Pawnee County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.31, -96.70.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,273rd of 3,063 US counties · median $234,566
- 56th pct · 34th of 77 Oklahoma counties · median $169,041
- 16th pct · 6th of 7 counties in the Tulsa metro · median $223,183
- 45th pct · 1,656th of 3,063 US counties · median +2.9%
- 34th pct · 51st of 77 Oklahoma counties · median +4.0%
- 16th pct · 6th of 7 counties in the Tulsa metro · median +2.9%
- US counties: not published this period
- Oklahoma counties: not published this period
- counties in the Tulsa metro: not published this period
- 27th pct · 2,340th of 3,221 US counties · median 8,232
- 34th pct · 51st of 77 Oklahoma counties · median 7,282
- 0th pct · 7th of 7 counties in the Tulsa metro · median 11,995
- 19th pct · 2,592nd of 3,221 US counties · median $1,039
- 25th pct · 58th of 77 Oklahoma counties · median $968
- 0th pct · 7th of 7 counties in the Tulsa metro · median $1,155
- 37th pct · 1,910th of 3,063 US counties · median 4.3
- 65th pct · 27th of 77 Oklahoma counties · median 3.4
- 50th pct · 4th 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 $175,100 (Aug 2026), +2.6% over one year, +32.6% over five
- 25th pct · 2,273rd of 3,063 US counties · median $234,566
- 56th pct · 34th of 77 Oklahoma counties · median $169,041
- 16th pct · 6th of 7 counties in the Tulsa metro · median $223,183
| Item | Value | Distance |
|---|---|---|
| Pawnee County, OK | $175,100 · +2.6% 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
- counties in the Tulsa metro: 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 $958 a month on $175,100 at 7.28%, against an average weekly wage worth $3,909 a month: 24.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $175,100 × 80% = $140,080, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $958/mo principal and interest
- wage share = payment / (avg weekly wage $902 × 52 / 12 = $3,909) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $175,100 / ($902 × 52) = 3.7
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 #
3,367 jobs at 344 employers (2026 Q1); -1.1% jobs and +1.1% average weekly wage over the year
- 27th pct · 2,340th of 3,221 US counties · median 8,232
- 34th pct · 51st of 77 Oklahoma counties · median 7,282
- 0th pct · 7th of 7 counties in the Tulsa metro · median 11,995
| Item | Value | Distance |
|---|---|---|
| Pawnee County, OK | 3,367 jobs · $902/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 393 | $636 | 1.20 | -3.0% |
| Administrative and waste services | 198 | $694 | 1.03 | +2.1% |
| Manufacturing | 159 | $915 | 0.59 | +0.0% |
| Utilities | 84 | $1,644 | 6.32 | +0.0% |
| Mining, oil and gas | 74 | $1,110 | 6.17 | +0.0% |
| Finance and insurance | 74 | $1,184 | 0.54 | -9.8% |
| Wholesale trade | 39 | $741 | 0.30 | -20.4% |
| Real estate and rental | 24 | $803 | 0.46 | +0.0% |
| Transportation and warehousing | 4 | $1,467 | 0.03 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Construction | 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 #
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 #
8 USGS reservoir gauges, no capacity figures to weight
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 |
|---|---|---|
| Shawnee Reservoir at Shawnee, OK | 22,670 Acre-ft (USGS, no capacity on file) | 112 km |
| Lake Hefner at Oklahoma City, OK | 59,800 Acre-ft (USGS, no capacity on file) | 115 km |
| Stanley Draper Lake near Oklahoma City, OK | 83,100 Acre-ft (USGS, no capacity on file) | 125 km |
| Lake Overholser near Oklahoma City, OK | 9,585 Acre-ft (USGS, no capacity on file) | 127 km |
| Lake Thunderbird near Norman, OK | 101,300 Acre-ft (USGS, no capacity on file) | 130 km |
| Lake Hudson near Locust Grove, OK | 213,400 Acre-ft (USGS, no capacity on file) | 136 km |
| Spavinaw Lake at Spavinaw, OK | 25,830 Acre-ft (USGS, no capacity on file) | 148 km |
| Lake O' the Cherokees at Langley, OK | 1,307,000 Acre-ft (USGS, no capacity on file) | 149 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 · 2 with quality panels averaging 100 % · 8 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 |
|---|---|---|
| Black Bear Creek at Pawnee, OK | flow 4.34 ft³/s | 10 km |
| Arkansas River at Ralston, OK | flow 1,110 ft³/s | 21 km |
| Cimarron River near Yale, OK | flow 4,320 ft³/s · STALE | 25 km |
| Council Creek near Stillwater, OK | flow 0.12 ft³/s · STALE | 27 km |
| Hominy Creek near Hominy, OK | flow 2.51 ft³/s | 34 km |
| Cimarron River near Ripley, OK | flow 168.0 ft³/s | 41 km |
| Bird Creek at SH 99 at Pawhuska, OK | flow 66.4 ft³/s | 52 km |
| Wildhorse Creek near Perkins, Ok | flow 5.83 ft³/s · STALE | 53 km |
| Birch Creek blw Birch Lake nr Barnsdall, OK | flow 6.80 ft³/s · STALE | 54 km |
| Bird Creek at Avant, OK | flow 10.1 ft³/s | 60 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 #
14 wells in 0 named aquifers:
Sites found: 14, 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-360738096441004 | depth 90.5 ft · 1999-10-21 | 21 km |
| USGS-360738096441001 | depth 111.8 ft · 1999-12-28 | 21 km |
| USGS-363021096432402 | depth 0.11 ft · 2016-07-04 | 22 km |
| USGS-363021096432403 | depth -2.18 ft · 2016-03-06 | 22 km |
| USGS-363021096432404 | depth 14.9 ft · 2016-07-04 | 22 km |
| USGS-360429096473901 | depth 35.2 ft · 2018-10-22 | 28 km |
| USGS-360339096450201 | depth 7.49 ft · 2018-10-22 | 29 km |
| USGS-362823096224201 | depth 33.8 ft · 2020-02-12 | 34 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 #
$261.9 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 2,801, highly concentrated. $141.8 m federal obligations in FY2026 (direct payments $119.4 m, grants $16.4 m), $42,123 per covered job
| Item | Value | Distance |
|---|---|---|
| American Heritage Bank | $95.3 m · 36.4% share · 3 offices | |
| Armstrong Bank | $75.3 m · 28.7% share · 1 office | |
| First Bank & Trust Company | $57.8 m · 22.1% share · 1 office | |
| Pawnee, OK | $141.8 m FY2026 · $42,123/job | |
| MULTIPLE RECIPIENTS | $114.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| American Heritage Bank | $95,335,000 | 36.4% | 3 |
| Armstrong Bank | $75,282,000 | 28.7% | 1 |
| First Bank & Trust Company | $57,781,000 | 22.1% | 1 |
| Blue Sky Bank | $33,538,000 | 12.8% | 1 |
Deposit concentration is 2,801 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 36.4² + 28.7² + 22.1² + … (1 more) = 2,801
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 | $98,966,978 |
| Department of Health and Human Services | $14,894,243 |
| Department of Veterans Affairs | $14,439,367 |
| Department of Transportation | $3,758,649 |
| Department of the Interior | $3,006,674 |
| Department of Agriculture | $1,972,936 |
| Department of Housing and Urban Development | $1,569,561 |
| Department of Education | $1,190,891 |
| Railroad Retirement Board | $669,952 |
| Environmental Protection Agency | $596,582 |
| Federal Communications Commission | $452,748 |
| Department of Defense | $216,758 |
That is $42,123 per covered job, against 3,367 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $141.8 m / 3,367 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $42,123
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 | -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 #
Pawnee County, OK: 9 findings, 2 at a watch level and 7 noted
watchPawnee County, OK's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPawnee County, OK's typical home value of $175,100 scores 26 on the 0-to-100 scale across US counties but 57 across Oklahoma counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |26 across US counties - 57 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
notePawnee County, OK's average weekly wage was 1.1% 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
- +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
notePawnee County, OK's covered employment 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
notePawnee County, OK's typical home value fell 0.3% from $175,633 in July 2026 to $175,100 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (175099.6003953144 - 175632.96065889727) / 175632.96065889727 × 100
- 175099.6003953144 = Zillow ZHVI, 2026-08
- 175632.96065889727 = Zillow ZHVI, 2026-07
Read all 9 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.