Webb County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 27.76, -99.34.
Assembled 2026-10-06. Read the brief.
- 43rd pct · 1,726th of 3,063 US counties · median $234,566
- 51st pct · 118th of 243 Texas counties · median $215,660
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
- 41st pct · 1,789th of 3,063 US counties · median +2.9%
- 71st pct · 70th of 243 Texas counties · median +0.0%
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
- 21st pct · 1,099th of 1,399 US counties · median $1,496
- 12th pct · 93rd of 106 Texas counties · median $1,483
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
- 91st pct · 279th of 3,221 US counties · median 8,232
- 90th pct · 24th of 254 Texas counties · median 6,022
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
- 25th pct · 2,391st of 3,221 US counties · median $1,039
- 14th pct · 216th of 254 Texas counties · median $1,115
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
- 54th pct · 1,383rd of 3,063 US counties · median 4.3
- 72nd pct · 68th of 243 Texas counties · median 3.6
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo 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 $218,941 (Aug 2026), +2.2% over one year, +10.8% over five
- 43rd pct · 1,726th of 3,063 US counties · median $234,566
- 51st pct · 118th of 243 Texas counties · median $215,660
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Webb County, TX | $218,941 · +2.2% 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 $1,191/mo (Aug 2026), +1.5% over one year; price-to-rent 15.3
- 21st pct · 1,099th of 1,399 US counties · median $1,496
- 12th pct · 93rd of 106 Texas counties · median $1,483
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Webb County, TX | $1,191/mo · +1.5% 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 $1,198 a month on $218,941 at 7.28%, against an average weekly wage worth $4,039 a month: 29.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $218,941 × 80% = $175,153, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,198/mo principal and interest
- wage share = payment / (avg weekly wage $932 × 52 / 12 = $4,039) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $218,941 / ($932 × 52) = 4.5
- price-to-rent = $218,941 / ($1,191 × 12) = 15.3
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 #
108,520 jobs at 5,947 employers (2026 Q1); 0.0% jobs and +3.0% average weekly wage over the year
- 91st pct · 279th of 3,221 US counties · median 8,232
- 90th pct · 24th of 254 Texas counties · median 6,022
- counties in the Laredo metro: Rank context is unavailable: the manifest lists 1 counties in the Laredo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Webb County, TX | 108,520 jobs · $932/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 18,483 | $689 | 1.13 | +3.2% |
| Transportation and warehousing | 17,677 | $1,013 | 3.86 | -2.1% |
| Retail trade | 12,026 | $653 | 1.14 | -2.1% |
| Accommodation and food services | 11,375 | $408 | 1.17 | +3.3% |
| Administrative and waste services | 5,576 | $870 | 0.90 | -2.6% |
| Wholesale trade | 3,733 | $1,295 | 0.90 | +3.8% |
| Professional and technical services | 3,100 | $1,084 | 0.41 | +0.7% |
| Construction | 2,330 | $1,171 | 0.41 | +4.2% |
| Finance and insurance | 2,283 | $1,124 | 0.52 | -0.3% |
| Other services | 1,846 | $747 | 0.57 | -3.5% |
| Real estate and rental | 1,410 | $1,070 | 0.85 | -9.7% |
| Mining, oil and gas | 1,143 | $1,960 | 2.96 | +2.3% |
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 #
27 % of conservation capacity, weighted over 3 TWDB reservoirs
Sites found: 5, 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 |
|---|---|---|
| Choke Canyon Reservoir | 22 % full · 663k ac-ft | 134 km |
| Choke Canyon Res nr Three Rivers, TX | 145,300 Acre-ft (USGS, no capacity on file) | 134 km |
| Falcon Reservoir | 20 % full · 1,562k ac-ft | 135 km |
| Lk Corpus Christi nr Mathis, TX | 215,400 Acre-ft (USGS, no capacity on file) | 148 km |
| Lake Corpus Christi | 84 % full · 256k ac-ft | 148 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 #
10 gauges · 0 flooding · 0 with quality panels · 1 stale
Sites found: 10, 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 |
|---|---|---|
| Zacate Ck at Jacaman Rd, Laredo, TX | stage 1.08 ft | 26 km |
| Manadas Ck Trib at Bristol Rd nr Laredo, TX | stage 1.29 ft | 26 km |
| Manadas Ck at Laredo, TX | stage 5.03 ft | 26 km |
| Rio Grande at World Trade Bridge | observation not current | 27 km |
| Zacate Ck at Laredo, TX | flow 1.77 ft³/s | 30 km |
| Rio Grande at Laredo | no flooding | 33 km |
| Rio Grande at Columbia Bridge | no flooding | 40 km |
| Rio Grande at Pipeline Crsg bl Laredo, TX | flow 1,940 ft³/s · observation not current · STALE | 43 km |
| San Casimiro Ck nr Freer, TX | flow 0.00 ft³/s | 43 km |
| Nueces Rv at Cotulla, TX | flow 3.00 ft³/s · no flooding | 75 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 (0.61)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.73 / 0.65
Banks & federal dollars #
$8.8 bn in deposits at 53 offices of 10 banks (SOD June 2026); HHI 1,947, highly concentrated. $3.3 bn federal obligations in FY2026 (contracts $2.0 bn, direct payments $913.0 m), $30,610 per covered job
| Item | Value | Distance |
|---|---|---|
| International Bank of Commerce | $3.0 bn · 34.2% share · 17 offices | |
| Texas Community Bank | $1.5 bn · 16.7% share · 3 offices | |
| Falcon International Bank | $1.3 bn · 14.6% share · 7 offices | |
| Webb, TX | $3.3 bn FY2026 · $30,610/job | |
| MULTIPLE RECIPIENTS | $831.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| International Bank of Commerce | $3,026,924,000 | 34.2% | 17 |
| Texas Community Bank | $1,473,457,000 | 16.7% | 3 |
| Falcon International Bank | $1,291,077,000 | 14.6% | 7 |
| PNC Bank, National Association | $1,203,340,000 | 13.6% | 7 |
| Commerce Bank | $664,507,000 | 7.5% | 3 |
| Wells Fargo Bank, National Association | $416,766,000 | 4.7% | 4 |
| JPMorgan Chase Bank, National Association | $294,567,000 | 3.3% | 2 |
| Bank of America, National Association | $225,304,000 | 2.5% | 2 |
| Vantage Bank Texas | $206,340,000 | 2.3% | 2 |
| First National Bank Texas | $46,175,000 | 0.5% | 6 |
Deposit concentration is 1,947 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 34.2² + 16.7² + 14.6² + … (7 more) = 1,947
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 |
|---|---|
| Department of Homeland Security | $1,942,052,130 |
| Social Security Administration | $702,443,309 |
| Department of Transportation | $348,845,115 |
| Department of Veterans Affairs | $117,890,078 |
| Department of Education | $58,131,254 |
| Department of Justice | $49,644,579 |
| Department of Housing and Urban Development | $28,709,310 |
| Department of Health and Human Services | $23,389,637 |
| General Services Administration | $23,019,984 |
| Railroad Retirement Board | $10,665,194 |
| Federal Communications Commission | $8,579,191 |
| Department of Defense | $4,817,673 |
That is $30,610 per covered job, against 108,520 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.3 bn / 108,520 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,610
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 #
Webb County, TX: 6 findings, 6 noted
noteWebb County, TX's average weekly wage was 3.0% 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
- +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
noteWebb County, TX's typical asking rent fell 0.3% from $1,194 in July 2026 to $1,191 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.3% = (1190.5046620046621 - 1194.4429774822515) / 1194.4429774822515 × 100
- 1190.5046620046621 = Zillow ZORI, 2026-08
- 1194.4429774822515 = Zillow ZORI, 2026-07
noteWebb County, TX's covered employment of 108,520 ranks 279th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 91 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteWebb County, TX's covered employment of 108,520 ranks 24th of 254 Texas counties, against a median of 6,022.
Period 2026 Q1.Show the arithmetic
- 91 on the 0-to-100 scale across 254 Texas counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Webb 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.