Cleveland County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.21, -97.32.
Assembled 2026-10-19. Read the brief.
- 57th pct · 1,314th of 3,063 US counties · median $230,451
- 92nd pct · 7th of 77 Oklahoma counties · median $164,118
- 50th pct · 4th of 7 counties in the Oklahoma City metro · median $251,085
- 26th pct · 2,261st of 3,062 US counties · median +2.9%
- 18th pct · 63rd of 77 Oklahoma counties · median +3.5%
- 16th pct · 6th of 7 counties in the Oklahoma City metro · median +1.1%
- 39th pct · 819th of 1,358 US counties · median $1,506
- 81st pct · 6th of 28 Oklahoma counties · median $1,258
- 60th pct · 3rd of 6 counties in the Oklahoma City metro · median $1,368
- 90th pct · 320th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 77 Oklahoma counties · median 7,282
- 83rd pct · 2nd of 7 counties in the Oklahoma City metro · median 13,982
- 44th pct · 1,796th of 3,221 US counties · median $1,039
- 67th pct · 26th of 77 Oklahoma counties · median $968
- 83rd pct · 2nd of 7 counties in the Oklahoma City metro · median $1,007
- 61st pct · 1,193rd of 3,063 US counties · median 4.2
- 92nd pct · 7th of 77 Oklahoma counties · median 3.3
- 50th pct · 4th of 7 counties in the Oklahoma City metro · median 4.8
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 $251,085 (Sep 2026), +0.6% over one year, +24.3% over five
- 57th pct · 1,314th of 3,063 US counties · median $230,451
- 92nd pct · 7th of 77 Oklahoma counties · median $164,118
- 50th pct · 4th of 7 counties in the Oklahoma City metro · median $251,085
| Item | Value | Distance |
|---|---|---|
| Cleveland County, OK | $251,085 · +0.6% 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 $1,396/mo (Sep 2026), +2.8% over one year; price-to-rent 15.0
- 39th pct · 819th of 1,358 US counties · median $1,506
- 81st pct · 6th of 28 Oklahoma counties · median $1,258
- 60th pct · 3rd of 6 counties in the Oklahoma City metro · median $1,368
| Item | Value | Distance |
|---|---|---|
| Cleveland County, OK | $1,396/mo · +2.8% 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 $1,391 a month on $251,085 at 7.40%, against an average weekly wage worth $4,394 a month: 31.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $251,085 × 80% = $200,868, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,391/mo principal and interest
- wage share = payment / (avg weekly wage $1,014 × 52 / 12 = $4,394) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $251,085 / ($1,014 × 52) = 4.8
- price-to-rent = $251,085 / ($1,396 × 12) = 15.0
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 #
92,276 jobs at 7,410 employers (2026 Q1); -0.5% jobs and +2.4% average weekly wage over the year
- 90th pct · 320th of 3,221 US counties · median 8,232
- 97th pct · 3rd of 77 Oklahoma counties · median 7,282
- 83rd pct · 2nd of 7 counties in the Oklahoma City metro · median 13,982
| Item | Value | Distance |
|---|---|---|
| Cleveland County, OK | 92,276 jobs · $1,014/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 13,028 | $436 | 1.57 | -1.4% |
| Retail trade | 11,547 | $676 | 1.28 | -1.3% |
| Health care and social assistance | 10,170 | $893 | 0.73 | -0.6% |
| Construction | 4,952 | $1,209 | 1.02 | +1.9% |
| Administrative and waste services | 4,505 | $874 | 0.86 | +5.8% |
| Professional and technical services | 4,067 | $1,465 | 0.64 | -4.5% |
| Transportation and warehousing | 3,784 | $905 | 0.97 | -0.6% |
| Manufacturing | 3,619 | $1,403 | 0.49 | -2.7% |
| Finance and insurance | 2,672 | $1,682 | 0.71 | -1.7% |
| Other services | 2,329 | $842 | 0.84 | +5.9% |
| Wholesale trade | 2,201 | $1,478 | 0.62 | -5.9% |
| Educational services | 1,472 | $584 | 0.74 | +26.6% |
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 #
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 #
Surface water layer not loaded
Sites found: 0, 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 #
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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$6.2 bn in deposits at 70 offices of 28 banks (SOD June 2026); HHI 897, unconcentrated. $2.2 bn federal obligations in FY2026 (direct payments $1.7 bn, grants $267.5 m), $23,705 per covered job
| Item | Value | Distance |
|---|---|---|
| MidFirst Bank | $961.0 m · 15.5% share · 7 offices | |
| BancFirst | $799.5 m · 12.9% share · 8 offices | |
| Armstrong Bank | $641.8 m · 10.4% share · 5 offices | |
| Cleveland, OK | $2.2 bn FY2026 · $23,705/job | |
| MULTIPLE RECIPIENTS | $1.6 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| MidFirst Bank | $960,983,000 | 15.5% | 7 |
| BancFirst | $799,484,000 | 12.9% | 8 |
| Armstrong Bank | $641,803,000 | 10.4% | 5 |
| First United Bank and Trust Company | $622,450,000 | 10.0% | 5 |
| Arvest Bank | $594,710,000 | 9.6% | 8 |
| First Fidelity Bank | $561,562,000 | 9.1% | 6 |
| JPMorgan Chase Bank, National Association | $411,516,000 | 6.6% | 3 |
| BOKF, National Association | $263,913,000 | 4.3% | 2 |
| First-Citizens Bank & Trust Company | $239,359,000 | 3.9% | 1 |
| Bank of America, National Association | $228,920,000 | 3.7% | 1 |
Deposit concentration is 897 across 28 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 28 banks with deposits in the county = 15.5² + 12.9² + 10.4² + … (25 more) = 897
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 $23,705 per covered job, against 92,276 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 92,276 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,705
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 #
Cleveland County, OK: 16 findings, 5 at a watch level and 11 noted
watchCleveland County, OK'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
watchCleveland County, OK's typical asking rent of $1,396 scores 40 on the 0-to-100 scale across US counties but 81 across Oklahoma counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |40 across US counties - 81 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
watchCleveland County, OK's typical home value of $251,085 scores 57 on the 0-to-100 scale across US counties but 92 across Oklahoma counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |57 across US counties - 92 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
watchCleveland County, OK's price-to-rent ratio of 15.0 scores 28 on the 0-to-100 scale across US counties but 63 across Oklahoma counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |28 across US counties - 63 across Oklahoma counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchCleveland County, OK's years of wages of 4.8 scores 61 on the 0-to-100 scale across US counties but 92 across Oklahoma counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |61 across US counties - 92 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
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.