1st Advantage MortgageAdair County (19,575 residents) has a $48,041 median household income and $667 median rent, by the latest Census five-year survey. For a Adair County borrower, the useful steps are the same anywhere: price the need, gather three written offers, and check the Oklahoma license.
On this page
- Adair County by the numbers
- Renting and owning in Adair County
- Where Adair County works
- Adair County at the extremes
- Income in Adair County compared with Oklahoma
- Adair County towns compared
- Neighboring counties at a glance
- Debt-to-income at Adair County's medians
- Borrowing situations common in Adair County
- More Adair County figures
- Before you sign
- Lender oversight for Adair County
- Beyond Adair County
- Frequently asked questions
Adair County by the numbers
The latest five-year Census estimate puts Adair County's population at 19,575; only 40 of Oklahoma's 77 county-level areas are larger. Density: about 34.1 residents per square mile across 574 square miles of land. Under the July 2023 OMB definitions, Adair County is not part of any metropolitan area. Stilwell (3,755 people) heads the county's list of 28 Census places, 3 incorporated and 25 census-designated.
Renting and owning in Adair County
$667 a month is the median gross rent in Adair County, 34% below the state. Rent takes 30% or more of income for 39% of renter households here. Median value $117,800; median income $48,041; ratio 2.5. Homeowners 69%, renters 31%. Half the housing stock was built before 1982.
| Home costs | Adair County | Oklahoma | Compared with Oklahoma |
|---|---|---|---|
| Median gross rent | $667/mo | $1,014/mo | 34% lower |
| Median home value | $117,800 | $199,800 | 41% lower |
| Owners | 69% | 66% | +2.7 pts |
| Rent-burdened renters | 39% | 46% | -7.2 pts |
| Burdened owners | 31% | 24% | +6.4 pts |
| Mobile homes | 19.5% | 8.2% | +11.2 pts |
Where Adair County works
Education and health care employs 27% of working residents, the largest share; manufacturing is next with 14%. Relative to Oklahoma (9%), manufacturing is 5 points bigger in Adair County (14%). Unemployment in Adair County, ACS five-year: 6.9%; Oklahoma: 5.0%. 38% of Adair County workers get to work in under 15 minutes, while 19% need 45 or more.
| Top industries | Adair County share | +/- vs Oklahoma |
|---|---|---|
| Education and health care | 26.6% | +3.3 pts |
| Manufacturing | 13.7% | +4.5 pts |
| Retail trade | 10.1% | -1.7 pts |
| Public administration | 8.6% | +2.4 pts |
| Arts, lodging and food service | 7.6% | -1.4 pts |
| Construction | 7.1% | -0.3 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Adair County at the extremes
- Adair County ranks 2nd lowest of 77 Oklahoma counties for the share of adults with a bachelor's degree: 12%, against 28% statewide. Lenders weigh income and credit, not schooling.
- Few Oklahoma counties match Adair County on households without a vehicle: 9.0% here, 5.6% for the state, ranking 4th highest of 77. Car-free households may need loans less for repairs but more for moves.
- Adair County ranks 4th lowest of 77 Oklahoma counties for the share of households earning $100,000 or more: 17%, against 31% statewide. Few six-figure households means smaller loans are the norm.
Income in Adair County compared with Oklahoma
Adair County households have a median income of $48,041 (ACS 2020 to 2024), which ranks 71st of 77 in Oklahoma.
| Household income | Adair County | vs Oklahoma |
|---|---|---|
| Under $35,000 | 39.1% | +12.8 pts |
| $35,000 to $99,999 | 43.5% | +0.3 pts |
| $100,000 to $199,999 | 14.9% | -8.4 pts |
| $200,000 or more | 2.5% | -4.7 pts |
39% under $35,000 and 17% at $100,000 or more: that is the Adair County income split. Poverty rate, Adair County: 21.5%; Oklahoma: 15.3%. Adair County scores 0.460 on the Gini index, where higher means more unequal incomes. None of these numbers decides a Adair County application. Lenders weigh your own documented income against your own debts.
Adair County towns compared
Here are the 14 most populous of the county's 28 Census places, with income and rent from the same 2020 to 2024 survey. About 63% of Adair County residents live in one of the 28. Fairfield has the highest median household income on the list ($87,625) and Stilwell the lowest ($37,292), counting places with at least 500 residents. Rent is cheapest in Fairfield ($494) and steepest in Lyons Switch ($1,021). Live in one of these Adair County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Stilwell | city | 3,755 | $37,292 | $632 | 6 mi |
| Westville | town | 1,743 | $39,400 | $582 | 8 mi |
| Fairfield | CDP | 690 | $87,625 | $494 | 5 mi |
| Chewey | CDP | 642 | $83,313 | n/a | 15 mi |
| Cherry Tree | CDP | 585 | $63,000 | $700 | 10 mi |
| Lyons Switch | CDP | 569 | $70,417 | $1,021 | 8 mi |
| Rocky Mountain | CDP | 532 | $52,500 | $675 | 10 mi |
| Titanic | CDP | 419 | $67,500 | $431 | 5 mi |
| Baron | CDP | 413 | $90,583 | n/a | 4 mi |
| Bell | CDP | 384 | $63,688 | n/a | 13 mi |
| Peavine | CDP | 316 | $45,694 | n/a | 2 mi |
| Chance | CDP | 315 | n/a | n/a | 12 mi |
| Wauhillau | CDP | 309 | $29,760 | n/a | 7 mi |
| Old Green | CDP | 301 | n/a | n/a | 6 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Neighboring counties at a glance
Cherokee County is closest, 19 miles from center to center; the sixth, Benton County, is 38 miles off. Adair County's $48,041 median trails 6 of the six and beats 0; the range runs $51,093 (Sequoyah County) to $93,506 (Benton County). The list crosses into Arkansas, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Adair County | - | $48,041 | $667/mo | 69% |
| Cherokee County, OK | 19 mi | $53,218 | $831/mo | 66% |
| Washington County, AR | 25 mi | $70,639 | $1,071/mo | 56% |
| Sequoyah County, OK | 28 mi | $51,093 | $811/mo | 71% |
| Crawford County, AR | 32 mi | $64,132 | $851/mo | 75% |
| Delaware County, OK | 35 mi | $56,676 | $913/mo | 77% |
| Benton County, AR | 38 mi | $93,506 | $1,277/mo | 67% |
Debt-to-income at Adair County's medians
Adair County at the medians, through a lender's eyes (what DTI means):
- $4,003 a month: gross income for a household at the Adair County median
- Rent at the median, $667, takes 17% of that
- Under a 36% cap, $1,441 total minus rent leaves $774
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Borrowing situations common in Adair County
- Care without coverage. About 3,627 Adair County residents lack insurance; check charity care before a loan (how).
- Commuter costs. 19% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured housing (19%). Adair County owners should get two written repair quotes before borrowing.
- Help that costs nothing. About 4,212 Adair County residents live in poverty; see free options before a loan.
More Adair County figures
College graduates make up 12% of the adult population. The uninsured rate is 18.5%, against 12.9% for Oklahoma.
| Indicator | Adair County | +/- Oklahoma | +/- U.S. county |
|---|---|---|---|
| Bachelor's or higher | 12.3% | -16.0 pts | -9.8 pts |
| Poverty rate | 21.5% | +6.2 pts | +8.3 pts |
| Work from home | 3.3% | -6.1 pts | -5.4 pts |
| No health insurance | 18.5% | +5.7 pts | +10.7 pts |
| No high school diploma | 15.8% | +5.2 pts | n/a |
| No vehicle | 9.0% | +3.4 pts | +3.5 pts |
| Unemployment (ACS) | 6.9% | +1.9 pts | +2.4 pts |
| Median age | 37.9 | +0.9 yrs | -3.6 yrs |
| Trip time | Share |
|---|---|
| Under 15 min | 37.8% |
| 15 to 29 min | 26.6% |
| 30 to 44 min | 16.9% |
| 45 to 59 min | 9.8% |
| 60+ min | 9.0% |
Before you sign
Before you apply, wherever you live in Adair County:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Oklahoma.
- Lock paid-off cards after consolidating so balances stay at zero.
Lender oversight for Adair County
The Oklahoma State Banking Department is the place to verify any lender's Oklahoma license. Consumer lending in Oklahoma is also overseen by the Oklahoma Department of Consumer Credit. Problems with a lender can also go to the CFPB.
Beyond Adair County
No city in Adair County has its own guide yet; the state page is next up.
Frequently asked questions
How much do households in Adair County earn?
The median is $48,041; 17% earn $100,000 or more and 39% under $35,000. A lender uses your own documented income, not this figure.
How does Adair County rent compare with Oklahoma?
$667 locally versus $1,014 for the state, 34% below.
Which towns does the Adair County guide cover?
Every community in the county, unincorporated areas included. The largest of its 28 Census places: Stilwell, Westville, Fairfield, Chewey, Cherry Tree.
Does living in Adair County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Adair County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Adair County residents?
The Oklahoma State Banking Department licenses consumer lenders in Oklahoma; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.