Major County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.31, -98.54.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,282nd of 3,063 US counties · median $234,566
- 55th pct · 35th of 77 Oklahoma counties · median $169,041
- 91st pct · 247th of 3,063 US counties · median +2.9%
- 93rd pct · 6th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 15th pct · 2,712th of 3,221 US counties · median 8,232
- 19th pct · 62nd of 77 Oklahoma counties · median 7,282
- 31st pct · 2,190th of 3,221 US counties · median $1,039
- 43rd pct · 44th of 77 Oklahoma counties · median $968
- 31st pct · 2,092nd of 3,063 US counties · median 4.3
- 56th pct · 34th 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 $174,577 (Aug 2026), +8.3% over one year, +29.6% over five
- 25th pct · 2,282nd of 3,063 US counties · median $234,566
- 55th pct · 35th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Major County, OK | $174,577 · +8.3% 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 $956 a month on $174,577 at 7.28%, against an average weekly wage worth $4,160 a month: 23.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $174,577 × 80% = $139,661, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $956/mo principal and interest
- wage share = payment / (avg weekly wage $960 × 52 / 12 = $4,160) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $174,577 / ($960 × 52) = 3.5
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 #
1,956 jobs at 246 employers (2026 Q1); -5.2% jobs and -11.3% average weekly wage over the year
- 15th pct · 2,712th of 3,221 US counties · median 8,232
- 19th pct · 62nd of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Major County, OK | 1,956 jobs · $960/wk · -5.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 303 | $470 | 1.59 | -2.3% |
| Mining, oil and gas | 292 | $1,536 | 41.93 | -11.0% |
| Health care and social assistance | 252 | $847 | 0.86 | -1.6% |
| Agriculture, forestry, fishing | 163 | $1,118 | 11.54 | -4.7% |
| Construction | 106 | $1,063 | 1.03 | +19.1% |
| Transportation and warehousing | 90 | $1,379 | 1.09 | -6.2% |
| Manufacturing | 68 | $928 | 0.43 | -5.6% |
| Wholesale trade | 68 | $1,005 | 0.91 | +0.0% |
| Accommodation and food services | 62 | $441 | 0.35 | -18.4% |
| Professional and technical services | 37 | $849 | 0.27 | -17.8% |
| Administrative and waste services | 28 | $1,262 | 0.25 | -9.7% |
| Utilities | 16 | $3,214 | 2.07 | +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 #
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 #
severe (1.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×1.00 / 0.35
Banks & federal dollars #
$262.4 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 2,855, highly concentrated. $49.4 m federal obligations in FY2026 (direct payments $48.8 m, grants $531,928), $25,247 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers and Merchants National Bank of Fairview | $103.2 m · 39.3% share · 1 office | |
| Cleo State Bank | $70.6 m · 26.9% share · 2 offices | |
| Fairview Savings and Loan Association | $51.4 m · 19.6% share · 1 office | |
| Major, OK | $49.4 m FY2026 · $25,247/job | |
| MULTIPLE RECIPIENTS | $43.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers and Merchants National Bank of Fairview | $103,192,000 | 39.3% | 1 |
| Cleo State Bank | $70,600,000 | 26.9% | 2 |
| Fairview Savings and Loan Association | $51,364,000 | 19.6% | 1 |
| F&M Bank | $37,279,000 | 14.2% | 1 |
Deposit concentration is 2,855 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 39.3² + 26.9² + 19.6² + … (1 more) = 2,855
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 | $39,915,908 |
| Department of Agriculture | $4,721,066 |
| Department of Veterans Affairs | $3,846,936 |
| Department of Justice | $452,695 |
| Department of Housing and Urban Development | $410,543 |
| Railroad Retirement Board | $153,692 |
| Department of Education | $75,369 |
| Federal Communications Commission | $35,628 |
| Small Business Administration | $0 |
| Department of Transportation | -$229,500 |
That is $25,247 per covered job, against 1,956 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $49.4 m / 1,956 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,247
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 #
Major County, OK: 14 findings, 1 at an alert level, 3 at a watch level and 10 noted
alertMajor County, OK's covered employment is -5.2% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -5.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMajor County, OK's average weekly wage is -11.3% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -11.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchMajor County, OK's covered employment is -5.2% 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 = -5.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMajor County, OK's momentum index is -0.35, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, 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: momentum = -0.35339411287763517 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
noteMajor County, OK's average weekly wage was 11.3% lower 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
- -11.3 % = 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
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.