Trinity County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.10, -95.15.
Assembled 2026-10-06. Read the brief.
- 28th pct · 2,201st of 3,063 US counties · median $234,566
- 36th pct · 155th of 243 Texas counties · median $215,660
- 4th pct · 2,930th of 3,063 US counties · median +2.9%
- 8th pct · 222nd of 243 Texas counties · median +0.0%
- 54th pct · 633rd of 1,399 US counties · median $1,496
- 63rd pct · 39th of 106 Texas counties · median $1,483
- 20th pct · 2,561st of 3,221 US counties · median 8,232
- 30th pct · 176th of 254 Texas counties · median 6,022
- 13th pct · 2,795th of 3,221 US counties · median $1,039
- 5th pct · 240th of 254 Texas counties · median $1,115
- 44th pct · 1,703rd of 3,063 US counties · median 4.3
- 59th pct · 98th 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 $179,877 (Aug 2026), -4.9% over one year, -0.5% over five
- 28th pct · 2,201st of 3,063 US counties · median $234,566
- 36th pct · 155th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Trinity County, TX | $179,877 · -4.9% 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 $1,550/mo (Aug 2026), n/a over one year; price-to-rent 9.7
- 54th pct · 633rd of 1,399 US counties · median $1,496
- 63rd pct · 39th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Trinity County, TX | $1,550/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 $985 a month on $179,877 at 7.28%, against an average weekly wage worth $3,731 a month: 26.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $179,877 × 80% = $143,902, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $985/mo principal and interest
- wage share = payment / (avg weekly wage $861 × 52 / 12 = $3,731) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $179,877 / ($861 × 52) = 4.0
- price-to-rent = $179,877 / ($1,550 × 12) = 9.7
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 #
2,508 jobs at 225 employers (2026 Q1); +1.6% jobs and +10.0% average weekly wage over the year
- 20th pct · 2,561st of 3,221 US counties · median 8,232
- 30th pct · 176th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Trinity County, TX | 2,508 jobs · $861/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 271 | $471 | 1.11 | +8.4% |
| Manufacturing | 171 | $1,493 | 0.85 | +6.2% |
| Other services | 96 | $655 | 1.28 | -10.3% |
| Wholesale trade | 70 | $1,288 | 0.73 | +0.0% |
| Professional and technical services | 70 | $913 | 0.40 | +18.6% |
| Finance and insurance | 56 | $895 | 0.55 | -9.7% |
| Administrative and waste services | 28 | $676 | 0.20 | -3.4% |
| Transportation and warehousing | 24 | $1,057 | 0.23 | +9.1% |
| Utilities | 10 | $1,206 | 1.01 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | 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 #
D0 abnormally dry
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: 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 |
|---|---|---|
| Livingston Reservoir | 91 % full · 1,604k ac-ft | 53 km |
| Houston County Lake | 95 % full · 17k ac-ft | 55 km |
| Lake Nacogdoches | 85 % full · 40k ac-ft | 63 km |
| Lake Conroe | 95 % full · 418k ac-ft | 91 km |
| Lake Jacksonville | 97 % full · 26k ac-ft | 92 km |
| Lake Striker | 81 % full · 17k ac-ft | 95 km |
| B. A. Steinhagen Lake | 96 % full · 69k ac-ft | 99 km |
| Sam Rayburn Reservoir | 64 % full · 2,857k ac-ft | 100 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 #
low (0.09)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.3×0.20 / 0.65
Banks & federal dollars #
$176.7 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,616, highly concentrated. $126.5 m federal obligations in FY2026 (direct payments $124.5 m, grants $2.0 m), $50,454 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens State Bank | $77.7 m · 44.0% share · 1 office | |
| The First National Bank of Trinity | $62.8 m · 35.5% share · 1 office | |
| Sunflower Bank, National Association | $36.2 m · 20.5% share · 1 office | |
| Trinity, TX | $126.5 m FY2026 · $50,454/job | |
| MULTIPLE RECIPIENTS | $123.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens State Bank | $77,701,000 | 44.0% | 1 |
| The First National Bank of Trinity | $62,760,000 | 35.5% | 1 |
| Sunflower Bank, National Association | $36,243,000 | 20.5% | 1 |
Deposit concentration is 3,616 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 44.0² + 35.5² + 20.5² = 3,616
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 | $107,389,040 |
| Department of Veterans Affairs | $15,526,286 |
| Department of Transportation | $1,868,244 |
| Railroad Retirement Board | $862,924 |
| Department of Agriculture | $534,727 |
| Federal Communications Commission | $271,611 |
| Department of Housing and Urban Development | $83,993 |
| Department of Education | $35,477 |
| Department of Homeland Security | -$2,000 |
| Small Business Administration | -$30,996 |
That is $50,454 per covered job, against 2,508 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $126.5 m / 2,508 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $50,454
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 #
Trinity County, TX: 13 findings, 2 at a watch level and 11 noted
watchTrinity County, TX's typical home value is -4.9% 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 = -4.899548930322824 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchTrinity County, TX's typical home value is -1.3% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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.momPct = -1.288907251419291 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteTrinity County, TX's average weekly wage was 10.0% 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
- +10 % = 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
noteTrinity County, TX's covered employment 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
noteTrinity County, TX's typical home value fell 1.3% from $182,226 in July 2026 to $179,877 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -1.3% = (179877.19007279095 - 182225.9130804499) / 182225.9130804499 × 100
- 179877.19007279095 = Zillow ZHVI, 2026-08
- 182225.9130804499 = Zillow ZHVI, 2026-07
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.