Mayes County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.30, -95.24.
Assembled 2026-10-06. Read the brief.
- 44th pct · 1,699th of 3,063 US counties · median $234,566
- 80th pct · 16th of 77 Oklahoma counties · median $169,041
- 66th pct · 1,021st of 3,063 US counties · median +2.9%
- 59th pct · 32nd of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 64th pct · 1,158th of 3,221 US counties · median 8,232
- 76th pct · 19th of 77 Oklahoma counties · median 7,282
- 80th pct · 628th of 3,221 US counties · median $1,039
- 94th pct · 5th of 77 Oklahoma counties · median $968
- 29th pct · 2,149th of 3,063 US counties · median 4.3
- 51st pct · 38th 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 $221,007 (Aug 2026), +4.5% over one year, +23.5% over five
- 44th pct · 1,699th of 3,063 US counties · median $234,566
- 80th pct · 16th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Mayes County, OK | $221,007 · +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
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 $1,210 a month on $221,007 at 7.28%, against an average weekly wage worth $5,391 a month: 22.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,007 × 80% = $176,806, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,210/mo principal and interest
- wage share = payment / (avg weekly wage $1,244 × 52 / 12 = $5,391) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,007 / ($1,244 × 52) = 3.4
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 #
14,667 jobs at 1,048 employers (2026 Q1); +2.5% jobs and +10.5% average weekly wage over the year
- 64th pct · 1,158th of 3,221 US counties · median 8,232
- 76th pct · 19th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Mayes County, OK | 14,667 jobs · $1,244/wk · +2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,408 | $1,392 | 2.89 | +2.4% |
| Retail trade | 1,624 | $727 | 1.14 | -5.1% |
| Construction | 1,391 | $1,757 | 1.81 | +20.3% |
| Accommodation and food services | 1,277 | $344 | 0.97 | -1.5% |
| Health care and social assistance | 967 | $915 | 0.44 | +0.0% |
| Wholesale trade | 581 | $1,363 | 1.03 | +10.7% |
| Administrative and waste services | 460 | $768 | 0.55 | -6.3% |
| Finance and insurance | 266 | $1,444 | 0.45 | -0.4% |
| Agriculture, forestry, fishing | 228 | $916 | 2.15 | -7.7% |
| Mining, oil and gas | 165 | $1,414 | 3.16 | +2.5% |
| Transportation and warehousing | 95 | $1,075 | 0.15 | +1.1% |
| Utilities | 65 | $1,942 | 1.12 | +47.7% |
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 #
D2 severe 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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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 Hudson near Locust Grove, OK | 210,800 Acre-ft (USGS, no capacity on file) | 9 km |
| Spavinaw Lake at Spavinaw, OK | 25,810 Acre-ft (USGS, no capacity on file) | 19 km |
| Lake O' the Cherokees at Langley, OK | 1,308,000 Acre-ft (USGS, no capacity on file) | 25 km |
| Lake Eucha near Eucha, OK | 58,250 Acre-ft (USGS, no capacity on file) | 28 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 #
70 gauges · 0 flooding · 9 with quality panels averaging 100 % · 10 stale
Sites found: 70, 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 |
|---|---|---|
| Eastern Oklahoma Lakes at Hudson Lake | no flooding | 9 km |
| Neosho River near Chouteau, OK | flow 424.0 ft³/s | 10 km |
| Spring Creek near Locust Grove, OK | flow 41.8 ft³/s · STALE | 19 km |
| Black Hollow near Spavinaw,Ok | flow 0.00 ft³/s · STALE | 22 km |
| Saline Ck at CR 490 nr Kenwood OK | flow 14.8 ft³/s · quality 100 % (2) | 22 km |
| Neosho River near Langley, OK | flow -3.13 ft³/s | 23 km |
| Neosho River (service road) near Langley, OK | stage 12.6 ft | 25 km |
| Eastern Oklahoma Lakes at Grand Lake | no flooding | 26 km |
| Spavinaw Creek near Eucha, OK | flow 103.0 ft³/s · quality 100 % (3) | 28 km |
| Big Cabin Creek near Big Cabin, OK | flow 2.28 ft³/s | 30 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 #
22 wells in 1 named aquifer: Ozark Plateaus aquifer system
Sites found: 22, 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-361104095081801 | depth 71.9 ft · 2019-06-10 | 16 km |
| USGS-362004094591601 | depth 27.7 ft · 2020-11-09 | 22 km |
| USGS-361317094594101 | depth 41.9 ft · 2020-11-09 | 23 km |
| USGS-363230095054901 | depth 58.6 ft · 2020-11-09 | 29 km |
| USGS-361126094551801 | depth 344.8 ft · 2020-11-09 | 31 km |
| USGS-360425094573101 | depth 19.5 ft · 2020-11-09 | 36 km |
| USGS-361415094452501 | depth 30.8 ft · 1995-09-30 | 44 km |
| USGS-355600094503501 | depth 152.9 ft · 2020-11-08 | 54 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 (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$943.1 m in deposits at 15 offices of 10 banks (SOD June 2026); HHI 1,952, highly concentrated. $331.5 m federal obligations in FY2026 (direct payments $289.9 m, grants $34.6 m), $22,601 per covered job
| Item | Value | Distance |
|---|---|---|
| RCB Bank | $359.1 m · 38.1% share · 3 offices | |
| First Pryority Bank | $119.1 m · 12.6% share · 1 office | |
| Arvest Bank | $93.3 m · 9.9% share · 1 office | |
| Mayes, OK | $331.5 m FY2026 · $22,601/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| RCB Bank | $359,096,000 | 38.1% | 3 |
| First Pryority Bank | $119,100,000 | 12.6% | 1 |
| Arvest Bank | $93,324,000 | 9.9% | 1 |
| All Capital Bank | $86,672,000 | 9.2% | 1 |
| BancFirst | $66,316,000 | 7.0% | 2 |
| Bank of Commerce | $48,694,000 | 5.2% | 2 |
| Lakeside Bank of Salina | $47,841,000 | 5.1% | 1 |
| First Bank | $46,976,000 | 5.0% | 2 |
| Welch State Bank of Welch, Okla. | $46,804,000 | 5.0% | 1 |
| Bank of Grand Lake | $28,297,000 | 3.0% | 1 |
Deposit concentration is 1,952 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 38.1² + 12.6² + 9.9² + … (7 more) = 1,952
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 $22,601 per covered job, against 14,667 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $331.5 m / 14,667 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,601
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 #
Mayes County, OK: 8 findings, 1 at a watch level and 7 noted
watchMayes County, OK's typical home value of $221,007 scores 45 on the 0-to-100 scale across US counties but 80 across Oklahoma counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |45 across US counties - 80 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteMayes County, OK's average weekly wage was 10.5% 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
- +10.5 % = 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
noteMayes County, OK's covered employment was 2.5% 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
- +2.5 % = 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
noteMayes County, OK's typical home value rose 0.3% from $220,282 in July 2026 to $221,007 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (221007.38173749644 - 220282.4051301512) / 220282.4051301512 × 100
- 221007.38173749644 = Zillow ZHVI, 2026-08
- 220282.4051301512 = Zillow ZHVI, 2026-07
noteMayes County, OK's momentum index of 0.75 ranks 140th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 3221 US 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 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.