Noble County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.38, -97.24.
Assembled 2026-10-06. Read the brief.
- 20th pct · 2,424th of 3,063 US counties · median $234,566
- 47th pct · 41st of 77 Oklahoma counties · median $169,041
- 64th pct · 1,073rd of 3,063 US counties · median +2.9%
- 56th pct · 34th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 35th pct · 2,063rd of 3,221 US counties · median 8,232
- 39th pct · 47th of 77 Oklahoma counties · median 7,282
- 49th pct · 1,637th of 3,221 US counties · median $1,039
- 71st pct · 23rd of 77 Oklahoma counties · median $968
- 20th pct · 2,432nd of 3,063 US counties · median 4.3
- 44th pct · 43rd 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 $163,583 (Aug 2026), +4.3% over one year, +29.2% over five
- 20th pct · 2,424th of 3,063 US counties · median $234,566
- 47th pct · 41st of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Noble County, OK | $163,583 · +4.3% 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 $895 a month on $163,583 at 7.28%, against an average weekly wage worth $4,485 a month: 20.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $163,583 × 80% = $130,866, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $895/mo principal and interest
- wage share = payment / (avg weekly wage $1,035 × 52 / 12 = $4,485) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $163,583 / ($1,035 × 52) = 3.0
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 #
4,757 jobs at 259 employers (2026 Q1); +2.2% jobs and +2.4% average weekly wage over the year
- 35th pct · 2,063rd of 3,221 US counties · median 8,232
- 39th pct · 47th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Noble County, OK | 4,757 jobs · $1,035/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 355 | $867 | 0.77 | +0.0% |
| Construction | 165 | $1,398 | 0.66 | +1.2% |
| Finance and insurance | 107 | $1,036 | 0.55 | +0.0% |
| Mining, oil and gas | 68 | $1,392 | 4.01 | -1.4% |
| Wholesale trade | 59 | $1,091 | 0.32 | -7.8% |
| Other services | 55 | $725 | 0.39 | +7.8% |
| Real estate and rental | 3 | $539 | 0.04 | -25.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld |
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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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 Hefner at Oklahoma City, OK | 59,800 Acre-ft (USGS, no capacity on file) | 95 km |
| Lake Overholser near Oklahoma City, OK | 9,571 Acre-ft (USGS, no capacity on file) | 107 km |
| Shawnee Reservoir at Shawnee, OK | 22,650 Acre-ft (USGS, no capacity on file) | 116 km |
| Stanley Draper Lake near Oklahoma City, OK | 83,100 Acre-ft (USGS, no capacity on file) | 118 km |
| Canton Lake near Canton, OK | 77,680 Acre-ft (USGS, no capacity on file) | 127 km |
| Lake Thunderbird near Norman, OK | 101,200 Acre-ft (USGS, no capacity on file) | 129 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 #
22 gauges · 0 flooding · 1 with quality panels averaging 75 % · 3 stale
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 |
|---|---|---|
| Salt Fork Arkansas River at Tonkawa, OK | flow 52.4 ft³/s · no flooding | 33 km |
| Black Bear Creek at Pawnee, OK | flow 6.91 ft³/s · no flooding | 39 km |
| Stillwater Creek (OK) near Stillwater | no readings | 44 km |
| Arkansas River near Ponca City | no flooding | 44 km |
| Council Creek near Stillwater, OK | flow 0.12 ft³/s · STALE | 45 km |
| Eastern Oklahoma Lakes at Kaw Lake | no flooding | 45 km |
| Wildhorse Creek near Perkins, Ok | flow 5.83 ft³/s · STALE | 46 km |
| Arkansas River at Ralston, OK | flow 919.0 ft³/s · no flooding | 47 km |
| Chikaskia River near Blackwell, OK | flow 220.0 ft³/s · no flooding | 48 km |
| Skeleton Creek near Lovell, OK | flow 7.64 ft³/s | 48 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 #
13 wells in 0 named aquifers:
Sites found: 13, 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-363856097040401 | depth 19.5 ft · 2022-03-07 | 33 km |
| USGS-364112097310101 | depth 12.8 ft · 2021-06-16 | 42 km |
| USGS-363021096432402 | depth 0.11 ft · 2016-07-04 | 48 km |
| USGS-363021096432403 | depth -2.18 ft · 2016-03-06 | 48 km |
| USGS-363021096432404 | depth 14.9 ft · 2016-07-04 | 48 km |
| USGS-360200096534301 | depth 17.9 ft · 2018-10-22 | 50 km |
| USGS-360429096473901 | depth 35.2 ft · 2018-10-22 | 53 km |
| USGS-360738096441004 | depth 90.5 ft · 1999-10-21 | 53 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 (0.41)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.25 / 0.55
Banks & federal dollars #
$418.0 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,610, highly concentrated. $62.4 m federal obligations in FY2026 (direct payments $76.4 m, grants $7.2 m), $13,109 per covered job
| Item | Value | Distance |
|---|---|---|
| Exchange Bank and Trust Company | $241.5 m · 57.8% share · 1 office | |
| First Bank & Trust Company | $145.8 m · 34.9% share · 2 offices | |
| Blue Sky Bank | $30.6 m · 7.3% share · 1 office | |
| Noble, OK | $62.4 m FY2026 · $13,109/job | |
| MULTIPLE RECIPIENTS | $67.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Exchange Bank and Trust Company | $241,537,000 | 57.8% | 1 |
| First Bank & Trust Company | $145,812,000 | 34.9% | 2 |
| Blue Sky Bank | $30,650,000 | 7.3% | 1 |
Deposit concentration is 4,610 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 57.8² + 34.9² + 7.3² = 4,610
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 | $60,001,935 |
| Department of Veterans Affairs | $7,036,145 |
| Department of Agriculture | $5,969,648 |
| Department of Transportation | $4,082,937 |
| Department of the Interior | $3,867,121 |
| Department of Education | $653,000 |
| Department of Housing and Urban Development | $490,723 |
| Department of Justice | $462,931 |
| Railroad Retirement Board | $401,444 |
| Federal Communications Commission | $261,882 |
| Equal Employment Opportunity Commission | $33,000 |
| Small Business Administration | $0 |
That is $13,109 per covered job, against 4,757 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $62.4 m / 4,757 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,109
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 #
Noble County, OK: 4 findings, 4 noted
noteNoble County, OK's average weekly wage was 2.4% 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
- +2.4 % = 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
noteNoble County, OK's covered employment was 2.2% 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
- +2.2 % = 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
noteNoble County, OK's typical home value rose 0.8% from $162,347 in July 2026 to $163,583 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (163583.08613366753 - 162347.19602709418) / 162347.19602709418 × 100
- 163583.08613366753 = Zillow ZHVI, 2026-08
- 162347.19602709418 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Noble County, OK is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.