Grady County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.02, -97.89.
Assembled 2026-10-06. Read the brief.
- 54th pct · 1,392nd of 3,063 US counties · median $234,566
- 89th pct · 9th of 77 Oklahoma counties · median $169,041
- 33rd pct · 5th of 7 counties in the Oklahoma City metro · median $253,856
- 73rd pct · 820th of 3,063 US counties · median +2.9%
- 72nd pct · 22nd of 77 Oklahoma counties · median +4.0%
- 100th pct · 1st of 7 counties in the Oklahoma City metro · median +0.9%
- 32nd pct · 938th of 1,399 US counties · median $1,496
- 57th pct · 12th of 27 Oklahoma counties · median $1,304
- 0th pct · 6th of 6 counties in the Oklahoma City metro · median $1,359
- 62nd pct · 1,193rd of 3,221 US counties · median 8,232
- 73rd pct · 21st of 77 Oklahoma counties · median 7,282
- 50th pct · 4th of 7 counties in the Oklahoma City metro · median 13,982
- 43rd pct · 1,825th of 3,221 US counties · median $1,039
- 63rd pct · 28th of 77 Oklahoma counties · median $968
- 66th pct · 3rd of 7 counties in the Oklahoma City metro · median $1,007
- 58th pct · 1,270th of 3,063 US counties · median 4.3
- 88th pct · 10th of 77 Oklahoma counties · median 3.4
- 33rd pct · 5th of 7 counties in the Oklahoma City metro · median 4.8
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 $246,431 (Aug 2026), +5.1% over one year, +33.6% over five
- 54th pct · 1,392nd of 3,063 US counties · median $234,566
- 89th pct · 9th of 77 Oklahoma counties · median $169,041
- 33rd pct · 5th of 7 counties in the Oklahoma City metro · median $253,856
| Item | Value | Distance |
|---|---|---|
| Grady County, OK | $246,431 · +5.1% 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 $1,326/mo (Aug 2026), +2.2% over one year; price-to-rent 15.5
- 32nd pct · 938th of 1,399 US counties · median $1,496
- 57th pct · 12th of 27 Oklahoma counties · median $1,304
- 0th pct · 6th of 6 counties in the Oklahoma City metro · median $1,359
| Item | Value | Distance |
|---|---|---|
| Grady County, OK | $1,326/mo · +2.2% 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 $1,349 a month on $246,431 at 7.28%, against an average weekly wage worth $4,377 a month: 30.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $246,431 × 80% = $197,145, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,349/mo principal and interest
- wage share = payment / (avg weekly wage $1,010 × 52 / 12 = $4,377) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $246,431 / ($1,010 × 52) = 4.7
- price-to-rent = $246,431 / ($1,326 × 12) = 15.5
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 #
13,982 jobs at 1,275 employers (2026 Q1); -0.5% jobs and +5.4% average weekly wage over the year
- 62nd pct · 1,193rd of 3,221 US counties · median 8,232
- 73rd pct · 21st of 77 Oklahoma counties · median 7,282
- 50th pct · 4th of 7 counties in the Oklahoma City metro · median 13,982
| Item | Value | Distance |
|---|---|---|
| Grady County, OK | 13,982 jobs · $1,010/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,710 | $1,070 | 1.52 | +4.5% |
| Retail trade | 1,499 | $697 | 1.10 | -3.7% |
| Construction | 1,365 | $1,255 | 1.86 | +7.6% |
| Accommodation and food services | 1,152 | $355 | 0.92 | -3.3% |
| Professional and technical services | 491 | $1,045 | 0.51 | +0.0% |
| Finance and insurance | 448 | $1,508 | 0.79 | -1.5% |
| Mining, oil and gas | 415 | $2,513 | 8.34 | +0.7% |
| Wholesale trade | 407 | $1,440 | 0.76 | -4.9% |
| Other services | 397 | $752 | 0.95 | -1.7% |
| Agriculture, forestry, fishing | 338 | $957 | 3.35 | -19.5% |
| Transportation and warehousing | 311 | $2,030 | 0.53 | -6.6% |
| Real estate and rental | 164 | $1,333 | 0.77 | +0.0% |
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 #
70 % of conservation capacity, weighted over 3 TWDB reservoirs
Sites found: 17, 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 |
|---|---|---|
| SCS Pond No. 26 near Cyril, OK | 168.6 Acre-ft (USGS, no capacity on file) | 35 km |
| Lake Humphreys near Duncan, OK | 10,930 Acre-ft (USGS, no capacity on file) | 49 km |
| Lake Ellsworth near Elgin, OK | 14,770 Acre-ft (USGS, no capacity on file) | 51 km |
| Lake Fuqua near Duncan, OK | 19,250 Acre-ft (USGS, no capacity on file) | 51 km |
| Lake Overholser near Oklahoma City, OK | 9,600 Acre-ft (USGS, no capacity on file) | 55 km |
| Stanley Draper Lake near Oklahoma City, OK | 83,100 Acre-ft (USGS, no capacity on file) | 59 km |
| Lake Lawtonka near Lawton, OK | 42,980 Acre-ft (USGS, no capacity on file) | 65 km |
| Lake Thunderbird near Norman, OK | 101,300 Acre-ft (USGS, no capacity on file) | 65 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 #
40 gauges · 0 flooding · 4 with quality panels averaging 56 % · 11 stale
Sites found: 40, 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.
| Site | Reading | Distance |
|---|---|---|
| North Canadian River blw Lk Overholser nr OKC, OK | flow 13.6 ft³/s · quality 50 % (3) | 55 km |
| North Canadian River near Calumet, OK | flow 104.0 ft³/s · quality 75 % (4) | 68 km |
| North Canadian River near El Reno, OK | flow 86.2 ft³/s · quality 50 % (2) | 61 km |
| North Canadian River near Yukon, OK | flow 135.0 ft³/s · quality 50 % (2) | 59 km |
| Little Washita River East of Ninnekah, OK | flow 4.84 ft³/s | 7 km |
| Washita River at Alex, OK | flow 496.0 ft³/s | 15 km |
| Boggy Creek near Ninnekah, OK | flow 0.01 ft³/s · STALE | 18 km |
| North Criner Creek near Criner, OK | flow 0.03 ft³/s | 28 km |
| Little Washita River Tributary near Cement, OK | flow 0.98 ft³/s · STALE | 29 km |
| Little Washita River near Cement, OK | flow 4.84 ft³/s | 30 km |
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 #
27 wells in 0 named aquifers:
Sites found: 27, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-345824097484201 | depth 22.8 ft · 2019-04-15 | 9 km |
| USGS-350514097593201 | depth 2.03 ft · 2019-06-11 | 12 km |
| USGS-345137097414501 | depth 13.8 ft · 2017-11-23 | 25 km |
| USGS-344656098031401 | depth 72.7 ft · 1993-10-03 | 31 km |
| USGS-344916097360001 | depth 19.3 ft · 2019-06-11 | 34 km |
| USGS-344821098134801 | depth 11.6 ft · 2018-05-09 | 39 km |
| USGS-345157098172201 | depth 16.9 ft · 2018-05-09 | 41 km |
| USGS-350153098212101 | depth 30.4 ft · 2018-05-09 | 43 km |
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 (0.62)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 + 0.3×0.30 + 0.2×0.44 / 0.85
Banks & federal dollars #
$1.4 bn in deposits at 17 offices of 12 banks (SOD June 2026); HHI 2,464, highly concentrated. $365.7 m federal obligations in FY2026 (direct payments $352.0 m, grants $12.6 m), $26,157 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank and Trust Co., Chickasha, Oklahoma | $637.9 m · 44.1% share · 5 offices | |
| Liberty National Bank | $232.7 m · 16.1% share · 1 office | |
| MidFirst Bank | $162.8 m · 11.3% share · 1 office | |
| Grady, OK | $365.7 m FY2026 · $26,157/job | |
| MULTIPLE RECIPIENTS | $326.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank and Trust Co., Chickasha, Oklahoma | $637,866,000 | 44.1% | 5 |
| Liberty National Bank | $232,719,000 | 16.1% | 1 |
| MidFirst Bank | $162,771,000 | 11.3% | 1 |
| Arvest Bank | $87,427,000 | 6.0% | 1 |
| Sooner State Bank | $79,297,000 | 5.5% | 1 |
| Great Plains National Bank | $74,566,000 | 5.2% | 1 |
| Simmons Bank | $70,760,000 | 4.9% | 1 |
| COMMUNITY BANK OF OKLAHOMA | $43,242,000 | 3.0% | 2 |
| Bank of Commerce | $29,578,000 | 2.0% | 1 |
| International Bank of Commerce | $19,428,000 | 1.3% | 1 |
Deposit concentration is 2,464 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 44.1² + 16.1² + 11.3² + … (9 more) = 2,464
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 | $270,299,428 |
| Department of Veterans Affairs | $54,288,911 |
| Department of the Interior | $17,042,744 |
| Department of Transportation | $14,578,740 |
| Department of Education | $4,344,101 |
| Department of Agriculture | $3,880,091 |
| Railroad Retirement Board | $1,705,898 |
| Department of Housing and Urban Development | $1,005,782 |
| Federal Communications Commission | $864,331 |
| Department of Justice | $500,000 |
| Department of Defense | $48,473 |
| Small Business Administration | $0 |
That is $26,157 per covered job, against 13,982 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $365.7 m / 13,982 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,157
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 #
Grady County, OK: 10 findings, 3 at a watch level and 7 noted
watchGrady County, OK's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchGrady County, OK's price-to-rent ratio of 15.5 scores 33 on the 0-to-100 scale across US counties but 85 across Oklahoma counties, a gap of 51 points.
Period 2026-08.Show the arithmetic
- 51 = |33 across US counties - 85 across Oklahoma counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchGrady County, OK's typical home value of $246,431 scores 55 on the 0-to-100 scale across US counties but 89 across Oklahoma counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |55 across US counties - 89 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteGrady County, OK's average weekly wage was 5.4% 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
- +5.4 % = 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
noteGrady County, OK's typical asking rent fell 0.9% from $1,337 in July 2026 to $1,326 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.9% = (1325.5 - 1337.1818974776745) / 1337.1818974776745 × 100
- 1325.5 = Zillow ZORI, 2026-08
- 1337.1818974776745 = Zillow ZORI, 2026-07
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.