Garvin County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.71, -97.31.
Assembled 2026-10-19. Read the brief.
- 16th pct · 2,552nd of 3,063 US counties · median $230,451
- 39th pct · 47th of 77 Oklahoma counties · median $164,118
- 61st pct · 1,189th of 3,062 US counties · median +2.9%
- 55th pct · 35th of 77 Oklahoma counties · median +3.5%
- US counties: not published this period
- Oklahoma counties: not published this period
- 52nd pct · 1,517th of 3,221 US counties · median 8,232
- 55th pct · 35th of 77 Oklahoma counties · median 7,282
- 65th pct · 1,101st of 3,221 US counties · median $1,039
- 85th pct · 12th of 77 Oklahoma counties · median $968
- 12th pct · 2,677th of 3,063 US counties · median 4.2
- 28th pct · 55th 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 $149,701 (Sep 2026), +3.7% over one year, +33.3% over five
- 16th pct · 2,552nd of 3,063 US counties · median $230,451
- 39th pct · 47th of 77 Oklahoma counties · median $164,118
| Item | Value | Distance |
|---|---|---|
| Garvin County, OK | $149,701 · +3.7% 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 $829 a month on $149,701 at 7.40%, against an average weekly wage worth $4,849 a month: 17.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $149,701 × 80% = $119,761, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $829/mo principal and interest
- wage share = payment / (avg weekly wage $1,119 × 52 / 12 = $4,849) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $149,701 / ($1,119 × 52) = 2.6
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 #
9,240 jobs at 824 employers (2026 Q1); -2.6% jobs and +0.8% average weekly wage over the year
- 52nd pct · 1,517th of 3,221 US counties · median 8,232
- 55th pct · 35th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Garvin County, OK | 9,240 jobs · $1,119/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 1,494 | $1,298 | 3.84 | -7.3% |
| Retail trade | 1,191 | $844 | 1.32 | -6.1% |
| Manufacturing | 896 | $1,940 | 1.21 | -3.2% |
| Health care and social assistance | 879 | $923 | 0.63 | +0.0% |
| Construction | 665 | $1,443 | 1.37 | +13.9% |
| Mining, oil and gas | 520 | $1,383 | 15.81 | -2.8% |
| Professional and technical services | 323 | $1,306 | 0.51 | +12.2% |
| Wholesale trade | 242 | $1,486 | 0.68 | +3.0% |
| Finance and insurance | 218 | $1,166 | 0.58 | -2.7% |
| Other services | 101 | $1,024 | 0.37 | +7.4% |
| Agriculture, forestry, fishing | 99 | $731 | 1.48 | +1.0% |
| Real estate and rental | 65 | $1,347 | 0.46 | +3.2% |
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 #
D1 moderate 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 #
91 % of conservation capacity, weighted over 5 TWDB reservoirs
Sites found: 18, 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 Fuqua near Duncan, OK | 19,510 Acre-ft (USGS, no capacity on file) | 35 km |
| Lake Humphreys near Duncan, OK | 11,240 Acre-ft (USGS, no capacity on file) | 54 km |
| Lake Thunderbird near Norman, OK | 107,500 Acre-ft (USGS, no capacity on file) | 58 km |
| Stanley Draper Lake near Oklahoma City, OK | 84,180 Acre-ft (USGS, no capacity on file) | 69 km |
| Shawnee Reservoir at Shawnee, OK | 23,050 Acre-ft (USGS, no capacity on file) | 75 km |
| SCS Pond No. 26 near Cyril, OK | 168.6 Acre-ft (USGS, no capacity on file) | 87 km |
| Lake Overholser near Oklahoma City, OK | 16,640 Acre-ft (USGS, no capacity on file) | 92 km |
| Lake Ellsworth near Elgin, OK | 13,540 Acre-ft (USGS, no capacity on file) | 97 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 #
34 gauges · 0 flooding · 1 with quality panels averaging 75 % · 13 stale
Sites found: 34, 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 |
|---|---|---|
| Washita River near Pauls Valley, OK | flow 4,750 ft³/s | 8 km |
| Washington Creek near Pauls Valley, OK | flow 1.40 ft³/s · STALE | 16 km |
| Wildhorse Creek near Hoover, OK | stage 10.3 ft | 20 km |
| Rush Creek at Purdy, OK | flow 3.90 ft³/s · STALE | 26 km |
| Walnut Creek at Purcell, OK | flow 22.5 ft³/s | 33 km |
| Canadian River at Purcell, OK | flow 490.0 ft³/s | 34 km |
| Honey Creek below Turner Falls near Davis, OK | flow 26.8 ft³/s | 34 km |
| Rock Creek at Sulphur, OK | flow 6.95 ft³/s | 38 km |
| North Criner Creek near Criner, OK | flow 0.20 ft³/s | 38 km |
| Travertine Creek above U.S. 177 at Sulphur | flow 4.93 ft³/s · STALE | 39 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 #
37 wells in 3 named aquifers: Arbuckle-Simpson aquifer, Alluvial aquifers, Edwards-Trinity aquifer system
Sites found: 37, 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 |
|---|---|---|
| USGS-344704097183601 | depth 13.7 ft · 2019-06-11 | 8 km |
| Alluvial aquifers | depth 8.81 ft · 2019-06-11 | 21 km |
| USGS-345740097210801 | depth 16.0 ft · 2016-04-03 | 28 km |
| USGS-344916097360001 | depth 19.3 ft · 2019-06-11 | 29 km |
| USGS-345137097414501 | depth 13.8 ft · 2017-11-23 | 39 km |
| Arbuckle-Simpson aquifer | depth 32.0 ft · 2026-10-18 | 40 km |
| Arbuckle-Simpson aquifer | depth 52.7 ft · 2026-10-06 | 43 km |
| Arbuckle-Simpson aquifer | depth 82.7 ft · 2025-03-11 | 43 km |
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 #
low (0.19)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.3×0.09 + 0.2×0.25 / 0.85
Banks & federal dollars #
$1.1 bn in deposits at 18 offices of 11 banks (SOD June 2026); HHI 1,751, moderately concentrated. $200.6 m federal obligations in FY2026 (direct payments $178.8 m, grants $20.8 m), $21,706 per covered job
| Item | Value | Distance |
|---|---|---|
| The Pauls Valley National Bank | $287.3 m · 26.8% share · 5 offices | |
| Old Glory Bank | $268.7 m · 25.0% share · 1 office | |
| First United Bank and Trust Company | $156.1 m · 14.6% share · 3 offices | |
| Garvin, OK | $200.6 m FY2026 · $21,706/job | |
| MULTIPLE RECIPIENTS | $174.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Pauls Valley National Bank | $287,319,000 | 26.8% | 5 |
| Old Glory Bank | $268,655,000 | 25.0% | 1 |
| First United Bank and Trust Company | $156,104,000 | 14.6% | 3 |
| The State Bank of Wynnewood | $95,807,000 | 8.9% | 1 |
| American Exchange Bank, Lindsay, Oklahoma | $85,708,000 | 8.0% | 1 |
| First Bank & Trust Co. | $40,571,000 | 3.8% | 1 |
| BancFirst | $39,313,000 | 3.7% | 1 |
| International Bank of Commerce | $33,450,000 | 3.1% | 2 |
| Simmons Bank | $26,017,000 | 2.4% | 1 |
| Chickasaw Community Bank | $20,057,000 | 1.9% | 1 |
Deposit concentration is 1,751 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 26.8² + 25.0² + 14.6² + … (8 more) = 1,751
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 | $144,173,595 |
| Department of Veterans Affairs | $29,660,920 |
| Department of Transportation | $13,721,270 |
| Environmental Protection Agency | $4,000,000 |
| Department of Agriculture | $3,176,158 |
| Department of Health and Human Services | $1,926,914 |
| Department of Housing and Urban Development | $1,006,860 |
| Federal Communications Commission | $891,406 |
| Department of the Interior | $804,934 |
| Department of Education | $648,295 |
| Railroad Retirement Board | $537,947 |
| Department of Homeland Security | $17,200 |
That is $21,706 per covered job, against 9,240 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $200.6 m / 9,240 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,706
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 #
Garvin County, OK: 6 findings, 1 at a watch level and 5 noted
watchGarvin County, OK's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGarvin County, OK's covered employment was 2.6% 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
- -2.6 % = 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
noteGarvin County, OK's average weekly wage was 0.8% 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
- +0.8 % = 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
noteGarvin County, OK's typical home value fell 0.4% from $150,281 in August 2026 to $149,701 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.4% = (149701.37189522764 - 150281.33835209327) / 150281.33835209327 × 100
- 149701.37189522764 = Zillow ZHVI, 2026-09
- 150281.33835209327 = Zillow ZHVI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Garvin County, OK is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.