Muskogee County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.62, -95.38.
Assembled 2026-10-19. Read the brief.
- 17th pct · 2,514th of 3,063 US counties · median $230,451
- 43rd pct · 44th of 77 Oklahoma counties · median $164,118
- 57th pct · 1,297th of 3,062 US counties · median +2.9%
- 50th pct · 39th of 77 Oklahoma counties · median +3.5%
- 10th pct · 1,221st of 1,358 US counties · median $1,506
- 25th pct · 21st of 28 Oklahoma counties · median $1,258
- 75th pct · 780th of 3,221 US counties · median 8,232
- 90th pct · 8th of 77 Oklahoma counties · median 7,282
- 59th pct · 1,290th of 3,221 US counties · median $1,039
- 82nd pct · 14th of 77 Oklahoma counties · median $968
- 15th pct · 2,601st of 3,063 US counties · median 4.2
- 36th pct · 49th 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 $153,077 (Sep 2026), +3.5% over one year, +26.7% over five
- 17th pct · 2,514th of 3,063 US counties · median $230,451
- 43rd pct · 44th of 77 Oklahoma counties · median $164,118
| Item | Value | Distance |
|---|---|---|
| Muskogee County, OK | $153,077 · +3.5% 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 $1,048/mo (Sep 2026), +8.9% over one year; price-to-rent 12.2
- 10th pct · 1,221st of 1,358 US counties · median $1,506
- 25th pct · 21st of 28 Oklahoma counties · median $1,258
| Item | Value | Distance |
|---|---|---|
| Muskogee County, OK | $1,048/mo · +8.9% 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 $848 a month on $153,077 at 7.40%, against an average weekly wage worth $4,710 a month: 18.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $153,077 × 80% = $122,462, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $848/mo principal and interest
- wage share = payment / (avg weekly wage $1,087 × 52 / 12 = $4,710) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $153,077 / ($1,087 × 52) = 2.7
- price-to-rent = $153,077 / ($1,048 × 12) = 12.2
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 #
26,204 jobs at 1,594 employers (2026 Q1); -1.1% jobs and +3.1% average weekly wage over the year
- 75th pct · 780th of 3,221 US counties · median 8,232
- 90th pct · 8th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Muskogee County, OK | 26,204 jobs · $1,087/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,320 | $640 | 1.30 | +2.2% |
| Manufacturing | 3,160 | $1,393 | 1.50 | +0.0% |
| Accommodation and food services | 2,420 | $373 | 1.03 | +4.2% |
| Construction | 1,106 | $1,172 | 0.81 | +1.3% |
| Administrative and waste services | 1,044 | $677 | 0.70 | -4.2% |
| Wholesale trade | 986 | $1,237 | 0.98 | +12.8% |
| Transportation and warehousing | 762 | $1,130 | 0.69 | -4.3% |
| Finance and insurance | 557 | $1,591 | 0.52 | -1.1% |
| Professional and technical services | 499 | $1,146 | 0.28 | +0.4% |
| Other services | 412 | $741 | 0.53 | +5.9% |
| Utilities | 222 | $2,626 | 2.15 | +0.0% |
| Information | 158 | $1,293 | 0.33 | -16.8% |
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 #
D2 severe 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 (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$1.6 bn in deposits at 17 offices of 8 banks (SOD June 2026); HHI 2,094, highly concentrated. $601.2 m federal obligations in FY2026 (direct payments $472.3 m, grants $81.5 m), $22,945 per covered job
| Item | Value | Distance |
|---|---|---|
| Armstrong Bank | $438.1 m · 28.0% share · 4 offices | |
| Firstar Bank | $416.1 m · 26.6% share · 3 offices | |
| BOKF, National Association | $265.4 m · 17.0% share · 2 offices | |
| Muskogee, OK | $601.2 m FY2026 · $22,945/job | |
| MULTIPLE RECIPIENTS | $459.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Armstrong Bank | $438,144,000 | 28.0% | 4 |
| Firstar Bank | $416,065,000 | 26.6% | 3 |
| BOKF, National Association | $265,429,000 | 17.0% | 2 |
| BancFirst | $236,375,000 | 15.1% | 2 |
| Arvest Bank | $111,532,000 | 7.1% | 2 |
| Mabrey Bank | $95,498,000 | 6.1% | 2 |
| The City National Bank and Trust Company of Lawton, Oklahoma | $1,955,000 | 0.1% | 1 |
| Local Bank | $0 | 0.0% | 1 |
Deposit concentration is 2,094 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 28.0² + 26.6² + 17.0² + … (4 more) = 2,094
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 | $357,683,750 |
| Department of Veterans Affairs | $137,034,130 |
| Department of Transportation | $71,061,852 |
| Department of Housing and Urban Development | $8,239,352 |
| Department of Education | $6,822,931 |
| Department of Health and Human Services | $6,276,803 |
| Railroad Retirement Board | $3,814,923 |
| Department of Defense | $3,195,509 |
| Federal Communications Commission | $2,482,300 |
| Environmental Protection Agency | $2,217,107 |
| Department of Agriculture | $1,563,037 |
| Department of Justice | $725,823 |
That is $22,945 per covered job, against 26,204 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $601.2 m / 26,204 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,945
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 #
Muskogee County, OK: 10 findings, 2 at a watch level and 8 noted
watchMuskogee County, OK's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMuskogee County, OK's typical asking rent is +8.9% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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: rent.yoyPct = 8.894172342780097 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
noteMuskogee County, OK's average weekly wage was 3.1% 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
- +3.1 % = 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
noteMuskogee County, OK's covered employment was 1.1% 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
- -1.1 % = 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
noteMuskogee County, OK's typical home value fell 0.3% from $153,605 in August 2026 to $153,077 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (153076.97451584728 - 153605.14669256474) / 153605.14669256474 × 100
- 153076.97451584728 = Zillow ZHVI, 2026-09
- 153605.14669256474 = Zillow ZHVI, 2026-08
Read all 10 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.