Wise County, TX
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.22, -97.65.
Assembled 2026-10-19. Read the brief.
- 82nd pct · 533rd of 3,063 US counties · median $230,451
- 92nd pct · 20th of 243 Texas counties · median $207,861
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
- 18th pct · 2,494th of 3,062 US counties · median +2.9%
- 45th pct · 134th of 243 Texas counties · median +0.1%
- 90th pct · 2nd of 11 counties in the Dallas-Fort Worth-Arlington metro · median -1.6%
- 62nd pct · 506th of 1,358 US counties · median $1,506
- 84th pct · 16th of 98 Texas counties · median $1,449
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
- 72nd pct · 871st of 3,221 US counties · median 8,232
- 80th pct · 51st of 254 Texas counties · median 6,022
- 0th pct · 11th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
- 77th pct · 714th of 3,221 US counties · median $1,039
- 65th pct · 89th of 254 Texas counties · median $1,115
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,215
- 78th pct · 670th of 3,063 US counties · median 4.2
- 88th pct · 29th of 243 Texas counties · median 3.5
- 60th pct · 5th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 5.6
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 $370,072 (Sep 2026), -0.3% over one year, +10.2% over five
- 82nd pct · 533rd of 3,063 US counties · median $230,451
- 92nd pct · 20th of 243 Texas counties · median $207,861
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $370,072
| Item | Value | Distance |
|---|---|---|
| Wise County, TX | $370,072 · -0.3% 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 $1,658/mo (Sep 2026), -0.9% over one year; price-to-rent 18.6
- 62nd pct · 506th of 1,358 US counties · median $1,506
- 84th pct · 16th of 98 Texas counties · median $1,449
- 50th pct · 6th of 11 counties in the Dallas-Fort Worth-Arlington metro · median $1,658
| Item | Value | Distance |
|---|---|---|
| Wise County, TX | $1,658/mo · -0.9% 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 $2,050 a month on $370,072 at 7.40%, against an average weekly wage worth $5,265 a month: 38.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $370,072 × 80% = $296,058, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,050/mo principal and interest
- wage share = payment / (avg weekly wage $1,215 × 52 / 12 = $5,265) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $370,072 / ($1,215 × 52) = 5.9
- price-to-rent = $370,072 / ($1,658 × 12) = 18.6
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 #
21,973 jobs at 1,703 employers (2026 Q1); +1.9% jobs and +7.0% average weekly wage over the year
- 72nd pct · 871st of 3,221 US counties · median 8,232
- 80th pct · 51st of 254 Texas counties · median 6,022
- 0th pct · 11th of 11 counties in the Dallas-Fort Worth-Arlington metro · median 61,348
| Item | Value | Distance |
|---|---|---|
| Wise County, TX | 21,973 jobs · $1,215/wk · +1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,006 | $1,423 | 1.70 | +7.0% |
| Construction | 2,715 | $1,367 | 2.36 | +6.4% |
| Retail trade | 2,406 | $801 | 1.12 | -3.3% |
| Accommodation and food services | 2,003 | $454 | 1.01 | -0.4% |
| Health care and social assistance | 1,870 | $988 | 0.57 | -4.5% |
| Mining, oil and gas | 1,650 | $1,829 | 21.09 | +3.5% |
| Wholesale trade | 898 | $1,594 | 1.07 | -6.5% |
| Transportation and warehousing | 763 | $1,779 | 0.82 | -6.2% |
| Professional and technical services | 736 | $1,371 | 0.49 | -5.9% |
| Administrative and waste services | 498 | $1,095 | 0.40 | -12.5% |
| Other services | 462 | $988 | 0.70 | +15.8% |
| Finance and insurance | 332 | $1,683 | 0.37 | +5.4% |
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: 34, 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 |
|---|---|---|
| Bridgeport Reservoir | 73 % full · 372k ac-ft | 17 km |
| Lake Amon G Carter | 81 % full · 19k ac-ft | 34 km |
| Eagle Mountain Reservoir | 73 % full · 185k ac-ft | 41 km |
| Lost Creek Reservoir | 88 % full · 12k ac-ft | 43 km |
| Lake Weatherford | 60 % full · 18k ac-ft | 50 km |
| Lake Worth | 67 % full · 24k ac-ft | 53 km |
| Lake Mineral Wells | 85 % full · 5k ac-ft | 58 km |
| Ray Roberts Lake | 94 % full · 788k ac-ft | 58 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 (0.21)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.16 / 0.65
Banks & federal dollars #
$1.6 bn in deposits at 20 offices of 12 banks (SOD June 2026); HHI 1,591, moderately concentrated. $449.4 m federal obligations in FY2026 (direct payments $441.9 m, grants $4.5 m), $20,453 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $400.8 m · 25.6% share · 3 offices | |
| Wells Fargo Bank, National Association | $316.2 m · 20.2% share · 2 offices | |
| Investar Bank, National Association | $213.1 m · 13.6% share · 4 offices | |
| Wise, TX | $449.4 m FY2026 · $20,453/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $400,820,000 | 25.6% | 3 |
| Wells Fargo Bank, National Association | $316,249,000 | 20.2% | 2 |
| Investar Bank, National Association | $213,091,000 | 13.6% | 4 |
| Legend Bank, N.A. | $191,668,000 | 12.2% | 3 |
| The Community Bank | $148,702,000 | 9.5% | 1 |
| First State Bank | $135,569,000 | 8.7% | 1 |
| TexasBank | $59,303,000 | 3.8% | 1 |
| Pinnacle Bank | $39,242,000 | 2.5% | 1 |
| Pilgrim Bank | $33,474,000 | 2.1% | 1 |
| Prosperity Bank | $21,869,000 | 1.4% | 1 |
Deposit concentration is 1,591 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 25.6² + 20.2² + 13.6² + … (9 more) = 1,591
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 $20,453 per covered job, against 21,973 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $449.4 m / 21,973 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,453
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 #
Wise County, TX: 10 findings, 1 at a watch level and 9 noted
watchWise County, TX's typical home value is -0.3% 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 = -0.3353061386080383 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteWise County, TX's average weekly wage was 7.0% 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
- +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
noteWise County, TX's covered employment was 1.9% 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
- +1.9 % = 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
noteWise County, TX's covered employment of 21,973 ranks 11th of 11 counties in the Dallas-Fort Worth-Arlington metro, against a median of 61,348.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 11 counties in the Dallas-Fort Worth-Arlington metro that published jobs.emp
position among the entities that published this metric this period; not an official level
noteWise County, TX's typical home value of $370,072 ranks 20th of 243 Texas counties, against a median of $207,861.
Period 2026-09.Show the arithmetic
- 92 on the 0-to-100 scale across 243 Texas counties that published home.latest
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.