Lubbock County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.61, -101.82.
Assembled 2026-10-19. Read the brief.
- 43rd pct · 1,726th of 3,063 US counties · median $230,451
- 52nd pct · 116th of 243 Texas counties · median $207,861
- 100th pct · 1st of 6 counties in the Lubbock metro · median $143,594
- 45th pct · 1,682nd of 3,062 US counties · median +2.9%
- 71st pct · 69th of 243 Texas counties · median +0.1%
- 60th pct · 3rd of 6 counties in the Lubbock metro · median +2.2%
- 33rd pct · 905th of 1,358 US counties · median $1,506
- 35th pct · 64th of 98 Texas counties · median $1,449
- counties in the Lubbock metro: only 1 of counties in the Lubbock metro published this metric; fewer than 5 is too few to rank
- 93rd pct · 210th of 3,221 US counties · median 8,232
- 94th pct · 15th of 254 Texas counties · median 6,022
- 100th pct · 1st of 6 counties in the Lubbock metro · median 1,469
- 65th pct · 1,097th of 3,221 US counties · median $1,039
- 50th pct · 125th of 254 Texas counties · median $1,115
- 40th pct · 4th of 6 counties in the Lubbock metro · median $1,158
- 37th pct · 1,904th of 3,063 US counties · median 4.2
- 54th pct · 112th of 243 Texas counties · median 3.5
- 100th pct · 1st 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 $214,560 (Sep 2026), +2.5% over one year, +13.5% over five
- 43rd pct · 1,726th of 3,063 US counties · median $230,451
- 52nd pct · 116th of 243 Texas counties · median $207,861
- 100th pct · 1st of 6 counties in the Lubbock metro · median $143,594
| Item | Value | Distance |
|---|---|---|
| Lubbock County, TX | $214,560 · +2.5% 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 $1,330/mo (Sep 2026), +1.7% over one year; price-to-rent 13.4
- 33rd pct · 905th of 1,358 US counties · median $1,506
- 35th pct · 64th of 98 Texas counties · median $1,449
- counties in the Lubbock metro: only 1 of counties in the Lubbock metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Lubbock County, TX | $1,330/mo · +1.7% 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 $1,188 a month on $214,560 at 7.40%, against an average weekly wage worth $4,853 a month: 24.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $214,560 × 80% = $171,648, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,188/mo principal and interest
- wage share = payment / (avg weekly wage $1,120 × 52 / 12 = $4,853) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $214,560 / ($1,120 × 52) = 3.7
- price-to-rent = $214,560 / ($1,330 × 12) = 13.4
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 #
153,219 jobs at 8,251 employers (2026 Q1); +0.2% jobs and +3.9% average weekly wage over the year
- 93rd pct · 210th of 3,221 US counties · median 8,232
- 94th pct · 15th of 254 Texas counties · median 6,022
- 100th pct · 1st of 6 counties in the Lubbock metro · median 1,469
| Item | Value | Distance |
|---|---|---|
| Lubbock County, TX | 153,219 jobs · $1,120/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 22,022 | $1,258 | 0.96 | -1.3% |
| Accommodation and food services | 21,320 | $411 | 1.55 | +8.4% |
| Retail trade | 19,078 | $764 | 1.28 | -1.3% |
| Construction | 7,661 | $1,337 | 0.95 | -3.4% |
| Wholesale trade | 6,271 | $1,744 | 1.07 | +1.7% |
| Administrative and waste services | 6,128 | $820 | 0.70 | -1.3% |
| Professional and technical services | 5,497 | $1,479 | 0.52 | -1.2% |
| Transportation and warehousing | 5,292 | $1,105 | 0.82 | -3.4% |
| Manufacturing | 4,860 | $1,297 | 0.39 | -6.3% |
| Other services | 4,788 | $914 | 1.05 | +1.1% |
| Finance and insurance | 4,400 | $2,202 | 0.70 | -5.7% |
| Real estate and rental | 2,317 | $1,078 | 0.99 | -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: 4, 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 | 70 km |
| Lake Alan Henry | 74 % full · 96k ac-ft | 94 km |
| Mackenzie Reservoir | 11 % full · 46k ac-ft | 110 km |
| Lake J.B. Thomas | 21 % full · 200k ac-ft | 130 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 (0.44)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.66 / 0.65
Banks & federal dollars #
$13.1 bn in deposits at 103 offices of 28 banks (SOD June 2026); HHI 941, unconcentrated. $1.9 bn federal obligations in FY2026 (direct payments $1.6 bn, grants $282.8 m), $12,386 per covered job
| Item | Value | Distance |
|---|---|---|
| City Bank | $2.5 bn · 19.0% share · 8 offices | |
| PlainsCapital Bank | $2.0 bn · 15.3% share · 8 offices | |
| Prosperity Bank | $1.2 bn · 9.5% share · 18 offices | |
| Lubbock, TX | $1.9 bn FY2026 · $12,386/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| City Bank | $2,490,822,000 | 19.0% | 8 |
| PlainsCapital Bank | $2,009,735,000 | 15.3% | 8 |
| Prosperity Bank | $1,243,950,000 | 9.5% | 18 |
| Amarillo National Bank | $1,124,133,000 | 8.6% | 11 |
| Wells Fargo Bank, National Association | $906,244,000 | 6.9% | 5 |
| Cornerstone Capital Bank, SSB | $775,439,000 | 5.9% | 5 |
| American Bank of Commerce | $590,084,000 | 4.5% | 5 |
| UMB Bank, National Association | $547,700,000 | 4.2% | 5 |
| Bank of America, National Association | $537,061,000 | 4.1% | 2 |
| Centennial Bank | $417,223,000 | 3.2% | 5 |
Deposit concentration is 941 across 28 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 28 banks with deposits in the county = 19.0² + 15.3² + 9.5² + … (25 more) = 941
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 $12,386 per covered job, against 153,219 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.9 bn / 153,219 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,386
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 #
Lubbock County, TX: 10 findings, 10 noted
noteLubbock 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
noteLubbock County, TX's covered employment was 0.2% 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
- +0.2 % = 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
noteLubbock County, TX's typical home value of $214,560 ranks 1st of 6 counties in the Lubbock metro, against a median of $143,594.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Lubbock metro that published home.latest
position among the entities that published this metric this period; not an official level
noteLubbock County, TX's covered employment of 153,219 ranks 1st of 6 counties in the Lubbock metro, against a median of 1,469.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Lubbock metro that published jobs.emp
position among the entities that published this metric this period; not an official level
noteLubbock County, TX's years of wages of 3.7 ranks 1st of 6 counties in the Lubbock metro, against a median of 2.2.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Lubbock metro 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 10 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.