1st Advantage MortgageGarfield County households have a median income of $66,182 and median rent of $919 a month (ACS 2020 to 2024). 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
- Garfield County by the numbers
- Paychecks and income spread in Garfield County
- Rent, home values and ownership in Garfield County
- Work, industries and travel time in Garfield County
- The communities that make up Garfield County
- Neighboring counties at a glance
- A Garfield County household budget, worked through
- Garfield County residents: age, schooling, coverage
- Local borrowing considerations for Garfield County
- Checklist for Garfield County applicants
- Who licenses lenders for Garfield County residents
- Nearby and statewide guides
- Frequently asked questions
Garfield County by the numbers
With an estimated 62,146 residents (ACS 2020 to 2024), Garfield County ranks 12th of 77 in Oklahoma for population. It covers 1,059 square miles of land, or about 59 people per square mile. For statistical purposes it belongs to the Enid, OK metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 15 places in the county (14 incorporated, 1 census-designated); the largest is Enid, with about 50,653 residents, or 82% of the county.
Paychecks and income spread in Garfield County
Half of Garfield County households take in less than $66,182 a year and half take in more, 2% above the Oklahoma median of $65,039.
| Income band | Share in Garfield County | Difference from Oklahoma |
|---|---|---|
| Under $35,000 | 25.7% | -0.6 pts |
| $35,000 to $99,999 | 45.5% | +2.3 pts |
| $100,000 to $199,999 | 23.2% | -0.1 pts |
| $200,000 or more | 5.7% | -1.6 pts |
The spread is wide: 29% of Garfield County households make $100,000 or more, and 26% make less than $35,000. 12.5% of residents fall below the federal poverty line (statewide: 15.3%). For a borrower in Garfield 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.
Rent, home values and ownership in Garfield County
Median gross rent, utilities included, comes to $919 in Garfield County versus $1,014 statewide. 42% of renting households spend 30% or more of income on rent, and 18% spend half or more. The median owner-occupied home is valued at $160,100, about 2.4 times the median household income. 66% of Garfield County households own their home and 34% rent. Median construction year: 1970.
| Measure | Garfield County | Oklahoma | Median U.S. county |
|---|---|---|---|
| Median gross rent | $919/mo | $1,014/mo | $877/mo |
| Median home value | $160,100 | $199,800 | $185,300 |
| Owners | 66% | 66% | 75% |
| Rent-burdened renters | 42% | 46% | 45% |
| Burdened owners | 23% | 24% | n/a |
Work, industries and travel time in Garfield County
By the Census industry count, 22% of employed Garfield County residents work in education and health care and 14% in retail trade. The sharpest difference from the state is in retail trade, at 14% locally and 12% for Oklahoma. ACS puts five-year average unemployment at 4.9% in Garfield County. 8% of commuters travel 45 minutes or more each way, and 5% work from home. 4.9% of households have no vehicle.
| Sector | Garfield County | Compared with Oklahoma |
|---|---|---|
| Education and health care | 21.6% | -1.6 pts |
| Retail trade | 13.9% | +2.1 pts |
| Manufacturing | 10.3% | +1.1 pts |
| Arts, lodging and food service | 9.5% | +0.5 pts |
| Construction | 8.6% | +1.2 pts |
| Transportation, warehousing and utilities | 6.4% | +0.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Garfield County should have bank statements and tax returns ready.
The communities that make up Garfield County
15 Census places fall mainly inside Garfield County; the 14 biggest are below. They account for 55,805 residents, leaving about 10% of the county in unincorporated, unnamed areas. North Enid has the highest median household income on the list ($79,554) and Waukomis the lowest ($61,339), counting places with at least 500 residents. Rent is cheapest in Waukomis ($710) and steepest in Garber ($942). No Garfield County place has a separate guide yet; this county page serves all 15.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Enid | city | 50,653 | $62,125 | $914 | 5 mi |
| North Enid | town | 1,136 | $79,554 | $779 | 6 mi |
| Waukomis | town | 1,076 | $61,339 | $710 | 9 mi |
| Garber | city | 708 | $67,625 | $942 | 12 mi |
| Lahoma | town | 485 | $74,464 | $911 | 17 mi |
| Drummond | town | 397 | $127,321 | $900 | 15 mi |
| Covington | town | 297 | $86,964 | $880 | 12 mi |
| Kremlin | town | 267 | $79,167 | $950 | 12 mi |
| Breckenridge | town | 239 | $64,688 | $900 | 7 mi |
| Fairmont | town | 158 | $76,250 | n/a | 5 mi |
| Hunter | town | 139 | $81,500 | n/a | 15 mi |
| Hillsdale | town | 89 | $45,313 | n/a | 17 mi |
| Carrier | town | 65 | n/a | n/a | 14 mi |
| Bison | CDP | 48 | n/a | n/a | 14 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Neighboring counties at a glance
Grant County is closest, 28 miles from center to center; the sixth, Major County, is 42 miles off. Logan County leads the group on income ($83,899), Grant County trails ($60,758), and Garfield County out-earns 2 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Garfield County | - | $66,182 | $919/mo | 66% |
| Grant County, OK | 28 mi | $60,758 | $853/mo | 76% |
| Kingfisher County, OK | 31 mi | $71,975 | $891/mo | 75% |
| Noble County, OK | 31 mi | $66,365 | $826/mo | 78% |
| Logan County, OK | 37 mi | $83,899 | $891/mo | 85% |
| Alfalfa County, OK | 38 mi | $64,615 | $705/mo | 78% |
| Major County, OK | 42 mi | $71,266 | $696/mo | 82% |
A Garfield County household budget, worked through
Garfield County at the medians, through a lender's eyes (what DTI means):
- $5,515 a month: gross income for a household at the Garfield County median
- Housing at the median rent of $919 uses 17%
- At 43%, room after rent is $1,453 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Garfield County residents: age, schooling, coverage
23% of Garfield County adults 25 and older hold a bachelor's degree or more. About 12% go without health insurance.
| Indicator | Garfield County | All of Oklahoma | U.S. county median |
|---|---|---|---|
| Median age | 36.0 | 37.0 | 41.5 |
| Bachelor's or higher | 23.3% | 28.3% | 22.2% |
| No high school diploma | 11.9% | 10.6% | n/a |
| No health insurance | 12.4% | 12.9% | 7.8% |
| No vehicle | 4.9% | 5.6% | 5.4% |
| Work from home | 4.6% | 9.4% | 8.7% |
| Poverty rate | 12.5% | 15.3% | 13.2% |
| Unemployment (ACS) | 4.9% | 5.0% | 4.4% |
| Minutes to work | Garfield County workers |
|---|---|
| Under 15 min | 53.5% |
| 15 to 29 min | 33.0% |
| 30 to 44 min | 5.7% |
| 45 to 59 min | 2.8% |
| 60+ min | 4.9% |
Local borrowing considerations for Garfield County
Based on the Garfield County data above, these borrowing questions are most likely to matter locally.
- Hospital bills in Garfield County. For the 12% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Advance-fee offers. No legitimate lender asks a Garfield County borrower to pay first (scam signs).
Checklist for Garfield County applicants
Before you apply, wherever you live in Garfield County:
- Price the Garfield County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- A Oklahoma license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
Who licenses lenders for Garfield County residents
Licensing happens at the state level, so a lender working with Garfield County borrowers answers to the Oklahoma State Banking Department. Consumer lending in Oklahoma is also overseen by the Oklahoma Department of Consumer Credit. Federal complaints: consumerfinance.gov. More on Oklahoma: Oklahoma personal loans.
Nearby and statewide guides
For statewide rules and data, see the Oklahoma guide.
Frequently asked questions
How much do households in Garfield County earn?
The median is $66,182; 29% earn $100,000 or more and 26% under $35,000. A lender uses your own documented income, not this figure.
Is Garfield County expensive for renters?
Median rent is $919 against $1,014 statewide, and 42% of renter households are cost-burdened.
What are the biggest places in Garfield County?
By population: Enid, North Enid, Waukomis, Garber, Lahoma. The county has 15 Census places in all.
Does living in Garfield 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 Garfield County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Garfield County check a lender's license?
With the Oklahoma State Banking Department. If a lender is unlicensed or asks for a fee before funding, walk away.