Bryan County, OK

Home values #

Typical home $228,588 (Sep 2026), -0.7% over one year, +19.8% over five

• 48th pct · 1,563rd of 3,063 US counties · median $230,451
• 85th pct · 12th of 77 Oklahoma counties · median $164,118

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 $1,508/mo (Sep 2026), +3.8% over one year; price-to-rent 12.6

• 50th pct · 677th of 1,358 US counties · median $1,506
• 88th pct · 4th of 28 Oklahoma counties · median $1,258

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 $1,266 a month on $228,588 at 7.40%, against an average weekly wage worth $4,615 a month: 27.4% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $228,588 × 80% = $182,870, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,266/mo principal and interest
• wage share = payment / (avg weekly wage $1,065 × 52 / 12 = $4,615) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $228,588 / ($1,065 × 52) = 4.1
• price-to-rent = $228,588 / ($1,508 × 12) = 12.6

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 #

21,966 jobs at 1,257 employers (2026 Q1); +0.1% jobs and +2.2% average weekly wage over the year

• 72nd pct · 872nd of 3,221 US counties · median 8,232
• 85th pct · 12th of 77 Oklahoma counties · median 7,282

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 #

87 % of conservation capacity, weighted over 19 TWDB reservoirs

Sites found: 24, 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.

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 #

26 gauges · 0 flooding · 2 with quality panels averaging 88 % · 5 stale

Sites found: 26, 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 #

17 wells in 5 named aquifers: Alluvial aquifers, Arbuckle-Simpson aquifer, Edwards-Trinity aquifer system…

Sites found: 17, 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 (0.38)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.13 + 0.2×0.13 / 0.85

Banks & federal dollars #

$3.9 bn in deposits at 16 offices of 6 banks (SOD June 2026); HHI 7,807, highly concentrated. $379.0 m federal obligations in FY2026 (direct payments $293.2 m, grants $85.3 m), $17,256 per covered job

Deposit concentration is 7,807 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 6 banks with deposits in the county = 88.1² + 4.1² + 3.7² + … (3 more) = 7,807

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.

That is $17,256 per covered job, against 21,966 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $379.0 m / 21,966 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,256

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.

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 #

Bryan County, OK: 11 findings, 4 at a watch level and 7 noted

1. watchBryan County, OK's typical home value is -0.7% 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 2026-09.
   Show the arithmetic

   • test: home.yoyPct = -0.7166174045004238 < 0

   arithmetic on Zillow ZHVI, county and metro files; not an official level

2. watchBryan County, OK's typical asking rent of $1,508 scores 50 on the 0-to-100 scale across US counties but 89 across Oklahoma counties, a gap of 39 points.

   Period 2026-09.
   Show the arithmetic

   • 39 = |50 across US counties - 89 across Oklahoma counties|

   position among the entities that published this metric this period; not an official level

3. watchBryan County, OK's typical home value of $228,588 scores 49 on the 0-to-100 scale across US counties but 86 across Oklahoma counties, a gap of 37 points.

   Period 2026-09.
   Show the arithmetic

   • 37 = |49 across US counties - 86 across Oklahoma counties|

   position among the entities that published this metric this period; not an official level

4. watchBryan County, OK's years of wages of 4.1 scores 48 on the 0-to-100 scale across US counties but 79 across Oklahoma counties, a gap of 31 points.

   Period 2026-09.
   Show the arithmetic

   • 31 = |48 across US counties - 79 across Oklahoma 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

5. noteBryan County, OK's typical asking rent rose 2.2% from $1,475 in August 2026 to $1,508 in September 2026, on Zillow ZORI.

   Period 2026-09.
   Show the arithmetic

   • +2.2% = (1508.4615384615383 - 1475.430643145673) / 1475.430643145673 × 100
   • 1508.4615384615383 = Zillow ZORI, 2026-09
   • 1475.430643145673 = Zillow ZORI, 2026-08

Read all 11 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.