Upshur County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 32.74, -94.94.
Assembled 2026-10-19. Read the brief.
- 51st pct · 1,479th of 3,063 US counties · median $230,451
- 62nd pct · 91st of 243 Texas counties · median $207,861
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
- 31st pct · 2,107th of 3,062 US counties · median +2.9%
- 59th pct · 98th of 243 Texas counties · median +0.1%
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
- 24th pct · 1,019th of 1,358 US counties · median $1,506
- 17th pct · 81st of 98 Texas counties · median $1,449
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
- 48th pct · 1,661st of 3,221 US counties · median 8,232
- 56th pct · 111th of 254 Texas counties · median 6,022
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
- 50th pct · 1,600th of 3,221 US counties · median $1,039
- 35th pct · 163rd of 254 Texas counties · median $1,115
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
- 53rd pct · 1,435th of 3,063 US counties · median 4.2
- 70th pct · 72nd of 243 Texas counties · median 3.5
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
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 $235,784 (Sep 2026), +1.2% over one year, +15.4% over five
- 51st pct · 1,479th of 3,063 US counties · median $230,451
- 62nd pct · 91st of 243 Texas counties · median $207,861
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Upshur County, TX | $235,784 · +1.2% 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 $1,246/mo (Sep 2026), n/a over one year; price-to-rent 15.8
- 24th pct · 1,019th of 1,358 US counties · median $1,506
- 17th pct · 81st of 98 Texas counties · median $1,449
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Upshur County, TX | $1,246/mo · n/a 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 $1,306 a month on $235,784 at 7.40%, against an average weekly wage worth $4,507 a month: 29.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $235,784 × 80% = $188,627, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,306/mo principal and interest
- wage share = payment / (avg weekly wage $1,040 × 52 / 12 = $4,507) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $235,784 / ($1,040 × 52) = 4.4
- price-to-rent = $235,784 / ($1,246 × 12) = 15.8
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 #
7,713 jobs at 576 employers (2026 Q1); +0.2% jobs and +9.0% average weekly wage over the year
- 48th pct · 1,661st of 3,221 US counties · median 8,232
- 56th pct · 111th of 254 Texas counties · median 6,022
- counties in the Longview metro: Rank context is unavailable: the manifest lists 4 counties in the Longview metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Upshur County, TX | 7,713 jobs · $1,040/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 841 | $393 | 1.21 | +0.6% |
| Retail trade | 837 | $607 | 1.11 | +6.1% |
| Construction | 743 | $1,514 | 1.84 | -11.9% |
| Manufacturing | 571 | $1,621 | 0.92 | +0.0% |
| Finance and insurance | 294 | $1,477 | 0.94 | +0.7% |
| Wholesale trade | 293 | $1,427 | 0.99 | -0.7% |
| Professional and technical services | 265 | $1,336 | 0.50 | +24.4% |
| Transportation and warehousing | 217 | $1,363 | 0.67 | -12.1% |
| Information | 215 | $1,201 | 1.51 | -15.7% |
| Utilities | 161 | $1,875 | 5.29 | +0.6% |
| Mining, oil and gas | 126 | $1,435 | 4.59 | +35.5% |
| Other services | 126 | $766 | 0.55 | +0.0% |
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 #
D3 extreme 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: 27, 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 Bob Sandlin | 88 % full · 192k ac-ft | 39 km |
| Monticello Reservoir | 72 % full · 35k ac-ft | 40 km |
| Lake O the Pines | 91 % full · 241k ac-ft | 41 km |
| Lake Cypress Springs | 88 % full · 67k ac-ft | 42 km |
| Lake Cherokee | 77 % full · 40k ac-ft | 48 km |
| Lake Fork Reservoir | 80 % full · 606k ac-ft | 56 km |
| Lake Tyler | 84 % full · 72k ac-ft | 59 km |
| Martin Lake | 76 % full · 76k ac-ft | 63 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 (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.16 / 0.65
Banks & federal dollars #
$1.2 bn in deposits at 11 offices of 6 banks (SOD June 2026); HHI 2,718, highly concentrated. $275.1 m federal obligations in FY2026 (direct payments $269.6 m, grants $5.4 m), $35,663 per covered job
| Item | Value | Distance |
|---|---|---|
| Texas Heritage National Bank | $415.1 m · 35.5% share · 2 offices | |
| Gilmer National Bank, Gilmer, Texas | $310.5 m · 26.6% share · 1 office | |
| The First National Bank of East Texas | $303.7 m · 26.0% share · 4 offices | |
| Upshur, TX | $275.1 m FY2026 · $35,663/job | |
| MULTIPLE RECIPIENTS | $268.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Texas Heritage National Bank | $415,050,000 | 35.5% | 2 |
| Gilmer National Bank, Gilmer, Texas | $310,452,000 | 26.6% | 1 |
| The First National Bank of East Texas | $303,726,000 | 26.0% | 4 |
| Austin Bank, Texas National Association | $91,453,000 | 7.8% | 2 |
| Prosperity Bank | $34,034,000 | 2.9% | 1 |
| The First National Bank of Hughes Springs | $12,895,000 | 1.1% | 1 |
Deposit concentration is 2,718 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 35.5² + 26.6² + 26.0² + … (3 more) = 2,718
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 | $228,251,205 |
| Department of Veterans Affairs | $38,193,379 |
| Department of Transportation | $4,188,187 |
| Railroad Retirement Board | $1,998,351 |
| Department of Housing and Urban Development | $967,144 |
| Department of Agriculture | $867,694 |
| Department of Justice | $355,112 |
| Federal Communications Commission | $200,719 |
| Department of Education | $44,534 |
| Small Business Administration | $6,075 |
| Department of Defense | -$51 |
That is $35,663 per covered job, against 7,713 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $275.1 m / 7,713 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,663
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 #
Upshur County, TX: 7 findings, 1 at a watch level and 6 noted
watchUpshur County, TX's typical asking rent is -1.2% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.2170777714436416 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteUpshur County, TX's average weekly wage was 9.0% 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
- +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
noteUpshur County, TX's typical asking rent fell 1.2% from $1,262 in August 2026 to $1,246 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -1.2% = (1246.25 - 1261.6047104949196) / 1261.6047104949196 × 100
- 1246.25 = Zillow ZORI, 2026-09
- 1261.6047104949196 = Zillow ZORI, 2026-08
noteUpshur 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Upshur 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.