Atoka County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.39, -96.04.
Assembled 2026-10-19. Read the brief.
- 43rd pct · 1,734th of 3,063 US counties · median $230,451
- 77th pct · 18th of 77 Oklahoma counties · median $164,118
- 66th pct · 1,036th of 3,062 US counties · median +2.9%
- 63rd pct · 29th of 77 Oklahoma counties · median +3.5%
- US counties: not published this period
- Oklahoma counties: not published this period
- 28th pct · 2,309th of 3,221 US counties · median 8,232
- 35th pct · 50th of 77 Oklahoma counties · median 7,282
- 4th pct · 3,084th of 3,221 US counties · median $1,039
- 2nd pct · 75th of 77 Oklahoma counties · median $968
- 70th pct · 901st of 3,063 US counties · median 4.2
- 96th pct · 4th of 77 Oklahoma counties · median 3.3
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 $213,742 (Sep 2026), +4.2% over one year, +41.4% over five
- 43rd pct · 1,734th of 3,063 US counties · median $230,451
- 77th pct · 18th of 77 Oklahoma counties · median $164,118
| Item | Value | Distance |
|---|---|---|
| Atoka County, OK | $213,742 · +4.2% 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
- 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 $1,184 a month on $213,742 at 7.40%, against an average weekly wage worth $3,337 a month: 35.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $213,742 × 80% = $170,994, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,184/mo principal and interest
- wage share = payment / (avg weekly wage $770 × 52 / 12 = $3,337) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $213,742 / ($770 × 52) = 5.3
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 #
3,503 jobs at 348 employers (2026 Q1); -1.8% jobs and +1.4% average weekly wage over the year
- 28th pct · 2,309th of 3,221 US counties · median 8,232
- 35th pct · 50th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Atoka County, OK | 3,503 jobs · $770/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 544 | $608 | 1.59 | +1.3% |
| Health care and social assistance | 286 | $519 | 0.54 | -5.3% |
| Finance and insurance | 146 | $1,116 | 1.02 | -2.7% |
| Transportation and warehousing | 130 | $820 | 0.88 | -6.5% |
| Professional and technical services | 117 | $1,226 | 0.48 | +24.5% |
| Manufacturing | 92 | $691 | 0.33 | -11.5% |
| Construction | 58 | $1,098 | 0.32 | -28.4% |
| Other services | 46 | $533 | 0.44 | -17.9% |
| Real estate and rental | 12 | $1,066 | 0.22 | +33.3% |
| Information | 9 | $1,243 | 0.14 | -25.0% |
| Educational services | 5 | $1,207 | 0.07 | -16.7% |
| Agriculture, forestry, fishing | 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 #
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 #
Surface water layer not loaded
Sites found: 9, 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 |
|---|---|---|
| Pat Mayse Lake | 89 % full · 114k ac-ft | 75 km |
| Bois d'Arc Lake | 88 % full · 368k ac-ft | 76 km |
| Lake Texoma | 95 % full · 1,244k ac-ft | 81 km |
| Lake Bonham | 76 % full · 11k ac-ft | 84 km |
| Lake Crook | 83 % full · 9k ac-ft | 86 km |
| Cooper (Chapman) Lake | 66 % full · 259k ac-ft | 124 km |
| Moss Lake | 99 % full · 24k ac-ft | 128 km |
| Lake Sulphur Springs | 84 % full · 18k ac-ft | 141 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 #
Surface water layer not loaded
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 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 (0.31)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.09 / 0.65
Banks & federal dollars #
$335.3 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 5,876, highly concentrated. $87.0 m federal obligations in FY2026 (direct payments $83.0 m, grants $3.7 m), $24,839 per covered job
| Item | Value | Distance |
|---|---|---|
| Ameristate Bank | $237.8 m · 70.9% share · 2 offices | |
| FirstBank | $97.5 m · 29.1% share · 1 office | |
| Atoka, OK | $87.0 m FY2026 · $24,839/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Ameristate Bank | $237,815,000 | 70.9% | 2 |
| FirstBank | $97,482,000 | 29.1% | 1 |
Deposit concentration is 5,876 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 70.9² + 29.1² = 5,876
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 #
That is $24,839 per covered job, against 3,503 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $87.0 m / 3,503 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,839
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Atoka County, OK: 9 findings, 2 at a watch level and 7 noted
watchAtoka County, OK's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchAtoka County, OK's typical home value of $213,742 scores 43 on the 0-to-100 scale across US counties but 78 across Oklahoma counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |43 across US counties - 78 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteAtoka County, OK's covered employment was 1.8% 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
- -1.8 % = 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
noteAtoka County, OK's average weekly wage was 1.4% 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
- +1.4 % = 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
noteAtoka County, OK's average weekly wage of $770 ranks 75th of 77 Oklahoma counties, against a median of $968.
Period 2026 Q1.Show the arithmetic
- 3 on the 0-to-100 scale across 77 Oklahoma counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
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.