Washington County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.70, -95.91.
Assembled 2026-10-06. Read the brief.
- 31st pct · 2,109th of 3,063 US counties · median $234,566
- 63rd pct · 29th of 77 Oklahoma counties · median $169,041
- 78th pct · 650th of 3,063 US counties · median +2.9%
- 81st pct · 15th of 77 Oklahoma counties · median +4.0%
- 28th pct · 1,000th of 1,399 US counties · median $1,496
- 46th pct · 15th of 27 Oklahoma counties · median $1,304
- 69th pct · 976th of 3,221 US counties · median 8,232
- 81st pct · 15th of 77 Oklahoma counties · median 7,282
- 92nd pct · 243rd of 3,221 US counties · median $1,039
- 98th pct · 2nd of 77 Oklahoma counties · median $968
- 8th pct · 2,788th of 3,063 US counties · median 4.3
- 22nd pct · 60th 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 $186,560 (Aug 2026), +5.8% over one year, +32.2% over five
- 31st pct · 2,109th of 3,063 US counties · median $234,566
- 63rd pct · 29th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Washington County, OK | $186,560 · +5.8% 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 #
Typical rent $1,275/mo (Aug 2026), +0.3% over one year; price-to-rent 12.2
- 28th pct · 1,000th of 1,399 US counties · median $1,496
- 46th pct · 15th of 27 Oklahoma counties · median $1,304
| Item | Value | Distance |
|---|---|---|
| Washington County, OK | $1,275/mo · +0.3% 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 $1,021 a month on $186,560 at 7.28%, against an average weekly wage worth $6,465 a month: 15.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $186,560 × 80% = $149,248, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,021/mo principal and interest
- wage share = payment / (avg weekly wage $1,492 × 52 / 12 = $6,465) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $186,560 / ($1,492 × 52) = 2.4
- price-to-rent = $186,560 / ($1,275 × 12) = 12.2
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 #
18,718 jobs at 1,421 employers (2026 Q1); -1.5% jobs and +8.1% average weekly wage over the year
- 69th pct · 976th of 3,221 US counties · median 8,232
- 81st pct · 15th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Washington County, OK | 18,718 jobs · $1,492/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,517 | $882 | 0.89 | -2.2% |
| Retail trade | 2,362 | $770 | 1.29 | -2.8% |
| Mining, oil and gas | 2,013 | $5,404 | 30.20 | +0.0% |
| Accommodation and food services | 1,936 | $401 | 1.15 | -2.0% |
| Construction | 985 | $1,225 | 1.00 | +26.0% |
| Transportation and warehousing | 972 | $1,472 | 1.23 | -11.2% |
| Finance and insurance | 961 | $1,686 | 1.26 | -1.3% |
| Administrative and waste services | 841 | $759 | 0.79 | -1.2% |
| Other services | 711 | $1,022 | 1.27 | -3.1% |
| Manufacturing | 659 | $1,414 | 0.44 | +2.6% |
| Professional and technical services | 469 | $1,283 | 0.36 | +0.0% |
| Educational services | 439 | $681 | 1.09 | +16.8% |
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 #
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 | 1,307,000 Acre-ft (USGS, no capacity on file) | 82 km |
| Lake Hudson near Locust Grove, OK | 212,400 Acre-ft (USGS, no capacity on file) | 84 km |
| Spavinaw Lake at Spavinaw, OK | 25,830 Acre-ft (USGS, no capacity on file) | 85 km |
| Lake Eucha near Eucha, OK | 58,300 Acre-ft (USGS, no capacity on file) | 94 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 #
34 gauges · 0 flooding · 3 with quality panels averaging 100 % · 10 stale
Sites found: 34, 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 |
|---|---|---|
| Caney River at Tuxedo Blvd at Bartlesville, OK | stage 5.20 ft | 7 km |
| Caney River above Coon Creek at Bartlesville, OK | flow 17.4 ft³/s | 8 km |
| Sand Creek at Okesa, OK | flow 21.0 ft³/s · STALE | 20 km |
| Caney River near Ramona, OK | flow 23.5 ft³/s | 22 km |
| Bird Creek at Avant, OK | flow 11.4 ft³/s | 28 km |
| Birch Creek blw Birch Lake nr Barnsdall, OK | flow 6.80 ft³/s · STALE | 30 km |
| Verdigris River near Lenapah, OK | flow 89.1 ft³/s | 33 km |
| Bird Creek at SH 99 at Pawhuska, OK | flow 66.4 ft³/s | 37 km |
| Verdigris River near Oologah, OK | flow 281.0 ft³/s · STALE | 37 km |
| VERDIGRIS R AT COFFEYVILLE, KS | flow 69.0 ft³/s | 44 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 #
7 wells in 0 named aquifers:
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 |
|---|---|---|
| USGS-362935096291501 | depth 6.42 ft · 2026-10-05 | 44 km |
| USGS-362823096224201 | depth 33.8 ft · 2020-02-12 | 49 km |
| USGS-365458095213101 | depth 6.91 ft · 1982-10-19 | 54 km |
| USGS-364337096315401 | depth 159.7 ft · 2026-10-05 | 56 km |
| USGS-364705095135302 | depth 26.5 ft · 1988-11-17 | 61 km |
| USGS-365502095121801 | depth 22.0 ft · 1983-05-05 | 67 km |
| USGS-363230095054901 | depth 58.6 ft · 2020-11-09 | 74 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 #
$1.0 bn in deposits at 16 offices of 10 banks (SOD June 2026); HHI 3,928, highly concentrated. $354.2 m federal obligations in FY2026 (direct payments $350.0 m, contracts $2.4 m), $18,923 per covered job
| Item | Value | Distance |
|---|---|---|
| Arvest Bank | $622.7 m · 60.3% share · 6 offices | |
| BancFirst | $134.0 m · 13.0% share · 2 offices | |
| Gateway First Bank | $69.5 m · 6.7% share · 1 office | |
| Washington, OK | $354.2 m FY2026 · $18,923/job | |
| MULTIPLE RECIPIENTS | $342.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Arvest Bank | $622,720,000 | 60.3% | 6 |
| BancFirst | $133,959,000 | 13.0% | 2 |
| Gateway First Bank | $69,513,000 | 6.7% | 1 |
| BOKF, National Association | $60,671,000 | 5.9% | 1 |
| Armstrong Bank | $48,758,000 | 4.7% | 1 |
| American Heritage Bank | $30,403,000 | 2.9% | 1 |
| RCB Bank | $24,511,000 | 2.4% | 1 |
| Union State Bank | $23,858,000 | 2.3% | 1 |
| Stride Bank, National Association | $16,034,000 | 1.6% | 1 |
| The City National Bank and Trust Company of Lawton, Oklahoma | $2,353,000 | 0.2% | 1 |
Deposit concentration is 3,928 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 60.3² + 13.0² + 6.7² + … (7 more) = 3,928
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 | $296,383,158 |
| Department of Veterans Affairs | $44,081,274 |
| Department of Housing and Urban Development | $5,162,519 |
| Department of Education | $2,521,468 |
| Department of the Interior | $2,338,241 |
| Railroad Retirement Board | $1,433,768 |
| Department of Agriculture | $646,844 |
| Department of Health and Human Services | $595,347 |
| Federal Communications Commission | $590,662 |
| Department of Defense | $262,648 |
| Department of Justice | $200,000 |
| Department of Energy | $45,000 |
That is $18,923 per covered job, against 18,718 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $354.2 m / 18,718 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,923
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 #
Washington County, OK: 12 findings, 2 at a watch level and 10 noted
watchWashington 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
watchWashington County, OK's typical home value of $186,560 scores 31 on the 0-to-100 scale across US counties but 63 across Oklahoma counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |31 across US counties - 63 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteWashington County, OK's average weekly wage was 8.1% 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
- +8.1 % = 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
noteWashington County, OK's typical asking rent rose 1.7% from $1,253 in July 2026 to $1,275 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.7% = (1274.5714285714287 - 1253.4183637281994) / 1253.4183637281994 × 100
- 1274.5714285714287 = Zillow ZORI, 2026-08
- 1253.4183637281994 = Zillow ZORI, 2026-07
noteWashington 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
Read all 12 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.