Wilbarger County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.08, -99.24.
Assembled 2026-10-06. Read the brief.
- 3rd pct · 2,945th of 3,063 US counties · median $234,566
- 8th pct · 223rd of 243 Texas counties · median $215,660
- 46th pct · 1,626th of 3,063 US counties · median +2.9%
- 74th pct · 62nd of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 44th pct · 1,794th of 3,221 US counties · median 8,232
- 52nd pct · 122nd of 254 Texas counties · median 6,022
- 35th pct · 2,085th of 3,221 US counties · median $1,039
- 22nd pct · 196th of 254 Texas counties · median $1,115
- 5th pct · 2,903rd of 3,063 US counties · median 4.3
- 14th pct · 208th 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 $106,971 (Aug 2026), +2.7% over one year, -7.8% over five
- 3rd pct · 2,945th of 3,063 US counties · median $234,566
- 8th pct · 223rd of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Wilbarger County, TX | $106,971 · +2.7% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Texas counties: not published this period
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 $586 a month on $106,971 at 7.28%, against an average weekly wage worth $4,212 a month: 13.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $106,971 × 80% = $85,577, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $586/mo principal and interest
- wage share = payment / (avg weekly wage $972 × 52 / 12 = $4,212) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $106,971 / ($972 × 52) = 2.1
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 #
6,501 jobs at 332 employers (2026 Q1); +10.1% jobs and +5.1% average weekly wage over the year
- 44th pct · 1,794th of 3,221 US counties · median 8,232
- 52nd pct · 122nd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Wilbarger County, TX | 6,501 jobs · $972/wk · +10.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 571 | $737 | 0.90 | +3.1% |
| Agriculture, forestry, fishing | 179 | $699 | 3.81 | +38.8% |
| Other services | 164 | $478 | 0.84 | +6.5% |
| Finance and insurance | 141 | $1,279 | 0.53 | +0.0% |
| Transportation and warehousing | 117 | $1,777 | 0.43 | +7.3% |
| Wholesale trade | 71 | $980 | 0.29 | +0.0% |
| Utilities | 46 | $2,528 | 1.79 | +17.9% |
| Professional and technical services | 46 | $1,139 | 0.10 | -13.2% |
| Real estate and rental | 27 | $626 | 0.27 | +3.8% |
| Mining, oil and gas | 9 | $1,290 | 0.39 | -35.7% |
| Construction | withheld | |||
| Manufacturing | 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 #
D4 exceptional 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 #
58 % of conservation capacity, weighted over 11 TWDB reservoirs
Sites found: 17, 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 Kemp | 63 % full · 245k ac-ft | 37 km |
| North Fork Buffalo Creek Reservoir | 71 % full · 15k ac-ft | 46 km |
| Lake Frederick nr Frederick, OK | 7,748 Acre-ft (USGS, no capacity on file) | 58 km |
| Lake Kickapoo | 77 % full · 86k ac-ft | 63 km |
| Millers Creek Reservoir | 57 % full · 27k ac-ft | 76 km |
| Lake Arrowhead | 70 % full · 230k ac-ft | 88 km |
| Lake Altus at Lugert, OK | 31,520 Acre-ft (USGS, no capacity on file) | 89 km |
| Lake Lawtonka near Lawton, OK | 42,960 Acre-ft (USGS, no capacity on file) | 99 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 #
28 gauges · 0 flooding · 2 with quality panels averaging 50 % · 4 stale
Sites found: 28, 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 |
|---|---|---|
| North Fork Red River near Headrick, OK | flow 16.5 ft³/s · quality 50 % (2) · no flooding | 63 km |
| Wichita Rv at Wichita Falls, TX | flow 57.4 ft³/s · quality 50 % (2) · no flooding | 68 km |
| Pease Rv nr Vernon, TX | flow 0.00 ft³/s · no flooding | 13 km |
| Red River near Davidson | no readings | 20 km |
| Beaver Ck nr Electra, TX | flow 0.71 ft³/s · no flooding | 37 km |
| Wichita River at Lake Kemp | no readings | 37 km |
| Wichita Rv nr Mabelle, TX | flow 0.49 ft³/s | 37 km |
| S Side Canal nr Dundee, TX | flow 109.0 ft³/s | 42 km |
| Wichita Rv at SH 25 nr Kamay, TX | flow 1.80 ft³/s · STALE | 44 km |
| Wichita Rv nr Seymour, TX | flow 0.00 ft³/s | 45 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 #
11 wells in 2 named aquifers: Blaine aquifer, Alluvial aquifers
Sites found: 11, 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 |
|---|---|---|
| Alluvial aquifers | depth 10.3 ft · 2017-07-05 | 45 km |
| USGS-343537099234301 | depth 11.5 ft · 2017-05-11 | 58 km |
| Blaine aquifer | depth 39.5 ft · 1988-04-19 | 59 km |
| USGS-343841099162101 | depth 7.46 ft · 1991-10-20 | 62 km |
| USGS-343925099155301 | depth 7.97 ft · 1991-10-20 | 64 km |
| Blaine aquifer | depth 20.2 ft · 1989-01-18 | 64 km |
| USGS-343926099163401 | depth 8.24 ft · 1991-10-20 | 64 km |
| USGS-343959099172601 | depth 7.74 ft · 1991-10-19 | 65 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 (0.68)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 + 0.3×0.42 + 0.2×0.50 / 0.85
Banks & federal dollars #
$416.8 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 5,014, highly concentrated. $78.0 m federal obligations in FY2026 (direct payments $74.3 m, grants $3.7 m), $11,995 per covered job
| Item | Value | Distance |
|---|---|---|
| The Waggoner National Bank of Vernon | $272.0 m · 65.2% share · 1 office | |
| Herring Bank | $111.9 m · 26.8% share · 3 offices | |
| Bank of the West | $23.4 m · 5.6% share · 1 office | |
| Wilbarger, TX | $78.0 m FY2026 · $11,995/job | |
| MULTIPLE RECIPIENTS | $66.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Waggoner National Bank of Vernon | $271,979,000 | 65.2% | 1 |
| Herring Bank | $111,870,000 | 26.8% | 3 |
| Bank of the West | $23,421,000 | 5.6% | 1 |
| Pilgrim Bank | $9,568,000 | 2.3% | 1 |
Deposit concentration is 5,014 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 65.2² + 26.8² + 5.6² + … (1 more) = 5,014
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 | $57,696,895 |
| Department of Veterans Affairs | $8,817,728 |
| Department of Education | $5,334,167 |
| Department of Agriculture | $2,238,317 |
| Department of Transportation | $1,724,909 |
| Environmental Protection Agency | $1,000,000 |
| Department of Housing and Urban Development | $860,312 |
| Railroad Retirement Board | $289,858 |
| Federal Communications Commission | $17,340 |
| Small Business Administration | $0 |
That is $11,995 per covered job, against 6,501 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $78.0 m / 6,501 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,995
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Wilbarger County, TX: 10 findings, 10 noted
noteWilbarger County, TX's covered employment was 10.1% 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
- +10.1 % = 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
noteWilbarger County, TX's average weekly wage was 5.1% 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
- +5.1 % = 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
noteWilbarger County, TX's covered employment of +10.1% ranks 58th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 98 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteWilbarger County, TX's typical home value of $106,971 ranks 2,945th of 3,063 US counties, against a median of $234,566.
Period 2026-08.Show the arithmetic
- 4 on the 0-to-100 scale across 3063 US counties that published home.latest
position among the entities that published this metric this period; not an official level
noteWilbarger County, TX's covered employment of +10.1% ranks 12th of 254 Texas counties, against a median of +0.1%.
Period 2026 Q1.Show the arithmetic
- 96 on the 0-to-100 scale across 254 Texas counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
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.