Woodward County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.43, -99.27.
Assembled 2026-10-06. Read the brief.
- 10th pct · 2,731st of 3,063 US counties · median $234,566
- 30th pct · 54th of 77 Oklahoma counties · median $169,041
- 45th pct · 1,658th of 3,063 US counties · median +2.9%
- 32nd pct · 52nd of 77 Oklahoma counties · median +4.0%
- 31st pct · 962nd of 1,399 US counties · median $1,496
- 50th pct · 14th of 27 Oklahoma counties · median $1,304
- 49th pct · 1,632nd of 3,221 US counties · median 8,232
- 52nd pct · 37th of 77 Oklahoma counties · median 7,282
- 69th pct · 981st of 3,221 US counties · median $1,039
- 86th pct · 11th of 77 Oklahoma counties · median $968
- 6th pct · 2,850th of 3,063 US counties · median 4.3
- 19th pct · 62nd 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 $136,078 (Aug 2026), +2.6% over one year, +9.9% over five
- 10th pct · 2,731st of 3,063 US counties · median $234,566
- 30th pct · 54th of 77 Oklahoma counties · median $169,041
| Item | Value | Distance |
|---|---|---|
| Woodward County, OK | $136,078 · +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 #
Typical rent $1,304/mo (Aug 2026), n/a over one year; price-to-rent 8.7
- 31st pct · 962nd of 1,399 US counties · median $1,496
- 50th pct · 14th of 27 Oklahoma counties · median $1,304
| Item | Value | Distance |
|---|---|---|
| Woodward County, OK | $1,304/mo · n/a 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 $745 a month on $136,078 at 7.28%, against an average weekly wage worth $4,966 a month: 15.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $136,078 × 80% = $108,862, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $745/mo principal and interest
- wage share = payment / (avg weekly wage $1,146 × 52 / 12 = $4,966) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $136,078 / ($1,146 × 52) = 2.3
- price-to-rent = $136,078 / ($1,304 × 12) = 8.7
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 #
7,985 jobs at 795 employers (2026 Q1); -0.2% jobs and +6.2% average weekly wage over the year
- 49th pct · 1,632nd of 3,221 US counties · median 8,232
- 52nd pct · 37th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Woodward County, OK | 7,985 jobs · $1,146/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,087 | $660 | 1.40 | -1.8% |
| Construction | 862 | $1,622 | 2.06 | +28.1% |
| Accommodation and food services | 842 | $369 | 1.17 | -0.8% |
| Mining, oil and gas | 799 | $1,829 | 28.10 | -9.5% |
| Health care and social assistance | 741 | $945 | 0.62 | -7.4% |
| Manufacturing | 396 | $2,232 | 0.62 | +3.9% |
| Other services | 269 | $909 | 1.13 | -4.6% |
| Finance and insurance | 264 | $1,902 | 0.81 | -6.4% |
| Wholesale trade | 263 | $1,129 | 0.86 | +2.7% |
| Transportation and warehousing | 183 | $1,705 | 0.54 | -2.7% |
| Professional and technical services | 162 | $923 | 0.29 | -1.8% |
| Real estate and rental | 159 | $1,138 | 1.30 | +13.6% |
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 #
D2 severe 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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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 |
|---|---|---|
| Canton Lake near Canton, OK | 77,740 Acre-ft (USGS, no capacity on file) | 71 km |
| Foss Reservoir near Foss, OK | 142,400 Acre-ft (USGS, no capacity on file) | 99 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 #
20 gauges · 0 flooding · 3 with quality panels averaging 92 % · 5 stale
Sites found: 20, 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 |
|---|---|---|
| North Canadian River at Woodward, OK | flow 5.55 ft³/s · no flooding | 1 km |
| USGS-362726099230401 | temp 15.5 °C · quality 100 % (1) · STALE | 11 km |
| North Canadian River at Woodward | observation not current | 11 km |
| Wolf Creek near Fort Supply | no readings | 28 km |
| Wolf Creek near Fort Supply, OK | flow 1.40 ft³/s · STALE | 29 km |
| Wolf Creek at Fort Supply Lake | no readings | 30 km |
| Beaver River near Fort Supply | no readings | 34 km |
| Cimarron River near Waynoka, OK | flow 38.8 ft³/s · no flooding | 37 km |
| Buffalo Creek near Lovedale, OK | flow 0.31 ft³/s · STALE | 39 km |
| USGS-361145098560401 | temp 15.3 °C · quality 100 % (1) · STALE | 40 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 #
13 wells in 0 named aquifers:
Sites found: 13, 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-362726099230401 | depth 8.38 ft · 2013-12-03 | 11 km |
| USGS-361256099102101 | depth 11.8 ft · 1990-09-26 | 25 km |
| USGS-361714099315101 | depth 25.7 ft · 2011-10-02 | 28 km |
| USGS-361145098560401 | depth 6.94 ft · 2013-12-03 | 40 km |
| USGS-363102098495301 | depth 13.2 ft · 1989-01-02 | 41 km |
| USGS-360110099215001 | depth 2.85 ft · 2016-04-06 | 46 km |
| USGS-361536099464601 | depth 76.9 ft · 1995-09-30 | 49 km |
| USGS-360022098525501 | depth 3.67 ft · 2016-04-06 | 58 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 (0.35)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.08 / 0.55
Banks & federal dollars #
$974.2 m in deposits at 12 offices of 8 banks (SOD June 2026); HHI 1,690, moderately concentrated. $113.2 m federal obligations in FY2026 (direct payments $103.9 m, contracts $5.8 m), $14,182 per covered job
| Item | Value | Distance |
|---|---|---|
| The Stock Exchange Bank | $252.7 m · 25.9% share · 3 offices | |
| MidFirst Bank | $204.0 m · 20.9% share · 2 offices | |
| Bank 7 | $155.4 m · 16.0% share · 1 office | |
| Woodward, OK | $113.2 m FY2026 · $14,182/job | |
| MULTIPLE RECIPIENTS | $101.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Stock Exchange Bank | $252,684,000 | 25.9% | 3 |
| MidFirst Bank | $204,029,000 | 20.9% | 2 |
| Bank 7 | $155,437,000 | 16.0% | 1 |
| Great Plains National Bank | $97,843,000 | 10.0% | 1 |
| Bank of Western Oklahoma | $95,575,000 | 9.8% | 1 |
| Stride Bank, National Association | $87,864,000 | 9.0% | 2 |
| Dream First Bank, National Association | $63,372,000 | 6.5% | 1 |
| THE SEILING STATE BANK | $17,390,000 | 1.8% | 1 |
Deposit concentration is 1,690 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 25.9² + 20.9² + 16.0² + … (5 more) = 1,690
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 | $90,987,570 |
| Department of Veterans Affairs | $10,256,335 |
| Department of Agriculture | $6,700,464 |
| Department of Transportation | $2,574,166 |
| Department of Health and Human Services | $694,923 |
| Department of Education | $406,856 |
| Department of Housing and Urban Development | $373,765 |
| Federal Communications Commission | $370,771 |
| Department of the Interior | $360,690 |
| Railroad Retirement Board | $339,005 |
| Department of Defense | $175,690 |
That is $14,182 per covered job, against 7,985 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $113.2 m / 7,985 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,182
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 #
Woodward County, OK: 10 findings, 2 at a watch level and 8 noted
watchWoodward County, OK's typical asking rent is -2.4% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-08.Show the arithmetic
- test: rent.momPct = -2.419058561688848 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchWoodward County, OK's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWoodward County, OK's average weekly wage was 6.2% 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
- +6.2 % = 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
noteWoodward County, OK's typical asking rent fell 2.4% from $1,336 in July 2026 to $1,304 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -2.4% = (1304.1666666666667 - 1336.4973195007926) / 1336.4973195007926 × 100
- 1304.1666666666667 = Zillow ZORI, 2026-08
- 1336.4973195007926 = Zillow ZORI, 2026-07
noteWoodward County, OK's covered employment was 0.2% 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
- -0.2 % = 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 10 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.