Love County, OK

Home values #

Typical home $200,856 (Aug 2026), -1.6% over one year, +22.4% over five

• 37th pct · 1,925th of 3,063 US counties · median $234,566
• 73rd pct · 21st 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 #

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 $1,099 a month on $200,856 at 7.28%, against an average weekly wage worth $3,913 a month: 28.1% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $200,856 × 80% = $160,684, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,099/mo principal and interest
• wage share = payment / (avg weekly wage $903 × 52 / 12 = $3,913) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $200,856 / ($903 × 52) = 4.3

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 #

5,110 jobs at 252 employers (2026 Q1); +1.3% jobs and +0.2% average weekly wage over the year

• 37th pct · 2,006th of 3,221 US counties · median 8,232
• 43rd pct · 44th 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 #

87 % of conservation capacity, weighted over 24 TWDB reservoirs

Sites found: 36, 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 #

28 gauges · 0 flooding · 1 with quality panels averaging 75 % · 8 stale

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 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 #

16 wells in 4 named aquifers: Arbuckle-Simpson aquifer, Alluvial aquifers, Edwards-Trinity aquifer system…

Sites found: 16, 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 (0.41)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.13 + 0.2×0.25 / 0.85

Banks & federal dollars #

$149.2 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,065, highly concentrated. $68.0 m federal obligations in FY2026 (direct payments $63.8 m, grants $3.4 m), $13,300 per covered job

Deposit concentration is 4,065 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 3 banks with deposits in the county = 52.4² + 33.5² + 14.1² = 4,065

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 $13,300 per covered job, against 5,110 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $68.0 m / 5,110 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,300

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 #

Love County, OK: 7 findings, 3 at a watch level and 4 noted

1. watchLove County, OK's typical home value is -1.6% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.

   Period 2026-08.
   Show the arithmetic

   • test: home.yoyPct = -1.5583145203647977 < 0

   arithmetic on Zillow ZHVI, county and metro files; not an official level

2. watchLove County, OK's typical home value of $200,856 scores 37 on the 0-to-100 scale across US counties but 74 across Oklahoma counties, a gap of 37 points.

   Period 2026-08.
   Show the arithmetic

   • 37 = |37 across US counties - 74 across Oklahoma counties|

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

3. watchLove County, OK's years of wages of 4.3 scores 50 on the 0-to-100 scale across US counties but 83 across Oklahoma counties, a gap of 33 points.

   Period 2026-08.
   Show the arithmetic

   • 33 = |50 across US counties - 83 across Oklahoma counties|
   • 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

4. noteLove County, OK's covered employment was 1.3% 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

   • +1.3 % = 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. noteLove County, OK's average weekly wage was 0.2% 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

   • +0.2 % = 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

Read all 7 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.