Seminole County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.16, -96.60.
Assembled 2026-10-06. Read the brief.
- 8th pct · 2,809th of 3,063 US counties · median $234,566
- 23rd pct · 59th of 77 Oklahoma counties · median $169,041
- 93rd pct · 214th of 3,063 US counties · median +2.9%
- 96th pct · 4th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 46th pct · 1,733rd of 3,221 US counties · median 8,232
- 48th pct · 40th of 77 Oklahoma counties · median 7,282
- 23rd pct · 2,471st of 3,221 US counties · median $1,039
- 34th pct · 51st of 77 Oklahoma counties · median $968
- 13th pct · 2,654th of 3,063 US counties · median 4.3
- 31st pct · 53rd 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 $127,368 (Aug 2026), +8.8% over one year, +35.3% over five
- 8th pct · 2,809th of 3,063 US counties · median $234,566
- 23rd pct · 59th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Seminole County, OK | $127,368 · +8.8% 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 $697 a month on $127,368 at 7.28%, against an average weekly wage worth $3,991 a month: 17.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $127,368 × 80% = $101,894, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $697/mo principal and interest
- wage share = payment / (avg weekly wage $921 × 52 / 12 = $3,991) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $127,368 / ($921 × 52) = 2.7
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 #
7,069 jobs at 498 employers (2026 Q1); -1.5% jobs and -0.5% average weekly wage over the year
- 46th pct · 1,733rd of 3,221 US counties · median 8,232
- 48th pct · 40th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Seminole County, OK | 7,069 jobs · $921/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,031 | $1,165 | 1.81 | +0.2% |
| Retail trade | 762 | $648 | 1.11 | +4.5% |
| Accommodation and food services | 574 | $327 | 0.90 | +7.9% |
| Transportation and warehousing | 394 | $1,083 | 1.32 | -0.5% |
| Construction | 178 | $1,142 | 0.48 | -3.8% |
| Mining, oil and gas | 174 | $1,381 | 6.91 | -17.9% |
| Finance and insurance | 162 | $996 | 0.56 | -0.6% |
| Professional and technical services | 136 | $1,326 | 0.28 | +0.0% |
| Other services | 76 | $797 | 0.36 | -13.6% |
| Arts, entertainment and recreation | 55 | $556 | 0.47 | +22.2% |
| Information | 37 | $671 | 0.28 | +48.0% |
| Real estate and rental | 27 | $544 | 0.25 | -6.9% |
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 #
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 #
94 % of conservation capacity, weighted over 1 TWDB reservoirs
Sites found: 10, 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) | 47 km |
| Lake Thunderbird near Norman, OK | 101,300 Acre-ft (USGS, no capacity on file) | 56 km |
| Stanley Draper Lake near Oklahoma City, OK | 83,100 Acre-ft (USGS, no capacity on file) | 71 km |
| Atoka Reservoir near Stringtown, OK | 100,300 Acre-ft (USGS, no capacity on file) | 92 km |
| Lake Hefner at Oklahoma City, OK | 59,800 Acre-ft (USGS, no capacity on file) | 102 km |
| Lake Overholser near Oklahoma City, OK | 9,585 Acre-ft (USGS, no capacity on file) | 103 km |
| McGee Creek Reservoir near Farris, OK | 92,930 Acre-ft (USGS, no capacity on file) | 115 km |
| Lake Fuqua near Duncan, OK | 19,250 Acre-ft (USGS, no capacity on file) | 116 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 #
18 gauges · 0 flooding · 1 with quality panels averaging 88 % · 5 stale
Sites found: 18, 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 |
|---|---|---|
| Little River near Sasakwa, OK | flow 3.98 ft³/s | 23 km |
| Little River near Tecumseh, OK | stage 3.32 ft | 30 km |
| North Canadian River at Shawnee, OK | flow 97.9 ft³/s | 31 km |
| Squirrel Creek at Shawnee, OK | flow 0.32 ft³/s | 32 km |
| Tecumseh Creek at Tecumseh, OK | flow 0.05 ft³/s · STALE | 36 km |
| North Canadian River near Wetumka, OK | flow 89.7 ft³/s | 38 km |
| Canadian River at Calvin, OK | flow 74.3 ft³/s | 38 km |
| Little River blw Lk Thunderbird nr Norman, OK | flow 0.42 ft³/s | 56 km |
| 02N-06E-34 CCD 1 Byrds Mill Spring nr Fittstown,OK | flow 11.6 ft³/s · STALE | 63 km |
| Sheep Creek Spring near Fittstown, OK | flow 2.54 ft³/s | 65 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 #
21 wells in 1 named aquifer: Arbuckle-Simpson aquifer
Sites found: 21, 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-345302096412401 | depth 3.92 ft · 2015-11-04 | 32 km |
| USGS-352523097032101 | depth 16.1 ft · 2017-03-24 | 51 km |
| USGS-351817096020301 | depth 5.20 ft · 1984-07-31 | 54 km |
| Arbuckle-Simpson aquifer | depth 43.1 ft · 2025-03-11 | 62 km |
| Arbuckle-Simpson aquifer | depth 106.2 ft · 2020-11-04 | 62 km |
| Arbuckle-Simpson aquifer | depth 84.4 ft · 1992-09-22 | 63 km |
| Arbuckle-Simpson aquifer | depth 97.8 ft · 2026-07-07 | 63 km |
| Arbuckle-Simpson aquifer | depth 113.6 ft · 2026-10-05 | 64 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 (0.36)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.06 + 0.2×0.13 / 0.85
Banks & federal dollars #
$548.1 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 2,593, highly concentrated. $174.4 m federal obligations in FY2026 (direct payments $153.7 m, grants $17.7 m), $24,664 per covered job
| Item | Value | Distance |
|---|---|---|
| Security State Bank of Oklahoma | $193.6 m · 35.3% share · 2 offices | |
| BancFirst | $140.9 m · 25.7% share · 3 offices | |
| First United Bank and Trust Company | $135.6 m · 24.7% share · 2 offices | |
| Seminole, OK | $174.4 m FY2026 · $24,664/job | |
| MULTIPLE RECIPIENTS | $142.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security State Bank of Oklahoma | $193,593,000 | 35.3% | 2 |
| BancFirst | $140,937,000 | 25.7% | 3 |
| First United Bank and Trust Company | $135,626,000 | 24.7% | 2 |
| Patrons Bank, National Association | $33,532,000 | 6.1% | 1 |
| Sooner State Bank | $27,211,000 | 5.0% | 1 |
| BMO Bank National Association | $17,223,000 | 3.1% | 1 |
Deposit concentration is 2,593 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 35.3² + 25.7² + 24.7² + … (3 more) = 2,593
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 | $120,710,665 |
| Department of Veterans Affairs | $21,421,129 |
| Department of Education | $9,076,587 |
| Department of Health and Human Services | $6,331,469 |
| Department of Housing and Urban Development | $5,790,947 |
| Department of the Interior | $4,859,513 |
| Department of Transportation | $4,759,984 |
| Federal Communications Commission | $970,866 |
| Department of Justice | $657,534 |
| Department of Agriculture | $614,107 |
| Railroad Retirement Board | $462,050 |
| Department of the Treasury | $347,441 |
That is $24,664 per covered job, against 7,069 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $174.4 m / 7,069 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,664
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 #
Seminole County, OK: 9 findings, 2 at a watch level and 7 noted
watchSeminole County, OK's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSeminole County, OK's average weekly wage is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteSeminole County, OK's covered employment was 1.5% 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
- -1.5 % = 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
noteSeminole County, OK's typical home value rose 0.6% from $126,616 in July 2026 to $127,368 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (127367.68613371043 - 126615.55407270502) / 126615.55407270502 × 100
- 127367.68613371043 = Zillow ZHVI, 2026-08
- 126615.55407270502 = Zillow ZHVI, 2026-07
noteSeminole County, OK's average weekly wage was 0.5% 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
- -0.5 % = 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
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.