Lincoln County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.70, -96.88.
Assembled 2026-10-06. Read the brief.
- 33rd pct · 2,043rd of 3,063 US counties · median $234,566
- 65th pct · 27th of 77 Oklahoma counties · median $169,041
- 0th pct · 7th of 7 counties in the Oklahoma City metro · median $253,856
- 67th pct · 1,010th of 3,063 US counties · median +2.9%
- 61st pct · 30th of 77 Oklahoma counties · median +4.0%
- 83rd pct · 2nd of 7 counties in the Oklahoma City metro · median +0.9%
- US counties: not published this period
- Oklahoma counties: not published this period
- counties in the Oklahoma City metro: not published this period
- 48th pct · 1,654th of 3,221 US counties · median 8,232
- 51st pct · 38th of 77 Oklahoma counties · median 7,282
- 0th pct · 7th of 7 counties in the Oklahoma City metro · median 13,982
- 40th pct · 1,909th of 3,221 US counties · median $1,039
- 57th pct · 33rd of 77 Oklahoma counties · median $968
- 33rd pct · 5th of 7 counties in the Oklahoma City metro · median $1,007
- 36th pct · 1,953rd of 3,063 US counties · median 4.3
- 64th pct · 28th of 77 Oklahoma counties · median 3.4
- 16th pct · 6th 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 $191,284 (Aug 2026), +4.5% over one year, +28.3% over five
- 33rd pct · 2,043rd of 3,063 US counties · median $234,566
- 65th pct · 27th of 77 Oklahoma counties · median $169,041
- 0th pct · 7th of 7 counties in the Oklahoma City metro · median $253,856
| Item | Value | Distance |
|---|---|---|
| Lincoln County, OK | $191,284 · +4.5% 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
- counties in the Oklahoma City metro: 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 $1,047 a month on $191,284 at 7.28%, against an average weekly wage worth $4,325 a month: 24.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $191,284 × 80% = $153,027, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,047/mo principal and interest
- wage share = payment / (avg weekly wage $998 × 52 / 12 = $4,325) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $191,284 / ($998 × 52) = 3.7
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 #
7,780 jobs at 736 employers (2026 Q1); +3.4% jobs and +1.1% average weekly wage over the year
- 48th pct · 1,654th of 3,221 US counties · median 8,232
- 51st pct · 38th of 77 Oklahoma counties · median 7,282
- 0th pct · 7th of 7 counties in the Oklahoma City metro · median 13,982
| Item | Value | Distance |
|---|---|---|
| Lincoln County, OK | 7,780 jobs · $998/wk · +3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 915 | $719 | 1.21 | -0.4% |
| Construction | 903 | $1,577 | 2.21 | +7.8% |
| Health care and social assistance | 627 | $972 | 0.54 | -10.0% |
| Manufacturing | 605 | $1,030 | 0.97 | -5.9% |
| Finance and insurance | 473 | $1,408 | 1.49 | -3.7% |
| Professional and technical services | 403 | $1,112 | 0.75 | +10.7% |
| Transportation and warehousing | 322 | $1,185 | 0.98 | +13.4% |
| Agriculture, forestry, fishing | 96 | $835 | 1.71 | +17.1% |
| Mining, oil and gas | 74 | $1,194 | 2.67 | -21.3% |
| Information | 65 | $1,177 | 0.45 | +25.0% |
| Other services | 58 | $798 | 0.25 | -24.7% |
| Real estate and rental | 22 | $1,272 | 0.18 | +4.8% |
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: 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 (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$797.1 m in deposits at 11 offices of 5 banks (SOD June 2026); HHI 5,025, highly concentrated. $252.0 m federal obligations in FY2026 (direct payments $234.9 m, grants $12.2 m), $32,394 per covered job
| Item | Value | Distance |
|---|---|---|
| BancFirst | $541.2 m · 67.9% share · 5 offices | |
| Vision Bank | $142.4 m · 17.9% share · 2 offices | |
| First Bank & Trust Co. | $73.2 m · 9.2% share · 2 offices | |
| Lincoln, OK | $252.0 m FY2026 · $32,394/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| BancFirst | $541,155,000 | 67.9% | 5 |
| Vision Bank | $142,396,000 | 17.9% | 2 |
| First Bank & Trust Co. | $73,216,000 | 9.2% | 2 |
| The Payne County Bank | $24,284,000 | 3.0% | 1 |
| International Bank of Commerce | $16,096,000 | 2.0% | 1 |
Deposit concentration is 5,025 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 = 67.9² + 17.9² + 9.2² + … (2 more) = 5,025
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 #
That is $32,394 per covered job, against 7,780 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $252.0 m / 7,780 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,394
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Lincoln County, OK: 8 findings, 1 at a watch level and 7 noted
watchLincoln County, OK's typical home value of $191,284 scores 33 on the 0-to-100 scale across US counties but 66 across Oklahoma counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |33 across US counties - 66 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteLincoln County, OK's covered employment was 3.4% 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
- +3.4 % = 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
noteLincoln County, OK's average weekly wage was 1.1% 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
- +1.1 % = 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
noteLincoln County, OK's typical home value of $191,284 ranks 7th of 7 counties in the Oklahoma City metro, against a median of $253,856.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 7 counties in the Oklahoma City metro that published home.latest
position among the entities that published this metric this period; not an official level
noteLincoln County, OK's covered employment of 7,780 ranks 7th of 7 counties in the Oklahoma City metro, against a median of 13,982.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 7 counties in the Oklahoma City metro that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 8 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.