Young County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.16, -98.68.
Assembled 2026-10-06. Read the brief.
- 30th pct · 2,133rd of 3,063 US counties · median $234,566
- 38th pct · 151st of 243 Texas counties · median $215,660
- 12th pct · 2,693rd of 3,063 US counties · median +2.9%
- 33rd pct · 161st of 243 Texas counties · median +0.0%
- US counties: not published this period
- Texas counties: not published this period
- 46th pct · 1,730th of 3,221 US counties · median 8,232
- 54th pct · 117th of 254 Texas counties · median 6,022
- 67th pct · 1,036th of 3,221 US counties · median $1,039
- 54th pct · 116th of 254 Texas counties · median $1,115
- 23rd pct · 2,358th of 3,063 US counties · median 4.3
- 39th pct · 148th 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 $184,447 (Aug 2026), -1.5% over one year, +22.7% over five
- 30th pct · 2,133rd of 3,063 US counties · median $234,566
- 38th pct · 151st of 243 Texas counties · median $215,660
| Item | Value | Distance |
|---|---|---|
| Young County, TX | $184,447 · -1.5% 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 $1,010 a month on $184,447 at 7.28%, against an average weekly wage worth $4,905 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $184,447 × 80% = $147,558, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,010/mo principal and interest
- wage share = payment / (avg weekly wage $1,132 × 52 / 12 = $4,905) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $184,447 / ($1,132 × 52) = 3.1
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 #
7,076 jobs at 595 employers (2026 Q1); +2.4% jobs and +4.3% average weekly wage over the year
- 46th pct · 1,730th of 3,221 US counties · median 8,232
- 54th pct · 117th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Young County, TX | 7,076 jobs · $1,132/wk · +2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,496 | $1,257 | 2.63 | +3.2% |
| Retail trade | 761 | $643 | 1.10 | -0.3% |
| Accommodation and food services | 595 | $362 | 0.94 | +1.9% |
| Mining, oil and gas | 514 | $1,741 | 20.40 | +5.5% |
| Construction | 313 | $2,334 | 0.84 | -5.7% |
| Wholesale trade | 227 | $1,273 | 0.84 | +1.3% |
| Finance and insurance | 220 | $1,363 | 0.76 | +10.0% |
| Professional and technical services | 155 | $1,351 | 0.32 | +6.2% |
| Real estate and rental | 138 | $1,558 | 1.27 | +81.6% |
| Other services | 112 | $788 | 0.53 | -13.2% |
| Utilities | 105 | $3,485 | 3.76 | +0.0% |
| Information | 56 | $1,105 | 0.43 | +1.8% |
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 #
72 % of conservation capacity, weighted over 27 TWDB reservoirs
Sites found: 31, 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 Graham | 65 % full · 45k ac-ft | 7 km |
| Possum Kingdom Lake | 86 % full · 538k ac-ft | 40 km |
| Hubbard Creek Reservoir | 36 % full · 313k ac-ft | 45 km |
| Lost Creek Reservoir | 88 % full · 12k ac-ft | 53 km |
| Lake Kickapoo | 77 % full · 86k ac-ft | 57 km |
| Lake Palo Pinto | 80 % full · 27k ac-ft | 68 km |
| Lake Mineral Wells | 85 % full · 5k ac-ft | 70 km |
| Millers Creek Reservoir | 57 % full · 27k ac-ft | 72 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 #
27 gauges · 0 flooding · 0 with quality panels · 1 stale
Sites found: 27, 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 Texas Lakes at Lake Graham | no readings | 7 km |
| Brazos Rv nr South Bend, TX | flow 0.00 ft³/s · no flooding | 15 km |
| Clear Fk Brazos Rv at Eliasville, TX | flow 2,530 ft³/s | 24 km |
| Rock Ck at Rock Ck Rd nr Bryson, TX | flow 0.00 ft³/s | 28 km |
| Cedar Ck at FM 3253 nr Caddo, TX | flow 0.00 ft³/s | 34 km |
| North Texas Lakes at Possum Kingdom Lake | no readings | 40 km |
| W Fk Trinity Rv at US Hwy 281 nr Windthorst, TX | flow 0.02 ft³/s | 40 km |
| Brazos Rv nr Graford, TX | flow 16.6 ft³/s | 42 km |
| Hubbard Ck nr Breckenridge, TX | flow 0.00 ft³/s | 44 km |
| Brazos Rv nr Palo Pinto, TX | flow 108.0 ft³/s · no flooding | 48 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 (0.40)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.28 / 0.65
Banks & federal dollars #
$849.2 m in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,453, highly concentrated. $121.3 m federal obligations in FY2026 (direct payments $114.6 m, grants $6.7 m), $17,143 per covered job
| Item | Value | Distance |
|---|---|---|
| Ciera Bank | $268.0 m · 31.6% share · 1 office | |
| InterBank | $240.2 m · 28.3% share · 2 offices | |
| First State Bank | $190.8 m · 22.5% share · 3 offices | |
| Young, TX | $121.3 m FY2026 · $17,143/job | |
| MULTIPLE RECIPIENTS | $113.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Ciera Bank | $267,995,000 | 31.6% | 1 |
| InterBank | $240,203,000 | 28.3% | 2 |
| First State Bank | $190,839,000 | 22.5% | 3 |
| Graham Savings and Loan, SSB | $89,512,000 | 10.5% | 1 |
| Farmers and Merchants Bank | $53,902,000 | 6.3% | 1 |
| First National Bank Texas | $6,725,000 | 0.8% | 1 |
Deposit concentration is 2,453 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 31.6² + 28.3² + 22.5² + … (3 more) = 2,453
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 | $100,743,077 |
| Department of Veterans Affairs | $12,494,984 |
| Department of Transportation | $6,618,981 |
| Department of Agriculture | $681,497 |
| Department of Housing and Urban Development | $509,420 |
| Railroad Retirement Board | $233,284 |
| Department of Education | $17,873 |
| Federal Communications Commission | $6,346 |
| Department of the Interior | $0 |
That is $17,143 per covered job, against 7,076 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $121.3 m / 7,076 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,143
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 #
Young County, TX: 5 findings, 1 at a watch level and 4 noted
watchYoung County, TX's typical home value is -1.5% 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 = -1.527040732982453 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteYoung County, TX's average weekly wage was 4.3% 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
- +4.3 % = 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
noteYoung County, TX's covered employment was 2.4% 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
- +2.4 % = 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
noteYoung County, TX's typical home value fell 0.3% from $185,061 in July 2026 to $184,447 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (184447.22108055535 - 185061.31219114226) / 185061.31219114226 × 100
- 184447.22108055535 = Zillow ZHVI, 2026-08
- 185061.31219114226 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Young 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
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.