McCurtain County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.12, -94.77.
Assembled 2026-10-19. Read the brief.
- 36th pct · 1,957th of 3,063 US counties · median $230,451
- 72nd pct · 22nd of 77 Oklahoma counties · median $164,118
- 44th pct · 1,707th of 3,062 US counties · median +2.9%
- 34th pct · 51st of 77 Oklahoma counties · median +3.5%
- US counties: not published this period
- Oklahoma counties: not published this period
- 60th pct · 1,273rd of 3,221 US counties · median 8,232
- 68th pct · 25th of 77 Oklahoma counties · median 7,282
- 22nd pct · 2,507th of 3,221 US counties · median $1,039
- 31st pct · 53rd of 77 Oklahoma counties · median $968
- 47th pct · 1,609th of 3,063 US counties · median 4.2
- 75th pct · 20th 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 $194,518 (Sep 2026), +2.4% over one year, +2.5% over five
- 36th pct · 1,957th of 3,063 US counties · median $230,451
- 72nd pct · 22nd of 77 Oklahoma counties · median $164,118
| Item | Value | Distance |
|---|---|---|
| McCurtain County, OK | $194,518 · +2.4% 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 $1,077 a month on $194,518 at 7.40%, against an average weekly wage worth $3,965 a month: 27.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $194,518 × 80% = $155,615, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,077/mo principal and interest
- wage share = payment / (avg weekly wage $915 × 52 / 12 = $3,965) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $194,518 / ($915 × 52) = 4.1
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 #
12,599 jobs at 881 employers (2026 Q1); +0.5% jobs and +1.2% average weekly wage over the year
- 60th pct · 1,273rd of 3,221 US counties · median 8,232
- 68th pct · 25th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| McCurtain County, OK | 12,599 jobs · $915/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,573 | $1,289 | 2.54 | +2.7% |
| Retail trade | 1,699 | $664 | 1.38 | -14.6% |
| Accommodation and food services | 1,137 | $464 | 1.00 | +0.5% |
| Administrative and waste services | 664 | $606 | 0.93 | +4.2% |
| Construction | 655 | $1,294 | 0.99 | -12.7% |
| Finance and insurance | 280 | $950 | 0.55 | +0.0% |
| Transportation and warehousing | 218 | $933 | 0.41 | +12.4% |
| Wholesale trade | 208 | $1,228 | 0.43 | +5.6% |
| Agriculture, forestry, fishing | 196 | $975 | 2.15 | -7.1% |
| Arts, entertainment and recreation | 151 | $488 | 0.73 | +8.6% |
| Other services | 151 | $717 | 0.40 | -18.4% |
| Information | 119 | $1,317 | 0.51 | -19.0% |
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: 10, 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 | 78 km |
| Lake Crook | 83 % full · 9k ac-ft | 86 km |
| Wright Patman Lake | 100 % full · 123k ac-ft | 106 km |
| Lake Bob Sandlin | 88 % full · 192k ac-ft | 117 km |
| Cooper (Chapman) Lake | 66 % full · 259k ac-ft | 118 km |
| Monticello Reservoir | 72 % full · 35k ac-ft | 118 km |
| Bois d'Arc Lake | 88 % full · 368k ac-ft | 120 km |
| Lake Cypress Springs | 89 % full · 67k ac-ft | 122 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 (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.3×0.16 / 0.65
Banks & federal dollars #
$878.9 m in deposits at 14 offices of 5 banks (SOD June 2026); HHI 2,558, highly concentrated. $247.4 m federal obligations in FY2026 (direct payments $187.2 m, grants $43.4 m), $19,639 per covered job
| Item | Value | Distance |
|---|---|---|
| McCurtain County National Bank | $311.2 m · 35.4% share · 4 offices | |
| FirstBank | $221.6 m · 25.2% share · 4 offices | |
| The Idabel National Bank | $201.7 m · 22.9% share · 1 office | |
| McCurtain, OK | $247.4 m FY2026 · $19,639/job | |
| MULTIPLE RECIPIENTS | $181.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| McCurtain County National Bank | $311,164,000 | 35.4% | 4 |
| FirstBank | $221,587,000 | 25.2% | 4 |
| The Idabel National Bank | $201,672,000 | 22.9% | 1 |
| First State Bank | $88,858,000 | 10.1% | 3 |
| Farmers Bank & Trust Company | $55,627,000 | 6.3% | 2 |
Deposit concentration is 2,558 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 35.4² + 25.2² + 22.9² + … (2 more) = 2,558
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 | $156,594,039 |
| Department of Agriculture | $50,481,563 |
| Department of Veterans Affairs | $24,407,624 |
| Environmental Protection Agency | $4,000,000 |
| Department of Housing and Urban Development | $3,141,560 |
| Department of Transportation | $2,944,930 |
| Department of Health and Human Services | $2,502,226 |
| Railroad Retirement Board | $1,350,300 |
| Department of Education | $941,037 |
| Federal Communications Commission | $604,976 |
| Department of Defense | $460,695 |
That is $19,639 per covered job, against 12,599 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $247.4 m / 12,599 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,639
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 #
McCurtain County, OK: 7 findings, 2 at a watch level and 5 noted
watchMcCurtain County, OK's typical home value is -1.2% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, 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.momPct = -1.1958875203972292 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchMcCurtain County, OK's typical home value of $194,518 scores 36 on the 0-to-100 scale across US counties but 72 across Oklahoma counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |36 across US counties - 72 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
noteMcCurtain County, OK's average weekly wage was 1.2% 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
- +1.2 % = 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
noteMcCurtain County, OK's typical home value fell 1.2% from $196,873 in August 2026 to $194,518 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -1.2% = (194518.23796539672 - 196872.61297504522) / 196872.61297504522 × 100
- 194518.23796539672 = Zillow ZHVI, 2026-09
- 196872.61297504522 = Zillow ZHVI, 2026-08
noteMcCurtain County, OK's covered employment was 0.5% 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
- +0.5 % = 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
Read all 7 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.