Murray County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.49, -97.07.
Assembled 2026-10-06. Read the brief.
- 24th pct · 2,318th of 3,063 US counties · median $234,566
- 53rd pct · 36th of 77 Oklahoma counties · median $169,041
- 4th pct · 2,926th of 3,063 US counties · median +2.9%
- 3rd pct · 74th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 37th pct · 2,025th of 3,221 US counties · median 8,232
- 42nd pct · 45th of 77 Oklahoma counties · median 7,282
- 20th pct · 2,547th of 3,221 US counties · median $1,039
- 30th pct · 54th of 77 Oklahoma counties · median $968
- 34th pct · 1,994th of 3,063 US counties · median 4.3
- 61st pct · 30th 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 $171,509 (Aug 2026), -4.7% over one year, +22.6% over five
- 24th pct · 2,318th of 3,063 US counties · median $234,566
- 53rd pct · 36th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Murray County, OK | $171,509 · -4.7% 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 $939 a month on $171,509 at 7.28%, against an average weekly wage worth $3,939 a month: 23.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $171,509 × 80% = $137,207, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $939/mo principal and interest
- wage share = payment / (avg weekly wage $909 × 52 / 12 = $3,939) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $171,509 / ($909 × 52) = 3.6
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 #
4,978 jobs at 369 employers (2026 Q1); +0.7% jobs and +0.8% average weekly wage over the year
- 37th pct · 2,025th of 3,221 US counties · median 8,232
- 42nd pct · 45th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Murray County, OK | 4,978 jobs · $909/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 711 | $1,000 | 1.78 | +14.9% |
| Retail trade | 547 | $606 | 1.13 | +7.0% |
| Accommodation and food services | 384 | $348 | 0.86 | +13.3% |
| Construction | 326 | $1,077 | 1.25 | +0.6% |
| Wholesale trade | 271 | $989 | 1.42 | -6.9% |
| Mining, oil and gas | 192 | $1,546 | 10.83 | +11.0% |
| Professional and technical services | 106 | $915 | 0.31 | +8.2% |
| Finance and insurance | 86 | $1,149 | 0.42 | -5.5% |
| Transportation and warehousing | 36 | $974 | 0.17 | +0.0% |
| Arts, entertainment and recreation | 19 | $918 | 0.23 | -5.0% |
| Agriculture, forestry, fishing | 12 | $805 | 0.33 | +9.1% |
| Utilities | 10 | $1,844 | 0.51 | +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 #
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: 8, 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 |
|---|---|---|
| Moss Lake | 100 % full · 24k ac-ft | 80 km |
| Lake Nocona (Farmer's Creek) | 74 % full · 21k ac-ft | 86 km |
| Lake Texoma | 94 % full · 1,244k ac-ft | 87 km |
| Lake Bonham | 78 % full · 11k ac-ft | 125 km |
| Ray Roberts Lake | 95 % full · 788k ac-ft | 126 km |
| Bois d'Arc Lake | 90 % full · 368k ac-ft | 134 km |
| Lake Amon G Carter | 81 % full · 19k ac-ft | 134 km |
| Lake Arrowhead | 70 % full · 230k ac-ft | 144 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 (0.44)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.08 / 0.65
Banks & federal dollars #
$421.1 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 3,138, highly concentrated. $139.4 m federal obligations in FY2026 (direct payments $93.2 m, contracts $29.5 m), $27,995 per covered job
| Item | Value | Distance |
|---|---|---|
| Vision Bank | $199.3 m · 47.3% share · 2 offices | |
| BancFirst | $111.8 m · 26.5% share · 1 office | |
| The Pauls Valley National Bank | $40.1 m · 9.5% share · 1 office | |
| Murray, OK | $139.4 m FY2026 · $27,995/job | |
| MULTIPLE RECIPIENTS | $91.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Vision Bank | $199,309,000 | 47.3% | 2 |
| BancFirst | $111,768,000 | 26.5% | 1 |
| The Pauls Valley National Bank | $40,054,000 | 9.5% | 1 |
| Simmons Bank | $30,133,000 | 7.2% | 1 |
| First National Bank and Trust Company of Ardmore | $27,506,000 | 6.5% | 1 |
| International Bank of Commerce | $12,325,000 | 2.9% | 1 |
Deposit concentration is 3,138 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 47.3² + 26.5² + 9.5² + … (3 more) = 3,138
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 | $74,178,443 |
| Department of Veterans Affairs | $24,289,116 |
| Department of Transportation | $23,542,123 |
| Department of the Interior | $15,020,255 |
| Department of Agriculture | $1,394,328 |
| Railroad Retirement Board | $480,370 |
| Department of Health and Human Services | $241,717 |
| Department of Education | $150,253 |
| Federal Communications Commission | $106,978 |
| Small Business Administration | -$45,890 |
That is $27,995 per covered job, against 4,978 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $139.4 m / 4,978 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,995
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 #
Murray County, OK: 7 findings, 1 at a watch level and 6 noted
watchMurray County, OK's typical home value is -4.7% 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 = -4.748445432431761 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteMurray County, OK's typical home value fell 0.9% from $173,011 in July 2026 to $171,509 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.9% = (171509.28889539954 - 173010.68598574187) / 173010.68598574187 × 100
- 171509.28889539954 = Zillow ZHVI, 2026-08
- 173010.68598574187 = Zillow ZHVI, 2026-07
noteMurray County, OK's average weekly wage was 0.8% 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
- +0.8 % = 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
noteMurray County, OK's covered employment was 0.7% 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
- +0.7 % = 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
noteMurray County, OK's typical home value of -4.7% ranks 74th of 77 Oklahoma counties, against a median of +4.0%.
Period 2026-08.Show the arithmetic
- 4 on the 0-to-100 scale across 77 Oklahoma counties that published home.yoyPct
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.