Ottawa County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.84, -94.80.
Assembled 2026-10-07. Read the brief.
- 13th pct · 2,660th of 3,063 US counties · median $234,566
- 32nd pct · 52nd of 77 Oklahoma counties · median $169,041
- 86th pct · 415th of 3,063 US counties · median +2.9%
- 86th pct · 11th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 60th pct · 1,270th of 3,221 US counties · median 8,232
- 69th pct · 24th of 77 Oklahoma counties · median 7,282
- 24th pct · 2,427th of 3,221 US counties · median $1,039
- 35th pct · 50th of 77 Oklahoma counties · median $968
- 19th pct · 2,478th of 3,063 US counties · median 4.3
- 42nd pct · 45th 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 $142,654 (Aug 2026), +7.1% over one year, +26.4% over five
- 13th pct · 2,660th of 3,063 US counties · median $234,566
- 32nd pct · 52nd of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Ottawa County, OK | $142,654 · +7.1% 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 $781 a month on $142,654 at 7.28%, against an average weekly wage worth $4,017 a month: 19.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $142,654 × 80% = $114,123, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $781/mo principal and interest
- wage share = payment / (avg weekly wage $927 × 52 / 12 = $4,017) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $142,654 / ($927 × 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 #
12,639 jobs at 800 employers (2026 Q1); -1.6% jobs and +4.3% average weekly wage over the year
- 60th pct · 1,270th of 3,221 US counties · median 8,232
- 69th pct · 24th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Ottawa County, OK | 12,639 jobs · $927/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,197 | $682 | 0.97 | -6.6% |
| Accommodation and food services | 1,063 | $390 | 0.94 | -8.8% |
| Manufacturing | 968 | $1,361 | 0.95 | -15.5% |
| Administrative and waste services | 435 | $729 | 0.61 | +9.6% |
| Construction | 382 | $1,149 | 0.58 | +9.8% |
| Other services | 324 | $790 | 0.86 | -8.7% |
| Finance and insurance | 244 | $1,119 | 0.47 | -0.4% |
| Professional and technical services | 226 | $1,149 | 0.26 | +7.6% |
| Wholesale trade | 118 | $1,110 | 0.24 | +20.4% |
| Transportation and warehousing | 97 | $1,200 | 0.18 | -10.2% |
| Arts, entertainment and recreation | 45 | $440 | 0.22 | -11.8% |
| Utilities | 35 | $1,239 | 0.70 | +59.1% |
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 #
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 O' the Cherokees at Langley, OK | 1,308,000 Acre-ft (USGS, no capacity on file) | 46 km |
| Lake Eucha near Eucha, OK | 58,230 Acre-ft (USGS, no capacity on file) | 53 km |
| Spavinaw Lake at Spavinaw, OK | 25,810 Acre-ft (USGS, no capacity on file) | 55 km |
| Lake Hudson near Locust Grove, OK | 211,400 Acre-ft (USGS, no capacity on file) | 75 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 #
50 gauges · 0 flooding · 7 with quality panels averaging 100 % · 7 stale
Sites found: 50, 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 |
|---|---|---|
| Neosho River at Miami, OK | stage 742.3 ft · quality 100 % (2) | 8 km |
| Tar Creek at 22nd Street Bridge at Miami, OK | flow 0.00 ft³/s | 9 km |
| Beaver Creek near Quapaw, OK | flow 1.57 ft³/s | 12 km |
| Spring River near Quapaw, OK | flow 191.0 ft³/s | 12 km |
| Tar Creek near Commerce, OK | flow 0.00 ft³/s | 13 km |
| Elm Creek near Commerce, OK | stage 5.24 ft · STALE | 14 km |
| Neosho River near Commerce, OK | flow 1,200 ft³/s | 17 km |
| Horse Creek at 540 Rd near Afton, OK | flow 0.01 ft³/s | 20 km |
| Horse Creek at Afton, OK | flow 0.00 ft³/s | 20 km |
| SPRING R NR BAXTER SPRINGS, KS | flow 197.0 ft³/s | 22 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 #
32 wells in 1 named aquifer: Ozark Plateaus aquifer system
Sites found: 32, 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-365151094470801 | depth 46.7 ft · 2020-11-15 | 4 km |
| USGS-365229094520201 | depth 328.0 ft · 1994-01-07 | 7 km |
| USGS-365402094522201 | depth 357.4 ft · 2013-02-02 | 9 km |
| USGS-364859094552401 | depth 92.7 ft · 2020-11-15 | 11 km |
| USGS-365732094513201 | depth -261.9 ft · 2004-10-11 | 15 km |
| USGS-364328094532701 | depth 15.9 ft · 2020-11-15 | 15 km |
| USGS-365942094504203 | depth 30.6 ft · 2023-10-23 | 18 km |
| USGS-365258095013401 | depth 14.9 ft · 2020-11-15 | 21 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 (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$697.7 m in deposits at 14 offices of 8 banks (SOD June 2026); HHI 2,020, highly concentrated. $37.3 m federal obligations in FY2026 (grants $33.6 m, contracts $3.7 m), $2,951 per covered job
| Item | Value | Distance |
|---|---|---|
| Welch State Bank of Welch, Okla. | $171.3 m · 24.5% share · 2 offices | |
| The First National Bank and Trust Company of Miami | $162.6 m · 23.3% share · 3 offices | |
| Security Bank and Trust Company | $145.4 m · 20.8% share · 4 offices | |
| Ottawa, OK | $37.3 m FY2026 · $2,951/job | |
| MULTIPLE RECIPIENTS | $217.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Welch State Bank of Welch, Okla. | $171,281,000 | 24.5% | 2 |
| The First National Bank and Trust Company of Miami | $162,578,000 | 23.3% | 3 |
| Security Bank and Trust Company | $145,372,000 | 20.8% | 4 |
| Arvest Bank | $139,090,000 | 19.9% | 1 |
| Grand Savings Bank | $34,580,000 | 5.0% | 1 |
| Method Bank | $22,635,000 | 3.2% | 1 |
| International Bank of Commerce | $18,794,000 | 2.7% | 1 |
| The City National Bank and Trust Company of Lawton, Oklahoma | $3,409,000 | 0.5% | 1 |
Deposit concentration is 2,020 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 = 24.5² + 23.3² + 20.8² + … (5 more) = 2,020
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 | $180,649,279 |
| Department of Veterans Affairs | $34,266,188 |
| Department of the Interior | $32,986,966 |
| Department of Transportation | $16,115,567 |
| Department of Education | $8,616,488 |
| Department of Health and Human Services | $6,828,207 |
| Department of Agriculture | $6,249,054 |
| Department of Housing and Urban Development | $6,189,027 |
| Railroad Retirement Board | $1,852,420 |
| Environmental Protection Agency | $1,474,039 |
| Department of Justice | $676,151 |
| Institute of Museum and Library Services | $309,004 |
That is $2,951 per covered job, against 12,639 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $37.3 m / 12,639 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $2,951
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 #
Ottawa County, OK: 6 findings, 1 at a watch level and 5 noted
watchOttawa County, OK's covered employment is -1.6% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteOttawa County, OK's average weekly wage was 4.3% 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
- +4.3 % = 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
noteOttawa County, OK's covered employment was 1.6% 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
- -1.6 % = 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
noteOttawa County, OK's typical home value rose 0.6% from $141,769 in July 2026 to $142,654 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (142653.94286796296 - 141768.7786745356) / 141768.7786745356 × 100
- 142653.94286796296 = Zillow ZHVI, 2026-08
- 141768.7786745356 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Ottawa 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
Read all 6 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.