Archer County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.62, -98.69.
Assembled 2026-10-19. Read the brief.
- 52nd pct · 1,451st of 3,063 US counties · median $230,451
- 63rd pct · 90th of 243 Texas counties · median $207,861
- 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.
- 77th pct · 690th of 3,062 US counties · median +2.9%
- 83rd pct · 41st of 243 Texas counties · median +0.1%
- 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.
- US counties: not published this period
- Texas counties: not published this period
- 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.
- 15th pct · 2,736th of 3,221 US counties · median 8,232
- 24th pct · 192nd 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.
- 43rd pct · 1,819th of 3,221 US counties · median $1,039
- 28th pct · 181st 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.
- 56th pct · 1,325th of 3,063 US counties · median 4.2
- 75th pct · 61st of 243 Texas counties · median 3.5
- 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 $239,118 (Sep 2026), +5.4% over one year, +10.8% over five
- 52nd pct · 1,451st of 3,063 US counties · median $230,451
- 63rd pct · 90th of 243 Texas counties · median $207,861
- 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 |
|---|---|---|
| Archer County, TX | $239,118 · +5.4% 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
- 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.
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 $1,324 a month on $239,118 at 7.40%, against an average weekly wage worth $4,381 a month: 30.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $239,118 × 80% = $191,294, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,324/mo principal and interest
- wage share = payment / (avg weekly wage $1,011 × 52 / 12 = $4,381) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $239,118 / ($1,011 × 52) = 4.5
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 #
1,871 jobs at 233 employers (2026 Q1); -2.5% jobs and +4.1% average weekly wage over the year
- 15th pct · 2,736th of 3,221 US counties · median 8,232
- 24th pct · 192nd 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 |
|---|---|---|
| Archer County, TX | 1,871 jobs · $1,011/wk · -2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 293 | $1,178 | 43.98 | +10.6% |
| Administrative and waste services | 156 | $666 | 1.47 | +3.3% |
| Transportation and warehousing | 129 | $1,317 | 1.64 | +72.0% |
| Manufacturing | 115 | $1,112 | 0.76 | +8.5% |
| Construction | 114 | $1,123 | 1.16 | -48.2% |
| Wholesale trade | 88 | $1,091 | 1.23 | -13.7% |
| Retail trade | 88 | $449 | 0.48 | -16.2% |
| Agriculture, forestry, fishing | 39 | $654 | 2.89 | -23.5% |
| Other services | 36 | $1,102 | 0.64 | -10.0% |
| Information | 33 | $986 | 0.96 | +6.5% |
| Finance and insurance | 27 | $1,321 | 0.35 | +0.0% |
| Utilities | 24 | $3,515 | 3.25 | -7.7% |
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 #
Surface water layer not loaded
Sites found: 22, 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 Kickapoo | 81 % full · 86k ac-ft | 10 km |
| Lake Arrowhead | 71 % full · 230k ac-ft | 34 km |
| North Fork Buffalo Creek Reservoir | 76 % full · 15k ac-ft | 42 km |
| Lake Kemp | 71 % full · 245k ac-ft | 46 km |
| Lake Graham | 67 % full · 45k ac-ft | 54 km |
| Lost Creek Reservoir | 88 % full · 12k ac-ft | 67 km |
| Millers Creek Reservoir | 63 % full · 27k ac-ft | 69 km |
| Lake Amon G Carter | 81 % full · 19k ac-ft | 78 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 #
Surface water layer not loaded
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 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 #
high (0.54)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.29 / 0.65
Banks & federal dollars #
$83.3 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,433, highly concentrated. $72.4 m federal obligations in FY2026 (direct payments $68.8 m, grants $3.3 m), $38,677 per covered job
| Item | Value | Distance |
|---|---|---|
| Pilgrim Bank | $48.6 m · 58.4% share · 2 offices | |
| American National Bank & Trust | $24.8 m · 29.7% share · 1 office | |
| First State Bank | $9.9 m · 11.9% share · 1 office | |
| Archer, TX | $72.4 m FY2026 · $38,677/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pilgrim Bank | $48,606,000 | 58.4% | 2 |
| American National Bank & Trust | $24,754,000 | 29.7% | 1 |
| First State Bank | $9,907,000 | 11.9% | 1 |
Deposit concentration is 4,433 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 58.4² + 29.7² + 11.9² = 4,433
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 $38,677 per covered job, against 1,871 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $72.4 m / 1,871 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,677
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 #
Archer County, TX: 6 findings, 1 at a watch level and 5 noted
watchArcher County, TX's covered employment is -2.5% 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 = -2.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteArcher County, TX's average weekly wage was 4.1% 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
- +4.1 % = 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
noteArcher County, TX's covered employment was 2.5% lower 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
- -2.5 % = 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
noteArcher County, TX's typical home value fell 0.7% from $240,731 in August 2026 to $239,118 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.7% = (239117.96850748218 - 240731.15841628634) / 240731.15841628634 × 100
- 239117.96850748218 = Zillow ZHVI, 2026-09
- 240731.15841628634 = Zillow ZHVI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Archer 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
Read all 6 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.