Lockney, Texas.
Typical home $99,652 (+5.3% in a year).
to buy the typical home at today's mortgage rate — $7 (-1%) since Feb 2022.
- 1 year
- Up $4,978 +5%
- $94,674$99,652 since Sep 2025
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Lockney$523
- Texas$1,556
- United States$1,922
Typical home values in Lockney, TX rose 5.3% over the past year — faster than the nation's +1.2%.
Living in Lockney, Floyd County, Texas
Lockney is a town of 1,498 people in Floyd County. Unemployment in Floyd County was 3.9% in August 2026, and the county had 4.4% more jobs in 2025 than the year before. The most people in Floyd County work in schools and health care, then farming.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Lockney is a small farming town on the Texas High Plains, in Floyd County. Homes here are modest in price, and household incomes across the county sit below the Texas average. Few adults hold a four-year degree, and getting to work takes very little time, so most days are unhurried.
Work. Many residents work in schools, hospitals and social care, followed by farming, the building trades, and transport and warehousing. Across Floyd County, the largest workplaces include Lockney ISD, W.J. Mangold Memorial Hospital and Western Cattle Feeders. Unemployment in the county is lower than a year ago, and the county has added jobs over the past year.
Things to do. Nearby, Running Water Draw is a river, and Jaycee Park is a stadium, both a longer drive away. Winters are cold, with only a little snow, and summers are hot. The year brings modest rainfall, which suits an outdoor day in the milder seasons.
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- 699households
- 11%of adults have a degree
- 14 mintypical commute
- 0%work from home
What people in Floyd County work in
Employed residents by industry, from the Census survey. Floyd County had 1,524 jobs in 2025, 4.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 52° and lows near 25°; warmest in July, with highs near 92° and lows near 68°. About 4 inches of snow and 20 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Floydada weather station, 11 miles away (NOAA).
Largest workplaces in Floyd County
- Floydada Collegiate ISDSchool district130FTE
- Lockney ISDSchool district79FTE
- W.j. Mangold Memorial HospitalCritical access hospital74FTE
- Western Cattle FeedersBeef cattle feedlots72
- Lighthouse Electric CooperativeDistribution of electric power46
- Floydada Cooperative GinsCotton ginning25
- PAY and SaveGrocery stores21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 164 people in all across the county; Lockney has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailVery high
- Strong windVery high
- Winter weatherVery high
- TornadoesVery high
- DroughtRelatively high
- WildfireRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lockney’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Floyd County.
Lockney home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lockney$99,652
- Texas$296,424
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lockney7
Zip codes with a Lockney address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lockney — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.