1st Advantage MortgageAbout 81% of Beaver County homes are owner-occupied, and the median household income is $64,276. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- A quick profile of Beaver County
- Renting and owning in Beaver County
- Income in Beaver County compared with Oklahoma
- Employment and commuting in Beaver County
- The counties around Beaver County
- Towns and communities in Beaver County
- A Beaver County household budget, worked through
- More Beaver County figures
- Reading the Beaver County data as a borrower
- Licensing and complaints for Beaver County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Beaver County
Roughly 5,028 residents live in Beaver County, Oklahoma, 70th by population among the state's 77 counties and county equivalents. Spread over 1,815 square miles, that works out to roughly 2.8 residents per square mile. Under the July 2023 OMB definitions, Beaver County is not part of any metropolitan area. The Census Bureau counts 6 places in the county (4 incorporated, 2 census-designated); the largest is Beaver, with about 1,586 residents, or 32% of the county. With so few households sampled, Beaver County estimates can move a lot between releases.
Renting and owning in Beaver County
A typical Beaver County rental runs $790 a month including utilities, which is 22% below Oklahoma. 36% of renting households spend 30% or more of income on rent, and 9% spend half or more. With a median value of $130,100, a typical Beaver County house costs 2.0 times what the median household earns in a year. The ownership rate is 81%.
| Cost | Beaver County | Oklahoma figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $790/mo | $1,014/mo | $877/mo |
| Median home value | $130,100 | $199,800 | $185,300 |
| Owners | 81% | 66% | 75% |
| Rent-burdened renters | 36% | 46% | 45% |
| Burdened owners | 20% | 24% | n/a |
In an owner-heavy county like Beaver County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Income in Beaver County compared with Oklahoma
The median household income in Beaver County is $64,276, close to the statewide $65,039. Only 17 Oklahoma counties post a higher median.
| Income band | Share in Beaver County | Difference from Oklahoma |
|---|---|---|
| Under $35,000 | 26.6% | +0.3 pts |
| $35,000 to $99,999 | 44.7% | +1.4 pts |
| $100,000 to $199,999 | 24.0% | +0.7 pts |
| $200,000 or more | 4.8% | -2.4 pts |
About 27% of households earn under $35,000, while 29% clear $100,000. The poverty rate is 13.3%, 2 points lower than the state's 15.3%. Income inequality, measured by the Gini index, comes to 0.440 here. None of these numbers decides a Beaver County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Beaver County
By the Census industry count, 22% of employed Beaver County residents work in education and health care and 20% in agriculture, forestry and mining. Agriculture, forestry and mining stands out: 20% of workers here, versus 4% statewide. The survey's unemployment rate for Beaver County averages 2.6% over 2020 to 2024 (state: 5.0%). 10% of commuters travel 45 minutes or more each way, and 7% work from home. Only 1.3% of homes here go without a vehicle.
| Industry (employed residents 16+) | Beaver County | Gap to Oklahoma |
|---|---|---|
| Education and health care | 21.5% | -1.8 pts |
| Agriculture, forestry and mining | 20.1% | +16.4 pts |
| Retail trade | 9.0% | -2.8 pts |
| Construction | 8.6% | +1.2 pts |
| Arts, lodging and food service | 7.8% | -1.2 pts |
| Manufacturing | 6.5% | -2.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
The counties around Beaver County
Nearest neighbors first, measured between county centers (34 to 50 miles). Lipscomb County leads the group on income ($72,560), Clark County trails ($63,043), and Beaver County out-earns 3 of the six. The list crosses into Kansas, Texas, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Beaver County | - | $64,276 | $790/mo | 81% |
| Lipscomb County, TX | 34 mi | $72,560 | $876/mo | 82% |
| Meade County, KS | 35 mi | $71,852 | $790/mo | 74% |
| Seward County, KS | 36 mi | $63,827 | $905/mo | 62% |
| Ochiltree County, TX | 37 mi | $70,183 | $891/mo | 73% |
| Harper County, OK | 46 mi | $64,053 | $828/mo | 84% |
| Clark County, KS | 50 mi | $63,043 | $789/mo | 74% |
Towns and communities in Beaver County
Here are the 6 most populous of the county's 6 Census places, with income and rent from the same 2020 to 2024 survey. About 56% of Beaver County residents live in one of the 6. None of the 6 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Beaver | town | 1,586 | $56,078 | $749 | 5 mi |
| Turpin | CDP | 441 | $25,938 | $885 | 24 mi |
| Little Ponderosa | CDP | 374 | $72,625 | n/a | 26 mi |
| Forgan | town | 359 | $70,114 | $564 | 11 mi |
| Gate | town | 63 | $73,500 | n/a | 25 mi |
| Knowles | town | 4 | n/a | n/a | 18 mi |
A Beaver County household budget, worked through
Here is the Beaver County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Beaver County: $5,356
- Median rent: $790, or 15 cents of every gross dollar
- At 43%, room after rent is $1,513 a month
Two-income households and single earners in Beaver County land in very different places on this math, so run it for your own budget.
More Beaver County figures
Degree holders: 22% of adults over 25. The uninsured rate is 11.6%, against 12.9% for Oklahoma.
| Beaver County | Oklahoma | U.S. county median | |
|---|---|---|---|
| Median age | 40.8 | 37.0 | 41.5 |
| Bachelor's or higher | 22.0% | 28.3% | 22.2% |
| No high school diploma | 14.6% | 10.6% | n/a |
| No health insurance | 11.6% | 12.9% | 7.8% |
| No vehicle | 1.3% | 5.6% | 5.4% |
| Work from home | 6.9% | 9.4% | 8.7% |
| Poverty rate | 13.3% | 15.3% | 13.2% |
| Unemployment (ACS) | 2.6% | 5.0% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 50.6% |
| 15 to 29 min | 29.6% |
| 30 to 44 min | 9.7% |
| 45 to 59 min | 6.3% |
| 60+ min | 3.8% |
Reading the Beaver County data as a borrower
A few patterns in the Beaver County data, and the practical point behind each:
- Uninsured care. 12% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- 12% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Consolidating cards in Beaver County. Compare the total repaid, not the monthly figure (how).
Licensing and complaints for Beaver County
Consumer lenders serving Beaver County are licensed by the state, not the county; in Oklahoma that is the Oklahoma State Banking Department. The Oklahoma Department of Consumer Credit handles consumer-credit questions as well. A CFPB complaint gets forwarded to the company for a response. See the Oklahoma state guide for the statewide picture.
Before you sign
Steps that save money for Beaver County residents:
- Price the Beaver County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- A Oklahoma license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
Nearby and statewide guides
The Oklahoma guide covers the whole state.
Frequently asked questions
How much do households in Beaver County earn?
The median is $64,276; 29% earn $100,000 or more and 27% under $35,000. A lender uses your own documented income, not this figure.
Is Beaver County expensive for renters?
Median rent is $790 against $1,014 statewide, and 36% of renter households are cost-burdened.
Should Beaver County homeowners use home equity instead?
Maybe, but weigh the risk: 81% of Beaver County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Beaver County guide cover?
Every community in the county, unincorporated areas included. The largest of its 6 Census places: Beaver, Turpin, Little Ponderosa, Forgan, Gate.
Can Beaver County residents use the questionnaire?
Yes. It asks the same questions in every Oklahoma county, lists every requirement up front and does not affect your credit score.