Beckham County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.27, -99.69.
Assembled 2026-10-06. Read the brief.
- 17th pct · 2,514th of 3,063 US counties · median $234,566
- 42nd pct · 45th of 77 Oklahoma counties · median $169,041
- 76th pct · 722nd of 3,063 US counties · median +2.9%
- 77th pct · 18th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 53rd pct · 1,495th of 3,221 US counties · median 8,232
- 57th pct · 33rd of 77 Oklahoma counties · median 7,282
- 64th pct · 1,139th of 3,221 US counties · median $1,039
- 84th pct · 13th of 77 Oklahoma counties · median $968
- 13th pct · 2,641st of 3,063 US counties · median 4.3
- 32nd pct · 52nd 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 $155,683 (Aug 2026), +5.5% over one year, +30.0% over five
- 17th pct · 2,514th of 3,063 US counties · median $234,566
- 42nd pct · 45th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Beckham County, OK | $155,683 · +5.5% 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 #
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 $852 a month on $155,683 at 7.28%, against an average weekly wage worth $4,823 a month: 17.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $155,683 × 80% = $124,546, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $852/mo principal and interest
- wage share = payment / (avg weekly wage $1,113 × 52 / 12 = $4,823) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $155,683 / ($1,113 × 52) = 2.7
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 #
9,480 jobs at 762 employers (2026 Q1); +0.9% jobs and +0.4% average weekly wage over the year
- 53rd pct · 1,495th of 3,221 US counties · median 8,232
- 57th pct · 33rd of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Beckham County, OK | 9,480 jobs · $1,113/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 1,646 | $1,373 | 3.31 | +13.8% |
| Retail trade | 1,325 | $674 | 1.43 | -2.6% |
| Accommodation and food services | 1,021 | $360 | 1.20 | +1.8% |
| Mining, oil and gas | 959 | $2,314 | 28.41 | -7.7% |
| Transportation and warehousing | 531 | $1,461 | 1.33 | +4.5% |
| Finance and insurance | 276 | $1,137 | 0.71 | +1.1% |
| Wholesale trade | 244 | $1,352 | 0.67 | +1.7% |
| Real estate and rental | 199 | $1,515 | 1.37 | +1.0% |
| Manufacturing | 190 | $1,282 | 0.25 | +5.6% |
| Professional and technical services | 185 | $1,107 | 0.28 | -9.8% |
| Other services | 126 | $779 | 0.44 | +4.1% |
| Utilities | 96 | $2,087 | 2.56 | +2.1% |
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 #
D4 exceptional 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 |
|---|---|---|
| Greenbelt Lake | 5 % full · 60k ac-ft | 114 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 #
severe (0.98)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 + 0.3×0.95 / 0.65
Banks & federal dollars #
$1.0 bn in deposits at 11 offices of 6 banks (SOD June 2026); HHI 2,343, highly concentrated. $143.2 m federal obligations in FY2026 (direct payments $120.6 m, grants $23.4 m), $15,102 per covered job
| Item | Value | Distance |
|---|---|---|
| Great Plains National Bank | $352.8 m · 34.2% share · 3 offices | |
| The First National Bank & Trust | $265.0 m · 25.7% share · 3 offices | |
| Bank of Western Oklahoma | $166.7 m · 16.1% share · 1 office | |
| Beckham, OK | $143.2 m FY2026 · $15,102/job | |
| MULTIPLE RECIPIENTS | $112.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Great Plains National Bank | $352,779,000 | 34.2% | 3 |
| The First National Bank & Trust | $264,956,000 | 25.7% | 3 |
| Bank of Western Oklahoma | $166,687,000 | 16.1% | 1 |
| InterBank | $149,027,000 | 14.4% | 2 |
| Legacy Bank | $62,898,000 | 6.1% | 1 |
| First Bank | $36,541,000 | 3.5% | 1 |
Deposit concentration is 2,343 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 34.2² + 25.7² + 16.1² + … (3 more) = 2,343
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 | $99,250,421 |
| Department of Transportation | $22,375,777 |
| Department of Veterans Affairs | $12,196,524 |
| Department of Agriculture | $8,061,538 |
| Department of Housing and Urban Development | $466,043 |
| Railroad Retirement Board | $334,893 |
| Federal Communications Commission | $271,117 |
| Department of Health and Human Services | $175,000 |
| Department of Education | $31,634 |
That is $15,102 per covered job, against 9,480 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $143.2 m / 9,480 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,102
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 | 2026-10-06 | +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 | 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 #
Beckham County, OK: 3 findings, 3 noted
noteBeckham County, OK's covered employment was 0.9% 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
- +0.9 % = 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
noteBeckham County, OK's average weekly wage was 0.4% 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
- +0.4 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Beckham County, OK is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.