Creek County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.91, -96.38.
Assembled 2026-10-06. Read the brief.
- 44th pct · 1,691st of 3,063 US counties · median $234,566
- 81st pct · 15th of 77 Oklahoma counties · median $169,041
- 33rd pct · 5th of 7 counties in the Tulsa metro · median $223,183
- 71st pct · 883rd of 3,063 US counties · median +2.9%
- 68th pct · 25th of 77 Oklahoma counties · median +4.0%
- 83rd pct · 2nd of 7 counties in the Tulsa metro · median +2.9%
- 34th pct · 922nd of 1,399 US counties · median $1,496
- 61st pct · 11th of 27 Oklahoma counties · median $1,304
- 25th pct · 4th of 5 counties in the Tulsa metro · median $1,373
- 72nd pct · 887th of 3,221 US counties · median 8,232
- 84th pct · 13th of 77 Oklahoma counties · median 7,282
- 66th pct · 3rd of 7 counties in the Tulsa metro · median 11,995
- 70th pct · 935th of 3,221 US counties · median $1,039
- 89th pct · 9th of 77 Oklahoma counties · median $968
- 50th pct · 4th of 7 counties in the Tulsa metro · median $1,155
- 36th pct · 1,956th of 3,063 US counties · median 4.3
- 63rd pct · 29th of 77 Oklahoma counties · median 3.4
- 33rd pct · 5th of 7 counties in the Tulsa metro · median 3.7
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 $221,221 (Aug 2026), +4.9% over one year, +22.2% over five
- 44th pct · 1,691st of 3,063 US counties · median $234,566
- 81st pct · 15th of 77 Oklahoma counties · median $169,041
- 33rd pct · 5th of 7 counties in the Tulsa metro · median $223,183
| Item | Value | Distance |
|---|---|---|
| Creek County, OK | $221,221 · +4.9% 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 $1,335/mo (Aug 2026), n/a over one year; price-to-rent 13.8
- 34th pct · 922nd of 1,399 US counties · median $1,496
- 61st pct · 11th of 27 Oklahoma counties · median $1,304
- 25th pct · 4th of 5 counties in the Tulsa metro · median $1,373
| Item | Value | Distance |
|---|---|---|
| Creek County, OK | $1,335/mo · n/a 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 $1,211 a month on $221,221 at 7.28%, against an average weekly wage worth $5,005 a month: 24.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,221 × 80% = $176,977, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,211/mo principal and interest
- wage share = payment / (avg weekly wage $1,155 × 52 / 12 = $5,005) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,221 / ($1,155 × 52) = 3.7
- price-to-rent = $221,221 / ($1,335 × 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 #
21,201 jobs at 1,665 employers (2026 Q1); -1.9% jobs and +3.6% average weekly wage over the year
- 72nd pct · 887th of 3,221 US counties · median 8,232
- 84th pct · 13th of 77 Oklahoma counties · median 7,282
- 66th pct · 3rd of 7 counties in the Tulsa metro · median 11,995
| Item | Value | Distance |
|---|---|---|
| Creek County, OK | 21,201 jobs · $1,155/wk · -1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,893 | $1,477 | 2.28 | +0.0% |
| Health care and social assistance | 2,586 | $885 | 0.81 | -1.4% |
| Construction | 2,431 | $1,343 | 2.19 | +0.5% |
| Retail trade | 1,710 | $653 | 0.83 | -8.8% |
| Accommodation and food services | 1,200 | $361 | 0.63 | +0.2% |
| Wholesale trade | 764 | $1,382 | 0.94 | -0.1% |
| Administrative and waste services | 727 | $907 | 0.60 | -3.5% |
| Transportation and warehousing | 654 | $1,375 | 0.73 | +0.0% |
| Other services | 528 | $1,215 | 0.83 | +20.5% |
| Finance and insurance | 435 | $1,259 | 0.50 | -1.8% |
| Arts, entertainment and recreation | 198 | $519 | 0.57 | +35.6% |
| Real estate and rental | 185 | $905 | 0.57 | -29.1% |
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 #
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 #
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 (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$1.3 bn in deposits at 20 offices of 8 banks (SOD June 2026); HHI 2,672, highly concentrated. $505.7 m federal obligations in FY2026 (direct payments $471.1 m, grants $26.9 m), $23,851 per covered job
| Item | Value | Distance |
|---|---|---|
| American Heritage Bank | $537.0 m · 42.7% share · 9 offices | |
| SpiritBank | $303.3 m · 24.1% share · 3 offices | |
| First United Bank and Trust Company | $146.7 m · 11.7% share · 2 offices | |
| Creek, OK | $505.7 m FY2026 · $23,851/job | |
| MULTIPLE RECIPIENTS | $462.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| American Heritage Bank | $536,956,000 | 42.7% | 9 |
| SpiritBank | $303,263,000 | 24.1% | 3 |
| First United Bank and Trust Company | $146,745,000 | 11.7% | 2 |
| Community Bank | $106,929,000 | 8.5% | 2 |
| RCB Bank | $64,070,000 | 5.1% | 1 |
| Arvest Bank | $61,090,000 | 4.9% | 1 |
| The Central Trust Bank | $26,404,000 | 2.1% | 1 |
| International Bank of Commerce | $11,085,000 | 0.9% | 1 |
Deposit concentration is 2,672 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 42.7² + 24.1² + 11.7² + … (5 more) = 2,672
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 | $394,258,557 |
| Department of Veterans Affairs | $66,915,370 |
| Department of Transportation | $15,012,026 |
| Department of Agriculture | $11,358,464 |
| Federal Communications Commission | $4,992,370 |
| Railroad Retirement Board | $3,588,568 |
| Department of Defense | $3,252,108 |
| Department of Housing and Urban Development | $3,171,541 |
| Department of Education | $2,020,121 |
| Environmental Protection Agency | $670,285 |
| Department of Health and Human Services | $234,497 |
| Department of Justice | $116,536 |
That is $23,851 per covered job, against 21,201 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $505.7 m / 21,201 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,851
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 #
Creek County, OK: 10 findings, 2 at a watch level and 8 noted
watchCreek County, OK's covered employment is -1.9% 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 = -1.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCreek County, OK's typical home value of $221,221 scores 45 on the 0-to-100 scale across US counties but 82 across Oklahoma counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |45 across US counties - 82 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteCreek County, OK's average weekly wage was 3.6% 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
- +3.6 % = 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
noteCreek County, OK's typical asking rent rose 2.5% from $1,303 in July 2026 to $1,335 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.5% = (1335 - 1302.7494564480812) / 1302.7494564480812 × 100
- 1335 = Zillow ZORI, 2026-08
- 1302.7494564480812 = Zillow ZORI, 2026-07
noteCreek County, OK's covered employment was 1.9% 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
- -1.9 % = 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
Read all 10 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.