Hood County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.43, -97.83.
Assembled 2026-10-19. Read the brief.
- 83rd pct · 502nd of 3,063 US counties · median $230,451
- 93rd pct · 17th of 243 Texas counties · median $207,861
- 23rd pct · 2,357th of 3,062 US counties · median +2.9%
- 51st pct · 118th of 243 Texas counties · median +0.1%
- 54th pct · 613th of 1,358 US counties · median $1,506
- 65th pct · 34th of 98 Texas counties · median $1,449
- 69th pct · 978th of 3,221 US counties · median 8,232
- 75th pct · 62nd of 254 Texas counties · median 6,022
- 49th pct · 1,637th of 3,221 US counties · median $1,039
- 33rd pct · 168th of 254 Texas counties · median $1,115
- 88th pct · 341st of 3,063 US counties · median 4.2
- 96th pct · 10th 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 $379,202 (Sep 2026), +0.2% over one year, +10.7% over five
- 83rd pct · 502nd of 3,063 US counties · median $230,451
- 93rd pct · 17th of 243 Texas counties · median $207,861
| Item | Value | Distance |
|---|---|---|
| Hood County, TX | $379,202 · +0.2% 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 #
Typical rent $1,571/mo (Sep 2026), +0.9% over one year; price-to-rent 20.1
- 54th pct · 613th of 1,358 US counties · median $1,506
- 65th pct · 34th of 98 Texas counties · median $1,449
| Item | Value | Distance |
|---|---|---|
| Hood County, TX | $1,571/mo · +0.9% 1-yr |
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 $2,100 a month on $379,202 at 7.40%, against an average weekly wage worth $4,485 a month: 46.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $379,202 × 80% = $303,362, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,100/mo principal and interest
- wage share = payment / (avg weekly wage $1,035 × 52 / 12 = $4,485) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $379,202 / ($1,035 × 52) = 7.0
- price-to-rent = $379,202 / ($1,571 × 12) = 20.1
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 #
18,631 jobs at 1,730 employers (2026 Q1); +0.7% jobs and +3.4% average weekly wage over the year
- 69th pct · 978th of 3,221 US counties · median 8,232
- 75th pct · 62nd of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Hood County, TX | 18,631 jobs · $1,035/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,074 | $753 | 1.69 | -2.3% |
| Health care and social assistance | 2,552 | $1,163 | 0.91 | +1.9% |
| Accommodation and food services | 2,203 | $418 | 1.32 | -6.0% |
| Construction | 1,599 | $1,354 | 1.64 | +11.7% |
| Manufacturing | 1,324 | $1,242 | 0.88 | +2.4% |
| Administrative and waste services | 884 | $920 | 0.83 | +3.0% |
| Professional and technical services | 738 | $1,608 | 0.57 | -1.1% |
| Other services | 616 | $826 | 1.11 | -1.6% |
| Mining, oil and gas | 559 | $1,777 | 8.43 | +0.0% |
| Finance and insurance | 505 | $1,453 | 0.67 | +3.9% |
| Arts, entertainment and recreation | 478 | $571 | 1.56 | +6.7% |
| Wholesale trade | 343 | $1,638 | 0.48 | -8.0% |
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 #
Surface water layer not loaded
Sites found: 34, 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 Granbury | 88 % full · 133k ac-ft | 15 km |
| Comanche Creek Reservoir | 100 % full · 151k ac-ft | 15 km |
| Lake Weatherford | 60 % full · 18k ac-ft | 41 km |
| Lake Pat Cleburne | 88 % full · 26k ac-ft | 42 km |
| Benbrook Lake | 74 % full · 86k ac-ft | 43 km |
| Lake Mineral Wells | 85 % full · 5k ac-ft | 47 km |
| Lake Palo Pinto | 79 % full · 27k ac-ft | 48 km |
| Lake Worth | 67 % full · 24k ac-ft | 56 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 (0.35)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.17 / 0.65
Banks & federal dollars #
$1.8 bn in deposits at 22 offices of 13 banks (SOD June 2026); HHI 2,433, highly concentrated. $596.5 m federal obligations in FY2026 (direct payments $584.9 m, grants $9.2 m), $32,016 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of Granbury | $793.9 m · 43.6% share · 7 offices | |
| First Financial Bank | $290.9 m · 16.0% share · 3 offices | |
| JPMorgan Chase Bank, National Association | $231.7 m · 12.7% share · 1 office | |
| Hood, TX | $596.5 m FY2026 · $32,016/job | |
| MULTIPLE RECIPIENTS | $581.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of Granbury | $793,876,000 | 43.6% | 7 |
| First Financial Bank | $290,943,000 | 16.0% | 3 |
| JPMorgan Chase Bank, National Association | $231,718,000 | 12.7% | 1 |
| PNC Bank, National Association | $112,991,000 | 6.2% | 1 |
| SouthState Bank, National Association | $99,140,000 | 5.4% | 2 |
| PlainsCapital Bank | $94,394,000 | 5.2% | 1 |
| Pinnacle Bank | $52,306,000 | 2.9% | 1 |
| Southside Bank | $43,468,000 | 2.4% | 1 |
| Prosperity Bank | $29,810,000 | 1.6% | 1 |
| InterBank | $25,533,000 | 1.4% | 1 |
Deposit concentration is 2,433 across 13 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 43.6² + 16.0² + 12.7² + … (10 more) = 2,433
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 #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $492,561,334 |
| Department of Veterans Affairs | $82,859,185 |
| Railroad Retirement Board | $7,004,021 |
| Department of Health and Human Services | $4,743,242 |
| Department of Transportation | $3,940,227 |
| Department of Agriculture | $2,334,306 |
| Department of Defense | $1,634,937 |
| Federal Communications Commission | $864,776 |
| Department of Housing and Urban Development | $486,175 |
| Department of Education | $62,532 |
| Small Business Administration | $0 |
That is $32,016 per covered job, against 18,631 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $596.5 m / 18,631 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,016
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 #
Hood County, TX: 9 findings, 9 noted
noteHood County, TX's average weekly wage was 3.4% 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
- +3.4 % = 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
noteHood County, TX's typical asking rent fell 0.8% from $1,584 in August 2026 to $1,571 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.8% = (1570.8650793650795 - 1584.1628727954717) / 1584.1628727954717 × 100
- 1570.8650793650795 = Zillow ZORI, 2026-09
- 1584.1628727954717 = Zillow ZORI, 2026-08
noteHood County, TX's covered employment was 0.7% 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
- +0.7 % = 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
noteHood County, TX's typical home value rose 0.3% from $378,025 in August 2026 to $379,202 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (379202.3993147127 - 378024.51423138095) / 378024.51423138095 × 100
- 379202.3993147127 = Zillow ZHVI, 2026-09
- 378024.51423138095 = Zillow ZHVI, 2026-08
noteHood County, TX's years of wages of 7.0 ranks 10th of 243 Texas counties, against a median of 3.5.
Period 2026-09.Show the arithmetic
- 96 on the 0-to-100 scale across 243 Texas counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
Read all 9 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.