1st Advantage MortgageMedian rent in Creek County is $936 a month against a median household income of $62,338, about 18% of income (ACS 2020-24). Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Creek County by the numbers
- How much Creek County households make
- Creek County against other Oklahoma counties
- Labor force snapshot: Creek County
- Creek County housing compared with Oklahoma
- Census places in Creek County
- The counties around Creek County
- More Creek County figures
- Debt-to-income, Creek County edition
- What the numbers mean for Creek County borrowers
- Lender oversight for Creek County
- Checklist for Creek County applicants
- Other Oklahoma guides
- Frequently asked questions
Creek County by the numbers
The latest five-year Census estimate puts Creek County's population at 72,830; only 9 of Oklahoma's 77 county-level areas are larger. Packed into 950 square miles, that is close to 77 residents for every square mile of land. Metro area: Tulsa, OK (OMB, 2023). Bristow is the biggest of its 12 Census places, at roughly 4,272 people (6% of the county total).
How much Creek County households make
Median household income in Creek County: $62,338 (4% below Oklahoma, $65,039). That places it 25th among Oklahoma's 77 county-level areas.
| Band | Creek County | Compared with Oklahoma |
|---|---|---|
| Under $35,000 | 28.4% | +2.1 pts |
| $35,000 to $99,999 | 41.6% | -1.7 pts |
| $100,000 to $199,999 | 24.5% | +1.2 pts |
| $200,000 or more | 5.6% | -1.7 pts |
About 28% of households earn under $35,000, while 30% clear $100,000. The poverty rate is 14.5%, 1 point lower than the state's 15.3%. The Gini index of income inequality is 0.448 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Creek County against other Oklahoma counties
Ranked against the other 76 county-level areas in Oklahoma, these are the Creek County figures furthest from the middle.
- On the ACS unemployment rate, Creek County sits near the bottom of Oklahoma at 3.3%, 10th lowest of 77. Low unemployment does not lower your rate; your credit does.
- Creek County ranks 10th highest of 77 Oklahoma counties for population: 72,830, against 4,028,634 statewide. A big county has more local lenders, so shopping around is easier.
- Few Oklahoma counties match Creek County on the housing vacancy rate: 11% here, 12% for the state, ranking 10th lowest of 77. Low vacancy tends to push rents up over time.
- Few Oklahoma counties match Creek County on median gross rent: $936/mo here, $1,014/mo for the state, ranking 12th highest of 77. High rent is the first thing a lender's ratio will see.
Labor force snapshot: Creek County
Education and health care (21%), manufacturing (14%) and retail trade (11%) lead Creek County's job mix. The sharpest difference from the state is in manufacturing, at 14% locally and 9% for Oklahoma. Unemployment in Creek County, ACS five-year: 3.3%; Oklahoma: 5.0%. Commutes of 45 minutes-plus: 12%; under 15 minutes: 23%. Only 4.9% of homes here go without a vehicle.
| Top industries | Creek County share | +/- vs Oklahoma |
|---|---|---|
| Education and health care | 21.5% | -1.8 pts |
| Manufacturing | 13.6% | +4.4 pts |
| Retail trade | 11.3% | -0.4 pts |
| Construction | 9.2% | +1.9 pts |
| Professional and administrative services | 9.1% | -0.2 pts |
| Transportation, warehousing and utilities | 7.8% | +1.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Creek County housing compared with Oklahoma
Half of Creek County renters pay more than $936 a month and half pay less; the Oklahoma midpoint is $1,014. Cost-burdened renters, paying 30%-plus of income: 41% in Creek County, 46% statewide. With a median value of $182,100, a typical Creek County house costs 2.9 times what the median household earns in a year. The ownership rate is 74%. Nationally, Creek County's $936 rent is 7% above the middle county.
| Cost | Creek County | Oklahoma figure | Higher or lower |
|---|---|---|---|
| Mobile homes | 18.3% | 8.2% | +10.1 pts |
| Owners | 74% | 66% | +8.6 pts |
| Rent-burdened renters | 41% | 46% | -5.4 pts |
| Burdened owners | 26% | 24% | +1.5 pts |
| Median home value | $182,100 | $199,800 | 9% lower |
| Median gross rent | $936/mo | $1,014/mo | 8% lower |
At a $182,100 median value, many Creek County owners hold equity. Using it lowers cost only if you can carry the risk (equity vs. unsecured).
Census places in Creek County
The table lists the 12 largest of 12 Census places in Creek County, by population. Together all 12 hold about 15,406 people, so roughly 79% of residents live outside any named place. Kiefer has the highest median household income on the list ($83,317) and Oilton the lowest ($30,982), counting places with at least 500 residents. This guide covers each of the 12 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Bristow | city | 4,272 | $38,906 | $623 | 5 mi |
| Mannford | town | 3,269 | $60,521 | $854 | 16 mi |
| Kiefer | town | 2,639 | $83,317 | $1,170 | 18 mi |
| Drumright | city | 2,361 | $45,580 | $472 | 13 mi |
| Kellyville | town | 1,047 | $53,393 | $847 | 11 mi |
| Oilton | city | 921 | $30,982 | $600 | 17 mi |
| Depew | town | 391 | $37,250 | $1,010 | 10 mi |
| Slick | town | 142 | $19,574 | n/a | 11 mi |
| Lawrence Creek | town | 134 | $43,750 | $513 | 12 mi |
| Shamrock | town | 94 | $27,750 | n/a | 11 mi |
| Olive | CDP | 78 | n/a | n/a | 10 mi |
| Milfay | CDP | 58 | n/a | n/a | 15 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Creek County
Distances run center to center, from Tulsa County at 29 miles out to Payne County at 35. Tulsa County leads the group on income ($69,009), Okfuskee County trails ($48,363), and Creek County out-earns 5 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Creek County | - | $62,338 | $936/mo | 74% |
| Tulsa County, OK | 29 mi | $69,009 | $1,110/mo | 60% |
| Okmulgee County, OK | 30 mi | $54,029 | $834/mo | 70% |
| Okfuskee County, OK | 31 mi | $48,363 | $716/mo | 69% |
| Lincoln County, OK | 31 mi | $62,216 | $794/mo | 80% |
| Pawnee County, OK | 33 mi | $58,738 | $864/mo | 80% |
| Payne County, OK | 35 mi | $49,809 | $917/mo | 51% |
More Creek County figures
Bachelor's degree or higher: 19% of Creek County adults. 11.1% of residents have no health coverage.
| People and households | Creek County | Compared with Oklahoma | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 18.7% | -9.6 pts | -3.4 pts |
| Median age | 40.4 | +3.4 yrs | -1.1 yrs |
| No health insurance | 11.1% | -1.8 pts | +3.2 pts |
| Unemployment (ACS) | 3.3% | -1.7 pts | -1.2 pts |
| No high school diploma | 9.1% | -1.5 pts | n/a |
| Poverty rate | 14.5% | -0.8 pts | +1.3 pts |
| Work from home | 10.1% | +0.7 pts | +1.4 pts |
| No vehicle | 4.9% | -0.6 pts | -0.5 pts |
| Minutes to work | Creek County workers |
|---|---|
| Under 15 min | 23.1% |
| 15 to 29 min | 34.4% |
| 30 to 44 min | 30.1% |
| 45 to 59 min | 8.2% |
| 60+ min | 4.1% |
Debt-to-income, Creek County edition
Here is the Creek County median household run through a simple DTI check. Your numbers will differ.
- Median income divided by twelve: $5,195 before taxes
- Median rent: $936, or 18 cents of every gross dollar
- 36% debt-to-income limit: $934 left for all other debt payments
These are gross figures; take-home pay in Creek County will be lower after taxes and deductions.
What the numbers mean for Creek County borrowers
A few patterns in the Creek County data, and the practical point behind each:
- Uninsured care. 11% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Manufactured housing (18%). Creek County owners should get two written repair quotes before borrowing.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Lender oversight for Creek County
No county office licenses personal lenders. For Creek County, check the Oklahoma State Banking Department. Consumer lending in Oklahoma is also overseen by the Oklahoma Department of Consumer Credit. Nationally, Creek County residents can file with the CFPB. Statewide data and rules: Oklahoma guide.
Checklist for Creek County applicants
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Other Oklahoma guides
Next step up from Creek County:
Frequently asked questions
Is Creek County a high-income county?
Its $62,338 median ranks 25th of 77 Oklahoma counties and compares with $65,681 for the median U.S. county.
What is the median rent in Creek County, OK?
$936 a month, utilities included, or $11,232 a year.
Can Creek County owners borrow against a $182,100 home?
Many can, through a home equity loan or line. It is secured by the house, so compare it with an unsecured personal loan before choosing.
Is Milfay covered?
Yes. Milfay is one of 12 Census places in Creek County, and this guide covers all of them.
Does living in Creek 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 Creek County resident as anyone. Lenders decide under fair-lending law.