Marshall County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.03, -96.77.
Assembled 2026-10-06. Read the brief.
- 41st pct · 1,807th of 3,063 US counties · median $234,566
- 76th pct · 19th of 77 Oklahoma counties · median $169,041
- 73rd pct · 825th of 3,063 US counties · median +2.9%
- 71st pct · 23rd of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 39th pct · 1,937th of 3,221 US counties · median 8,232
- 46th pct · 42nd of 77 Oklahoma counties · median 7,282
- 37th pct · 2,015th of 3,221 US counties · median $1,039
- 55th pct · 35th of 77 Oklahoma counties · median $968
- 47th pct · 1,619th of 3,063 US counties · median 4.3
- 73rd pct · 21st 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 $211,355 (Aug 2026), +5.1% over one year, +22.0% over five
- 41st pct · 1,807th of 3,063 US counties · median $234,566
- 76th pct · 19th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Marshall County, OK | $211,355 · +5.1% 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 $1,157 a month on $211,355 at 7.28%, against an average weekly wage worth $4,255 a month: 27.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $211,355 × 80% = $169,084, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,157/mo principal and interest
- wage share = payment / (avg weekly wage $982 × 52 / 12 = $4,255) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $211,355 / ($982 × 52) = 4.1
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 #
5,528 jobs at 373 employers (2026 Q1); +3.5% jobs and +1.7% average weekly wage over the year
- 39th pct · 1,937th of 3,221 US counties · median 8,232
- 46th pct · 42nd of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Marshall County, OK | 5,528 jobs · $982/wk · +3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,116 | $1,191 | 4.76 | +5.0% |
| Retail trade | 578 | $652 | 1.07 | -1.5% |
| Accommodation and food services | 439 | $329 | 0.88 | -2.2% |
| Health care and social assistance | 375 | $1,061 | 0.45 | +1.6% |
| Construction | 214 | $1,057 | 0.74 | +0.0% |
| Administrative and waste services | 183 | $1,349 | 0.58 | +72.6% |
| Wholesale trade | 106 | $1,017 | 0.50 | +9.3% |
| Finance and insurance | 95 | $1,052 | 0.42 | +1.1% |
| Arts, entertainment and recreation | 71 | $848 | 0.78 | +1.4% |
| Other services | 71 | $704 | 0.43 | +0.0% |
| Mining, oil and gas | 42 | $1,885 | 2.13 | +0.0% |
| Real estate and rental | 34 | $2,001 | 0.40 | +13.3% |
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 #
Surface water layer not loaded
Sites found: 18, 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 Texoma | 94 % full · 1,244k ac-ft | 30 km |
| Moss Lake | 100 % full · 24k ac-ft | 50 km |
| Lake Bonham | 78 % full · 11k ac-ft | 70 km |
| Ray Roberts Lake | 95 % full · 788k ac-ft | 79 km |
| Bois d'Arc Lake | 90 % full · 368k ac-ft | 82 km |
| Lake Nocona (Farmer's Creek) | 74 % full · 21k ac-ft | 83 km |
| Lewisville Lake | 84 % full · 563k ac-ft | 108 km |
| Lavon Lake | 81 % full · 410k ac-ft | 114 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 #
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 #
moderate (0.46)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.13 / 0.65
Banks & federal dollars #
$425.3 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 3,580, highly concentrated. $139.5 m federal obligations in FY2026 (direct payments $114.8 m, grants $24.7 m), $25,241 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank and Trust Company | $193.7 m · 45.5% share · 2 offices | |
| BancFirst | $155.9 m · 36.7% share · 2 offices | |
| Simmons Bank | $43.7 m · 10.3% share · 2 offices | |
| Marshall, OK | $139.5 m FY2026 · $25,241/job | |
| MULTIPLE RECIPIENTS | $114.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank and Trust Company | $193,676,000 | 45.5% | 2 |
| BancFirst | $155,868,000 | 36.7% | 2 |
| Simmons Bank | $43,695,000 | 10.3% | 2 |
| First National Bank and Trust Company of Ardmore | $32,032,000 | 7.5% | 1 |
Deposit concentration is 3,580 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 = 45.5² + 36.7² + 10.3² + … (1 more) = 3,580
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 | $96,826,020 |
| Department of Transportation | $23,376,659 |
| Department of Veterans Affairs | $16,542,185 |
| Railroad Retirement Board | $972,365 |
| Department of Education | $883,917 |
| Department of Housing and Urban Development | $532,682 |
| Department of Agriculture | $280,229 |
| Federal Communications Commission | $88,436 |
| Department of Defense | $31,000 |
| Small Business Administration | $0 |
That is $25,241 per covered job, against 5,528 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $139.5 m / 5,528 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,241
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 #
Marshall County, OK: 7 findings, 1 at a watch level and 6 noted
watchMarshall County, OK's typical home value of $211,355 scores 41 on the 0-to-100 scale across US counties but 76 across Oklahoma counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |41 across US counties - 76 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteMarshall County, OK's covered employment was 3.5% 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
- +3.5 % = 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
noteMarshall County, OK's average weekly wage was 1.7% 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
- +1.7 % = 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
noteMarshall County, OK's typical home value fell 0.3% from $212,008 in July 2026 to $211,355 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (211354.66086380926 - 212007.91512184203) / 212007.91512184203 × 100
- 211354.66086380926 = Zillow ZHVI, 2026-08
- 212007.91512184203 = Zillow ZHVI, 2026-07
noteMarshall County, OK's momentum index of 0.62 ranks 8th of 77 Oklahoma counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 77 Oklahoma counties that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
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.