Pottawatomie County, OK
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.21, -96.96.
Assembled 2026-10-19. Read the brief.
- 35th pct · 1,978th of 3,063 US counties · median $230,451
- 71st pct · 23rd of 77 Oklahoma counties · median $164,118
- 58th pct · 1,257th of 3,062 US counties · median +2.9%
- 51st pct · 38th of 77 Oklahoma counties · median +3.5%
- 12th pct · 1,187th of 1,358 US counties · median $1,506
- 29th pct · 20th of 28 Oklahoma counties · median $1,258
- 73rd pct · 840th of 3,221 US counties · median 8,232
- 89th pct · 9th of 77 Oklahoma counties · median 7,282
- 27th pct · 2,341st of 3,221 US counties · median $1,039
- 37th pct · 48th of 77 Oklahoma counties · median $968
- 44th pct · 1,712th of 3,063 US counties · median 4.2
- 69th pct · 24th 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 $192,696 (Sep 2026), +3.6% over one year, +31.4% over five
- 35th pct · 1,978th of 3,063 US counties · median $230,451
- 71st pct · 23rd of 77 Oklahoma counties · median $164,118
| Item | Value | Distance |
|---|---|---|
| Pottawatomie County, OK | $192,696 · +3.6% 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 $1,080/mo (Sep 2026), +2.5% over one year; price-to-rent 14.9
- 12th pct · 1,187th of 1,358 US counties · median $1,506
- 29th pct · 20th of 28 Oklahoma counties · median $1,258
| Item | Value | Distance |
|---|---|---|
| Pottawatomie County, OK | $1,080/mo · +2.5% 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 $1,067 a month on $192,696 at 7.40%, against an average weekly wage worth $4,073 a month: 26.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $192,696 × 80% = $154,157, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,067/mo principal and interest
- wage share = payment / (avg weekly wage $940 × 52 / 12 = $4,073) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $192,696 / ($940 × 52) = 3.9
- price-to-rent = $192,696 / ($1,080 × 12) = 14.9
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 #
23,164 jobs at 1,486 employers (2026 Q1); +1.6% jobs and +4.3% average weekly wage over the year
- 73rd pct · 840th of 3,221 US counties · median 8,232
- 89th pct · 9th of 77 Oklahoma counties · median 7,282
| Item | Value | Distance |
|---|---|---|
| Pottawatomie County, OK | 23,164 jobs · $940/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 3,103 | $401 | 1.49 | +7.3% |
| Health care and social assistance | 2,974 | $1,110 | 0.85 | -3.8% |
| Retail trade | 2,611 | $684 | 1.16 | +1.6% |
| Manufacturing | 2,172 | $1,368 | 1.17 | +6.1% |
| Administrative and waste services | 1,096 | $1,050 | 0.83 | +0.0% |
| Finance and insurance | 628 | $1,342 | 0.67 | -3.7% |
| Wholesale trade | 542 | $1,483 | 0.61 | -8.0% |
| Other services | 479 | $810 | 0.69 | +0.4% |
| Educational services | 470 | $940 | 0.94 | +5.9% |
| Arts, entertainment and recreation | 185 | $282 | 0.49 | +10.1% |
| Utilities | 174 | $2,516 | 1.90 | +3.0% |
| Transportation and warehousing | 169 | $1,225 | 0.17 | -16.3% |
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 #
$1.9 bn in deposits at 17 offices of 10 banks (SOD June 2026); HHI 2,283, highly concentrated. $588.0 m federal obligations in FY2026 (direct payments $506.6 m, grants $75.2 m), $25,383 per covered job
| Item | Value | Distance |
|---|---|---|
| Sovereign Bank | $608.9 m · 32.7% share · 1 office | |
| BancFirst | $496.3 m · 26.6% share · 5 offices | |
| First United Bank and Trust Company | $289.5 m · 15.5% share · 3 offices | |
| Pottawatomie, OK | $588.0 m FY2026 · $25,383/job | |
| MULTIPLE RECIPIENTS | $476.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Sovereign Bank | $608,880,000 | 32.7% | 1 |
| BancFirst | $496,296,000 | 26.6% | 5 |
| First United Bank and Trust Company | $289,512,000 | 15.5% | 3 |
| Arvest Bank | $281,118,000 | 15.1% | 2 |
| MidFirst Bank | $99,136,000 | 5.3% | 1 |
| Vision Bank | $49,658,000 | 2.7% | 1 |
| Security State Bank of Oklahoma | $22,329,000 | 1.2% | 1 |
| International Bank of Commerce | $8,617,000 | 0.5% | 1 |
| AllNations Bank | $4,738,000 | 0.3% | 1 |
| The City National Bank and Trust Company of Lawton, Oklahoma | $3,243,000 | 0.2% | 1 |
Deposit concentration is 2,283 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 32.7² + 26.6² + 15.5² + … (7 more) = 2,283
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 | $365,651,088 |
| Department of Veterans Affairs | $97,773,161 |
| Department of Transportation | $36,071,085 |
| Department of Health and Human Services | $28,260,976 |
| Department of Housing and Urban Development | $23,835,973 |
| Department of the Interior | $17,073,349 |
| Department of Education | $8,313,837 |
| Department of Defense | $4,294,356 |
| Department of Agriculture | $4,001,102 |
| Federal Communications Commission | $1,306,535 |
| Railroad Retirement Board | $1,238,060 |
| Department of Justice | $671,231 |
That is $25,383 per covered job, against 23,164 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $588.0 m / 23,164 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,383
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 #
Pottawatomie County, OK: 7 findings, 2 at a watch level and 5 noted
watchPottawatomie County, OK's typical home value of $192,696 scores 35 on the 0-to-100 scale across US counties but 71 across Oklahoma counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |35 across US counties - 71 across Oklahoma counties|
position among the entities that published this metric this period; not an official level
watchPottawatomie County, OK's price-to-rent ratio of 14.9 scores 27 on the 0-to-100 scale across US counties but 59 across Oklahoma counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |27 across US counties - 59 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
notePottawatomie County, OK's average weekly wage was 4.3% 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
- +4.3 % = 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
notePottawatomie County, OK's covered employment was 1.6% 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
- +1.6 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Pottawatomie 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 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.