Okanogan County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 48.55, -119.74.
Assembled 2026-10-06. Read the brief.
- 72nd pct · 853rd of 3,063 US counties · median $234,566
- 10th pct · 35th of 39 Washington counties · median $433,836
- 19th pct · 2,474th of 3,063 US counties · median +2.9%
- 23rd pct · 30th of 39 Washington counties · median +0.4%
- US counties: not published this period
- Washington counties: not published this period
- 66th pct · 1,065th of 3,221 US counties · median 8,232
- 42nd pct · 23rd of 39 Washington counties · median 18,771
- 31st pct · 2,208th of 3,221 US counties · median $1,039
- 0th pct · 39th of 39 Washington counties · median $1,237
- 81st pct · 553rd of 3,063 US counties · median 4.3
- 36th pct · 25th of 39 Washington counties · median 6.7
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 $313,136 (Aug 2026), -0.2% over one year, +10.9% over five
- 72nd pct · 853rd of 3,063 US counties · median $234,566
- 10th pct · 35th of 39 Washington counties · median $433,836
| Item | Value | Distance |
|---|---|---|
| Okanogan County, WA | $313,136 · -0.2% 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
- Washington 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 $1,714 a month on $313,136 at 7.28%, against an average weekly wage worth $4,151 a month: 41.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $313,136 × 80% = $250,509, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,714/mo principal and interest
- wage share = payment / (avg weekly wage $958 × 52 / 12 = $4,151) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $313,136 / ($958 × 52) = 6.3
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 #
16,461 jobs at 1,615 employers (2026 Q1); -0.5% jobs and +2.1% average weekly wage over the year
- 66th pct · 1,065th of 3,221 US counties · median 8,232
- 42nd pct · 23rd of 39 Washington counties · median 18,771
| Item | Value | Distance |
|---|---|---|
| Okanogan County, WA | 16,461 jobs · $958/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,138 | $723 | 1.33 | -2.4% |
| Health care and social assistance | 1,730 | $991 | 0.70 | -1.8% |
| Accommodation and food services | 1,128 | $501 | 0.76 | +3.6% |
| Manufacturing | 783 | $831 | 0.59 | +6.2% |
| Construction | 553 | $891 | 0.64 | +14.0% |
| Other services | 268 | $657 | 0.54 | -0.4% |
| Professional and technical services | 244 | $1,320 | 0.21 | +9.9% |
| Arts, entertainment and recreation | 230 | $545 | 0.85 | +6.0% |
| Wholesale trade | 171 | $1,384 | 0.27 | -5.5% |
| Transportation and warehousing | 166 | $1,051 | 0.24 | -5.1% |
| Finance and insurance | 149 | $1,397 | 0.22 | -5.7% |
| Information | 137 | $1,852 | 0.45 | -4.9% |
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 #
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 |
|---|---|---|
| LAKE CHELAN AT PURPLE POINT AT STEHEKIN, WA | 1,097 ft (USGS, no capacity on file) | 72 km |
| LAKE CHELAN AT CHELAN, WA | 1,097 ft (USGS, no capacity on file) | 83 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 #
40 gauges · 0 flooding · 10 with quality panels averaging 100 % · 15 stale
Sites found: 40, 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 |
|---|---|---|
| WEST FORK SALMON CREEK NEAR CONCONULLY, WA | flow 4.99 ft³/s | 2 km |
| NORTH FORK SALMON CREEK NEAR CONCONULLY, WA | flow 3.30 ft³/s | 6 km |
| JOHNSON CREEK NEAR RIVERSIDE, WA | flow 8.23 ft³/s | 17 km |
| SALMON CREEK ABOVE DIVERSION NEAR OKANOGAN, WA | flow 3.96 ft³/s | 18 km |
| OKANOGAN RIVER NEAR TONASKET, WA | flow 488.0 ft³/s · quality 100 % (1) | 23 km |
| BONAPARTE CREEK AT TONASKET, WA | flow 0.46 ft³/s | 28 km |
| LOUP LOUP CREEK AT MALOTT, WA | flow 1.04 ft³/s | 30 km |
| OMAK CREEK NEAR OMAK, WA | flow 2.85 ft³/s | 30 km |
| OKANOGAN RIVER AT MALOTT, WA | flow 587.0 ft³/s · quality 100 % (1) | 30 km |
| CHEWUCH RIVER ABOVE CUB CREEK NEAR WINTHROP, WA | flow 23.0 ft³/s · STALE | 32 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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$774.6 m in deposits at 12 offices of 7 banks (SOD June 2026); HHI 2,249, highly concentrated. $438.2 m federal obligations in FY2026 (direct payments $339.9 m, grants $78.8 m), $26,618 per covered job
| Item | Value | Distance |
|---|---|---|
| Glacier Bank | $303.8 m · 39.2% share · 4 offices | |
| Wells Fargo Bank, National Association | $124.5 m · 16.1% share · 2 offices | |
| Columbia Bank | $113.6 m · 14.7% share · 2 offices | |
| Okanogan, WA | $438.2 m FY2026 · $26,618/job | |
| MULTIPLE RECIPIENTS | $288.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Glacier Bank | $303,772,000 | 39.2% | 4 |
| Wells Fargo Bank, National Association | $124,537,000 | 16.1% | 2 |
| Columbia Bank | $113,595,000 | 14.7% | 2 |
| JPMorgan Chase Bank, National Association | $76,888,000 | 9.9% | 1 |
| U.S. Bank National Association | $63,230,000 | 8.2% | 1 |
| WaFd Bank | $51,187,000 | 6.6% | 1 |
| Farmers State Bank | $41,359,000 | 5.3% | 1 |
Deposit concentration is 2,249 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 39.2² + 16.1² + 14.7² + … (4 more) = 2,249
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 | $255,670,114 |
| Department of Agriculture | $50,778,087 |
| Department of the Interior | $50,541,820 |
| Department of Veterans Affairs | $31,321,703 |
| Department of Transportation | $16,757,552 |
| Department of Housing and Urban Development | $14,114,540 |
| Department of Health and Human Services | $8,942,465 |
| Department of Education | $3,502,894 |
| General Services Administration | $1,769,953 |
| Department of Justice | $1,734,785 |
| Department of Homeland Security | $1,126,263 |
| Railroad Retirement Board | $946,415 |
That is $26,618 per covered job, against 16,461 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $438.2 m / 16,461 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,618
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 #
Okanogan County, WA: 10 findings, 5 at a watch level and 5 noted
watchOkanogan County, WA's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOkanogan County, WA's typical home value is -0.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.21970627417343327 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchOkanogan County, WA's typical home value of $313,136 scores 72 on the 0-to-100 scale across US counties but 11 across Washington counties, a gap of 62 points.
Period 2026-08.Show the arithmetic
- 62 = |72 across US counties - 11 across Washington counties|
position among the entities that published this metric this period; not an official level
watchOkanogan County, WA's years of wages of 6.3 scores 82 on the 0-to-100 scale across US counties but 37 across Washington counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |82 across US counties - 37 across Washington counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchOkanogan County, WA's average weekly wage of $958 scores 31 on the 0-to-100 scale across US counties but 0 across Washington counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |31 across US counties - 0 across Washington counties|
position among the entities that published this metric this period; not an official level
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.