Delaware County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.39, -94.81.
Assembled 2026-10-19. Read the brief.
- 70th pct · 902nd of 3,063 US counties · median $230,451
- 98th pct · 2nd of 77 Oklahoma counties · median $164,118
- 64th pct · 1,092nd of 3,062 US counties · median +2.9%
- 59th pct · 32nd of 77 Oklahoma counties · median +3.5%
- US counties: not published this period
- Oklahoma counties: not published this period
- 53rd pct · 1,491st of 3,221 US counties · median 8,232
- 59th pct · 32nd of 77 Oklahoma counties · median 7,282
- 12th pct · 2,799th of 3,221 US counties · median $1,039
- 18th pct · 63rd of 77 Oklahoma counties · median $968
- 86th pct · 410th of 3,063 US counties · median 4.2
- 100th pct · 1st 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 $300,963 (Sep 2026), +4.0% over one year, +22.9% over five
- 70th pct · 902nd of 3,063 US counties · median $230,451
- 98th pct · 2nd of 77 Oklahoma counties · median $164,118
| Item | Value | Distance |
|---|---|---|
| Delaware County, OK | $300,963 · +4.0% 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 $1,667 a month on $300,963 at 7.40%, against an average weekly wage worth $3,727 a month: 44.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $300,963 × 80% = $240,771, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,667/mo principal and interest
- wage share = payment / (avg weekly wage $860 × 52 / 12 = $3,727) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $300,963 / ($860 × 52) = 6.7
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 #
9,504 jobs at 971 employers (2026 Q1); -0.7% jobs and +3.6% average weekly wage over the year
- 53rd pct · 1,491st of 3,221 US counties · median 8,232
- 59th pct · 32nd of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Delaware County, OK | 9,504 jobs · $860/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,507 | $607 | 1.63 | -1.2% |
| Accommodation and food services | 1,092 | $457 | 1.28 | +0.1% |
| Construction | 761 | $1,215 | 1.53 | +2.3% |
| Administrative and waste services | 553 | $1,086 | 1.02 | +15.7% |
| Manufacturing | 543 | $1,095 | 0.71 | -9.2% |
| Finance and insurance | 286 | $1,277 | 0.74 | +5.1% |
| Other services | 274 | $570 | 0.96 | -7.4% |
| Transportation and warehousing | 215 | $840 | 0.54 | +20.1% |
| Arts, entertainment and recreation | 152 | $631 | 0.97 | +49.0% |
| Agriculture, forestry, fishing | 123 | $1,300 | 1.79 | +0.0% |
| Wholesale trade | 92 | $1,760 | 0.25 | -7.1% |
| Utilities | 38 | $2,046 | 1.01 | -37.7% |
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 #
$875.7 m in deposits at 11 offices of 8 banks (SOD June 2026); HHI 2,463, highly concentrated. $333.9 m federal obligations in FY2026 (direct payments $306.1 m, grants $18.0 m), $35,132 per covered job
| Item | Value | Distance |
|---|---|---|
| Grand Savings Bank | $339.9 m · 38.8% share · 2 offices | |
| Bank of Grand Lake | $190.5 m · 21.8% share · 1 office | |
| Arvest Bank | $164.0 m · 18.7% share · 3 offices | |
| Delaware, OK | $333.9 m FY2026 · $35,132/job | |
| MULTIPLE RECIPIENTS | $299.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Grand Savings Bank | $339,926,000 | 38.8% | 2 |
| Bank of Grand Lake | $190,483,000 | 21.8% | 1 |
| Arvest Bank | $164,043,000 | 18.7% | 3 |
| BancFirst | $79,106,000 | 9.0% | 1 |
| BOKF, National Association | $54,871,000 | 6.3% | 1 |
| Local Bank | $23,172,000 | 2.6% | 1 |
| Carson Community Bank | $13,490,000 | 1.5% | 1 |
| RCB Bank | $10,586,000 | 1.2% | 1 |
Deposit concentration is 2,463 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 38.8² + 21.8² + 18.7² + … (5 more) = 2,463
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 $35,132 per covered job, against 9,504 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $333.9 m / 9,504 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,132
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 #
Delaware County, OK: 8 findings, 1 at a watch level and 7 noted
watchDelaware County, OK's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDelaware County, OK's average weekly wage was 3.6% 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
- +3.6 % = 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
noteDelaware County, OK's typical home value fell 0.9% from $303,750 in August 2026 to $300,963 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.9% = (300963.4539680828 - 303750.4779162435) / 303750.4779162435 × 100
- 300963.4539680828 = Zillow ZHVI, 2026-09
- 303750.4779162435 = Zillow ZHVI, 2026-08
noteDelaware County, OK's covered employment was 0.7% 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
- -0.7 % = 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
noteDelaware County, OK's years of wages of 6.7 ranks 1st of 77 Oklahoma counties, against a median of 3.3.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 77 Oklahoma counties that published yearsOfWages
- 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 8 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.