Garvin County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.71, -97.31.
Assembled 2026-10-06. Read the brief.
- 16th pct · 2,557th of 3,063 US counties · median $234,566
- 40th pct · 46th of 77 Oklahoma counties · median $169,041
- 64th pct · 1,086th of 3,063 US counties · median +2.9%
- 55th pct · 35th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 52nd pct · 1,517th of 3,221 US counties · median 8,232
- 55th pct · 35th of 77 Oklahoma counties · median 7,282
- 65th pct · 1,101st of 3,221 US counties · median $1,039
- 85th pct · 12th of 77 Oklahoma counties · median $968
- 12th pct · 2,692nd of 3,063 US counties · median 4.3
- 27th pct · 56th 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 $151,931 (Aug 2026), +4.3% over one year, +33.6% over five
- 16th pct · 2,557th of 3,063 US counties · median $234,566
- 40th pct · 46th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Garvin County, OK | $151,931 · +4.3% 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 $832 a month on $151,931 at 7.28%, against an average weekly wage worth $4,849 a month: 17.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $151,931 × 80% = $121,545, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $832/mo principal and interest
- wage share = payment / (avg weekly wage $1,119 × 52 / 12 = $4,849) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $151,931 / ($1,119 × 52) = 2.6
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 #
9,240 jobs at 824 employers (2026 Q1); -2.6% jobs and +0.8% average weekly wage over the year
- 52nd pct · 1,517th of 3,221 US counties · median 8,232
- 55th pct · 35th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Garvin County, OK | 9,240 jobs · $1,119/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 1,494 | $1,298 | 3.84 | -7.3% |
| Retail trade | 1,191 | $844 | 1.32 | -6.1% |
| Manufacturing | 896 | $1,940 | 1.21 | -3.2% |
| Health care and social assistance | 879 | $923 | 0.63 | +0.0% |
| Construction | 665 | $1,443 | 1.37 | +13.9% |
| Mining, oil and gas | 520 | $1,383 | 15.81 | -2.8% |
| Professional and technical services | 323 | $1,306 | 0.51 | +12.2% |
| Wholesale trade | 242 | $1,486 | 0.68 | +3.0% |
| Finance and insurance | 218 | $1,166 | 0.58 | -2.7% |
| Other services | 101 | $1,024 | 0.37 | +7.4% |
| Agriculture, forestry, fishing | 99 | $731 | 1.48 | +1.0% |
| Real estate and rental | 65 | $1,347 | 0.46 | +3.2% |
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 #
Surface water layer not loaded
Sites found: 5, 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 |
|---|---|---|
| Lake Nocona (Farmer's Creek) | 74 % full · 21k ac-ft | 97 km |
| Moss Lake | 100 % full · 24k ac-ft | 104 km |
| Lake Texoma | 94 % full · 1,244k ac-ft | 120 km |
| Lake Arrowhead | 70 % full · 230k ac-ft | 143 km |
| Lake Amon G Carter | 81 % full · 19k ac-ft | 146 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 #
moderate (0.45)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.10 / 0.65
Banks & federal dollars #
$1.1 bn in deposits at 18 offices of 11 banks (SOD June 2026); HHI 1,751, moderately concentrated. $200.6 m federal obligations in FY2026 (direct payments $178.8 m, grants $20.8 m), $21,706 per covered job
| Item | Value | Distance |
|---|---|---|
| The Pauls Valley National Bank | $287.3 m · 26.8% share · 5 offices | |
| Old Glory Bank | $268.7 m · 25.0% share · 1 office | |
| First United Bank and Trust Company | $156.1 m · 14.6% share · 3 offices | |
| Garvin, OK | $200.6 m FY2026 · $21,706/job | |
| MULTIPLE RECIPIENTS | $174.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Pauls Valley National Bank | $287,319,000 | 26.8% | 5 |
| Old Glory Bank | $268,655,000 | 25.0% | 1 |
| First United Bank and Trust Company | $156,104,000 | 14.6% | 3 |
| The State Bank of Wynnewood | $95,807,000 | 8.9% | 1 |
| American Exchange Bank, Lindsay, Oklahoma | $85,708,000 | 8.0% | 1 |
| First Bank & Trust Co. | $40,571,000 | 3.8% | 1 |
| BancFirst | $39,313,000 | 3.7% | 1 |
| International Bank of Commerce | $33,450,000 | 3.1% | 2 |
| Simmons Bank | $26,017,000 | 2.4% | 1 |
| Chickasaw Community Bank | $20,057,000 | 1.9% | 1 |
Deposit concentration is 1,751 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 26.8² + 25.0² + 14.6² + … (8 more) = 1,751
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 | $144,173,595 |
| Department of Veterans Affairs | $29,660,920 |
| Department of Transportation | $13,721,270 |
| Environmental Protection Agency | $4,000,000 |
| Department of Agriculture | $3,176,158 |
| Department of Health and Human Services | $1,926,914 |
| Department of Housing and Urban Development | $1,006,860 |
| Federal Communications Commission | $891,406 |
| Department of the Interior | $804,934 |
| Department of Education | $648,295 |
| Railroad Retirement Board | $537,947 |
| Department of Homeland Security | $17,200 |
That is $21,706 per covered job, against 9,240 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $200.6 m / 9,240 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,706
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 #
Garvin County, OK: 4 findings, 1 at a watch level and 3 noted
watchGarvin County, OK's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGarvin County, OK's covered employment was 2.6% 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
- -2.6 % = 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
noteGarvin County, OK's average weekly wage was 0.8% 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
- +0.8 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Garvin 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.