Osage County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.62, -96.41.
Assembled 2026-10-06. Read the brief.
- 45th pct · 1,673rd of 3,063 US counties · median $234,566
- 82nd pct · 14th of 77 Oklahoma counties · median $169,041
- 50th pct · 4th of 7 counties in the Tulsa metro · median $223,183
- 75th pct · 741st of 3,063 US counties · median +2.9%
- 76th pct · 19th of 77 Oklahoma counties · median +4.0%
- 100th pct · 1st of 7 counties in the Tulsa metro · median +2.9%
- 31st pct · 960th of 1,399 US counties · median $1,496
- 53rd pct · 13th of 27 Oklahoma counties · median $1,304
- 0th pct · 5th of 5 counties in the Tulsa metro · median $1,373
- 50th pct · 1,599th of 3,221 US counties · median 8,232
- 53rd pct · 36th of 77 Oklahoma counties · median 7,282
- 16th pct · 6th of 7 counties in the Tulsa metro · median 11,995
- 48th pct · 1,650th of 3,221 US counties · median $1,039
- 69th pct · 24th of 77 Oklahoma counties · median $968
- 33rd pct · 5th of 7 counties in the Tulsa metro · median $1,155
- 47th pct · 1,609th of 3,063 US counties · median 4.3
- 75th pct · 20th of 77 Oklahoma counties · median 3.4
- 66th pct · 3rd of 7 counties in the Tulsa metro · median 3.7
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 $223,183 (Aug 2026), +5.4% over one year, +22.2% over five
- 45th pct · 1,673rd of 3,063 US counties · median $234,566
- 82nd pct · 14th of 77 Oklahoma counties · median $169,041
- 50th pct · 4th of 7 counties in the Tulsa metro · median $223,183
| Item | Value | Distance |
|---|---|---|
| Osage County, OK | $223,183 · +5.4% 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 #
Typical rent $1,306/mo (Aug 2026), n/a over one year; price-to-rent 14.2
- 31st pct · 960th of 1,399 US counties · median $1,496
- 53rd pct · 13th of 27 Oklahoma counties · median $1,304
- 0th pct · 5th of 5 counties in the Tulsa metro · median $1,373
| Item | Value | Distance |
|---|---|---|
| Osage County, OK | $1,306/mo · n/a 1-yr |
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 $1,222 a month on $223,183 at 7.28%, against an average weekly wage worth $4,481 a month: 27.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $223,183 × 80% = $178,546, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,222/mo principal and interest
- wage share = payment / (avg weekly wage $1,034 × 52 / 12 = $4,481) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $223,183 / ($1,034 × 52) = 4.2
- price-to-rent = $223,183 / ($1,306 × 12) = 14.2
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 #
8,308 jobs at 552 employers (2026 Q1); +4.0% jobs and -1.1% average weekly wage over the year
- 50th pct · 1,599th of 3,221 US counties · median 8,232
- 53rd pct · 36th of 77 Oklahoma counties · median 7,282
- 16th pct · 6th of 7 counties in the Tulsa metro · median 11,995
| Item | Value | Distance |
|---|---|---|
| Osage County, OK | 8,308 jobs · $1,034/wk · +4.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 800 | $528 | 0.99 | -5.4% |
| Manufacturing | 661 | $1,354 | 0.99 | -11.5% |
| Construction | 457 | $1,122 | 1.05 | +14.2% |
| Accommodation and food services | 442 | $406 | 0.59 | -2.4% |
| Mining, oil and gas | 325 | $1,183 | 10.99 | -9.0% |
| Professional and technical services | 272 | $3,130 | 0.47 | -7.8% |
| Arts, entertainment and recreation | 162 | $839 | 1.18 | -3.6% |
| Finance and insurance | 159 | $1,698 | 0.47 | +1.3% |
| Wholesale trade | 81 | $1,170 | 0.25 | +3.8% |
| Other services | 70 | $932 | 0.28 | +9.4% |
| Agriculture, forestry, fishing | 57 | $1,137 | 0.95 | -5.0% |
| Information | 16 | $1,364 | 0.10 | -5.9% |
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 #
D1 moderate 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 | 213,900 Acre-ft (USGS, no capacity on file) | 118 km |
| Lake O' the Cherokees at Langley, OK | 1,306,000 Acre-ft (USGS, no capacity on file) | 123 km |
| Spavinaw Lake at Spavinaw, OK | 25,830 Acre-ft (USGS, no capacity on file) | 124 km |
| Lake Eucha near Eucha, OK | 58,320 Acre-ft (USGS, no capacity on file) | 135 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 #
41 gauges · 0 flooding · 2 with quality panels averaging 100 % · 11 stale
Sites found: 41, 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 |
|---|---|---|
| Bird Creek at SH 99 at Pawhuska, OK | flow 66.4 ft³/s | 10 km |
| Hominy Creek near Hominy, OK | flow 2.51 ft³/s | 17 km |
| Birch Creek blw Birch Lake nr Barnsdall, OK | flow 6.80 ft³/s · no flooding · STALE | 24 km |
| Sand Creek at Okesa, OK | flow 21.0 ft³/s · STALE | 27 km |
| Arkansas River at Ralston, OK | flow 1,120 ft³/s · no flooding | 32 km |
| Sand Creek (OK) near Okesa | no readings | 32 km |
| Bird Creek at Avant, OK | flow 10.1 ft³/s · no flooding | 35 km |
| Caney River above Coon Creek at Bartlesville, OK | flow 16.2 ft³/s · no flooding | 42 km |
| Eastern Oklahoma Lakes at Skiatook Lake | no flooding | 42 km |
| Caney River at Tuxedo Blvd at Bartlesville, OK | stage 5.24 ft | 43 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 #
11 wells in 0 named aquifers:
Sites found: 11, 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-364337096315401 | depth 159.7 ft · 2026-10-05 | 16 km |
| USGS-362823096224201 | depth 33.8 ft · 2020-02-12 | 17 km |
| USGS-362935096291501 | depth 6.43 ft · 2026-10-05 | 18 km |
| USGS-363021096432402 | depth 0.11 ft · 2016-07-04 | 31 km |
| USGS-363021096432403 | depth -2.18 ft · 2016-03-06 | 31 km |
| USGS-363021096432404 | depth 14.9 ft · 2016-07-04 | 31 km |
| USGS-363856097040401 | depth 19.5 ft · 2022-03-07 | 59 km |
| USGS-360738096441004 | depth 90.5 ft · 1999-10-21 | 63 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 #
low (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$627.9 m in deposits at 11 offices of 8 banks (SOD June 2026); HHI 1,815, highly concentrated. $352.3 m federal obligations in FY2026 (direct payments $304.0 m, grants $34.3 m), $42,400 per covered job
| Item | Value | Distance |
|---|---|---|
| American Heritage Bank | $159.2 m · 25.4% share · 2 offices | |
| Blue Sky Bank | $135.0 m · 21.5% share · 2 offices | |
| RCB Bank | $116.5 m · 18.6% share · 2 offices | |
| Osage, OK | $352.3 m FY2026 · $42,400/job | |
| MULTIPLE RECIPIENTS | $285.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| American Heritage Bank | $159,237,000 | 25.4% | 2 |
| Blue Sky Bank | $134,978,000 | 21.5% | 2 |
| RCB Bank | $116,470,000 | 18.6% | 2 |
| The Exchange Bank | $100,276,000 | 16.0% | 1 |
| BancFirst | $47,187,000 | 7.5% | 1 |
| 1st Bank in Hominy | $41,604,000 | 6.6% | 1 |
| Elevate Bank, National Association | $16,873,000 | 2.7% | 1 |
| Oklahoma Capital Bank | $11,235,000 | 1.8% | 1 |
Deposit concentration is 1,815 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 25.4² + 21.5² + 18.6² + … (5 more) = 1,815
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 | $253,212,722 |
| Department of Health and Human Services | $25,719,826 |
| Department of Veterans Affairs | $21,371,966 |
| Department of the Interior | $19,241,286 |
| Department of Transportation | $13,517,262 |
| Department of Housing and Urban Development | $8,130,813 |
| Department of Agriculture | $6,431,486 |
| Department of Education | $3,165,285 |
| Federal Communications Commission | $753,419 |
| Department of Defense | $407,378 |
| Railroad Retirement Board | $219,309 |
| Environmental Protection Agency | $73,063 |
That is $42,400 per covered job, against 8,308 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $352.3 m / 8,308 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $42,400
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Osage County, OK: 11 findings, 2 at a watch level and 9 noted
watchOsage County, OK's average weekly wage is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchOsage County, OK's typical home value of $223,183 scores 45 on the 0-to-100 scale across US counties but 83 across Oklahoma counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |45 across US counties - 83 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteOsage County, OK's covered employment was 4.0% 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
- +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
noteOsage County, OK's average weekly wage was 1.1% 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
- -1.1 % = 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
noteOsage County, OK's typical home value rose 0.7% from $221,546 in July 2026 to $223,183 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (223182.8106819679 - 221546.48762963692) / 221546.48762963692 × 100
- 223182.8106819679 = Zillow ZHVI, 2026-08
- 221546.48762963692 = Zillow ZHVI, 2026-07
Read all 11 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.