Kendall County, TX

Home values #

Typical home $587,336 (Sep 2026), -0.8% over one year, +9.6% over five

• 96th pct · 116th of 3,063 US counties · median $230,451
• 100th pct · 1st of 243 Texas counties · median $207,861
• 100th pct · 1st of 8 counties in the San Antonio-New Braunfels metro · median $322,764

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 $1,378/mo (Sep 2026), -2.1% over one year; price-to-rent 35.5

• 38th pct · 842nd of 1,358 US counties · median $1,506
• 41st pct · 58th of 98 Texas counties · median $1,449
• 28th pct · 6th of 8 counties in the San Antonio-New Braunfels metro · median $1,474

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 $3,253 a month on $587,336 at 7.40%, against an average weekly wage worth $5,330 a month: 61.0% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $587,336 × 80% = $469,869, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,253/mo principal and interest
• wage share = payment / (avg weekly wage $1,230 × 52 / 12 = $5,330) = 61% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $587,336 / ($1,230 × 52) = 9.2
• price-to-rent = $587,336 / ($1,378 × 12) = 35.5

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 #

20,309 jobs at 1,964 employers (2026 Q1); -0.5% jobs and +1.0% average weekly wage over the year

• 71st pct · 915th of 3,221 US counties · median 8,232
• 78th pct · 56th of 254 Texas counties · median 6,022
• 57th pct · 4th of 8 counties in the San Antonio-New Braunfels metro · median 17,217

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 #

89 % of conservation capacity, weighted over 10 TWDB reservoirs

Sites found: 17, 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.

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 #

92 gauges · 0 flooding · 13 with quality panels averaging 94 % · 18 stale

Sites found: 92, 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 #

33 wells in 2 named aquifers: Edwards-Trinity aquifer system, Other aquifers

Sites found: 33, 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 (0.16)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.11 + 0.2×0.06 / 0.85

Banks & federal dollars #

$2.0 bn in deposits at 17 offices of 14 banks (SOD June 2026); HHI 2,099, highly concentrated. $558.7 m federal obligations in FY2026 (direct payments $489.2 m, contracts $68.6 m), $27,512 per covered job

Deposit concentration is 2,099 across 14 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 14 banks with deposits in the county = 40.4² + 11.4² + 9.1² + … (11 more) = 2,099

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.

That is $27,512 per covered job, against 20,309 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $558.7 m / 20,309 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,512

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.

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 #

Kendall County, TX: 13 findings, 5 at a watch level and 8 noted

1. watchKendall County, TX's price-to-rent ratio is 35.5, a watch level here: typical home value worth 25 or more years of typical rent (typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; 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 2026-09.
   Show the arithmetic

   • test: priceToRent = 35.50773531987126 >= 25
   • typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month

   typical home value / (typical rent × 12), Zillow ZHVI over ZORI, same month; convention chosen for this dashboard, not an official level

2. watchKendall County, TX's price-to-rent ratio of 35.5 ranks 4th of 1,358 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 99.7789240972734 >= 90
   • typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month

   position among the counties that published both ZHVI and ZORI this month; not an official level

3. watchKendall County, TX's years of wages of 9.2 ranks 116th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 96.24428478118875 >= 90
   • typical home value / (average weekly wage × 52); one average covered job, not a household

   position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level

4. watchKendall County, TX's typical home value is -0.8% 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 = -0.7984678277486454 < 0

   arithmetic on Zillow ZHVI, county and metro files; not an official level

5. watchKendall County, TX's covered employment is -0.5% 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 = -0.5 < 0

   BLS QCEW over-the-year percent change, as published; 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.