1st Advantage MortgageThe median Canadian County household earns $87,751, and 8% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Oklahoma before sharing details.
On this page
- Getting oriented in Canadian County
- Employment and commuting in Canadian County
- Income in Canadian County compared with Oklahoma
- Renting and owning in Canadian County
- Places inside Canadian County
- Canadian County next to its neighbors
- Debt-to-income at Canadian County's medians
- More Canadian County figures
- What the numbers mean for Canadian County borrowers
- Licensing and complaints for Canadian County
- Steps before you apply in Canadian County
- More guides for Canadian County
- Frequently asked questions
Getting oriented in Canadian County
With an estimated 168,985 residents (ACS 2020 to 2024), Canadian County ranks 4th of 77 in Oklahoma for population. It covers 897 square miles of land, or about 188 people per square mile. For statistical purposes it belongs to the Oklahoma City, OK metro area, as delineated by the Office of Management and Budget in July 2023. Of the 8 Census places inside Canadian County, Yukon leads by population with about 25,529; 7 of the 8 are incorporated.
Employment and commuting in Canadian County
By the Census industry count, 23% of employed Canadian County residents work in education and health care and 13% in retail trade. ACS puts five-year average unemployment at 4.5% in Canadian County. About 80% drive to work alone and 10% have trips of 45 minutes or more.
| Sector | Canadian County | Compared with Oklahoma |
|---|---|---|
| Education and health care | 22.8% | -0.5 pts |
| Retail trade | 13.0% | +1.2 pts |
| Professional and administrative services | 9.9% | +0.7 pts |
| Manufacturing | 7.9% | -1.3 pts |
| Public administration | 7.9% | +1.6 pts |
| Arts, lodging and food service | 7.1% | -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.
Income in Canadian County compared with Oklahoma
At $87,751, the typical Canadian County household income is 34% above the median U.S. county ($65,681). In the state ranking that is 1st of 77.
| Income band | Share in Canadian County | Difference from Oklahoma |
|---|---|---|
| Under $35,000 | 14.8% | -11.5 pts |
| $35,000 to $99,999 | 42.1% | -1.1 pts |
| $100,000 to $199,999 | 33.8% | +10.5 pts |
| $200,000 or more | 9.4% | +2.1 pts |
The spread is wide: 43% of Canadian County households make $100,000 or more, and 15% make less than $35,000. Census counts 8.0% of Canadian County residents in poverty, against 15.3% across Oklahoma. For a borrower in Canadian County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Renting and owning in Canadian County
A typical Canadian County rental runs $1,289 a month including utilities, which is 27% above Oklahoma. By the Census definition, 46% of Canadian County renters are cost-burdened. With a median value of $246,200, a typical Canadian County house costs 2.8 times what the median household earns in a year. The ownership rate is 75%. The median year built is 1999.
| Housing | Canadian County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,289/mo | $1,014/mo | $877/mo |
| Median home value | $246,200 | $199,800 | $185,300 |
| Owners | 75% | 66% | 75% |
| Rent-burdened renters | 46% | 46% | 45% |
| Burdened owners | 24% | 24% | n/a |
| Mobile homes | 4.6% | 8.2% | n/a |
Because most Canadian County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Places inside Canadian County
Here are the 8 most populous of the county's 8 Census places, with income and rent from the same 2020 to 2024 survey. About 46% of Canadian County residents live in one of the 8. Incomes vary by place: $105,833 at the median in Union City, $56,219 in El Reno. None of the 8 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Yukon | city | 25,529 | $75,273 | $1,274 | 12 mi |
| Mustang | city | 22,192 | $87,844 | $1,287 | 18 mi |
| El Reno | city | 18,557 | $56,219 | $968 | 1 mi |
| Piedmont | city | 8,342 | $104,441 | $1,544 | 16 mi |
| Union City | town | 1,722 | $105,833 | $1,102 | 11 mi |
| Okarche | town | 1,293 | $94,063 | $750 | 13 mi |
| Calumet | town | 493 | $80,938 | $905 | 9 mi |
| Cedar Lake | CDP | 421 | $32,917 | $788 | 14 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Canadian County next to its neighbors
Six nearby counties, 28 to 39 miles away by the straight-line distance between their centers. Logan County leads the group on income ($83,899), Caddo County trails ($55,353), and Canadian County out-earns 6 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Canadian County | - | $87,751 | $1,289/mo | 75% |
| Kingfisher County, OK | 28 mi | $71,975 | $891/mo | 75% |
| Oklahoma County, OK | 32 mi | $66,679 | $1,116/mo | 58% |
| Blaine County, OK | 34 mi | $61,642 | $852/mo | 73% |
| Caddo County, OK | 34 mi | $55,353 | $734/mo | 73% |
| Grady County, OK | 36 mi | $75,419 | $883/mo | 75% |
| Logan County, OK | 39 mi | $83,899 | $891/mo | 85% |
Debt-to-income at Canadian County's medians
Canadian County at the medians, through a lender's eyes (what DTI means):
- $87,751 a year is $7,313 of gross monthly income
- Less median rent of $1,289, which is 18% of it
- 35% debt-to-income limit: $1,270 left for all other debt payments
- $2,002: what a 45% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
More Canadian County figures
32% of Canadian County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 9.3%, against 12.9% for Oklahoma.
| Measure | Canadian County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 36.3 | 37.0 | 41.5 |
| Bachelor's or higher | 31.9% | 28.3% | 22.2% |
| No high school diploma | 7.3% | 10.6% | n/a |
| No health insurance | 9.3% | 12.9% | 7.8% |
| No vehicle | 3.3% | 5.6% | 5.4% |
| Work from home | 10.4% | 9.4% | 8.7% |
| Poverty rate | 8.0% | 15.3% | 13.2% |
| Unemployment (ACS) | 4.5% | 5.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 21.1% |
| 15 to 29 min | 41.1% |
| 30 to 44 min | 27.8% |
| 45 to 59 min | 6.0% |
| 60+ min | 4.1% |
What the numbers mean for Canadian County borrowers
The county's numbers point to a few situations that come up often for Canadian County borrowers.
- Consolidation math. With 43% at six figures, card consolidation is common; it pays only if total cost falls (guide).
- Renters under pressure. When 46% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
Licensing and complaints for Canadian County
Licensing happens at the state level, so a lender working with Canadian County borrowers answers to the Oklahoma State Banking Department. Consumer lending in Oklahoma is also overseen by the Oklahoma Department of Consumer Credit. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Oklahoma state guide for the statewide picture.
Steps before you apply in Canadian County
A short checklist for Canadian County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Prequalify with soft pulls where offered, then compare in writing.
- Check the license, then the reviews, then the offer.
- Confirm the first due date before setting up autopay.
More guides for Canadian County
The Oklahoma guide covers the whole state.
Frequently asked questions
Is Canadian County a high-income county?
Its $87,751 median ranks 1st of 77 Oklahoma counties and compares with $65,681 for the median U.S. county.
How much is rent in Canadian County?
Median gross rent, utilities included, is $1,289 a month; 46% of renters spend 30% or more of income on it.
Should Canadian County homeowners use home equity instead?
Maybe, but weigh the risk: 75% of Canadian County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
What are the biggest places in Canadian County?
By population: Yukon, Mustang, El Reno, Piedmont, Union City. The county has 8 Census places in all.
Is the fit check different in Canadian County?
No. It is identical everywhere, and it never looks at your neighborhood.