Crosby County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.61, -101.30.
Assembled 2026-10-19. Read the brief.
- 1st pct · 3,023rd of 3,063 US counties · median $230,451
- 2nd pct · 236th of 243 Texas counties · median $207,861
- 20th pct · 5th of 6 counties in the Lubbock metro · median $143,594
- 51st pct · 1,474th of 3,062 US counties · median +2.9%
- 75th pct · 61st of 243 Texas counties · median +0.1%
- 80th pct · 2nd of 6 counties in the Lubbock metro · median +2.2%
- US counties: not published this period
- Texas counties: not published this period
- counties in the Lubbock metro: not published this period
- 6th pct · 3,011th of 3,221 US counties · median 8,232
- 11th pct · 226th of 254 Texas counties · median 6,022
- 20th pct · 5th of 6 counties in the Lubbock metro · median 1,469
- 22nd pct · 2,507th of 3,221 US counties · median $1,039
- 12th pct · 222nd of 254 Texas counties · median $1,115
- 0th pct · 6th of 6 counties in the Lubbock metro · median $1,158
- 2nd pct · 2,981st of 3,063 US counties · median 4.2
- 9th pct · 220th of 243 Texas counties · median 3.5
- 20th pct · 5th of 6 counties in the Lubbock metro · median 2.2
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 $85,807 (Sep 2026), +3.0% over one year, -13.4% over five
- 1st pct · 3,023rd of 3,063 US counties · median $230,451
- 2nd pct · 236th of 243 Texas counties · median $207,861
- 20th pct · 5th of 6 counties in the Lubbock metro · median $143,594
| Item | Value | Distance |
|---|---|---|
| Crosby County, TX | $85,807 · +3.0% 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 Lubbock metro: 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 $475 a month on $85,807 at 7.40%, against an average weekly wage worth $3,965 a month: 12.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $85,807 × 80% = $68,646, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $475/mo principal and interest
- wage share = payment / (avg weekly wage $915 × 52 / 12 = $3,965) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $85,807 / ($915 × 52) = 1.8
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 #
985 jobs at 166 employers (2026 Q1); -4.2% jobs and +6.0% average weekly wage over the year
- 6th pct · 3,011th of 3,221 US counties · median 8,232
- 11th pct · 226th of 254 Texas counties · median 6,022
- 20th pct · 5th of 6 counties in the Lubbock metro · median 1,469
| Item | Value | Distance |
|---|---|---|
| Crosby County, TX | 985 jobs · $915/wk · -4.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 156 | $689 | 1.63 | +4.0% |
| Health care and social assistance | 97 | $705 | 0.65 | +0.0% |
| Wholesale trade | 72 | $1,246 | 1.91 | +1.4% |
| Professional and technical services | 18 | $1,403 | 0.26 | -21.7% |
| Administrative and waste services | 17 | $793 | 0.30 | -15.0% |
| Other services | 8 | $342 | 0.27 | -11.1% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | 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 #
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 #
35 % of conservation capacity, weighted over 5 TWDB reservoirs
Sites found: 6, 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 |
|---|---|---|
| White River Reservoir | 28 % full · 32k ac-ft | 26 km |
| Lake Alan Henry | 74 % full · 96k ac-ft | 65 km |
| Mackenzie Reservoir | 11 % full · 46k ac-ft | 105 km |
| USGS-08118000 | 41,790 Acre-ft (USGS, no capacity on file) | 114 km |
| Lake J.B. Thomas | 21 % full · 200k ac-ft | 114 km |
| Lake Colorado City | 53 % full · 31k ac-ft | 145 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 #
8 gauges · 0 flooding · 0 with quality panels · 3 stale
Sites found: 8, 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 |
|---|---|---|
| Salt Fork - Brazos River at White River Lake | no readings | 26 km |
| USGS-08079510 | flow 13.2 ft³/s · no flooding | 46 km |
| USGS-08079503 | stage 6.54 ft · STALE | 47 km |
| USGS-08079513 | stage 2.60 ft · STALE | 48 km |
| USGS-08079493 | stage 2.76 ft · STALE | 55 km |
| USGS-08079600 | flow 19.5 ft³/s · no flooding | 64 km |
| Brazos River at Lake Alan Henry | no readings | 65 km |
| USGS-08080700 | flow 0.00 ft³/s · no flooding | 74 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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 |
|---|---|---|
| USGS-334953101503701 | depth 195.6 ft · 2000-09-29 | 56 km |
| USGS-334945101505201 | depth 177.5 ft · 2005-09-29 | 56 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 (0.57)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.65 / 0.65
Banks & federal dollars #
$149.3 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,498, highly concentrated. $58.2 m federal obligations in FY2026 (direct payments $57.6 m, grants $586,253), $59,065 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens National Bank of Crosbyton | $64.0 m · 42.9% share · 1 office | |
| First United Bank | $48.2 m · 32.3% share · 1 office | |
| Cornerstone Capital Bank, SSB | $37.1 m · 24.8% share · 1 office | |
| Crosby, TX | $58.2 m FY2026 · $59,065/job | |
| MULTIPLE RECIPIENTS | $29.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens National Bank of Crosbyton | $64,049,000 | 42.9% | 1 |
| First United Bank | $48,185,000 | 32.3% | 1 |
| Cornerstone Capital Bank, SSB | $37,066,000 | 24.8% | 1 |
Deposit concentration is 3,498 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 = 42.9² + 32.3² + 24.8² = 3,498
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 |
|---|---|
| Department of Agriculture | $27,938,236 |
| Social Security Administration | $26,578,768 |
| Department of Veterans Affairs | $2,409,336 |
| Federal Communications Commission | $561,514 |
| Department of Housing and Urban Development | $553,402 |
| Railroad Retirement Board | $104,634 |
| Department of Education | $32,851 |
That is $59,065 per covered job, against 985 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $58.2 m / 985 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $59,065
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 #
Crosby County, TX: 13 findings, 1 at an alert level, 1 at a watch level and 11 noted
alertCrosby County, TX's covered employment is -4.2% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -4.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchCrosby County, TX's covered employment is -4.2% 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 = -4.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCrosby County, TX's average weekly wage was 6.0% 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
- +6 % = 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
noteCrosby County, TX's covered employment was 4.2% 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
- -4.2 % = 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
noteCrosby County, TX's average weekly wage of $915 ranks 6th of 6 counties in the Lubbock metro, against a median of $1,158.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 6 counties in the Lubbock metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 12 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.