McClain County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.02, -97.45.
Assembled 2026-10-07. Read the brief.
- 65th pct · 1,044th of 3,063 US counties · median $234,566
- 96th pct · 4th of 77 Oklahoma counties · median $169,041
- 83rd pct · 2nd of 7 counties in the Oklahoma City metro · median $253,856
- 25th pct · 2,287th of 3,063 US counties · median +2.9%
- 18th pct · 63rd of 77 Oklahoma counties · median +4.0%
- 16th pct · 6th of 7 counties in the Oklahoma City metro · median +0.9%
- 64th pct · 500th of 1,399 US counties · median $1,496
- 100th pct · 1st of 27 Oklahoma counties · median $1,304
- 100th pct · 1st of 6 counties in the Oklahoma City metro · median $1,359
- 60th pct · 1,263rd of 3,221 US counties · median 8,232
- 72nd pct · 22nd of 77 Oklahoma counties · median 7,282
- 33rd pct · 5th of 7 counties in the Oklahoma City metro · median 13,982
- 35th pct · 2,060th of 3,221 US counties · median $1,039
- 51st pct · 38th of 77 Oklahoma counties · median $968
- 16th pct · 6th of 7 counties in the Oklahoma City metro · median $1,007
- 74th pct · 789th of 3,063 US counties · median 4.3
- 97th pct · 3rd of 77 Oklahoma counties · median 3.4
- 83rd pct · 2nd 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 $285,863 (Aug 2026), +0.5% over one year, +21.6% over five
- 65th pct · 1,044th of 3,063 US counties · median $234,566
- 96th pct · 4th of 77 Oklahoma counties · median $169,041
- 83rd pct · 2nd of 7 counties in the Oklahoma City metro · median $253,856
| Item | Value | Distance |
|---|---|---|
| McClain County, OK | $285,863 · +0.5% 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 #
Typical rent $1,672/mo (Aug 2026), +4.5% over one year; price-to-rent 14.2
- 64th pct · 500th of 1,399 US counties · median $1,496
- 100th pct · 1st of 27 Oklahoma counties · median $1,304
- 100th pct · 1st of 6 counties in the Oklahoma City metro · median $1,359
| Item | Value | Distance |
|---|---|---|
| McClain County, OK | $1,672/mo · +4.5% 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 $1,565 a month on $285,863 at 7.28%, against an average weekly wage worth $4,229 a month: 37.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $285,863 × 80% = $228,691, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,565/mo principal and interest
- wage share = payment / (avg weekly wage $976 × 52 / 12 = $4,229) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $285,863 / ($976 × 52) = 5.6
- price-to-rent = $285,863 / ($1,672 × 12) = 14.2
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 #
12,753 jobs at 1,352 employers (2026 Q1); +1.8% jobs and +6.7% average weekly wage over the year
- 60th pct · 1,263rd of 3,221 US counties · median 8,232
- 72nd pct · 22nd of 77 Oklahoma counties · median 7,282
- 33rd pct · 5th of 7 counties in the Oklahoma City metro · median 13,982
| Item | Value | Distance |
|---|---|---|
| McClain County, OK | 12,753 jobs · $976/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,882 | $465 | 1.64 | +0.1% |
| Construction | 1,529 | $1,180 | 2.29 | -4.2% |
| Retail trade | 1,490 | $649 | 1.20 | +0.1% |
| Health care and social assistance | 874 | $780 | 0.46 | +4.3% |
| Professional and technical services | 793 | $1,354 | 0.90 | +58.3% |
| Manufacturing | 601 | $1,224 | 0.59 | +2.6% |
| Finance and insurance | 461 | $1,475 | 0.89 | +1.5% |
| Mining, oil and gas | 402 | $2,641 | 8.85 | -2.7% |
| Agriculture, forestry, fishing | 195 | $831 | 2.12 | +2.6% |
| Administrative and waste services | 190 | $1,257 | 0.26 | +0.0% |
| Wholesale trade | 144 | $1,502 | 0.29 | +14.3% |
| Real estate and rental | 71 | $905 | 0.36 | -5.3% |
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 #
88 % of conservation capacity, weighted over 2 TWDB reservoirs
Sites found: 14, 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 Thunderbird near Norman, OK | 101,200 Acre-ft (USGS, no capacity on file) | 31 km |
| Stanley Draper Lake near Oklahoma City, OK | 83,050 Acre-ft (USGS, no capacity on file) | 36 km |
| Lake Fuqua near Duncan, OK | 19,230 Acre-ft (USGS, no capacity on file) | 51 km |
| Shawnee Reservoir at Shawnee, OK | 22,650 Acre-ft (USGS, no capacity on file) | 51 km |
| Lake Overholser near Oklahoma City, OK | 9,600 Acre-ft (USGS, no capacity on file) | 56 km |
| Lake Humphreys near Duncan, OK | 10,940 Acre-ft (USGS, no capacity on file) | 62 km |
| Lake Hefner at Oklahoma City, OK | 59,820 Acre-ft (USGS, no capacity on file) | 64 km |
| SCS Pond No. 26 near Cyril, OK | 168.6 Acre-ft (USGS, no capacity on file) | 73 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 68 % · 13 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 near Yukon, OK | flow 124.0 ft³/s · quality 50 % (2) | 64 km |
| North Canadian River blw Lk Overholser nr OKC, OK | flow 13.0 ft³/s · quality 50 % (3) | 55 km |
| Walnut Creek at Purcell, OK | flow 1.83 ft³/s | 8 km |
| Canadian River at Purcell, OK | flow 78.2 ft³/s | 9 km |
| North Criner Creek near Criner, OK | flow 0.05 ft³/s | 13 km |
| Canadian River at Norman, OK | flow 80.1 ft³/s | 20 km |
| Washington Creek near Pauls Valley, OK | flow 1.40 ft³/s · STALE | 31 km |
| Washita River at Alex, OK | flow 519.0 ft³/s | 31 km |
| Little River blw Lk Thunderbird nr Norman, OK | flow 0.42 ft³/s | 31 km |
| Washita River near Pauls Valley, OK | flow 24.3 ft³/s | 34 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 #
25 wells in 2 named aquifers: Arbuckle-Simpson aquifer, Alluvial aquifers
Sites found: 25, 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-345740097210801 | depth 16.0 ft · 2016-04-03 | 11 km |
| USGS-351004097270101 | depth 1.57 ft · 2016-04-03 | 17 km |
| USGS-344916097360001 | depth 19.3 ft · 2019-06-11 | 26 km |
| USGS-345137097414501 | depth 13.8 ft · 2017-11-23 | 28 km |
| USGS-344704097183601 | depth 13.7 ft · 2019-06-11 | 29 km |
| USGS-351632097291801 | depth 283.2 ft · 2013-12-06 | 29 km |
| USGS-351722097313601 | depth 11.4 ft · 2016-04-03 | 31 km |
| USGS-345824097484201 | depth 22.8 ft · 2019-04-15 | 33 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 #
moderate (0.43)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.12 + 0.2×0.32 / 0.85
Banks & federal dollars #
$905.6 m in deposits at 13 offices of 8 banks (SOD June 2026); HHI 1,855, highly concentrated. $343.6 m federal obligations in FY2026 (direct payments $310.9 m, grants $32.4 m), $26,946 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank and Trust Co., Chickasha, Oklahoma | $216.0 m · 23.9% share · 3 offices | |
| First United Bank and Trust Company | $201.6 m · 22.3% share · 1 office | |
| McClain Bank | $194.5 m · 21.5% share · 2 offices | |
| McClain, OK | $343.6 m FY2026 · $26,946/job | |
| MULTIPLE RECIPIENTS | $308.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank and Trust Co., Chickasha, Oklahoma | $216,046,000 | 23.9% | 3 |
| First United Bank and Trust Company | $201,643,000 | 22.3% | 1 |
| McClain Bank | $194,460,000 | 21.5% | 2 |
| Legacy Bank | $137,318,000 | 15.2% | 2 |
| Sooner State Bank | $68,039,000 | 7.5% | 2 |
| Liberty National Bank | $54,253,000 | 6.0% | 1 |
| International Bank of Commerce | $17,727,000 | 2.0% | 1 |
| COMMUNITY BANK OF OKLAHOMA | $16,113,000 | 1.8% | 1 |
Deposit concentration is 1,855 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 23.9² + 22.3² + 21.5² + … (5 more) = 1,855
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 | $224,083,454 |
| Department of Veterans Affairs | $82,243,723 |
| Department of Transportation | $32,049,682 |
| Department of Agriculture | $2,135,502 |
| Railroad Retirement Board | $1,647,276 |
| Department of Education | $594,825 |
| Federal Communications Commission | $457,445 |
| Department of Health and Human Services | $424,995 |
| Department of Housing and Urban Development | $8,727 |
| Small Business Administration | $0 |
| National Credit Union Administration | -$4,955 |
That is $26,946 per covered job, against 12,753 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $343.6 m / 12,753 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,946
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 #
McClain County, OK: 13 findings, 3 at a watch level and 10 noted
watchMcClain County, OK's typical asking rent of $1,672 scores 64 on the 0-to-100 scale across US counties but 100 across Oklahoma counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |64 across US counties - 100 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
watchMcClain County, OK's price-to-rent ratio of 14.2 scores 21 on the 0-to-100 scale across US counties but 54 across Oklahoma counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |21 across US counties - 54 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
watchMcClain County, OK's typical home value of $285,863 scores 66 on the 0-to-100 scale across US counties but 96 across Oklahoma counties, a gap of 30 points.
Period 2026-08.Show the arithmetic
- 30 = |66 across US counties - 96 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteMcClain County, OK's average weekly wage was 6.7% 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
- +6.7 % = 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
noteMcClain County, OK's covered employment was 1.8% 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
- +1.8 % = 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
Read all 12 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.