Texas County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.75, -101.48.
Assembled 2026-10-06. Read the brief.
- 24th pct · 2,319th of 3,063 US counties · median $234,566
- 52nd pct · 37th of 77 Oklahoma counties · median $169,041
- 92nd pct · 238th of 3,063 US counties · median +2.9%
- 94th pct · 5th of 77 Oklahoma counties · median +4.0%
- US counties: not published this period
- Oklahoma counties: not published this period
- 55th pct · 1,446th of 3,221 US counties · median 8,232
- 63rd pct · 29th of 77 Oklahoma counties · median 7,282
- 28th pct · 2,307th of 3,221 US counties · median $1,039
- 39th pct · 47th of 77 Oklahoma counties · median $968
- 31st pct · 2,096th of 3,063 US counties · median 4.3
- 55th pct · 35th 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 $171,463 (Aug 2026), +8.5% over one year, +25.4% over five
- 24th pct · 2,319th of 3,063 US counties · median $234,566
- 52nd pct · 37th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Texas County, OK | $171,463 · +8.5% 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 $939 a month on $171,463 at 7.28%, against an average weekly wage worth $4,095 a month: 22.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $171,463 × 80% = $137,170, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $939/mo principal and interest
- wage share = payment / (avg weekly wage $945 × 52 / 12 = $4,095) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $171,463 / ($945 × 52) = 3.5
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 #
9,957 jobs at 575 employers (2026 Q1); +1.0% jobs and -5.9% average weekly wage over the year
- 55th pct · 1,446th of 3,221 US counties · median 8,232
- 63rd pct · 29th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Texas County, OK | 9,957 jobs · $945/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,128 | $585 | 1.16 | +1.8% |
| Agriculture, forestry, fishing | 1,048 | $958 | 14.57 | +4.6% |
| Wholesale trade | 248 | $1,338 | 0.65 | +17.5% |
| Finance and insurance | 211 | $1,636 | 0.52 | -7.9% |
| Professional and technical services | 159 | $1,029 | 0.23 | -7.0% |
| Mining, oil and gas | 116 | $2,678 | 3.27 | +41.5% |
| Real estate and rental | 37 | $712 | 0.24 | +0.0% |
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | 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 #
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 #
39 % of conservation capacity, weighted over 2 TWDB reservoirs
Sites found: 3, 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 |
|---|---|---|
| Palo Duro Reservoir | 0 % full · 61k ac-ft | 53 km |
| Lake Meredith | 44 % full · 500k ac-ft | 115 km |
| Lk Meredith nr Sanford, TX | 258,800 Acre-ft (USGS, no capacity on file) | 115 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 #
7 gauges · 0 flooding · 0 with quality panels · 4 stale
Sites found: 7, 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 |
|---|---|---|
| Beaver River near Guymon, OK | flow 0.00 ft³/s · STALE | 3 km |
| Beaver River near Goodwell, OK | stage 6.85 ft · no flooding | 14 km |
| USGS-07232900 | flow 0.00 ft³/s · STALE | 21 km |
| USGS-07233650 | flow 0.14 ft³/s · STALE | 42 km |
| Palo Duro Creek at Palo Duro Reservoir | no flooding | 51 km |
| CIMARRON R NR ELKHART, KS | flow 0.00 ft³/s · observation not current · STALE | 56 km |
| USGS-07233500 | flow 76.1 ft³/s · no flooding | 63 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 #
4 wells in 0 named aquifers:
Sites found: 4, 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-370130101180902 | level 2,905 ft · 2017-11-13 | 35 km |
| USGS-370130101180903 | level 2,900 ft · 2017-09-30 | 35 km |
| USGS-370033100534204 | level 2,691 ft · 2017-09-30 | 60 km |
| USGS-370033100534202 | level 2,656 ft · 2017-09-30 | 60 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 #
high (0.68)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.61 / 0.65
Banks & federal dollars #
$700.7 m in deposits at 8 offices of 4 banks (SOD June 2026); HHI 2,869, highly concentrated. $85.4 m federal obligations in FY2026 (direct payments $74.2 m, grants $11.2 m), $8,577 per covered job
| Item | Value | Distance |
|---|---|---|
| Anchor D Bank | $255.8 m · 36.5% share · 3 offices | |
| Panhandle First Bank | $212.9 m · 30.4% share · 1 office | |
| Equity Bank | $155.9 m · 22.2% share · 3 offices | |
| Texas, OK | $85.4 m FY2026 · $8,577/job | |
| MULTIPLE RECIPIENTS | $63.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Anchor D Bank | $255,773,000 | 36.5% | 3 |
| Panhandle First Bank | $212,871,000 | 30.4% | 1 |
| Equity Bank | $155,871,000 | 22.2% | 3 |
| The First National Bank of Hooker | $76,145,000 | 10.9% | 1 |
Deposit concentration is 2,869 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 = 36.5² + 30.4² + 22.2² + … (1 more) = 2,869
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 | $59,485,334 |
| Department of Transportation | $9,465,308 |
| Department of Agriculture | $8,274,784 |
| Department of Veterans Affairs | $3,658,512 |
| Department of Education | $3,281,445 |
| Department of Health and Human Services | $1,032,700 |
| Railroad Retirement Board | $134,311 |
| Federal Communications Commission | $71,920 |
| Small Business Administration | $0 |
| Department of Energy | $0 |
That is $8,577 per covered job, against 9,957 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $85.4 m / 9,957 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,577
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 | -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 #
Texas County, OK: 7 findings, 1 at a watch level and 6 noted
watchTexas County, OK's average weekly wage is -5.9% 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 = -5.9 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteTexas County, OK's average weekly wage was 5.9% 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
- -5.9 % = 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
noteTexas County, OK's typical home value rose 1.1% from $169,545 in July 2026 to $171,463 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.1% = (171462.72366341497 - 169545.3717144327) / 169545.3717144327 × 100
- 171462.72366341497 = Zillow ZHVI, 2026-08
- 169545.3717144327 = Zillow ZHVI, 2026-07
noteTexas County, OK's covered employment was 1.0% 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
- +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
noteTexas County, OK's typical home value of +8.5% ranks 5th of 77 Oklahoma counties, against a median of +4.0%.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 77 Oklahoma counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 7 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.