Victoria County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 28.80, -96.97.
Assembled 2026-10-06. Read the brief.
- 44th pct · 1,698th of 3,063 US counties · median $234,566
- 52nd pct · 116th of 243 Texas counties · median $215,660
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
- 28th pct · 2,193rd of 3,063 US counties · median +2.9%
- 59th pct · 98th of 243 Texas counties · median +0.0%
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
- 21st pct · 1,095th of 1,399 US counties · median $1,496
- 13th pct · 92nd of 106 Texas counties · median $1,483
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
- 80th pct · 630th of 3,221 US counties · median 8,232
- 84th pct · 41st of 254 Texas counties · median 6,022
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
- 66th pct · 1,091st of 3,221 US counties · median $1,039
- 51st pct · 123rd of 254 Texas counties · median $1,115
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
- 39th pct · 1,862nd of 3,063 US counties · median 4.3
- 53rd pct · 113th of 243 Texas counties · median 3.6
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria 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 $221,019 (Aug 2026), +0.9% over one year, +15.7% over five
- 44th pct · 1,698th of 3,063 US counties · median $234,566
- 52nd pct · 116th of 243 Texas counties · median $215,660
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Victoria County, TX | $221,019 · +0.9% 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 $1,193/mo (Aug 2026), +4.9% over one year; price-to-rent 15.4
- 21st pct · 1,095th of 1,399 US counties · median $1,496
- 13th pct · 92nd of 106 Texas counties · median $1,483
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Victoria County, TX | $1,193/mo · +4.9% 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 #
Principal and interest of $1,210 a month on $221,019 at 7.28%, against an average weekly wage worth $4,858 a month: 24.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,019 × 80% = $176,815, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,210/mo principal and interest
- wage share = payment / (avg weekly wage $1,121 × 52 / 12 = $4,858) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,019 / ($1,121 × 52) = 3.8
- price-to-rent = $221,019 / ($1,193 × 12) = 15.4
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 #
37,382 jobs at 2,360 employers (2026 Q1); +1.5% jobs and +2.6% average weekly wage over the year
- 80th pct · 630th of 3,221 US counties · median 8,232
- 84th pct · 41st of 254 Texas counties · median 6,022
- counties in the Victoria metro: Rank context is unavailable: the manifest lists 2 counties in the Victoria metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Victoria County, TX | 37,382 jobs · $1,121/wk · +1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 5,568 | $742 | 1.53 | -1.6% |
| Health care and social assistance | 5,388 | $1,061 | 0.96 | -1.9% |
| Accommodation and food services | 4,170 | $416 | 1.24 | +1.2% |
| Wholesale trade | 1,824 | $1,607 | 1.27 | -2.6% |
| Construction | 1,798 | $1,366 | 0.92 | -0.6% |
| Manufacturing | 1,721 | $1,710 | 0.57 | -4.1% |
| Mining, oil and gas | 1,594 | $2,502 | 11.98 | -4.9% |
| Transportation and warehousing | 1,293 | $1,661 | 0.82 | -1.4% |
| Other services | 1,264 | $854 | 1.13 | -2.5% |
| Administrative and waste services | 1,050 | $1,233 | 0.49 | +2.4% |
| Finance and insurance | 937 | $1,383 | 0.62 | +0.0% |
| Professional and technical services | 889 | $1,217 | 0.34 | +3.5% |
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 #
47 % of conservation capacity, weighted over 4 TWDB reservoirs
Sites found: 6, 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 |
|---|---|---|
| Coleto Creek Reservoir | 75 % full · 31k ac-ft | 20 km |
| Lake Texana | 89 % full · 159k ac-ft | 40 km |
| Lake Corpus Christi | 84 % full · 256k ac-ft | 122 km |
| Lk Corpus Christi nr Mathis, TX | 215,200 Acre-ft (USGS, no capacity on file) | 122 km |
| Choke Canyon Res nr Three Rivers, TX | 145,200 Acre-ft (USGS, no capacity on file) | 129 km |
| Choke Canyon Reservoir | 22 % full · 663k ac-ft | 129 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 #
40 gauges · 0 flooding · 6 with quality panels averaging 58 % · 5 stale
Sites found: 40, 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 |
|---|---|---|
| Cox Bay site COX nr Point Comfort, TX | temp 30.5 °C · quality 50 % (3) · STALE | 47 km |
| Matagorda Bay Site MATA nr Palacios, TX | temp 16.9 °C · quality 67 % (3) · STALE | 67 km |
| Tres Palacios Bay site TPAL nr Palacios, TX | temp 30.3 °C · quality 50 % (3) · STALE | 72 km |
| E Mustang Ck nr Louise, TX | flow 4.64 ft³/s · quality 0 % (1) · no flooding | 62 km |
| San Antonio Rv at Goliad, TX | flow 1,650 ft³/s · quality 80 % (5) · no flooding | 44 km |
| Guadalupe Rv at Victoria, TX | flow 646.0 ft³/s · no flooding | 4 km |
| Guadalupe Rv nr Bloomington, TX | flow 520.0 ft³/s · no flooding | 15 km |
| Coleto Ck nr Victoria, TX | flow 2.48 ft³/s · no flooding | 18 km |
| Garcitas Ck nr Inez, TX | flow 24.8 ft³/s · no flooding | 18 km |
| Coleto Creek at Coleto Creek Reservoir | no readings | 20 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 #
2 wells in 1 named aquifer: Coastal lowlands aquifer system
Sites found: 2, 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 |
|---|---|---|
| Coastal lowlands aquifer system | depth 7.30 ft · 2008-09-30 | 53 km |
| Coastal lowlands aquifer system | depth 25.1 ft · 2008-09-29 | 53 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 #
high (0.59)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.53 + 0.2×0.42 / 0.85
Banks & federal dollars #
$2.4 bn in deposits at 21 offices of 11 banks (SOD June 2026); HHI 3,796, highly concentrated. $714.0 m federal obligations in FY2026 (direct payments $665.1 m, grants $46.3 m), $19,101 per covered job
| Item | Value | Distance |
|---|---|---|
| Prosperity Bank | $1.4 bn · 57.2% share · 6 offices | |
| Wells Fargo Bank, National Association | $500.6 m · 20.7% share · 2 offices | |
| Frost Bank | $154.5 m · 6.4% share · 1 office | |
| Victoria, TX | $714.0 m FY2026 · $19,101/job | |
| MULTIPLE RECIPIENTS | $638.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Prosperity Bank | $1,387,187,000 | 57.2% | 6 |
| Wells Fargo Bank, National Association | $500,600,000 | 20.7% | 2 |
| Frost Bank | $154,460,000 | 6.4% | 1 |
| NewFirst National Bank | $124,439,000 | 5.1% | 1 |
| TrustTexas Bank, SSB | $111,963,000 | 4.6% | 2 |
| The First State Bank | $41,204,000 | 1.7% | 1 |
| First National Bank in Port Lavaca | $27,944,000 | 1.2% | 1 |
| Crossroads Bank | $27,449,000 | 1.1% | 1 |
| International Bank of Commerce | $20,325,000 | 0.8% | 1 |
| First Community Bank | $15,841,000 | 0.7% | 1 |
Deposit concentration is 3,796 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 57.2² + 20.7² + 6.4² + … (8 more) = 3,796
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 | $443,882,482 |
| Department of Health and Human Services | $121,712,361 |
| Department of Veterans Affairs | $73,530,478 |
| Department of Transportation | $43,964,336 |
| Department of Education | $14,517,679 |
| Department of Housing and Urban Development | $7,326,536 |
| Railroad Retirement Board | $4,259,195 |
| General Services Administration | $2,218,683 |
| Department of Agriculture | $2,131,741 |
| Federal Communications Commission | $346,446 |
| Department of Defense | $169,086 |
| Department of Justice | $814 |
That is $19,101 per covered job, against 37,382 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $714.0 m / 37,382 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,101
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 | -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 #
Victoria County, TX: 6 findings, 1 at a watch level and 5 noted
watchVictoria County, TX's typical home value of +0.9% scores 28 on the 0-to-100 scale across US counties but 60 across Texas counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |28 across US counties - 60 across Texas counties|
position among the entities that published this metric this period; not an official level
noteVictoria County, TX's average weekly wage was 2.6% 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
- +2.6 % = 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
noteVictoria County, TX's covered employment was 1.5% 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
- +1.5 % = 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
noteVictoria County, TX's typical asking rent rose 1.3% from $1,177 in July 2026 to $1,193 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.3% = (1193.342803030303 - 1177.4488377115304) / 1177.4488377115304 × 100
- 1193.342803030303 = Zillow ZORI, 2026-08
- 1177.4488377115304 = Zillow ZORI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Victoria County, TX is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.