Johnson County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.38, -97.36.
Assembled 2026-10-20. Read the brief.
- 77th pct · 687th of 3,063 US counties · median $230,451
- 86th pct · 34th of 243 Texas counties · median $207,861
- 40th pct · 7th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
- 13th pct · 2,635th of 3,062 US counties · median +2.9%
- 37th pct · 152nd of 243 Texas counties · median +0.1%
- 60th pct · 5th of 11 counties in the Dallas-Fort Worth-Arlington metro · median -1.6%
- 56th pct · 593rd of 1,358 US counties · median $1,506
- 72nd pct · 28th of 98 Texas counties · median $1,449
- 20th pct · 9th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
- 86th pct · 439th of 3,221 US counties · median 8,232
- 87th pct · 32nd of 254 Texas counties · median 6,022
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
- 71st pct · 916th of 3,221 US counties · median $1,039
- 59th pct · 104th of 254 Texas counties · median $1,115
- 30th pct · 8th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,215
- 74th pct · 788th of 3,063 US counties · median 4.2
- 85th pct · 37th of 243 Texas counties · median 3.5
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 5.6
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 $336,224 (Sep 2026), -1.1% over one year, +12.2% over five
- 77th pct · 687th of 3,063 US counties · median $230,451
- 86th pct · 34th of 243 Texas counties · median $207,861
- 40th pct · 7th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
| Item | Value | Distance |
|---|---|---|
| Johnson County, TX | $336,224 · -1.1% 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 #
Typical rent $1,585/mo (Sep 2026), +4.1% over one year; price-to-rent 17.7
- 56th pct · 593rd of 1,358 US counties · median $1,506
- 72nd pct · 28th of 98 Texas counties · median $1,449
- 20th pct · 9th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
| Item | Value | Distance |
|---|---|---|
| Johnson County, TX | $1,585/mo · +4.1% 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 $1,862 a month on $336,224 at 7.40%, against an average weekly wage worth $5,031 a month: 37.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $336,224 × 80% = $268,979, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,862/mo principal and interest
- wage share = payment / (avg weekly wage $1,161 × 52 / 12 = $5,031) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $336,224 / ($1,161 × 52) = 5.6
- price-to-rent = $336,224 / ($1,585 × 12) = 17.7
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 #
61,348 jobs at 4,167 employers (2026 Q1); +1.3% jobs and +3.9% average weekly wage over the year
- 86th pct · 439th of 3,221 US counties · median 8,232
- 87th pct · 32nd of 254 Texas counties · median 6,022
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
| Item | Value | Distance |
|---|---|---|
| Johnson County, TX | 61,348 jobs · $1,161/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 8,510 | $1,486 | 1.72 | -3.7% |
| Construction | 8,290 | $1,475 | 2.58 | +21.1% |
| Retail trade | 7,107 | $865 | 1.19 | +0.4% |
| Accommodation and food services | 6,344 | $400 | 1.15 | +9.2% |
| Health care and social assistance | 4,909 | $1,096 | 0.53 | -0.6% |
| Transportation and warehousing | 3,943 | $1,305 | 1.52 | -1.7% |
| Administrative and waste services | 2,382 | $1,182 | 0.68 | -2.7% |
| Wholesale trade | 2,245 | $1,515 | 0.96 | +3.1% |
| Other services | 2,158 | $832 | 1.18 | +4.8% |
| Professional and technical services | 1,470 | $1,522 | 0.35 | +1.9% |
| Finance and insurance | 989 | $1,519 | 0.40 | +10.1% |
| Real estate and rental | 804 | $1,371 | 0.85 | +6.9% |
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 #
D1 moderate 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: 36, 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 Pat Cleburne | 88 % full · 26k ac-ft | 11 km |
| Lake Granbury | 88 % full · 133k ac-ft | 30 km |
| Benbrook Lake | 74 % full · 86k ac-ft | 31 km |
| Comanche Creek Reservoir | 100 % full · 151k ac-ft | 41 km |
| Lake Arlington | 82 % full · 40k ac-ft | 41 km |
| Joe Pool Lake | 92 % full · 150k ac-ft | 45 km |
| Lake Worth | 67 % full · 24k ac-ft | 46 km |
| Lake Weatherford | 60 % full · 18k ac-ft | 52 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 #
low (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.14 / 0.65
Banks & federal dollars #
$3.1 bn in deposits at 35 offices of 18 banks (SOD June 2026); HHI 1,313, moderately concentrated. $1.1 bn federal obligations in FY2026 (direct payments $1.1 bn, grants $31.2 m), $18,625 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $582.6 m · 18.7% share · 5 offices | |
| Wells Fargo Bank, National Association | $550.6 m · 17.6% share · 4 offices | |
| Grandview Bank | $549.5 m · 17.6% share · 4 offices | |
| Johnson, TX | $1.1 bn FY2026 · $18,625/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $582,599,000 | 18.7% | 5 |
| Wells Fargo Bank, National Association | $550,576,000 | 17.6% | 4 |
| Grandview Bank | $549,457,000 | 17.6% | 4 |
| Pinnacle Bank | $480,200,000 | 15.4% | 6 |
| SouthState Bank, National Association | $188,506,000 | 6.0% | 2 |
| JPMorgan Chase Bank, National Association | $157,313,000 | 5.0% | 1 |
| NBT Financial Bank | $116,485,000 | 3.7% | 1 |
| The American National Bank of Texas | $93,295,000 | 3.0% | 1 |
| Citizens National Bank of Texas | $71,852,000 | 2.3% | 2 |
| Austin County State Bank | $61,418,000 | 2.0% | 1 |
Deposit concentration is 1,313 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 18.7² + 17.6² + 17.6² + … (15 more) = 1,313
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 $18,625 per covered job, against 61,348 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 61,348 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,625
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Johnson County, TX: 6 findings, 1 at a watch level and 5 noted
watchJohnson County, TX's typical home value is -1.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: home.yoyPct = -1.1170872577305624 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteJohnson County, TX's average weekly wage was 3.9% 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
- +3.9 % = 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
noteJohnson County, TX's covered employment was 1.3% 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
- +1.3 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Johnson 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 Johnson 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
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.