Atoka County, OK

Home values #

Typical home $220,741 (Aug 2026), +4.9% over one year, +41.3% over five

• 44th pct · 1,705th of 3,063 US counties · median $234,566
• 78th pct · 17th of 77 Oklahoma counties · median $169,041

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 $1,208 a month on $220,741 at 7.28%, against an average weekly wage worth $3,337 a month: 36.2% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $220,741 × 80% = $176,593, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,208/mo principal and interest
• wage share = payment / (avg weekly wage $770 × 52 / 12 = $3,337) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $220,741 / ($770 × 52) = 5.5

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 #

3,503 jobs at 348 employers (2026 Q1); -1.8% jobs and +1.4% average weekly wage over the year

• 28th pct · 2,309th of 3,221 US counties · median 8,232
• 35th pct · 50th of 77 Oklahoma counties · median 7,282

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 #

91 % of conservation capacity, weighted over 9 TWDB reservoirs

Sites found: 13, 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 #

24 gauges · 0 flooding · 0 with quality panels · 7 stale

Sites found: 24, 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 #

21 wells in 2 named aquifers: Arbuckle-Simpson aquifer, Alluvial aquifers

Sites found: 21, 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 #

moderate (0.44)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.09 / 0.65

Banks & federal dollars #

$335.3 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 5,876, highly concentrated. $87.0 m federal obligations in FY2026 (direct payments $83.0 m, grants $3.7 m), $24,839 per covered job

Deposit concentration is 5,876 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 = 70.9² + 29.1² = 5,876

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.

That is $24,839 per covered job, against 3,503 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $87.0 m / 3,503 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,839

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.

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 #

Atoka County, OK: 9 findings, 2 at a watch level and 7 noted

1. watchAtoka County, OK's covered employment is -1.8% 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 = -1.8 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. watchAtoka County, OK's typical home value of $220,741 scores 44 on the 0-to-100 scale across US counties but 79 across Oklahoma counties, a gap of 35 points.

   Period 2026-08.
   Show the arithmetic

   • 35 = |44 across US counties - 79 across Oklahoma counties|

   position among the entities that published this metric this period; not an official level

3. noteAtoka County, OK's covered employment was 1.8% 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

   • -1.8 % = 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

4. noteAtoka County, OK's average weekly wage was 1.4% 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

   • +1.4 % = 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

5. noteAtoka County, OK's typical home value rose 0.8% from $218,954 in July 2026 to $220,741 in August 2026, on Zillow ZHVI.

   Period 2026-08.
   Show the arithmetic

   • +0.8% = (220740.83983392027 - 218954.46833042533) / 218954.46833042533 × 100
   • 220740.83983392027 = Zillow ZHVI, 2026-08
   • 218954.46833042533 = Zillow ZHVI, 2026-07

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.