1st Advantage MortgageGarvin County households have a median income of $58,556 and median rent of $825 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Oklahoma license first.
On this page
- Garvin County at a glance
- How much Garvin County households make
- Renting and owning in Garvin County
- Jobs and commutes in Garvin County
- Garvin County next to its neighbors
- Places inside Garvin County
- Garvin County households compared
- Borrowing situations common in Garvin County
- A Garvin County household budget, worked through
- Oklahoma rules that apply in Garvin County
- A Garvin County borrower's checklist
- More guides for Garvin County
- Frequently asked questions
Garvin County at a glance
Garvin County is home to about 25,860 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 35th most populous of 77 county-level areas in Oklahoma. It covers 802 square miles of land, or about 32 people per square mile. Under the July 2023 OMB definitions, Garvin County is not part of any metropolitan area. Pauls Valley is the biggest of its 11 Census places, at roughly 6,062 people (23% of the county total).
How much Garvin County households make
Garvin County households have a median income of $58,556 (ACS 2020 to 2024), which ranks 42nd of 77 in Oklahoma.
| Household income | Garvin County | vs Oklahoma |
|---|---|---|
| Under $35,000 | 29.2% | +2.9 pts |
| $35,000 to $99,999 | 44.9% | +1.7 pts |
| $100,000 to $199,999 | 21.7% | -1.5 pts |
| $200,000 or more | 4.1% | -3.1 pts |
Some 29% of households here live on less than $35,000 a year; 26% have six-figure incomes. 17.0% of residents fall below the federal poverty line (statewide: 15.3%). A household earning below the $58,556 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Renting and owning in Garvin County
Renters in Garvin County pay a median of $825 a month, 19% below the Oklahoma figure of $1,014. Rent takes 30% or more of income for 36% of renter households here. The median owner-occupied home is valued at $147,800, about 2.5 times the median household income. The ownership rate is 68%. Median construction year: 1973.
| Garvin County | Oklahoma | U.S. county median | |
|---|---|---|---|
| Median gross rent | $825/mo | $1,014/mo | $877/mo |
| Median home value | $147,800 | $199,800 | $185,300 |
| Owners | 68% | 66% | 75% |
| Rent-burdened renters | 36% | 46% | 45% |
| Burdened owners | 23% | 24% | n/a |
Jobs and commutes in Garvin County
By the Census industry count, 22% of employed Garvin County residents work in education and health care and 12% in manufacturing. The sharpest difference from the state is in agriculture, forestry and mining, at 9% locally and 4% for Oklahoma. The survey's unemployment rate for Garvin County averages 3.4% over 2020 to 2024 (state: 5.0%). About 83% drive to work alone and 17% have trips of 45 minutes or more. Only 4.9% of homes here go without a vehicle.
| Where residents work | Garvin County | Difference from Oklahoma |
|---|---|---|
| Education and health care | 21.7% | -1.6 pts |
| Manufacturing | 11.8% | +2.7 pts |
| Retail trade | 10.6% | -1.1 pts |
| Transportation, warehousing and utilities | 10.1% | +4.0 pts |
| Agriculture, forestry and mining | 9.0% | +5.3 pts |
| Construction | 8.4% | +1.0 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Garvin County next to its neighbors
Nearest neighbors first, measured between county centers (21 to 35 miles). Income ranges from $60,723 in Carter County to $84,552 in McClain County; all six of these neighbors top Garvin County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Garvin County | - | $58,556 | $825/mo | 68% |
| Murray County, OK | 21 mi | $66,322 | $881/mo | 72% |
| McClain County, OK | 23 mi | $84,552 | $954/mo | 79% |
| Carter County, OK | 32 mi | $60,723 | $980/mo | 67% |
| Cleveland County, OK | 34 mi | $77,068 | $1,167/mo | 64% |
| Stephens County, OK | 35 mi | $61,620 | $895/mo | 74% |
| Pontotoc County, OK | 35 mi | $63,017 | $889/mo | 66% |
Places inside Garvin County
The table lists the 11 largest of 11 Census places in Garvin County, by population. Together all 11 hold about 15,814 people, so roughly 39% of residents live outside any named place. Among places of 500 or more people, median income runs from $35,694 in Elmore City to $60,931 in Maysville. Median rent ranges from $608 in Stratford to $858 in Paoli. No Garvin County place has a separate guide yet; this county page serves all 11.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Pauls Valley | city | 6,062 | $50,357 | $852 | 5 mi |
| Lindsay | city | 2,884 | $52,000 | $768 | 19 mi |
| Wynnewood | city | 1,756 | $40,156 | $808 | 10 mi |
| Maysville | town | 1,399 | $60,931 | $775 | 11 mi |
| Stratford | town | 1,331 | $41,302 | $608 | 21 mi |
| Elmore City | town | 882 | $35,694 | $791 | 7 mi |
| Paoli | town | 660 | $57,083 | $858 | 9 mi |
| Katie | town | 429 | $56,375 | $861 | 8 mi |
| Foster | town | 254 | $74,712 | $733 | 12 mi |
| Hennepin | CDP | 126 | n/a | n/a | 13 mi |
| Erin Springs | town | 31 | n/a | n/a | 18 mi |
A CDP is a named community without its own municipal government.
Garvin County households compared
Degree holders: 18% of adults over 25. 16.1% of residents have no health coverage.
| Measure | Garvin County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 38.6 | 37.0 | 41.5 |
| Bachelor's or higher | 18.3% | 28.3% | 22.2% |
| No high school diploma | 13.0% | 10.6% | n/a |
| No health insurance | 16.1% | 12.9% | 7.8% |
| No vehicle | 4.9% | 5.6% | 5.4% |
| Work from home | 6.8% | 9.4% | 8.7% |
| Poverty rate | 17.0% | 15.3% | 13.2% |
| Unemployment (ACS) | 3.4% | 5.0% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 36.9% |
| 15 to 29 min | 29.6% |
| 30 to 44 min | 16.0% |
| 45 to 59 min | 8.9% |
| 60+ min | 8.5% |
Borrowing situations common in Garvin County
A few patterns in the Garvin County data, and the practical point behind each:
- Health costs. With 16% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Consolidating cards in Garvin County. Compare the total repaid, not the monthly figure (how).
A Garvin County household budget, worked through
Garvin County at the medians, through a lender's eyes (what DTI means):
- $4,880 a month: gross income for a household at the Garvin County median
- Median rent: $825, or 17 cents of every gross dollar
- 35% debt-to-income limit: $883 left for all other debt payments
- 45% debt-to-income limit: $1,371 left for all other debt payments
If your rent is above $825, the room shrinks dollar for dollar.
Oklahoma rules that apply in Garvin County
Before sharing details with a lender, a Garvin County resident can confirm its license with the Oklahoma State Banking Department. Consumer lending in Oklahoma is also overseen by the Oklahoma Department of Consumer Credit. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Oklahoma state guide for the statewide picture.
A Garvin County borrower's checklist
Before you apply, wherever you live in Garvin County:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Oklahoma.
- Confirm the first due date before setting up autopay.
More guides for Garvin County
The Oklahoma guide covers the whole state.
Frequently asked questions
What is the median household income in Garvin County?
$58,556 a year in the 2020 to 2024 Census survey, versus $65,039 for Oklahoma. It ranks 42nd of 77 in the state.
What do renters pay in Garvin County?
$825 a month at the median, about 17% of median household income.
What are the biggest places in Garvin County?
By population: Pauls Valley, Lindsay, Wynnewood, Maysville, Stratford. The county has 11 Census places in all.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Garvin County or elsewhere in Oklahoma, the same rules apply.
Who do I complain to about a lender in Garvin County?
Start with the Oklahoma State Banking Department, then the CFPB complaint portal. Keep copies of every message.