1st Advantage MortgageCimarron County households have a median income of $62,188 and median rent of $718 a month (ACS 2020 to 2024). 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 Cimarron County
- How Cimarron County residents earn a living
- Household income in Cimarron County
- Renting and owning in Cimarron County
- How Cimarron County compares with nearby counties
- Places inside Cimarron County
- A Cimarron County household budget, worked through
- Reading the Cimarron County data as a borrower
- Cimarron County households compared
- Four steps for Cimarron County borrowers
- Licensing and complaints for Cimarron County
- Related local guides
- Frequently asked questions
Getting oriented in Cimarron County
With an estimated 2,218 residents (ACS 2020 to 2024), Cimarron County ranks 77th of 77 in Oklahoma for population. Land area is 1,835 square miles (2024 Gazetteer), so density runs near 1 per square mile. No metropolitan area includes Cimarron County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 4 Census places inside Cimarron County, Boise City leads by population with about 1,125; 2 of the 4 are incorporated. Because Cimarron County is small, the survey's margins of error are wide; treat the numbers as approximate.
How Cimarron County residents earn a living
By the Census industry count, 34% of employed Cimarron County residents work in agriculture, forestry and mining and 31% in retail trade. Agriculture, forestry and mining stands out: 34% of workers here, versus 4% statewide. ACS puts five-year average unemployment at 0.4% in Cimarron County. 2% of commuters travel 45 minutes or more each way, and 20% work from home. 3.7% of households have no vehicle.
| Industry | Share of Cimarron County workers | vs Oklahoma |
|---|---|---|
| Agriculture, forestry and mining | 33.7% | +30.1 pts |
| Retail trade | 31.3% | +19.6 pts |
| Education and health care | 6.4% | -16.9 pts |
| Construction | 6.3% | -1.1 pts |
| Finance, insurance and real estate | 5.5% | 0.0 pts |
| Transportation, warehousing and utilities | 4.9% | -1.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Household income in Cimarron County
At $62,188, the typical Cimarron County household income is 5% below the median U.S. county ($65,681). In the state ranking that is 27th of 77.
| Yearly household income | Cimarron County | Gap to Oklahoma |
|---|---|---|
| Under $35,000 | 26.0% | -0.3 pts |
| $35,000 to $99,999 | 33.1% | -10.1 pts |
| $100,000 to $199,999 | 31.0% | +7.7 pts |
| $200,000 or more | 9.9% | +2.7 pts |
About 26% of households earn under $35,000, while 41% clear $100,000. 7.4% of residents fall below the federal poverty line (statewide: 15.3%). None of these numbers decides a Cimarron County application. Lenders weigh your own documented income against your own debts.
Renting and owning in Cimarron County
Median gross rent, utilities included, comes to $718 in Cimarron County versus $1,014 statewide. Rent takes 30% or more of income for 48% of renter households here. The median owner-occupied home is valued at $98,600, about 1.6 times the median household income. The ownership rate is 78%. Half the housing stock was built before 1963.
| Cimarron County | Oklahoma | U.S. county median | |
|---|---|---|---|
| Median gross rent | $718/mo | $1,014/mo | $877/mo |
| Median home value | $98,600 | $199,800 | $185,300 |
| Owners | 78% | 66% | 75% |
| Rent-burdened renters | 48% | 46% | 45% |
| Burdened owners | 33% | 24% | n/a |
| Mobile homes | 11.6% | 8.2% | n/a |
Because most Cimarron 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.
How Cimarron County compares with nearby counties
Nearest neighbors first, measured between county centers (32 to 57 miles). 2 of the six report a higher median household income than Cimarron County; Dallam County is highest at $71,500 and Baca County lowest at $46,215. The list crosses into Colorado, Kansas, New Mexico, Texas, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Cimarron County | - | $62,188 | $718/mo | 78% |
| Dallam County, TX | 32 mi | $71,500 | $1,081/mo | 64% |
| Baca County, CO | 39 mi | $46,215 | $592/mo | 72% |
| Sherman County, TX | 47 mi | $61,250 | $835/mo | 76% |
| Morton County, KS | 49 mi | $66,447 | $632/mo | 85% |
| Union County, NM | 56 mi | $46,694 | $683/mo | 72% |
| Texas County, OK | 57 mi | $60,069 | $873/mo | 66% |
Places inside Cimarron County
4 Census places fall mainly inside Cimarron County; the 4 biggest are below. They account for 1,417 residents, leaving about 36% of the county in unincorporated, unnamed areas. Live in one of these Cimarron County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Boise City | city | 1,125 | $43,393 | $726 | 1 mi |
| Keyes | town | 175 | $113,750 | n/a | 15 mi |
| Felt | CDP | 117 | $96,042 | n/a | 20 mi |
| Kenton | CDP | 0 | n/a | n/a | 27 mi |
A Cimarron County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Cimarron County's medians:
- Median income divided by twelve: $5,182 before taxes
- 14% goes to median rent ($718)
- At 36%, room after rent is $1,148 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Cimarron County's.
Reading the Cimarron County data as a borrower
A few patterns in the Cimarron County data, and the practical point behind each:
- Health costs. With 20% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Older households. A 46.6 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Higher earners. 41% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Rent squeeze. 48% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Cimarron County households compared
33% of Cimarron County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 19.8%, against 12.9% for Oklahoma.
| People and households | Cimarron County | Oklahoma | Median county |
|---|---|---|---|
| Median age | 46.6 | 37.0 | 41.5 |
| Bachelor's or higher | 33.4% | 28.3% | 22.2% |
| No high school diploma | 13.3% | 10.6% | n/a |
| No health insurance | 19.8% | 12.9% | 7.8% |
| No vehicle | 3.7% | 5.6% | 5.4% |
| Work from home | 20.1% | 9.4% | 8.7% |
| Poverty rate | 7.4% | 15.3% | 13.2% |
| Unemployment (ACS) | 0.4% | 5.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 80.5% |
| 15 to 29 min | 15.8% |
| 30 to 44 min | 1.5% |
| 45 to 59 min | 1.1% |
| 60+ min | 1.2% |
Four steps for Cimarron County borrowers
Before you apply, wherever you live in Cimarron County:
- Get a written quote for whatever you are paying for in Cimarron County.
- Shop at least three lenders, including one Cimarron County-area credit union.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Licensing and complaints for Cimarron County
Before sharing details with a lender, a Cimarron County resident can confirm its license with the Oklahoma State Banking Department. The Oklahoma Department of Consumer Credit handles consumer-credit questions as well. Problems with a lender can also go to the CFPB. Statewide data and rules: Oklahoma guide.
Related local guides
The Oklahoma guide covers the whole state.
Frequently asked questions
How much do households in Cimarron County earn?
The median is $62,188; 41% earn $100,000 or more and 26% under $35,000. A lender uses your own documented income, not this figure.
How does Cimarron County rent compare with Oklahoma?
$718 locally versus $1,014 for the state, 29% below.
Should Cimarron County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Cimarron County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Cimarron County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Boise City, Keyes, Felt, Kenton.
Are Cimarron County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.