Wichita County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.99, -98.71.
Assembled 2026-10-06. Read the brief.
- 24th pct · 2,315th of 3,063 US counties · median $234,566
- 31st pct · 167th of 243 Texas counties · median $215,660
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
- 39th pct · 1,846th of 3,063 US counties · median +2.9%
- 70th pct · 72nd of 243 Texas counties · median +0.0%
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
- 35th pct · 903rd of 1,399 US counties · median $1,496
- 32nd pct · 72nd of 106 Texas counties · median $1,483
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
- 84th pct · 489th of 3,221 US counties · median 8,232
- 86th pct · 34th of 254 Texas counties · median 6,022
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
- 54th pct · 1,464th of 3,221 US counties · median $1,039
- 39th pct · 154th of 254 Texas counties · median $1,115
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
- 22nd pct · 2,364th of 3,063 US counties · median 4.3
- 38th pct · 149th of 243 Texas counties · median 3.6
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls 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 $172,034 (Aug 2026), +2.1% over one year, +23.8% over five
- 24th pct · 2,315th of 3,063 US counties · median $234,566
- 31st pct · 167th of 243 Texas counties · median $215,660
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wichita County, TX | $172,034 · +2.1% 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 $1,346/mo (Aug 2026), +7.2% over one year; price-to-rent 10.6
- 35th pct · 903rd of 1,399 US counties · median $1,496
- 32nd pct · 72nd of 106 Texas counties · median $1,483
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wichita County, TX | $1,346/mo · +7.2% 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 $942 a month on $172,034 at 7.28%, against an average weekly wage worth $4,589 a month: 20.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $172,034 × 80% = $137,627, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $942/mo principal and interest
- wage share = payment / (avg weekly wage $1,059 × 52 / 12 = $4,589) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $172,034 / ($1,059 × 52) = 3.1
- price-to-rent = $172,034 / ($1,346 × 12) = 10.6
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 #
52,541 jobs at 3,226 employers (2026 Q1); -0.1% jobs and +4.2% average weekly wage over the year
- 84th pct · 489th of 3,221 US counties · median 8,232
- 86th pct · 34th of 254 Texas counties · median 6,022
- counties in the Wichita Falls metro: Rank context is unavailable: the manifest lists 3 counties in the Wichita Falls metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wichita County, TX | 52,541 jobs · $1,059/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 10,223 | $1,134 | 1.29 | -0.8% |
| Retail trade | 6,571 | $687 | 1.28 | -3.0% |
| Accommodation and food services | 5,815 | $423 | 1.23 | +3.2% |
| Manufacturing | 4,949 | $1,497 | 1.17 | +0.2% |
| Administrative and waste services | 2,115 | $842 | 0.71 | +8.5% |
| Construction | 1,976 | $1,079 | 0.72 | +12.7% |
| Transportation and warehousing | 1,867 | $1,397 | 0.84 | +0.6% |
| Finance and insurance | 1,733 | $1,679 | 0.81 | -0.3% |
| Other services | 1,666 | $701 | 1.06 | -4.6% |
| Wholesale trade | 1,301 | $1,461 | 0.65 | -3.2% |
| Professional and technical services | 1,087 | $1,431 | 0.30 | +6.0% |
| Information | 551 | $1,263 | 0.57 | -2.1% |
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.
Water #
Banks & federal dollars #
$4.1 bn in deposits at 31 offices of 13 banks (SOD June 2026); HHI 2,377, highly concentrated. $1.1 bn federal obligations in FY2026 (direct payments $808.0 m, contracts $204.6 m), $20,194 per covered job
| Item | Value | Distance |
|---|---|---|
| American National Bank & Trust | $1.7 bn · 42.8% share · 4 offices | |
| Investar Bank, National Association | $553.9 m · 13.6% share · 2 offices | |
| First Bank | $506.1 m · 12.5% share · 5 offices | |
| Wichita, TX | $1.1 bn FY2026 · $20,194/job | |
| MULTIPLE RECIPIENTS | $781.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| American National Bank & Trust | $1,739,557,000 | 42.8% | 4 |
| Investar Bank, National Association | $553,946,000 | 13.6% | 2 |
| First Bank | $506,091,000 | 12.5% | 5 |
| Wells Fargo Bank, National Association | $380,262,000 | 9.4% | 2 |
| JPMorgan Chase Bank, National Association | $326,871,000 | 8.0% | 2 |
| Prosperity Bank | $260,402,000 | 6.4% | 4 |
| Pilgrim Bank | $86,184,000 | 2.1% | 3 |
| First Capital Bank | $61,189,000 | 1.5% | 1 |
| First United Bank | $38,098,000 | 0.9% | 1 |
| FSNB, National Association | $36,928,000 | 0.9% | 2 |
Deposit concentration is 2,377 across 13 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 42.8² + 13.6² + 12.5² + … (10 more) = 2,377
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 | $577,084,881 |
| Department of Defense | $227,717,329 |
| Department of Veterans Affairs | $200,042,916 |
| Department of Education | $15,651,017 |
| Department of Housing and Urban Development | $13,674,132 |
| Department of Health and Human Services | $10,004,935 |
| Department of Transportation | $7,841,968 |
| Railroad Retirement Board | $4,658,530 |
| Department of Agriculture | $3,487,233 |
| Federal Communications Commission | $832,860 |
| Small Business Administration | $0 |
| Department of Commerce | $0 |
That is $20,194 per covered job, against 52,541 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 52,541 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,194
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 #
Wichita County, TX: 10 findings, 2 at a watch level and 8 noted
watchWichita County, TX's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWichita County, TX's typical home value of +2.1% scores 40 on the 0-to-100 scale across US counties but 71 across Texas counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |40 across US counties - 71 across Texas counties|
position among the entities that published this metric this period; not an official level
noteWichita 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
noteWichita County, TX's typical asking rent rose 1.9% from $1,321 in July 2026 to $1,346 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.9% = (1346.218495823759 - 1320.8879666626415) / 1320.8879666626415 × 100
- 1346.218495823759 = Zillow ZORI, 2026-08
- 1320.8879666626415 = Zillow ZORI, 2026-07
noteWichita County, TX's typical home value rose 0.3% from $171,496 in July 2026 to $172,034 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (172033.8080433531 - 171495.65586607682) / 171495.65586607682 × 100
- 172033.8080433531 = Zillow ZHVI, 2026-08
- 171495.65586607682 = Zillow ZHVI, 2026-07
Read all 10 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.