Delta County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.39, -95.67.
Assembled 2026-10-19. Read the brief.
- 38th pct · 1,869th of 3,063 US counties · median $230,451
- 45th pct · 133rd of 243 Texas counties · median $207,861
- 22nd pct · 2,388th of 3,062 US counties · median +2.9%
- 50th pct · 122nd of 243 Texas counties · median +0.1%
- US counties: not published this period
- Texas counties: not published this period
- 6th pct · 3,008th of 3,221 US counties · median 8,232
- 11th pct · 224th of 254 Texas counties · median 6,022
- 14th pct · 2,758th of 3,221 US counties · median $1,039
- 6th pct · 237th of 254 Texas counties · median $1,115
- 55th pct · 1,375th of 3,063 US counties · median 4.2
- 73rd pct · 64th 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 $201,862 (Sep 2026), +0.1% over one year, +15.7% over five
- 38th pct · 1,869th of 3,063 US counties · median $230,451
- 45th pct · 133rd of 243 Texas counties · median $207,861
| Item | Value | Distance |
|---|---|---|
| Delta County, TX | $201,862 · +0.1% 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 $1,118 a month on $201,862 at 7.40%, against an average weekly wage worth $3,770 a month: 29.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $201,862 × 80% = $161,489, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,118/mo principal and interest
- wage share = payment / (avg weekly wage $870 × 52 / 12 = $3,770) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $201,862 / ($870 × 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 #
988 jobs at 111 employers (2026 Q1); +0.6% jobs and +6.4% average weekly wage over the year
- 6th pct · 3,008th of 3,221 US counties · median 8,232
- 11th pct · 224th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Delta County, TX | 988 jobs · $870/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 66 | $1,070 | 1.27 | +0.0% |
| Wholesale trade | 39 | $1,485 | 1.03 | +550.0% |
| Retail trade | 32 | $570 | 0.33 | -11.1% |
| Accommodation and food services | 31 | $463 | 0.35 | -16.2% |
| Administrative and waste services | 25 | $1,012 | 0.45 | -10.7% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | 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 #
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: 28, 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 |
|---|---|---|
| Cooper (Chapman) Lake | 66 % full · 259k ac-ft | 7 km |
| Lake Sulphur Springs | 84 % full · 18k ac-ft | 24 km |
| Lake Crook | 83 % full · 9k ac-ft | 39 km |
| Bois d'Arc Lake | 88 % full · 368k ac-ft | 45 km |
| Pat Mayse Lake | 89 % full · 114k ac-ft | 53 km |
| Lake Bonham | 76 % full · 11k ac-ft | 54 km |
| Lake Cypress Springs | 88 % full · 67k ac-ft | 60 km |
| Lake Fork Reservoir | 80 % full · 606k ac-ft | 65 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 #
moderate (0.47)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.13 / 0.65
Banks & federal dollars #
$85.7 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,126, highly concentrated. $39.9 m federal obligations in FY2026 (direct payments $36.8 m, grants $3.1 m), $40,420 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank in Cooper | $49.7 m · 57.9% share · 1 office | |
| Legend Bank, N.A. | $36.1 m · 42.1% share · 1 office | |
| Delta, TX | $39.9 m FY2026 · $40,420/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank in Cooper | $49,676,000 | 57.9% | 1 |
| Legend Bank, N.A. | $36,065,000 | 42.1% | 1 |
Deposit concentration is 5,126 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 = 57.9² + 42.1² = 5,126
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 $40,420 per covered job, against 988 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $39.9 m / 988 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,420
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 #
Delta County, TX: 6 findings, 6 noted
noteDelta County, TX's average weekly wage was 6.4% 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
- +6.4 % = 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
noteDelta County, TX's covered employment was 0.6% 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
- +0.6 % = 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
noteDelta County, TX's covered employment of 988 ranks 3,008th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteDelta County, TX's average weekly wage of $870 ranks 237th of 254 Texas counties, against a median of $1,115.
Period 2026 Q1.Show the arithmetic
- 7 on the 0-to-100 scale across 254 Texas 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 Delta 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.