1st Advantage MortgageThe median Caddo County household earns $55,353, and 18% of residents live below the poverty line. 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
- Caddo County by the numbers
- Jobs and commutes in Caddo County
- Paychecks and income spread in Caddo County
- Caddo County housing compared with Oklahoma
- The communities that make up Caddo County
- Caddo County and the counties next door
- What a median Caddo County budget can carry
- Local borrowing considerations for Caddo County
- More Caddo County figures
- Steps before you apply in Caddo County
- Checking a lender's license in Oklahoma
- Related local guides
- Frequently asked questions
Caddo County by the numbers
The latest five-year Census estimate puts Caddo County's population at 26,447; only 33 of Oklahoma's 77 county-level areas are larger. Spread over 1,278 square miles, that works out to roughly 20.7 residents per square mile. No metropolitan area includes Caddo County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Anadarko is the biggest of its 13 Census places, at roughly 5,572 people (21% of the county total).
Jobs and commutes in Caddo County
Education and health care employs 19% of working residents, the largest share; agriculture, forestry and mining is next with 12%. Agriculture, forestry and mining stands out: 12% of workers here, versus 4% statewide. Averaged over the five survey years, 5.8% of the labor force was out of work and looking. 17% of commuters travel 45 minutes or more each way, and 5% work from home. 6.9% of households have no vehicle.
| Sector | Caddo County | Compared with Oklahoma |
|---|---|---|
| Education and health care | 19.0% | -4.3 pts |
| Agriculture, forestry and mining | 11.9% | +8.3 pts |
| Retail trade | 10.7% | -1.1 pts |
| Arts, lodging and food service | 10.5% | +1.5 pts |
| Public administration | 8.4% | +2.2 pts |
| Transportation, warehousing and utilities | 8.0% | +1.9 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Paychecks and income spread in Caddo County
The median household income in Caddo County is $55,353; statewide it is $65,039, so Caddo County runs 15% below Oklahoma as a whole.
| Household income | Caddo County | vs Oklahoma |
|---|---|---|
| Under $35,000 | 32.7% | +6.4 pts |
| $35,000 to $99,999 | 44.5% | +1.3 pts |
| $100,000 to $199,999 | 19.9% | -3.4 pts |
| $200,000 or more | 2.9% | -4.4 pts |
The spread is wide: 23% of Caddo County households make $100,000 or more, and 33% make less than $35,000. Census counts 18.3% of Caddo County residents in poverty, against 15.3% across Oklahoma. The Gini index of income inequality is 0.419 (0 is perfect equality). A household earning below the $55,353 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Caddo County housing compared with Oklahoma
A typical Caddo County rental runs $734 a month including utilities, which is 28% below Oklahoma. 37% of renting households spend 30% or more of income on rent, and 16% spend half or more. Home values center on $115,700, or 2.1 years of median income. The ownership rate is 73%. Half the housing stock was built before 1972.
| Measure | Caddo County | Oklahoma | Median U.S. county |
|---|---|---|---|
| Median gross rent | $734/mo | $1,014/mo | $877/mo |
| Median home value | $115,700 | $199,800 | $185,300 |
| Owners | 73% | 66% | 75% |
| Rent-burdened renters | 37% | 46% | 45% |
| Burdened owners | 19% | 24% | n/a |
| Mobile homes | 12.3% | 8.2% | n/a |
| Vacant units | 22% | 12% | n/a |
In an owner-heavy county like Caddo 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.
The communities that make up Caddo County
The table lists the 13 largest of 13 Census places in Caddo County, by population. Together all 13 hold about 16,321 people, so roughly 38% of residents live outside any named place. Incomes vary by place: $65,278 at the median in Hinton, $43,105 in Anadarko. Median rent ranges from $588 in Carnegie to $898 in Hinton. None of the 13 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Anadarko | city | 5,572 | $43,105 | $775 | 10 mi |
| Hinton | town | 4,909 | $65,278 | $898 | 23 mi |
| Carnegie | town | 1,521 | $43,839 | $588 | 13 mi |
| Apache | town | 1,034 | $59,375 | $702 | 19 mi |
| Cyril | town | 841 | $55,000 | $633 | 21 mi |
| Binger | town | 496 | $44,432 | $740 | 10 mi |
| Eakly | town | 476 | $45,625 | $728 | 14 mi |
| Fort Cobb | town | 469 | $48,000 | $575 | 5 mi |
| Cement | town | 407 | $36,429 | $674 | 21 mi |
| Gracemont | town | 321 | $60,000 | $671 | 7 mi |
| Lookeba | town | 111 | $52,500 | n/a | 14 mi |
| Bridgeport | city | 105 | $53,472 | n/a | 26 mi |
| Washita | CDP | 59 | $58,194 | n/a | 5 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Caddo County and the counties next door
Six nearby counties, 30 to 48 miles away by the straight-line distance between their centers. 5 of the six report a higher median household income than Caddo County; Canadian County is highest at $87,751 and Kiowa County lowest at $44,962.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Caddo County | - | $55,353 | $734/mo | 73% |
| Grady County, OK | 30 mi | $75,419 | $883/mo | 75% |
| Canadian County, OK | 34 mi | $87,751 | $1,289/mo | 75% |
| Comanche County, OK | 35 mi | $60,761 | $970/mo | 56% |
| Washita County, OK | 36 mi | $63,501 | $815/mo | 76% |
| Kiowa County, OK | 38 mi | $44,962 | $780/mo | 70% |
| Custer County, OK | 48 mi | $59,738 | $824/mo | 60% |
What a median Caddo County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Caddo County's medians:
- $4,613 a month: gross income for a household at the Caddo County median
- 16% goes to median rent ($734)
- 36% debt-to-income limit: $927 left for all other debt payments
- 43% debt-to-income limit: $1,249 left for all other debt payments
Two-income households and single earners in Caddo County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Caddo County
What the Caddo County figures suggest, and what to check first:
- Uninsured care. 17% 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.
- Lower-cost alternatives. In a county with 18% in poverty, nonprofit credit counseling may beat a loan (options).
More Caddo County figures
16% of Caddo County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 16.8%, against 12.9% for Oklahoma.
| People and households | Caddo County | Oklahoma | Median county |
|---|---|---|---|
| Median age | 37.8 | 37.0 | 41.5 |
| Bachelor's or higher | 15.8% | 28.3% | 22.2% |
| No high school diploma | 12.5% | 10.6% | n/a |
| No health insurance | 16.8% | 12.9% | 7.8% |
| No vehicle | 6.9% | 5.6% | 5.4% |
| Work from home | 5.3% | 9.4% | 8.7% |
| Poverty rate | 18.3% | 15.3% | 13.2% |
| Unemployment (ACS) | 5.8% | 5.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 45.0% |
| 15 to 29 min | 20.7% |
| 30 to 44 min | 17.1% |
| 45 to 59 min | 7.5% |
| 60+ min | 9.7% |
Steps before you apply in Caddo County
Quick steps for Caddo County:
- Get a written quote for whatever you are paying for in Caddo County.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Pick the shortest term whose payment still fits.
Checking a lender's license in Oklahoma
Consumer lenders serving Caddo County are licensed by the state, not the county; in Oklahoma that is the Oklahoma State Banking Department. Oklahoma also has the Oklahoma Department of Consumer Credit for consumer credit. Federal complaints: consumerfinance.gov. Statewide data and rules: Oklahoma guide.
Related local guides
The Oklahoma guide covers the whole state.
Frequently asked questions
What is the median household income in Caddo County?
$55,353 a year in the 2020 to 2024 Census survey, versus $65,039 for Oklahoma. It ranks 48th of 77 in the state.
How much is rent in Caddo County?
Median gross rent, utilities included, is $734 a month; 37% of renters spend 30% or more of income on it.
I own my home in Caddo County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 73% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Caddo County guide cover?
Every community in the county, unincorporated areas included. The largest of its 13 Census places: Anadarko, Hinton, Carnegie, Apache, Cyril.
Is the fit check different in Caddo County?
No. It is identical everywhere, and it never looks at your neighborhood.