Harper County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.80, -99.66.
Assembled 2026-10-20. Read the brief.
- 0th pct · 3,044th of 3,063 US counties · median $230,451
- 3rd pct · 74th of 77 Oklahoma counties · median $164,118
- 20th pct · 2,425th of 3,062 US counties · median +2.9%
- 14th pct · 66th of 77 Oklahoma counties · median +3.5%
- US counties: not published this period
- Oklahoma counties: not published this period
- 7th pct · 2,982nd of 3,221 US counties · median 8,232
- 6th pct · 72nd of 77 Oklahoma counties · median 7,282
- 27th pct · 2,341st of 3,221 US counties · median $1,039
- 37th pct · 48th of 77 Oklahoma counties · median $968
- 1st pct · 3,031st of 3,063 US counties · median 4.2
- 2nd pct · 75th of 77 Oklahoma counties · median 3.3
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 $73,892 (Sep 2026), -0.0% over one year, +13.7% over five
- 0th pct · 3,044th of 3,063 US counties · median $230,451
- 3rd pct · 74th of 77 Oklahoma counties · median $164,118
| Item | Value | Distance |
|---|---|---|
| Harper County, OK | $73,892 · -0.0% 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
- Oklahoma 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 $409 a month on $73,892 at 7.40%, against an average weekly wage worth $4,073 a month: 10.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $73,892 × 80% = $59,114, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $409/mo principal and interest
- wage share = payment / (avg weekly wage $940 × 52 / 12 = $4,073) = 10% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $73,892 / ($940 × 52) = 1.5
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 #
1,073 jobs at 144 employers (2026 Q1); -1.2% jobs and +2.8% average weekly wage over the year
- 7th pct · 2,982nd of 3,221 US counties · median 8,232
- 6th pct · 72nd of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Harper County, OK | 1,073 jobs · $940/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 94 | $447 | 0.90 | -13.8% |
| Utilities | 75 | $2,018 | 17.70 | -2.6% |
| Health care and social assistance | 57 | $749 | 0.35 | +7.5% |
| Wholesale trade | 23 | $1,331 | 0.56 | -4.2% |
| Transportation and warehousing | 13 | $1,958 | 0.29 | +18.2% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | withheld | |||
| Professional and technical services | withheld |
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: 1, 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 |
|---|---|---|
| Palo Duro Reservoir | 0 % full · 61k ac-ft | 143 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 #
high (0.59)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×1.00 / 0.65
Banks & federal dollars #
$108.8 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,419, highly concentrated. $42.3 m federal obligations in FY2026 (direct payments $27.5 m, grants $14.9 m), $39,436 per covered job
| Item | Value | Distance |
|---|---|---|
| Security State Bank | $70.1 m · 64.5% share · 1 office | |
| Oklahoma State Bank | $38.6 m · 35.5% share · 1 office | |
| Harper, OK | $42.3 m FY2026 · $39,436/job | |
| MULTIPLE RECIPIENTS | $20.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security State Bank | $70,118,000 | 64.5% | 1 |
| Oklahoma State Bank | $38,646,000 | 35.5% | 1 |
Deposit concentration is 5,419 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 64.5² + 35.5² = 5,419
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 | $19,206,900 |
| Department of Transportation | $14,778,405 |
| Department of Agriculture | $6,445,835 |
| Department of Veterans Affairs | $1,658,535 |
| Federal Communications Commission | $148,134 |
| Department of Education | $76,792 |
That is $39,436 per covered job, against 1,073 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $42.3 m / 1,073 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $39,436
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Harper County, OK: 14 findings, 3 at a watch level and 11 noted
watchHarper County, OK's covered employment is -1.2% 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 = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHarper County, OK's typical home value is -1.4% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI 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: home.momPct = -1.4115171684664842 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchHarper County, OK's typical home value is -0.0% 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 = -0.012868561900654813 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteHarper County, OK's average weekly wage was 2.8% 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
- +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
noteHarper County, OK's typical home value fell 1.4% from $74,950 in August 2026 to $73,892 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -1.4% = (73892.24695247006 - 74950.18163403122) / 74950.18163403122 × 100
- 73892.24695247006 = Zillow ZHVI, 2026-09
- 74950.18163403122 = Zillow ZHVI, 2026-08
Read all 12 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.