Choctaw County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.03, -95.55.
Assembled 2026-10-06. Read the brief.
- 13th pct · 2,652nd of 3,063 US counties · median $234,566
- 35th pct · 50th of 77 Oklahoma counties · median $169,041
- 43rd pct · 1,729th of 3,063 US counties · median +2.9%
- 30th pct · 54th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 38th pct · 1,977th of 3,221 US counties · median 8,232
- 44th pct · 43rd of 77 Oklahoma counties · median 7,282
- 15th pct · 2,723rd of 3,221 US counties · median $1,039
- 21st pct · 61st of 77 Oklahoma counties · median $968
- 23rd pct · 2,348th of 3,063 US counties · median 4.3
- 47th pct · 41st 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 $143,376 (Aug 2026), +2.4% over one year, +32.6% over five
- 13th pct · 2,652nd of 3,063 US counties · median $234,566
- 35th pct · 50th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Choctaw County, OK | $143,376 · +2.4% 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 $785 a month on $143,376 at 7.28%, against an average weekly wage worth $3,805 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $143,376 × 80% = $114,701, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $785/mo principal and interest
- wage share = payment / (avg weekly wage $878 × 52 / 12 = $3,805) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $143,376 / ($878 × 52) = 3.1
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 #
5,305 jobs at 400 employers (2026 Q1); -4.0% jobs and +2.7% average weekly wage over the year
- 38th pct · 1,977th of 3,221 US counties · median 8,232
- 44th pct · 43rd of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Choctaw County, OK | 5,305 jobs · $878/wk · -4.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 847 | $538 | 1.06 | -13.6% |
| Retail trade | 550 | $643 | 1.06 | +5.8% |
| Accommodation and food services | 296 | $384 | 0.62 | -7.5% |
| Other services | 213 | $689 | 1.34 | -1.4% |
| Construction | 205 | $1,242 | 0.74 | +18.5% |
| Professional and technical services | 154 | $1,185 | 0.42 | -9.9% |
| Transportation and warehousing | 152 | $1,196 | 0.68 | +3.4% |
| Utilities | 137 | $2,383 | 6.54 | -1.4% |
| Finance and insurance | 106 | $858 | 0.49 | +1.9% |
| Manufacturing | 98 | $740 | 0.23 | +2.1% |
| Administrative and waste services | 59 | $1,047 | 0.20 | +31.1% |
| Wholesale trade | 58 | $1,211 | 0.29 | +1.8% |
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: 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.
| Site | Reading | Distance |
|---|---|---|
| Pat Mayse Lake | 91 % full · 114k ac-ft | 19 km |
| Lake Crook | 85 % full · 9k ac-ft | 33 km |
| Bois d'Arc Lake | 90 % full · 368k ac-ft | 52 km |
| Lake Bonham | 78 % full · 11k ac-ft | 71 km |
| Cooper (Chapman) Lake | 69 % full · 259k ac-ft | 77 km |
| Lake Sulphur Springs | 86 % full · 18k ac-ft | 96 km |
| Lake Texoma | 94 % full · 1,244k ac-ft | 97 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 113 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 = 0.35×1.00 + 0.3×0.12 / 0.65
Banks & federal dollars #
$412.7 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,849, highly concentrated. $139.3 m federal obligations in FY2026 (direct payments $99.7 m, grants $39.2 m), $26,264 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank and Trust Company | $167.1 m · 40.5% share · 1 office | |
| Security First National Bank of Hugo | $121.9 m · 29.5% share · 2 offices | |
| FirstBank | $52.2 m · 12.6% share · 1 office | |
| Choctaw, OK | $139.3 m FY2026 · $26,264/job | |
| MULTIPLE RECIPIENTS | $96.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank and Trust Company | $167,126,000 | 40.5% | 1 |
| Security First National Bank of Hugo | $121,871,000 | 29.5% | 2 |
| FirstBank | $52,161,000 | 12.6% | 1 |
| Ameristate Bank | $50,905,000 | 12.3% | 1 |
| First Texoma National Bank | $20,608,000 | 5.0% | 1 |
Deposit concentration is 2,849 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 40.5² + 29.5² + 12.6² + … (2 more) = 2,849
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 | $81,335,078 |
| Department of Housing and Urban Development | $29,732,087 |
| Department of Veterans Affairs | $12,911,471 |
| Department of Health and Human Services | $9,365,510 |
| Department of Agriculture | $2,407,292 |
| Railroad Retirement Board | $1,635,860 |
| Department of Transportation | $589,090 |
| Federal Communications Commission | $485,642 |
| Department of Education | $476,632 |
| Department of Defense | $358,505 |
| Department of the Interior | $31,872 |
| Department of Justice | $0 |
That is $26,264 per covered job, against 5,305 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $139.3 m / 5,305 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,264
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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Choctaw County, OK: 8 findings, 1 at an alert level, 1 at a watch level and 6 noted
alertChoctaw County, OK's covered employment is -4.0% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchChoctaw County, OK's covered employment is -4.0% 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 = -4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteChoctaw County, OK's covered employment was 4.0% 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
- -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
noteChoctaw County, OK's average weekly wage was 2.7% 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
- +2.7 % = 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
noteChoctaw County, OK's typical home value rose 1.0% from $141,980 in July 2026 to $143,376 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.0% = (143376.1734120919 - 141980.42104336288) / 141980.42104336288 × 100
- 143376.1734120919 = Zillow ZHVI, 2026-08
- 141980.42104336288 = Zillow ZHVI, 2026-07
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.