Navarro County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.05, -96.48.
Assembled 2026-10-19. Read the brief.
- 48th pct · 1,580th of 3,063 US counties · median $230,451
- 59th pct · 100th of 243 Texas counties · median $207,861
- 36th pct · 1,932nd of 3,062 US counties · median +2.9%
- 66th pct · 83rd of 243 Texas counties · median +0.1%
- 36th pct · 866th of 1,358 US counties · median $1,506
- 38th pct · 61st of 98 Texas counties · median $1,449
- 67th pct · 1,063rd of 3,221 US counties · median 8,232
- 73rd pct · 68th of 254 Texas counties · median 6,022
- 44th pct · 1,791st of 3,221 US counties · median $1,039
- 29th pct · 179th of 254 Texas counties · median $1,115
- 52nd pct · 1,465th of 3,063 US counties · median 4.2
- 68th pct · 77th 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 $227,542 (Sep 2026), +1.7% over one year, +22.5% over five
- 48th pct · 1,580th of 3,063 US counties · median $230,451
- 59th pct · 100th of 243 Texas counties · median $207,861
| Item | Value | Distance |
|---|---|---|
| Navarro County, TX | $227,542 · +1.7% 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 $1,354/mo (Sep 2026), +3.6% over one year; price-to-rent 14.0
- 36th pct · 866th of 1,358 US counties · median $1,506
- 38th pct · 61st of 98 Texas counties · median $1,449
| Item | Value | Distance |
|---|---|---|
| Navarro County, TX | $1,354/mo · +3.6% 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 $1,260 a month on $227,542 at 7.40%, against an average weekly wage worth $4,398 a month: 28.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $227,542 × 80% = $182,033, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,260/mo principal and interest
- wage share = payment / (avg weekly wage $1,015 × 52 / 12 = $4,398) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $227,542 / ($1,015 × 52) = 4.3
- price-to-rent = $227,542 / ($1,354 × 12) = 14.0
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 #
16,531 jobs at 1,017 employers (2026 Q1); -2.0% jobs and +5.2% average weekly wage over the year
- 67th pct · 1,063rd of 3,221 US counties · median 8,232
- 73rd pct · 68th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Navarro County, TX | 16,531 jobs · $1,015/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,835 | $1,255 | 2.13 | -7.1% |
| Retail trade | 2,087 | $730 | 1.30 | -2.3% |
| Accommodation and food services | 1,525 | $395 | 1.03 | +0.9% |
| Construction | 1,354 | $1,272 | 1.56 | -9.7% |
| Transportation and warehousing | 749 | $1,394 | 1.08 | +25.3% |
| Wholesale trade | 543 | $1,261 | 0.86 | -5.7% |
| Finance and insurance | 406 | $1,314 | 0.60 | -7.3% |
| Administrative and waste services | 345 | $924 | 0.37 | -11.5% |
| Other services | 242 | $816 | 0.49 | +0.0% |
| Arts, entertainment and recreation | 209 | $299 | 0.77 | +12.4% |
| Agriculture, forestry, fishing | 202 | $734 | 1.69 | -16.5% |
| Real estate and rental | 194 | $1,566 | 0.77 | +0.5% |
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 #
86 % of conservation capacity, weighted over 35 TWDB reservoirs
Sites found: 42, 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 |
|---|---|---|
| Halbert Lake | 76 % full · 6k ac-ft | 6 km |
| Navarro Mills Lake | 80 % full · 50k ac-ft | 22 km |
| Richland-Chambers Reservoir | 90 % full · 1,099k ac-ft | 25 km |
| Richland-Chambers Res nr Kerens, TX | 1,015,000 Acre-ft (USGS, no capacity on file) | 25 km |
| Bardwell Lake | 86 % full · 44k ac-ft | 28 km |
| Cedar Creek Reservoir | 73 % full · 645k ac-ft | 38 km |
| Cedar Ck Res nr Trinidad, TX | 454,500 Acre-ft (USGS, no capacity on file) | 38 km |
| Lake Waxahachie | 75 % full · 11k ac-ft | 45 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 #
26 gauges · 0 flooding · 1 with quality panels averaging 100 % · 3 stale
Sites found: 26, 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.
| Site | Reading | Distance |
|---|---|---|
| Richland Ck at CR 0030 nr Richland, TX | flow 0.38 ft³/s | 9 km |
| Chambers Ck nr Rice, TX | flow 0.39 ft³/s | 17 km |
| Richland Ck nr Dawson, TX | flow 3.06 ft³/s | 23 km |
| Waxahachie Ck nr Bardwell, TX | flow 0.36 ft³/s | 27 km |
| Tehuacana Ck nr Streetman, TX | flow 0.00 ft³/s | 28 km |
| Chambers Ck at FM 55 nr Avalon, TX | flow 0.49 ft³/s | 30 km |
| Trinity Rv at W Cedar Creek Pkwy nr Rosser, TX | flow 827.0 ft³/s | 32 km |
| Trinity Rv at Trinidad, TX | flow 1,040 ft³/s | 37 km |
| White Rk Ck at FM 308 nr Irene, TX | flow 466.0 ft³/s | 38 km |
| Richland Ck at Hwy 22 nr Mertens, TX | flow 309.0 ft³/s · STALE | 40 km |
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 (0.15)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.14 + 0.2×0.00 / 0.85
Banks & federal dollars #
$1.1 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 2,276, highly concentrated. $318.5 m federal obligations in FY2026 (direct payments $311.9 m, grants $6.0 m), $19,268 per covered job
| Item | Value | Distance |
|---|---|---|
| Community National Bank & Trust of Texas | $422.5 m · 38.1% share · 3 offices | |
| VeraBank, National Association | $240.5 m · 21.7% share · 2 offices | |
| Prosperity Bank | $137.5 m · 12.4% share · 3 offices | |
| Navarro, TX | $318.5 m FY2026 · $19,268/job | |
| MULTIPLE RECIPIENTS | $289.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community National Bank & Trust of Texas | $422,481,000 | 38.1% | 3 |
| VeraBank, National Association | $240,484,000 | 21.7% | 2 |
| Prosperity Bank | $137,537,000 | 12.4% | 3 |
| JPMorgan Chase Bank, National Association | $136,479,000 | 12.3% | 1 |
| City National Bank | $52,460,000 | 4.7% | 1 |
| Harmony Bank | $38,821,000 | 3.5% | 1 |
| The Huntington National Bank | $30,622,000 | 2.8% | 1 |
| Producer Bank of Texas | $29,232,000 | 2.6% | 1 |
| First State Bank | $12,093,000 | 1.1% | 1 |
| Woodforest National Bank | $9,129,000 | 0.8% | 1 |
Deposit concentration is 2,276 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 38.1² + 21.7² + 12.4² + … (7 more) = 2,276
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 | $247,984,119 |
| Department of Veterans Affairs | $39,341,572 |
| Department of Education | $13,239,771 |
| Department of Housing and Urban Development | $5,092,338 |
| Department of Agriculture | $4,946,656 |
| Department of Transportation | $3,562,877 |
| Railroad Retirement Board | $2,286,366 |
| Federal Communications Commission | $919,000 |
| Department of Health and Human Services | $759,687 |
| Department of Justice | $250,281 |
| Department of Defense | $150,723 |
| Small Business Administration | $0 |
That is $19,268 per covered job, against 16,531 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $318.5 m / 16,531 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,268
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 #
Navarro County, TX: 7 findings, 1 at a watch level and 6 noted
watchNavarro County, TX's covered employment is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteNavarro County, TX's average weekly wage was 5.2% 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
- +5.2 % = 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
noteNavarro County, TX's covered employment was 2.0% lower 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
- -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
noteNavarro County, TX's typical asking rent rose 0.3% from $1,350 in August 2026 to $1,354 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (1353.9166666666667 - 1349.8181853951755) / 1349.8181853951755 × 100
- 1353.9166666666667 = Zillow ZORI, 2026-09
- 1349.8181853951755 = Zillow ZORI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Navarro 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 7 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.