Andrews County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.31, -102.64.
Assembled 2026-10-19. Read the brief.
- 60th pct · 1,197th of 3,063 US counties · median $230,451
- 71st pct · 71st of 243 Texas counties · median $207,861
- 86th pct · 407th of 3,062 US counties · median +2.9%
- 88th pct · 29th of 243 Texas counties · median +0.1%
- US counties: not published this period
- Texas counties: not published this period
- 48th pct · 1,656th of 3,221 US counties · median 8,232
- 56th pct · 110th of 254 Texas counties · median 6,022
- 94th pct · 179th of 3,221 US counties · median $1,039
- 88th pct · 30th of 254 Texas counties · median $1,115
- 26th pct · 2,256th of 3,063 US counties · median 4.2
- 42nd pct · 139th of 243 Texas counties · median 3.5
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 $263,891 (Sep 2026), +6.9% over one year, +10.1% over five
- 60th pct · 1,197th of 3,063 US counties · median $230,451
- 71st pct · 71st of 243 Texas counties · median $207,861
| Item | Value | Distance |
|---|---|---|
| Andrews County, TX | $263,891 · +6.9% 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 $1,462 a month on $263,891 at 7.40%, against an average weekly wage worth $6,873 a month: 21.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $263,891 × 80% = $211,113, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,462/mo principal and interest
- wage share = payment / (avg weekly wage $1,586 × 52 / 12 = $6,873) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $263,891 / ($1,586 × 52) = 3.2
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 #
7,766 jobs at 526 employers (2026 Q1); +0.1% jobs and +3.8% average weekly wage over the year
- 48th pct · 1,656th of 3,221 US counties · median 8,232
- 56th pct · 110th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Andrews County, TX | 7,766 jobs · $1,586/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 1,611 | $2,323 | 58.26 | -3.4% |
| Construction | 1,366 | $1,857 | 3.36 | +0.7% |
| Retail trade | 660 | $861 | 0.87 | +3.0% |
| Transportation and warehousing | 401 | $1,918 | 1.23 | +13.3% |
| Administrative and waste services | 352 | $1,771 | 0.80 | +18.9% |
| Wholesale trade | 226 | $1,900 | 0.76 | -1.7% |
| Other services | 209 | $1,299 | 0.90 | -6.7% |
| Real estate and rental | 203 | $1,659 | 1.70 | -9.4% |
| Finance and insurance | 166 | $2,382 | 0.52 | +10.7% |
| Manufacturing | 132 | $1,172 | 0.21 | +13.8% |
| Information | 51 | $1,465 | 0.36 | +8.5% |
| Agriculture, forestry, fishing | 8 | $763 | 0.14 | -11.1% |
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 #
$369.9 m in deposits at 4 offices of 2 banks (SOD June 2026); HHI 6,876, highly concentrated. $69.8 m federal obligations in FY2026 (direct payments $63.9 m, contracts $7.3 m), $8,990 per covered job
| Item | Value | Distance |
|---|---|---|
| The National Bank of Andrews | $298.2 m · 80.6% share · 3 offices | |
| American Momentum Bank | $71.7 m · 19.4% share · 1 office | |
| Andrews, TX | $69.8 m FY2026 · $8,990/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The National Bank of Andrews | $298,249,000 | 80.6% | 3 |
| American Momentum Bank | $71,678,000 | 19.4% | 1 |
Deposit concentration is 6,876 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 80.6² + 19.4² = 6,876
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 #
That is $8,990 per covered job, against 7,766 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $69.8 m / 7,766 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,990
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| 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 | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Andrews County, TX: 5 findings, 5 noted
noteAndrews County, TX's average weekly wage was 3.8% 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
- +3.8 % = 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
noteAndrews County, TX's covered employment was 0.1% 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
- +0.1 % = 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
noteAndrews County, TX's average weekly wage of $1,586 ranks 179th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Andrews County, TX is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering Andrews County, TX is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, 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.