Oklahoma County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.55, -97.41.
Assembled 2026-10-19. Read the brief.
- 46th pct · 1,639th of 3,063 US counties · median $230,451
- 84th pct · 13th of 77 Oklahoma counties · median $164,118
- 16th pct · 6th of 7 counties in the Oklahoma City metro · median $251,085
- 25th pct · 2,282nd of 3,062 US counties · median +2.9%
- 15th pct · 65th of 77 Oklahoma counties · median +3.5%
- 0th pct · 7th of 7 counties in the Oklahoma City metro · median +1.1%
- 34th pct · 890th of 1,358 US counties · median $1,506
- 74th pct · 8th of 28 Oklahoma counties · median $1,258
- 40th pct · 4th of 6 counties in the Oklahoma City metro · median $1,368
- 98th pct · 54th of 3,221 US counties · median 8,232
- 100th pct · 1st of 77 Oklahoma counties · median 7,282
- 100th pct · 1st of 7 counties in the Oklahoma City metro · median 13,982
- 90th pct · 293rd of 3,221 US counties · median $1,039
- 97th pct · 3rd of 77 Oklahoma counties · median $968
- 100th pct · 1st of 7 counties in the Oklahoma City metro · median $1,007
- 20th pct · 2,441st of 3,063 US counties · median 4.2
- 43rd pct · 44th of 77 Oklahoma counties · median 3.3
- 0th pct · 7th of 7 counties in the Oklahoma City metro · median 4.8
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 $221,970 (Sep 2026), +0.5% over one year, +21.3% over five
- 46th pct · 1,639th of 3,063 US counties · median $230,451
- 84th pct · 13th of 77 Oklahoma counties · median $164,118
- 16th pct · 6th of 7 counties in the Oklahoma City metro · median $251,085
| Item | Value | Distance |
|---|---|---|
| Oklahoma County, OK | $221,970 · +0.5% 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 $1,341/mo (Sep 2026), +2.6% over one year; price-to-rent 13.8
- 34th pct · 890th of 1,358 US counties · median $1,506
- 74th pct · 8th of 28 Oklahoma counties · median $1,258
- 40th pct · 4th of 6 counties in the Oklahoma City metro · median $1,368
| Item | Value | Distance |
|---|---|---|
| Oklahoma County, OK | $1,341/mo · +2.6% 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 $1,230 a month on $221,970 at 7.40%, against an average weekly wage worth $6,244 a month: 19.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,970 × 80% = $177,576, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,230/mo principal and interest
- wage share = payment / (avg weekly wage $1,441 × 52 / 12 = $6,244) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,970 / ($1,441 × 52) = 3.0
- price-to-rent = $221,970 / ($1,341 × 12) = 13.8
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 #
493,081 jobs at 33,477 employers (2026 Q1); -0.8% jobs and +5.6% average weekly wage over the year
- 98th pct · 54th of 3,221 US counties · median 8,232
- 100th pct · 1st of 77 Oklahoma counties · median 7,282
- 100th pct · 1st of 7 counties in the Oklahoma City metro · median 13,982
| Item | Value | Distance |
|---|---|---|
| Oklahoma County, OK | 493,081 jobs · $1,441/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 80,763 | $1,410 | 1.09 | +2.8% |
| Retail trade | 47,362 | $814 | 0.99 | -1.1% |
| Accommodation and food services | 47,088 | $478 | 1.06 | -0.4% |
| Administrative and waste services | 35,339 | $1,110 | 1.26 | -1.6% |
| Professional and technical services | 31,598 | $1,786 | 0.93 | -4.2% |
| Manufacturing | 23,815 | $1,684 | 0.60 | -1.9% |
| Construction | 23,696 | $1,467 | 0.92 | +1.7% |
| Transportation and warehousing | 22,916 | $1,114 | 1.10 | +1.8% |
| Finance and insurance | 20,227 | $2,404 | 1.01 | +0.7% |
| Wholesale trade | 20,009 | $1,737 | 1.06 | -2.3% |
| Other services | 13,088 | $1,011 | 0.89 | +1.2% |
| Management of companies | 9,786 | $3,626 | 1.19 | +0.3% |
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: 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 (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$47.2 bn in deposits at 232 offices of 60 banks (SOD June 2026); HHI 1,226, moderately concentrated. $9.4 bn federal obligations in FY2026 (direct payments $4.8 bn, contracts $3.3 bn), $19,002 per covered job
| Item | Value | Distance |
|---|---|---|
| MidFirst Bank | $12.6 bn · 26.6% share · 20 offices | |
| BOKF, National Association | $7.1 bn · 15.0% share · 12 offices | |
| JPMorgan Chase Bank, National Association | $5.1 bn · 10.9% share · 13 offices | |
| Oklahoma, OK | $9.4 bn FY2026 · $19,002/job | |
| MULTIPLE RECIPIENTS | $4.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| MidFirst Bank | $12,561,700,000 | 26.6% | 20 |
| BOKF, National Association | $7,091,300,000 | 15.0% | 12 |
| JPMorgan Chase Bank, National Association | $5,143,924,000 | 10.9% | 13 |
| Bank of America, National Association | $4,772,135,000 | 10.1% | 7 |
| BancFirst | $3,012,823,000 | 6.4% | 22 |
| First Fidelity Bank | $1,124,301,000 | 2.4% | 12 |
| Arvest Bank | $837,912,000 | 1.8% | 10 |
| Quail Creek Bank | $756,466,000 | 1.6% | 1 |
| Bank 7 | $715,266,000 | 1.5% | 1 |
| Kirkpatrick Bank | $704,667,000 | 1.5% | 4 |
Deposit concentration is 1,226 across 60 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 60 banks with deposits in the county = 26.6² + 15.0² + 10.9² + … (57 more) = 1,226
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 | $3,356,456,686 |
| Department of Defense | $2,279,551,661 |
| Department of Veterans Affairs | $954,270,115 |
| Department of Transportation | $748,801,600 |
| Department of Health and Human Services | $735,479,126 |
| Department of Education | $698,938,490 |
| Department of Homeland Security | $215,605,833 |
| Department of Housing and Urban Development | $199,576,241 |
| General Services Administration | $109,296,678 |
| Department of Justice | $28,371,702 |
| Federal Communications Commission | $10,713,173 |
| Railroad Retirement Board | $9,548,695 |
That is $19,002 per covered job, against 493,081 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $9.4 bn / 493,081 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,002
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 #
Oklahoma County, OK: 18 findings, 3 at a watch level and 15 noted
watchOklahoma County, OK's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOklahoma County, OK's typical asking rent of $1,341 scores 34 on the 0-to-100 scale across US counties but 74 across Oklahoma counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |34 across US counties - 74 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
watchOklahoma County, OK's typical home value of $221,970 scores 47 on the 0-to-100 scale across US counties but 84 across Oklahoma counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |47 across US counties - 84 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteOklahoma County, OK's average weekly wage was 5.6% 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
- +5.6 % = 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
noteOklahoma County, OK's covered employment was 0.8% 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
- -0.8 % = 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
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.