Grant County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.79, -97.79.
Assembled 2026-10-06. Read the brief.
- 4th pct · 2,914th of 3,063 US counties · median $234,566
- 17th pct · 64th of 77 Oklahoma counties · median $169,041
- 78th pct · 672nd of 3,063 US counties · median +2.9%
- 80th pct · 16th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 9th pct · 2,908th of 3,221 US counties · median 8,232
- 13th pct · 67th of 77 Oklahoma counties · median 7,282
- 73rd pct · 868th of 3,221 US counties · median $1,039
- 91st pct · 7th of 77 Oklahoma counties · median $968
- 2nd pct · 2,978th of 3,063 US counties · median 4.3
- 9th pct · 70th 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 $112,752 (Aug 2026), +5.8% over one year, +6.4% over five
- 4th pct · 2,914th of 3,063 US counties · median $234,566
- 17th pct · 64th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Grant County, OK | $112,752 · +5.8% 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 $617 a month on $112,752 at 7.28%, against an average weekly wage worth $5,083 a month: 12.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $112,752 × 80% = $90,202, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $617/mo principal and interest
- wage share = payment / (avg weekly wage $1,173 × 52 / 12 = $5,083) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $112,752 / ($1,173 × 52) = 1.8
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 #
1,350 jobs at 151 employers (2026 Q1); +8.0% jobs and +1.2% average weekly wage over the year
- 9th pct · 2,908th of 3,221 US counties · median 8,232
- 13th pct · 67th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Grant County, OK | 1,350 jobs · $1,173/wk · +8.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Mining, oil and gas | 115 | $1,733 | 23.92 | +4.5% |
| Wholesale trade | 96 | $1,147 | 1.86 | +15.7% |
| Construction | 65 | $1,268 | 0.92 | -16.7% |
| Administrative and waste services | 53 | $1,212 | 0.69 | +278.6% |
| Manufacturing | 37 | $537 | 0.34 | +208.3% |
| Agriculture, forestry, fishing | 35 | $671 | 3.59 | -14.6% |
| Professional and technical services | 35 | $1,295 | 0.38 | +9.4% |
| Accommodation and food services | 28 | $348 | 0.23 | -6.7% |
| Other services | 12 | $932 | 0.30 | +20.0% |
| Retail trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld |
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 #
$233.6 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,300, highly concentrated. $40.2 m federal obligations in FY2026 (direct payments $39.4 m, grants $732,858), $29,754 per covered job
| Item | Value | Distance |
|---|---|---|
| The State Exchange Bank | $78.6 m · 33.6% share · 1 office | |
| Grant County Bank | $49.2 m · 21.1% share · 1 office | |
| Bank 7 | $43.1 m · 18.5% share · 1 office | |
| Grant, OK | $40.2 m FY2026 · $29,754/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The State Exchange Bank | $78,585,000 | 33.6% | 1 |
| Grant County Bank | $49,168,000 | 21.1% | 1 |
| Bank 7 | $43,139,000 | 18.5% | 1 |
| The First State Bank of Pond Creek, Oklahoma | $39,328,000 | 16.8% | 1 |
| Gateway First Bank | $23,357,000 | 10.0% | 1 |
Deposit concentration is 2,300 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 = 33.6² + 21.1² + 18.5² + … (2 more) = 2,300
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 | $22,604,170 |
| Department of Agriculture | $14,801,919 |
| Department of Veterans Affairs | $1,933,968 |
| Department of Transportation | $587,095 |
| Railroad Retirement Board | $153,196 |
| Department of Education | $85,206 |
| Federal Communications Commission | $7,239 |
| Small Business Administration | $0 |
| Department of the Treasury | -$4,535 |
That is $29,754 per covered job, against 1,350 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $40.2 m / 1,350 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,754
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 #
Grant County, OK: 11 findings, 11 noted
noteGrant County, OK's covered employment was 8.0% 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
- +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
noteGrant County, OK's average weekly wage was 1.2% 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
- +1.2 % = 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
noteGrant County, OK's covered employment of +8.0% ranks 3rd of 77 Oklahoma counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 77 Oklahoma counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteGrant County, OK's years of wages of 1.8 ranks 2,978th of 3,063 US counties, against a median of 4.3.
Period 2026-08.Show the arithmetic
- 3 on the 0-to-100 scale across 3063 US counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteGrant County, OK's covered employment of +8.0% ranks 90th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
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.