Garfield County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.38, -97.79.
Assembled 2026-10-19. Read the brief.
- 13th pct · 2,653rd of 3,063 US counties · median $230,451
- 32nd pct · 52nd of 77 Oklahoma counties · median $164,118
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
- 48th pct · 1,573rd of 3,062 US counties · median +2.9%
- 38th pct · 48th of 77 Oklahoma counties · median +3.5%
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
- 15th pct · 1,147th of 1,358 US counties · median $1,506
- 40th pct · 17th of 28 Oklahoma counties · median $1,258
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
- 73rd pct · 850th of 3,221 US counties · median 8,232
- 88th pct · 10th of 77 Oklahoma counties · median 7,282
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
- 42nd pct · 1,841st of 3,221 US counties · median $1,039
- 61st pct · 30th of 77 Oklahoma counties · median $968
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
- 14th pct · 2,616th of 3,063 US counties · median 4.2
- 35th pct · 50th of 77 Oklahoma counties · median 3.3
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid 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 $140,570 (Sep 2026), +2.7% over one year, +20.3% over five
- 13th pct · 2,653rd of 3,063 US counties · median $230,451
- 32nd pct · 52nd of 77 Oklahoma counties · median $164,118
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Garfield County, OK | $140,570 · +2.7% 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 $1,116/mo (Sep 2026), +2.1% over one year; price-to-rent 10.5
- 15th pct · 1,147th of 1,358 US counties · median $1,506
- 40th pct · 17th of 28 Oklahoma counties · median $1,258
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Garfield County, OK | $1,116/mo · +2.1% 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 $779 a month on $140,570 at 7.40%, against an average weekly wage worth $4,368 a month: 17.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $140,570 × 80% = $112,456, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $779/mo principal and interest
- wage share = payment / (avg weekly wage $1,008 × 52 / 12 = $4,368) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $140,570 / ($1,008 × 52) = 2.7
- price-to-rent = $140,570 / ($1,116 × 12) = 10.5
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 #
22,736 jobs at 1,728 employers (2026 Q1); -2.8% jobs and +2.0% average weekly wage over the year
- 73rd pct · 850th of 3,221 US counties · median 8,232
- 88th pct · 10th of 77 Oklahoma counties · median 7,282
- counties in the Enid metro: Rank context is unavailable: the manifest lists 1 counties in the Enid metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Garfield County, OK | 22,736 jobs · $1,008/wk · -2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,901 | $672 | 1.31 | -3.0% |
| Manufacturing | 2,460 | $1,222 | 1.34 | -1.1% |
| Accommodation and food services | 1,998 | $391 | 0.98 | -5.2% |
| Administrative and waste services | 1,460 | $734 | 1.13 | -12.8% |
| Professional and technical services | 1,150 | $1,484 | 0.73 | -4.6% |
| Construction | 1,090 | $1,134 | 0.91 | -2.7% |
| Wholesale trade | 891 | $1,624 | 1.02 | +3.2% |
| Transportation and warehousing | 763 | $1,302 | 0.80 | +10.6% |
| Finance and insurance | 724 | $1,493 | 0.78 | -2.6% |
| Mining, oil and gas | 635 | $1,396 | 7.84 | -3.3% |
| Arts, entertainment and recreation | 320 | $434 | 0.86 | +2.2% |
| Management of companies | 261 | $1,213 | 0.69 | +3.2% |
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 #
D2 severe 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: 0, 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.
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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$5.8 bn in deposits at 22 offices of 14 banks (SOD June 2026); HHI 6,411, highly concentrated. $500.8 m federal obligations in FY2026 (direct payments $368.5 m, contracts $119.9 m), $22,027 per covered job
| Item | Value | Distance |
|---|---|---|
| Stride Bank, National Association | $4.7 bn · 79.6% share · 3 offices | |
| The Security National Bank of Enid | $366.0 m · 6.3% share · 3 offices | |
| Cowboy Bank | $279.9 m · 4.8% share · 4 offices | |
| Garfield, OK | $500.8 m FY2026 · $22,027/job | |
| MULTIPLE RECIPIENTS | $341.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Stride Bank, National Association | $4,654,766,000 | 79.6% | 3 |
| The Security National Bank of Enid | $365,974,000 | 6.3% | 3 |
| Cowboy Bank | $279,853,000 | 4.8% | 4 |
| InterBank | $139,104,000 | 2.4% | 1 |
| BOKF, National Association | $95,560,000 | 1.6% | 1 |
| Great Plains National Bank | $94,864,000 | 1.6% | 1 |
| Equity Bank | $63,905,000 | 1.1% | 1 |
| Wisdom Heritage Bank | $52,400,000 | 0.9% | 1 |
| ACB Bank | $30,483,000 | 0.5% | 2 |
| First Bank & Trust Company | $25,725,000 | 0.4% | 1 |
Deposit concentration is 6,411 across 14 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 79.6² + 6.3² + 4.8² + … (11 more) = 6,411
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 | $284,050,717 |
| Department of Defense | $119,913,521 |
| Department of Veterans Affairs | $53,086,417 |
| Department of Agriculture | $24,126,528 |
| Department of Transportation | $11,740,770 |
| Railroad Retirement Board | $3,987,921 |
| Department of Health and Human Services | $2,043,199 |
| Department of Education | $1,088,141 |
| Federal Communications Commission | $953,849 |
| Small Business Administration | $0 |
| Department of Labor | $0 |
| Department of the Interior | -$155 |
That is $22,027 per covered job, against 22,736 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $500.8 m / 22,736 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,027
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 #
Garfield County, OK: 9 findings, 1 at a watch level and 8 noted
watchGarfield County, OK's covered employment is -2.8% 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 = -2.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGarfield County, OK's covered employment was 2.8% 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
- -2.8 % = 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
noteGarfield County, OK's average weekly wage was 2.0% 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
- +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
noteGarfield County, OK's typical home value fell 0.3% from $140,956 in August 2026 to $140,570 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (140569.5788060514 - 140956.0648594684) / 140956.0648594684 × 100
- 140569.5788060514 = Zillow ZHVI, 2026-09
- 140956.0648594684 = Zillow ZHVI, 2026-08
noteGarfield County, OK's price-to-rent ratio of 10.5 ranks 1,323rd of 1,358 US counties, against a median of 17.0.
Period 2026-09.Show the arithmetic
- 3 on the 0-to-100 scale across 1358 US counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
Read all 9 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.