Delaware County, OK

Home values #

Typical home $290,474 (Aug 2026), +5.1% over one year, +26.0% over five

• 67th pct · 1,004th of 3,063 US counties · median $234,566
• 98th pct · 2nd 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 #

Typical rent $1,250/mo (Aug 2026), n/a over one year; price-to-rent 19.4

• 26th pct · 1,033rd of 1,399 US counties · median $1,496
• 42nd pct · 16th of 27 Oklahoma counties · median $1,304

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 $1,590 a month on $290,474 at 7.28%, against an average weekly wage worth $3,727 a month: 42.7% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $290,474 × 80% = $232,379, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,590/mo principal and interest
• wage share = payment / (avg weekly wage $860 × 52 / 12 = $3,727) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $290,474 / ($860 × 52) = 6.5
• price-to-rent = $290,474 / ($1,250 × 12) = 19.4

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 #

9,504 jobs at 971 employers (2026 Q1); -0.7% jobs and +3.6% average weekly wage over the year

• 53rd pct · 1,491st of 3,221 US counties · median 8,232
• 59th pct · 32nd 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 #

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.

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 #

73 gauges · 0 flooding · 13 with quality panels averaging 99 % · 18 stale

Sites found: 73, 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 #

28 wells in 1 named aquifer: Ozark Plateaus aquifer system

Sites found: 28, 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 (0.48)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.01 / 0.55

Banks & federal dollars #

$875.7 m in deposits at 11 offices of 8 banks (SOD June 2026); HHI 2,463, highly concentrated. $333.8 m federal obligations in FY2026 (direct payments $306.1 m, grants $18.0 m), $35,122 per covered job

Deposit concentration is 2,463 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 = 38.8² + 21.8² + 18.7² + … (5 more) = 2,463

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 $35,122 per covered job, against 9,504 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $333.8 m / 9,504 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,122

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 #

Delaware County, OK: 11 findings, 2 at a watch level and 9 noted

1. watchDelaware County, OK's covered employment is -0.7% 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 = -0.7 < 0

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

2. watchDelaware County, OK's typical home value of $290,474 scores 67 on the 0-to-100 scale across US counties but 99 across Oklahoma counties, a gap of 31 points.

   Period 2026-08.
   Show the arithmetic

   • 31 = |67 across US counties - 99 across Oklahoma counties|

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

3. noteDelaware 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

4. noteDelaware County, OK's covered employment was 0.7% 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

   • -0.7 % = 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

5. notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Delaware County, OK could not be lined up against the previous published period this run, so no change is printed for them.

   Show the arithmetic

   • not comparable this run: rent.latest, rent.momPct

   the two newest month columns in the published file are not the two this table carries

Read all 11 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.