Tyler County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 30.77, -94.38.
Assembled 2026-10-19. Read the brief.
- 26th pct · 2,260th of 3,063 US counties · median $230,451
- 35th pct · 158th of 243 Texas counties · median $207,861
- 43rd pct · 1,724th of 3,062 US counties · median +2.9%
- 71st pct · 71st of 243 Texas counties · median +0.1%
- US counties: not published this period
- Texas counties: not published this period
- 32nd pct · 2,184th of 3,221 US counties · median 8,232
- 42nd pct · 147th of 254 Texas counties · median 6,022
- 42nd pct · 1,864th of 3,221 US counties · median $1,039
- 28th pct · 183rd of 254 Texas counties · median $1,115
- 28th pct · 2,181st of 3,063 US counties · median 4.2
- 45th pct · 133rd 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 $172,727 (Sep 2026), +2.4% over one year, -2.0% over five
- 26th pct · 2,260th of 3,063 US counties · median $230,451
- 35th pct · 158th of 243 Texas counties · median $207,861
| Item | Value | Distance |
|---|---|---|
| Tyler County, TX | $172,727 · +2.4% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Texas counties: not published this period
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 $957 a month on $172,727 at 7.40%, against an average weekly wage worth $4,351 a month: 22.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $172,727 × 80% = $138,181, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $957/mo principal and interest
- wage share = payment / (avg weekly wage $1,004 × 52 / 12 = $4,351) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $172,727 / ($1,004 × 52) = 3.3
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 #
4,091 jobs at 332 employers (2026 Q1); -0.7% jobs and +4.8% average weekly wage over the year
- 32nd pct · 2,184th of 3,221 US counties · median 8,232
- 42nd pct · 147th of 254 Texas counties · median 6,022
| Item | Value | Distance |
|---|---|---|
| Tyler County, TX | 4,091 jobs · $1,004/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 569 | $692 | 1.43 | +5.2% |
| Administrative and waste services | 191 | $953 | 0.82 | +2.1% |
| Finance and insurance | 153 | $2,121 | 0.92 | -6.1% |
| Professional and technical services | 153 | $1,167 | 0.54 | +0.0% |
| Manufacturing | 151 | $1,244 | 0.46 | -4.4% |
| Agriculture, forestry, fishing | 130 | $1,122 | 4.40 | -3.0% |
| Construction | 91 | $1,329 | 0.42 | -17.3% |
| Transportation and warehousing | 83 | $1,180 | 0.48 | -33.6% |
| Mining, oil and gas | 75 | $1,860 | 5.15 | +0.0% |
| Real estate and rental | 67 | $847 | 1.07 | +28.8% |
| Wholesale trade | 55 | $1,564 | 0.35 | -20.3% |
| Utilities | 41 | $2,048 | 2.54 | +17.1% |
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: 10, 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 |
|---|---|---|
| B. A. Steinhagen Lake | 94 % full · 69k ac-ft | 19 km |
| Sam Rayburn Reservoir | 62 % full · 2,857k ac-ft | 41 km |
| Livingston Reservoir | 92 % full · 1,604k ac-ft | 63 km |
| Toledo Bend Reservoir | 85 % full · 2,236k ac-ft | 90 km |
| Lake Nacogdoches | 84 % full · 40k ac-ft | 101 km |
| Lake Houston | 98 % full · 132k ac-ft | 120 km |
| Lake Conroe | 93 % full · 418k ac-ft | 122 km |
| Houston County Lake | 94 % full · 17k ac-ft | 137 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 (0.23)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.21 / 0.65
Banks & federal dollars #
$277.5 m in deposits at 7 offices of 5 banks (SOD June 2026); HHI 3,816, highly concentrated. $144.7 m federal obligations in FY2026 (direct payments $142.3 m, contracts $1.9 m), $35,373 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens State Bank | $160.2 m · 57.7% share · 3 offices | |
| Stellar Bank | $36.0 m · 13.0% share · 1 office | |
| First State Bank of Livingston | $33.8 m · 12.2% share · 1 office | |
| Tyler, TX | $144.7 m FY2026 · $35,373/job | |
| MULTIPLE RECIPIENTS | $141.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens State Bank | $160,195,000 | 57.7% | 3 |
| Stellar Bank | $36,040,000 | 13.0% | 1 |
| First State Bank of Livingston | $33,832,000 | 12.2% | 1 |
| PNC Bank, National Association | $32,808,000 | 11.8% | 1 |
| BOM Bank | $14,663,000 | 5.3% | 1 |
Deposit concentration is 3,816 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 57.7² + 13.0² + 12.2² + … (2 more) = 3,816
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 | $121,470,553 |
| Department of Veterans Affairs | $19,090,737 |
| Department of Defense | $1,886,441 |
| Railroad Retirement Board | $1,291,836 |
| Federal Communications Commission | $422,931 |
| Department of Housing and Urban Development | $409,922 |
| Department of Agriculture | $106,124 |
| Department of Education | $76,478 |
| Small Business Administration | $0 |
| Department of Transportation | -$43,967 |
That is $35,373 per covered job, against 4,091 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $144.7 m / 4,091 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,373
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 #
Tyler County, TX: 6 findings, 1 at a watch level and 5 noted
watchTyler County, TX's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTyler County, TX's average weekly wage was 4.8% 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
- +4.8 % = 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
noteTyler County, TX's covered employment was 0.7% 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
- -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
noteTyler County, TX's typical home value fell 0.6% from $173,683 in August 2026 to $172,727 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.6% = (172726.58699631033 - 173683.33877702063) / 173683.33877702063 × 100
- 172726.58699631033 = Zillow ZHVI, 2026-09
- 173683.33877702063 = Zillow ZHVI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Tyler 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 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.