Pontotoc County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.72, -96.69.
Assembled 2026-10-06. Read the brief.
- 33rd pct · 2,024th of 3,063 US counties · median $234,566
- 67th pct · 26th of 77 Oklahoma counties · median $169,041
- 86th pct · 407th of 3,063 US counties · median +2.9%
- 88th pct · 10th of 77 Oklahoma counties · median +4.0%
- 10th pct · 1,250th of 1,399 US counties · median $1,496
- 19th pct · 22nd of 27 Oklahoma counties · median $1,304
- 71st pct · 933rd of 3,221 US counties · median 8,232
- 82nd pct · 14th of 77 Oklahoma counties · median 7,282
- 59th pct · 1,316th of 3,221 US counties · median $1,039
- 81st pct · 15th of 77 Oklahoma counties · median $968
- 30th pct · 2,143rd of 3,063 US counties · median 4.3
- 52nd pct · 37th 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 $192,989 (Aug 2026), +7.1% over one year, +26.4% over five
- 33rd pct · 2,024th of 3,063 US counties · median $234,566
- 67th pct · 26th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Pontotoc County, OK | $192,989 · +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 #
Typical rent $1,039/mo (Aug 2026), +2.4% over one year; price-to-rent 15.5
- 10th pct · 1,250th of 1,399 US counties · median $1,496
- 19th pct · 22nd of 27 Oklahoma counties · median $1,304
| Item | Value | Distance |
|---|---|---|
| Pontotoc County, OK | $1,039/mo · +2.4% 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 $1,056 a month on $192,989 at 7.28%, against an average weekly wage worth $4,693 a month: 22.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $192,989 × 80% = $154,391, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,056/mo principal and interest
- wage share = payment / (avg weekly wage $1,083 × 52 / 12 = $4,693) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $192,989 / ($1,083 × 52) = 3.4
- price-to-rent = $192,989 / ($1,039 × 12) = 15.5
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 #
19,844 jobs at 1,197 employers (2026 Q1); -4.1% jobs and -1.1% average weekly wage over the year
- 71st pct · 933rd of 3,221 US counties · median 8,232
- 82nd pct · 14th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Pontotoc County, OK | 19,844 jobs · $1,083/wk · -4.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,776 | $1,050 | 0.93 | +2.2% |
| Retail trade | 1,646 | $668 | 0.85 | -3.4% |
| Manufacturing | 1,427 | $1,260 | 0.89 | -7.0% |
| Accommodation and food services | 1,332 | $391 | 0.75 | +4.5% |
| Construction | 737 | $1,104 | 0.71 | +10.7% |
| Professional and technical services | 735 | $1,179 | 0.54 | -0.9% |
| Finance and insurance | 479 | $1,456 | 0.59 | -2.2% |
| Wholesale trade | 384 | $1,286 | 0.51 | -11.1% |
| Other services | 293 | $758 | 0.49 | -3.0% |
| Mining, oil and gas | 259 | $1,177 | 3.67 | -2.6% |
| Real estate and rental | 225 | $1,049 | 0.74 | +0.0% |
| Information | 168 | $792 | 0.46 | +37.7% |
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 #
93 % of conservation capacity, weighted over 6 TWDB reservoirs
Sites found: 16, 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 |
|---|---|---|
| Atoka Reservoir near Stringtown, OK | 100,300 Acre-ft (USGS, no capacity on file) | 64 km |
| Lake Thunderbird near Norman, OK | 101,300 Acre-ft (USGS, no capacity on file) | 74 km |
| Shawnee Reservoir at Shawnee, OK | 22,670 Acre-ft (USGS, no capacity on file) | 77 km |
| McGee Creek Reservoir near Farris, OK | 92,900 Acre-ft (USGS, no capacity on file) | 87 km |
| Lake Fuqua near Duncan, OK | 19,250 Acre-ft (USGS, no capacity on file) | 91 km |
| Stanley Draper Lake near Oklahoma City, OK | 83,050 Acre-ft (USGS, no capacity on file) | 91 km |
| Lake Texoma | 94 % full · 1,244k ac-ft | 101 km |
| Lake Humphreys near Duncan, OK | 10,930 Acre-ft (USGS, no capacity on file) | 110 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 #
36 gauges · 0 flooding · 1 with quality panels averaging 75 % · 12 stale
Sites found: 36, 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 |
|---|---|---|
| 02N-06E-34 CCD 1 Byrds Mill Spring nr Fittstown,OK | flow 11.6 ft³/s · STALE | 14 km |
| Sheep Creek Spring near Fittstown, OK | flow 2.54 ft³/s | 17 km |
| Blue River Abv Little W Blue Ck Nr Connerville, OK | flow 4.93 ft³/s · STALE | 27 km |
| Little West Blue Creek Nr Connerville, OK | flow 5.12 ft³/s · STALE | 27 km |
| Pennington Creek North of Mill Creek, OK | flow 0.16 ft³/s · STALE | 29 km |
| Little River near Sasakwa, OK | flow 3.98 ft³/s | 32 km |
| 01S-03E-01 ABB 1 Antelope Spring at Sulphur, OK | flow 0.29 ft³/s | 33 km |
| Pennington Creek East of Mill Creek, OK | flow 3.32 ft³/s | 34 km |
| Travertine Creek above U.S. 177 at Sulphur | flow 4.93 ft³/s · STALE | 35 km |
| Rock Creek at Sulphur, OK | flow 7.45 ft³/s | 37 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 #
30 wells in 4 named aquifers: Arbuckle-Simpson aquifer, Alluvial aquifers, Edwards-Trinity aquifer system…
Sites found: 30, 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 |
|---|---|---|
| Arbuckle-Simpson aquifer | depth 43.1 ft · 2025-03-11 | 13 km |
| Arbuckle-Simpson aquifer | depth 84.4 ft · 1992-09-22 | 13 km |
| Arbuckle-Simpson aquifer | depth 97.8 ft · 2026-07-07 | 14 km |
| Arbuckle-Simpson aquifer | depth 106.2 ft · 2020-11-04 | 15 km |
| Arbuckle-Simpson aquifer | depth 113.6 ft · 2026-10-05 | 15 km |
| Arbuckle-Simpson aquifer | depth 105.5 ft · 2026-07-07 | 16 km |
| USGS-345302096412401 | depth 3.92 ft · 2015-11-04 | 18 km |
| Arbuckle-Simpson aquifer | depth 73.8 ft · 2025-03-11 | 19 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 (0.39)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.07 + 0.2×0.25 / 0.85
Banks & federal dollars #
$1.9 bn in deposits at 15 offices of 8 banks (SOD June 2026); HHI 3,128, highly concentrated. $316.7 m federal obligations in FY2026 (direct payments $238.8 m, grants $62.3 m), $15,957 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank and Trust Company | $949.8 m · 49.6% share · 2 offices | |
| Vision Bank | $353.0 m · 18.4% share · 3 offices | |
| Citizens Bank of Ada | $310.7 m · 16.2% share · 3 offices | |
| Pontotoc, OK | $316.7 m FY2026 · $15,957/job | |
| MULTIPLE RECIPIENTS | $223.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank and Trust Company | $949,778,000 | 49.6% | 2 |
| Vision Bank | $353,001,000 | 18.4% | 3 |
| Citizens Bank of Ada | $310,700,000 | 16.2% | 3 |
| Simmons Bank | $126,238,000 | 6.6% | 1 |
| Chickasaw Community Bank | $81,652,000 | 4.3% | 3 |
| Farmers State Bank, Allen, Oklahoma | $48,626,000 | 2.5% | 1 |
| First American Bank | $29,511,000 | 1.5% | 1 |
| BMO Bank National Association | $17,253,000 | 0.9% | 1 |
Deposit concentration is 3,128 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 = 49.6² + 18.4² + 16.2² + … (5 more) = 3,128
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 | $187,335,131 |
| Department of Veterans Affairs | $44,975,888 |
| Department of Housing and Urban Development | $23,280,438 |
| Department of Agriculture | $20,861,471 |
| Department of Education | $15,538,722 |
| Department of Health and Human Services | $6,126,593 |
| Department of Transportation | $6,104,514 |
| Department of the Interior | $3,556,028 |
| Environmental Protection Agency | $3,527,506 |
| Department of Justice | $1,874,805 |
| Railroad Retirement Board | $1,579,341 |
| Federal Communications Commission | $1,178,032 |
That is $15,957 per covered job, against 19,844 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $316.7 m / 19,844 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,957
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 #
Pontotoc County, OK: 11 findings, 1 at an alert level, 4 at a watch level and 6 noted
alertPontotoc County, OK's covered employment is -4.1% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -4.1 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchPontotoc County, OK's covered employment is -4.1% 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 = -4.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPontotoc 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
watchPontotoc County, OK's price-to-rent ratio of 15.5 scores 33 on the 0-to-100 scale across US counties but 81 across Oklahoma counties, a gap of 48 points.
Period 2026-08.Show the arithmetic
- 48 = |33 across US counties - 81 across Oklahoma counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchPontotoc County, OK's typical home value of $192,989 scores 34 on the 0-to-100 scale across US counties but 67 across Oklahoma counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |34 across US counties - 67 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
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.