% | 3 |
| Wells Fargo Bank, National Association | $467,445,000 | 14.5% | 3 |
| Texas State Bank | $354,178,000 | 11.0% | 4 |
| The First National Bank of Sonora | $304,621,000 | 9.4% | 2 |
| The First National Bank of Mertzon | $229,399,000 | 7.1% | 2 |
| Pinnacle Bank | $202,951,000 | 6.3% | 3 |
| The First National Bank of Ballinger | $136,630,000 | 4.2% | 1 |
| Citizens State Bank | $133,167,000 | 4.1% | 1 |
| The City National Bank of Colorado City | $90,532,000 | 2.8% | 1 |
| First State Bank | $80,600,000 | 2.5% | 1 |
Deposit concentration is 1,645 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 32.9² + 14.5² + 11.0² + … (12 more) = 1,645
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 | $522,699,341 |
| Department of Veterans Affairs | $141,966,443 |
| Department of Agriculture | $38,815,035 |
| Department of Defense | $31,770,680 |
| Department of Education | $20,973,571 |
| Department of Health and Human Services | $10,578,347 |
| Department of Housing and Urban Development | $10,133,405 |
| Department of Homeland Security | $8,826,148 |
| Department of Transportation | $6,851,273 |
| Railroad Retirement Board | $1,751,159 |
| Federal Communications Commission | $1,202,193 |
| Small Business Administration | $198,535 |
That is $16,106 per covered job, against 49,414 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $795.9 m / 49,414 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,106
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Tom Green County, TX: 9 findings, 2 at a watch level and 7 noted
watchTom Green County, TX's typical home value is -3.4% 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 = -3.4178277829889283 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchTom Green County, TX's covered employment is -1.0% 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 = -1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTom Green County, TX's average weekly wage was 4.8% 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
- +4.8 % = 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
noteTom Green County, TX's covered employment was 1.0% 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
- -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
noteTom Green County, TX's typical asking rent fell 0.7% from $1,315 in July 2026 to $1,305 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.7% = (1305.3901463811333 - 1315.0056089735851) / 1315.0056089735851 × 100
- 1305.3901463811333 = Zillow ZORI, 2026-08
- 1315.0056089735851 = Zillow ZORI, 2026-07
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.