1st Advantage MortgageIn Grady County, Oklahoma, the typical household earns $75,419 a year and the typical rent is $883. 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
- Grady County in brief
- Where Grady County differs from the rest of Oklahoma
- Jobs and commutes in Grady County
- Grady County income bands
- Housing costs in Grady County
- Cities, towns and CDPs in Grady County
- Neighboring counties at a glance
- $6,285 a month: the Grady County median budget
- Who lives in Grady County, in numbers
- What the numbers mean for Grady County borrowers
- Checking a lender's license in Oklahoma
- A Grady County borrower's checklist
- Other Oklahoma guides
- Frequently asked questions
Grady County in brief
Grady County is home to about 56,606 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 13th most populous of 77 county-level areas in Oklahoma. Grady County spans 1,101 square miles; with 56,606 people, that is 51.4 per square mile. It is one of the counties that make up the Oklahoma City, OK metropolitan statistical area (OMB, 2023). The Census Bureau counts 13 places in the county (12 incorporated, 1 census-designated); the largest is Chickasha, with about 16,539 residents, or 29% of the county.
Where Grady County differs from the rest of Oklahoma
Where Grady County lands at the extremes of Oklahoma's county rankings:
- Few Oklahoma counties match Grady County on median household income: $75,419 here, $65,039 for the state, ranking 7th highest of 77. Higher local incomes do not change lender rules; your documented income is what counts.
- On the poverty rate, Grady County sits near the bottom of Oklahoma at 12.2%, 8th lowest of 77. Even here, a fee-first loan offer is a scam.
- Few Oklahoma counties match Grady County on the share of households earning $100,000 or more: 36% here, 31% for the state, ranking 8th highest of 77. Big incomes invite big loans; borrow only what you need.
Jobs and commutes in Grady County
The biggest employer of Grady County residents, by industry, is education and health care at 22% of workers, followed by retail trade (12%). Grady County over-indexes on agriculture, forestry and mining: 7% versus 4% in Oklahoma. The survey's unemployment rate for Grady County averages 5.5% over 2020 to 2024 (state: 5.0%). 21% of commuters travel 45 minutes or more each way, and 7% work from home.
| Industry (employed residents 16+) | Grady County | Gap to Oklahoma |
|---|---|---|
| Education and health care | 21.8% | -1.5 pts |
| Retail trade | 12.1% | +0.4 pts |
| Arts, lodging and food service | 8.7% | -0.3 pts |
| Manufacturing | 8.6% | -0.6 pts |
| Construction | 8.6% | +1.2 pts |
| Professional and administrative services | 6.7% | -2.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Grady County income bands
Grady County households have a median income of $75,419 (ACS 2020 to 2024), which ranks 7th of 77 in Oklahoma.
| Band | Grady County | Compared with Oklahoma |
|---|---|---|
| Under $35,000 | 23.3% | -3.0 pts |
| $35,000 to $99,999 | 41.0% | -2.2 pts |
| $100,000 to $199,999 | 28.1% | +4.8 pts |
| $200,000 or more | 7.6% | +0.4 pts |
The spread is wide: 36% of Grady County households make $100,000 or more, and 23% make less than $35,000. The poverty rate is 12.2%, 3 points lower than the state's 15.3%. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Grady County median.
Housing costs in Grady County
$883 a month is the median gross rent in Grady County, 13% below the state. Cost-burdened renters, paying 30%-plus of income: 35% in Grady County, 46% statewide. With a median value of $205,800, a typical Grady County house costs 2.7 times what the median household earns in a year. The ownership rate is 75%. Median construction year: 1982. Nationally, Grady County's $883 rent is about level with the middle county.
| Cost | Grady County | Oklahoma figure | Higher or lower |
|---|---|---|---|
| Rent-burdened renters | 35% | 46% | -11.0 pts |
| Owners | 75% | 66% | +9.2 pts |
| Mobile homes | 12.2% | 8.2% | +4.0 pts |
| Burdened owners | 21% | 24% | -3.1 pts |
| Median gross rent | $883/mo | $1,014/mo | 13% lower |
| Median home value | $205,800 | $199,800 | 3% higher |
In an owner-heavy county like Grady County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Cities, towns and CDPs in Grady County
Places, by size: the top 13 of 13. Roughly 45% of Grady County lives outside all of them, in open country or unnamed settlements. Tuttle ($103,994) and Rush Springs ($45,125) mark the top and bottom of Grady County's income range among larger places. Median rent ranges from $493 in Minco to $1,016 in Tuttle. Chickasha and every other Grady County community use this county guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Chickasha | city | 16,539 | $54,111 | $888 | 4 mi |
| Tuttle | city | 8,040 | $103,994 | $1,016 | 22 mi |
| Minco | city | 1,607 | $61,000 | $493 | 21 mi |
| Rush Springs | town | 1,299 | $45,125 | $716 | 17 mi |
| Ninnekah | town | 966 | $68,750 | $756 | 5 mi |
| Alex | town | 529 | $69,444 | $900 | 9 mi |
| Amber | town | 445 | $55,313 | $1,100 | 10 mi |
| Verden | town | 441 | $42,500 | $729 | 12 mi |
| Bridge Creek | town | 356 | $98,750 | $1,048 | 17 mi |
| Middleberg | CDP | 218 | $101,284 | n/a | 10 mi |
| Pocasset | town | 181 | $49,167 | $725 | 12 mi |
| Norge | town | 143 | $50,625 | n/a | 6 mi |
| Bradley | town | 126 | $24,344 | n/a | 14 mi |
Neighboring counties at a glance
Six nearby counties, 25 to 39 miles away by the straight-line distance between their centers. Richest neighbor: Canadian County, $87,751. Poorest: Caddo County, $55,353. Grady County: $75,419.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Grady County | - | $75,419 | $883/mo | 75% |
| McClain County, OK | 25 mi | $84,552 | $954/mo | 79% |
| Caddo County, OK | 30 mi | $55,353 | $734/mo | 73% |
| Cleveland County, OK | 34 mi | $77,068 | $1,167/mo | 64% |
| Canadian County, OK | 36 mi | $87,751 | $1,289/mo | 75% |
| Stephens County, OK | 37 mi | $61,620 | $895/mo | 74% |
| Garvin County, OK | 39 mi | $58,556 | $825/mo | 68% |
$6,285 a month: the Grady County median budget
How much room does a median Grady County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $6,285 gross per month ($75,419 / 12)
- 14% goes to median rent ($883)
- At 36%, room after rent is $1,380 a month
Homeowners in Grady County should swap in their mortgage, taxes and insurance for rent.
Who lives in Grady County, in numbers
College graduates make up 23% of the adult population. Uninsured, Grady County: 11.8%; Oklahoma: 12.9%.
| People and households | Grady County | Compared with Oklahoma | Compared with median county |
|---|---|---|---|
| Median age | 40.0 | +3.0 yrs | -1.5 yrs |
| Bachelor's or higher | 22.8% | -5.5 pts | +0.7 pts |
| No high school diploma | 9.2% | -1.4 pts | n/a |
| No health insurance | 11.8% | -1.1 pts | +4.0 pts |
| No vehicle | 4.4% | -1.1 pts | -1.0 pts |
| Work from home | 7.5% | -1.9 pts | -1.2 pts |
| Poverty rate | 12.2% | -3.2 pts | -1.0 pts |
| Unemployment (ACS) | 5.5% | +0.5 pts | +1.1 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 32.1% |
| 15 to 29 min | 25.6% |
| 30 to 44 min | 21.5% |
| 45 to 59 min | 14.2% |
| 60+ min | 6.6% |
What the numbers mean for Grady County borrowers
A few patterns in the Grady County data, and the practical point behind each:
- 12% uninsured. In Grady County, ask for an itemized bill and a payment plan first (medical bills).
- Keeping the car running. At 21% with long commutes, repairs are a frequent Grady County emergency; first decide if the car is worth fixing.
- Mobile home upkeep. 12% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
Checking a lender's license in Oklahoma
Grady County borrowers fall under statewide rules, enforced by the Oklahoma State Banking Department. A second Oklahoma office, the Oklahoma Department of Consumer Credit, covers consumer credit. A CFPB complaint gets forwarded to the company for a response. The Oklahoma page has statewide figures to set beside Grady County's.
A Grady County borrower's checklist
Before you apply, wherever you live in Grady County:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Grady County-area credit union.
- Check the license, then the reviews, then the offer.
- Keep a small cushion so one surprise bill does not mean another loan.
Other Oklahoma guides
Next step up from Grady County:
Frequently asked questions
What does a typical Grady County household make?
About $75,419 a year at the median (ACS 2020-24), 16% above the Oklahoma median.
Can a Grady County renter afford a loan payment?
At the $883 median rent and $6,285 median monthly income, rent alone uses 14%; add other debts before a new payment.
Can Grady County owners borrow against a $205,800 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.
I live near Chickasha. Which guide is mine?
This one. Chickasha and the rest of Grady County have no separate city guide.
Will a Grady County address affect my match?
Beyond confirming Oklahoma as your state, no. Your answers about amount, credit, income and payments are all that count.