Adair County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.90, -94.65.
Assembled 2026-10-06. Read the brief.
- 28th pct · 2,196th of 3,063 US counties · median $234,566
- 61st pct · 30th of 77 Oklahoma counties · median $169,041
- 87th pct · 370th of 3,063 US counties · median +2.9%
- 90th pct · 8th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 33rd pct · 2,148th of 3,221 US counties · median 8,232
- 36th pct · 49th of 77 Oklahoma counties · median 7,282
- 8th pct · 2,943rd of 3,221 US counties · median $1,039
- 10th pct · 69th of 77 Oklahoma counties · median $968
- 48th pct · 1,592nd of 3,063 US counties · median 4.3
- 78th pct · 17th of 77 Oklahoma counties · median 3.4
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 $180,161 (Aug 2026), +7.4% over one year, +49.0% over five
- 28th pct · 2,196th of 3,063 US counties · median $234,566
- 61st pct · 30th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Adair County, OK | $180,161 · +7.4% 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 $986 a month on $180,161 at 7.28%, against an average weekly wage worth $3,575 a month: 27.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $180,161 × 80% = $144,129, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $986/mo principal and interest
- wage share = payment / (avg weekly wage $825 × 52 / 12 = $3,575) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $180,161 / ($825 × 52) = 4.2
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 #
4,288 jobs at 357 employers (2026 Q1); -1.7% jobs and +1.0% average weekly wage over the year
- 33rd pct · 2,148th of 3,221 US counties · median 8,232
- 36th pct · 49th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Adair County, OK | 4,288 jobs · $825/wk · -1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,086 | $1,019 | 3.15 | -3.3% |
| Retail trade | 578 | $550 | 1.38 | -4.9% |
| Accommodation and food services | 320 | $324 | 0.83 | +15.1% |
| Administrative and waste services | 126 | $848 | 0.52 | +0.0% |
| Finance and insurance | 121 | $979 | 0.69 | -12.3% |
| Construction | 98 | $820 | 0.44 | +12.6% |
| Other services | 92 | $961 | 0.72 | +10.8% |
| Agriculture, forestry, fishing | 84 | $710 | 2.71 | -30.6% |
| Wholesale trade | 79 | $983 | 0.48 | -1.2% |
| Information | 12 | $1,674 | 0.15 | +0.0% |
| Real estate and rental | 12 | $540 | 0.18 | +9.1% |
| Mining, oil and gas | 6 | $1,586 | 0.39 | +20.0% |
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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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 |
|---|---|---|
| Lake Eucha near Eucha, OK | 58,320 Acre-ft (USGS, no capacity on file) | 59 km |
| Lake Hudson near Locust Grove, OK | 213,900 Acre-ft (USGS, no capacity on file) | 60 km |
| Spavinaw Lake at Spavinaw, OK | 25,830 Acre-ft (USGS, no capacity on file) | 65 km |
| Lake O' the Cherokees at Langley, OK | 1,306,000 Acre-ft (USGS, no capacity on file) | 72 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 #
77 gauges · 0 flooding · 13 with quality panels averaging 96 % · 26 stale
Sites found: 77, 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.
| Site | Reading | Distance |
|---|---|---|
| Peacheater Creek at Christie, OK | flow 0.00 ft³/s · STALE | 8 km |
| Baron Fork at Dutch Mills, AR | flow 2.04 ft³/s | 15 km |
| Baron Fork at Eldon, OK | flow 31.8 ft³/s | 17 km |
| Caney Creek near Barber, OK | flow 10.3 ft³/s | 22 km |
| Illinois River near Tahlequah, OK | flow 261.0 ft³/s | 25 km |
| Illinois River South of Siloam Springs, AR | flow 584.0 ft³/s | 26 km |
| Illinois River at Chewey, OK | flow 220.0 ft³/s | 26 km |
| Illinois River near Watts, OK | flow 175.0 ft³/s · quality 100 % (2) | 27 km |
| Little Lee Creek near Greasy, OK | flow 2.70 ft³/s · STALE | 27 km |
| Illinois River near Moodys, OK | stage 3.52 ft | 28 km |
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 #
15 wells in 1 named aquifer: Ozark Plateaus aquifer system
Sites found: 15, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-354852094442501 | depth 112.8 ft · 2020-11-08 | 12 km |
| USGS-355741094461001 | depth 23.3 ft · 2020-11-08 | 13 km |
| USGS-355600094503501 | depth 152.9 ft · 2020-11-08 | 18 km |
| USGS-360425094573101 | depth 19.5 ft · 2020-11-09 | 34 km |
| USGS-353513094482401 | depth 131.8 ft · 2020-11-08 | 37 km |
| USGS-361415094452501 | depth 30.8 ft · 1995-09-30 | 39 km |
| USGS-361126094551801 | depth 344.8 ft · 2020-11-09 | 41 km |
| USGS-353341094513501 | depth 1.61 ft · 2020-11-08 | 42 km |
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 #
moderate (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.04 / 0.55
Banks & federal dollars #
$285.2 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 3,512, highly concentrated. $144.0 m federal obligations in FY2026 (direct payments $118.3 m, grants $25.1 m), $33,572 per covered job
| Item | Value | Distance |
|---|---|---|
| Carson Community Bank | $120.2 m · 42.1% share · 2 offices | |
| Armstrong Bank | $98.4 m · 34.5% share · 1 office | |
| Arvest Bank | $66.6 m · 23.4% share · 2 offices | |
| Adair, OK | $144.0 m FY2026 · $33,572/job | |
| MULTIPLE RECIPIENTS | $113.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Carson Community Bank | $120,166,000 | 42.1% | 2 |
| Armstrong Bank | $98,394,000 | 34.5% | 1 |
| Arvest Bank | $66,594,000 | 23.4% | 2 |
Deposit concentration is 3,512 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 42.1² + 34.5² + 23.4² = 3,512
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 | $97,514,242 |
| Department of Veterans Affairs | $15,923,170 |
| Department of Transportation | $15,492,033 |
| Department of Education | $8,560,987 |
| Department of Agriculture | $3,540,422 |
| Federal Communications Commission | $795,684 |
| Department of Justice | $583,298 |
| Department of Housing and Urban Development | $559,649 |
| Department of Defense | $534,626 |
| Railroad Retirement Board | $256,658 |
| Department of Health and Human Services | $196,920 |
| Department of the Interior | $0 |
That is $33,572 per covered job, against 4,288 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $144.0 m / 4,288 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,572
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 2026-10-05 | +0.1% |
| 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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Adair County, OK: 8 findings, 3 at a watch level and 5 noted
watchAdair County, OK's covered employment is -1.7% 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 = -1.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchAdair County, OK's typical home value of $180,161 scores 28 on the 0-to-100 scale across US counties but 62 across Oklahoma counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |28 across US counties - 62 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
watchAdair County, OK's years of wages of 4.2 scores 48 on the 0-to-100 scale across US counties but 79 across Oklahoma counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |48 across US counties - 79 across Oklahoma counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteAdair County, OK's covered employment was 1.7% 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
- -1.7 % = 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
noteAdair County, OK's average weekly wage was 1.0% 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
- +1 % = 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 8 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.