Wood County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.78, -95.38.
Assembled 2026-10-06. Read the brief.
- 65th pct · 1,052nd of 3,063 US counties · median $234,566
- 75th pct · 60th of 243 Texas counties · median $215,660
- 11th pct · 2,721st of 3,063 US counties · median +2.9%
- 32nd pct · 164th of 243 Texas counties · median +0.0%
- 31st pct · 959th of 1,399 US counties · median $1,496
- 24th pct · 80th of 106 Texas counties · median $1,483
- 56th pct · 1,404th of 3,221 US counties · median 8,232
- 64th pct · 91st of 254 Texas counties · median 6,022
- 31st pct · 2,201st of 3,221 US counties · median $1,039
- 20th pct · 201st of 254 Texas counties · median $1,115
- 75th pct · 759th of 3,063 US counties · median 4.3
- 86th pct · 34th 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 $284,442 (Aug 2026), -1.8% over one year, +9.6% over five
- 65th pct · 1,052nd of 3,063 US counties · median $234,566
- 75th pct · 60th of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Wood County, TX | $284,442 · -1.8% 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 $1,307/mo (Aug 2026), n/a over one year; price-to-rent 18.1
- 31st pct · 959th of 1,399 US counties · median $1,496
- 24th pct · 80th of 106 Texas counties · median $1,483
| Item | Value | Distance |
|---|---|---|
| Wood County, TX | $1,307/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 $1,557 a month on $284,442 at 7.28%, against an average weekly wage worth $4,156 a month: 37.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $284,442 × 80% = $227,553, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,557/mo principal and interest
- wage share = payment / (avg weekly wage $959 × 52 / 12 = $4,156) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $284,442 / ($959 × 52) = 5.7
- price-to-rent = $284,442 / ($1,307 × 12) = 18.1
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 #
10,743 jobs at 949 employers (2026 Q1); +1.1% jobs and +2.7% average weekly wage over the year
- 56th pct · 1,404th of 3,221 US counties · median 8,232
- 64th pct · 91st of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Wood County, TX | 10,743 jobs · $959/wk · +1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,545 | $683 | 1.48 | -3.6% |
| Manufacturing | 1,241 | $1,338 | 1.44 | +6.6% |
| Accommodation and food services | 1,195 | $370 | 1.24 | +6.0% |
| Other services | 350 | $854 | 1.09 | -8.1% |
| Finance and insurance | 314 | $1,402 | 0.72 | -1.3% |
| Professional and technical services | 233 | $1,026 | 0.31 | +7.4% |
| Wholesale trade | 215 | $1,266 | 0.52 | +4.4% |
| Utilities | 140 | $1,546 | 3.30 | -0.7% |
| Agriculture, forestry, fishing | 134 | $796 | 1.73 | -5.0% |
| Administrative and waste services | 119 | $1,250 | 0.19 | +0.0% |
| Arts, entertainment and recreation | 110 | $474 | 0.62 | +4.8% |
| Real estate and rental | 78 | $1,685 | 0.47 | +52.9% |
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 #
86 % of conservation capacity, weighted over 32 TWDB reservoirs
Sites found: 37, 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 Fork Reservoir | 82 % full · 606k ac-ft | 14 km |
| Lake Fk Res nr Quitman, TX | 560,100 Acre-ft (USGS, no capacity on file) | 14 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 38 km |
| Monticello Reservoir | 73 % full · 35k ac-ft | 46 km |
| Lake Bob Sandlin | 89 % full · 192k ac-ft | 48 km |
| Lake Sulphur Springs | 86 % full · 18k ac-ft | 49 km |
| Lake Tawakoni | 92 % full · 872k ac-ft | 50 km |
| Lk Tawakoni nr Wills Point, TX | 800,200 Acre-ft (USGS, no capacity on file) | 50 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 #
24 gauges · 0 flooding · 0 with quality panels · 2 stale
Sites found: 24, 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 |
|---|---|---|
| Lake Fk Ck nr Quitman, TX | flow 75.0 ft³/s · no flooding | 8 km |
| Sabine Rv nr Mineola, TX | flow 22.9 ft³/s · no flooding | 21 km |
| Sabine Rv at FM 17 nr Golden, TX | flow 28.6 ft³/s | 25 km |
| Brushy Ck at Scroggins, TX | flow 0.29 ft³/s · STALE | 28 km |
| Sabine Rv nr Hawkins, TX | flow 115.0 ft³/s · no flooding | 30 km |
| Grand Saline Ck at FM 857 nr Grand Saline, TX | flow 0.00 ft³/s | 32 km |
| Big Sandy Ck nr Big Sandy, TX | flow 20.5 ft³/s · no flooding | 34 km |
| Mill Ck at CR 1903 nr Fruitvale, TX | flow 17.8 ft³/s | 41 km |
| Sabine Rv nr Gladewater, TX | flow 163.0 ft³/s · no flooding | 49 km |
| Sabine Rv nr Wills Point, TX | flow 4.47 ft³/s | 50 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 #
moderate (0.47)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.14 / 0.65
Banks & federal dollars #
$1.2 bn in deposits at 19 offices of 8 banks (SOD June 2026); HHI 2,394, highly concentrated. $446.0 m federal obligations in FY2026 (direct payments $439.9 m, grants $4.8 m), $41,514 per covered job
| Item | Value | Distance |
|---|---|---|
| The City National Bank of Sulphur Springs | $398.0 m · 34.4% share · 6 offices | |
| Origin Bank | $308.9 m · 26.7% share · 3 offices | |
| Broadstreet Bank S S B | $218.0 m · 18.8% share · 3 offices | |
| Wood, TX | $446.0 m FY2026 · $41,514/job | |
| MULTIPLE RECIPIENTS | $435.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The City National Bank of Sulphur Springs | $397,952,000 | 34.4% | 6 |
| Origin Bank | $308,940,000 | 26.7% | 3 |
| Broadstreet Bank S S B | $217,983,000 | 18.8% | 3 |
| The First National Bank of Winnsboro | $106,632,000 | 9.2% | 2 |
| The First National Bank of East Texas | $88,576,000 | 7.6% | 2 |
| Prosperity Bank | $21,549,000 | 1.9% | 1 |
| Southside Bank | $16,030,000 | 1.4% | 1 |
| First National Bank Texas | $856,000 | 0.1% | 1 |
Deposit concentration is 2,394 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 34.4² + 26.7² + 18.8² + … (5 more) = 2,394
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 | $370,270,388 |
| Department of Veterans Affairs | $58,097,555 |
| Railroad Retirement Board | $7,148,586 |
| Department of Education | $6,511,009 |
| Department of Agriculture | $2,369,559 |
| Department of Transportation | $900,691 |
| Department of Housing and Urban Development | $509,528 |
| Federal Communications Commission | $175,780 |
| Small Business Administration | $1,463 |
| Department of Health and Human Services | $0 |
That is $41,514 per covered job, against 10,743 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $446.0 m / 10,743 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,514
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 #
Wood County, TX: 7 findings, 1 at a watch level and 6 noted
watchWood County, TX's typical home value is -1.8% 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 = -1.757717614692869 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteWood County, TX's average weekly wage was 2.7% 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
- +2.7 % = 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
noteWood County, TX's covered employment was 1.1% 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
- +1.1 % = 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
noteWood County, TX's typical asking rent rose 1.0% from $1,295 in July 2026 to $1,307 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.0% = (1307.0833333333335 - 1294.5608795334138) / 1294.5608795334138 × 100
- 1307.0833333333335 = Zillow ZORI, 2026-08
- 1294.5608795334138 = Zillow ZORI, 2026-07
noteWood County, TX's typical home value fell 0.5% from $285,741 in July 2026 to $284,442 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.5% = (284441.75772770547 - 285741.05118196545) / 285741.05118196545 × 100
- 284441.75772770547 = Zillow ZHVI, 2026-08
- 285741.05118196545 = Zillow ZHVI, 2026-07
Read all 7 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.