1st Advantage MortgageAbout 78% of Greer County homes are owner-occupied, and the median household income is $59,406. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Greer County at a glance
- Labor force snapshot: Greer County
- Greer County at the extremes
- Rent, home values and ownership in Greer County
- Paychecks and income spread in Greer County
- Neighboring counties at a glance
- Cities, towns and CDPs in Greer County
- People and households in Greer County
- Reading the Greer County data as a borrower
- Debt-to-income at Greer County's medians
- Steps before you apply in Greer County
- Verifying a lender from Greer County
- More guides for Greer County
- Frequently asked questions
Greer County at a glance
Roughly 5,489 residents live in Greer County, Oklahoma, 66th by population among the state's 77 counties and county equivalents. It covers 639 square miles of land, or about 9 people per square mile. Under the July 2023 OMB definitions, Greer County is not part of any metropolitan area. Of the 3 Census places inside Greer County, Mangum leads by population with about 2,755; 3 of the 3 are incorporated. Because Greer County is small, the survey's margins of error are wide; treat the numbers as approximate.
Labor force snapshot: Greer County
Education and health care employs 27% of working residents, the largest share; public administration is next with 14%. Relative to Oklahoma (6%), public administration is 7 points bigger in Greer County (14%). Unemployment in Greer County, ACS five-year: 7.3%; Oklahoma: 5.0%. 3% of commuters travel 45 minutes or more each way, and 7% work from home. 100 Greer County households, 5.1%, have no vehicle.
| Industry | Share of Greer County workers | vs Oklahoma |
|---|---|---|
| Education and health care | 27.1% | +3.8 pts |
| Public administration | 13.6% | +7.4 pts |
| Agriculture, forestry and mining | 10.7% | +7.0 pts |
| Retail trade | 8.3% | -3.4 pts |
| Arts, lodging and food service | 7.2% | -1.8 pts |
| Manufacturing | 7.2% | -2.0 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Greer County at the extremes
Out of every Oklahoma county, Greer County is most unusual on these measures.
- The share of commutes over 45 minutes: 3% in Greer County. Only 1 of 77 Oklahoma counties are lower. Less driving means fewer surprise repair bills.
- Greer County ranks 2nd lowest of 77 Oklahoma counties for the uninsured rate: 7.4%, against 12.9% statewide. Even insured households face deductibles; ask the provider about a payment plan.
- Few Oklahoma counties match Greer County on the share of adults with a bachelor's degree: 14% here, 28% for the state, ranking 5th lowest of 77. Lenders weigh income and credit, not schooling.
Rent, home values and ownership in Greer County
A typical Greer County rental runs $681 a month including utilities, which is 33% below Oklahoma. 48% of renting households spend 30% or more of income on rent, and 19% spend half or more. Greer County homes are worth $109,100 at the median, a 1.8-to-1 ratio to income. Homeowners 78%, renters 22%. Half the housing stock was built before 1964. Against the median U.S. county, Greer County rent is 22% below.
| Measure | Greer County | Oklahoma | Gap |
|---|---|---|---|
| Median gross rent | $681/mo | $1,014/mo | 33% lower |
| Median home value | $109,100 | $199,800 | 45% lower |
| Owners | 78% | 66% | +12.2 pts |
| Rent-burdened renters | 48% | 46% | +1.9 pts |
| Burdened owners | 29% | 24% | +4.6 pts |
| Mobile homes | 6.8% | 8.2% | -1.5 pts |
In an owner-heavy county like Greer 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.
Paychecks and income spread in Greer County
At $59,406, the typical Greer County household income is 10% below the median U.S. county ($65,681). That places it 40th among Oklahoma's 77 county-level areas.
| Yearly household income | Greer County | Gap to Oklahoma |
|---|---|---|
| Under $35,000 | 35.1% | +8.8 pts |
| $35,000 to $99,999 | 42.9% | -0.4 pts |
| $100,000 to $199,999 | 18.7% | -4.5 pts |
| $200,000 or more | 3.3% | -3.9 pts |
Six-figure households (22%) are outnumbered by those under $35,000 (35%) in Greer County. 16.9% of residents fall below the federal poverty line (statewide: 15.3%). For a borrower in Greer 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.
Neighboring counties at a glance
Nearest neighbors first, measured between county centers (21 to 41 miles). Income ranges from $43,333 in Harmon County to $63,501 in Washita County; 3 of these neighbors top Greer County's median. Some neighbors are in Texas. Lender licensing is state by state, so a loan for a Greer County resident follows Oklahoma rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Greer County | - | $59,406 | $681/mo | 78% |
| Harmon County, OK | 21 mi | $43,333 | $694/mo | 70% |
| Beckham County, OK | 25 mi | $53,328 | $904/mo | 68% |
| Jackson County, OK | 25 mi | $62,799 | $842/mo | 59% |
| Kiowa County, OK | 32 mi | $44,962 | $780/mo | 70% |
| Washita County, OK | 40 mi | $63,501 | $815/mo | 76% |
| Collingsworth County, TX | 41 mi | $61,280 | $714/mo | 74% |
Cities, towns and CDPs in Greer County
Places, by size: the top 3 of 3. Roughly 17% of Greer County lives outside all of them, in open country or unnamed settlements. None of the 3 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Mangum | city | 2,755 | $49,470 | $651 | 5 mi |
| Granite | town | 1,650 | $60,000 | $683 | 11 mi |
| Willow | town | 140 | $58,646 | n/a | 8 mi |
People and households in Greer County
In Greer County, 14% of adults have at least a four-year degree (28% in Oklahoma). The uninsured rate is 7.4%, against 12.9% for Oklahoma.
| People and households | Greer County | Compared with Oklahoma | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 14.0% | -14.3 pts | -8.1 pts |
| No high school diploma | 19.9% | +9.4 pts | n/a |
| No health insurance | 7.4% | -5.4 pts | -0.4 pts |
| Median age | 42.0 | +5.0 yrs | +0.5 yrs |
| Work from home | 6.8% | -2.6 pts | -1.9 pts |
| Unemployment (ACS) | 7.3% | +2.3 pts | +2.8 pts |
| Poverty rate | 16.9% | +1.6 pts | +3.7 pts |
| No vehicle | 5.1% | -0.5 pts | -0.3 pts |
| Commute length | Greer County |
|---|---|
| Under 15 min | 53.5% |
| 15 to 29 min | 27.4% |
| 30 to 44 min | 15.9% |
| 45 to 59 min | 1.2% |
| 60+ min | 2.0% |
Reading the Greer County data as a borrower
A few patterns in the Greer County data, and the practical point behind each:
- Rent at $681. With 48% burdened, a short term and small amount keep risk down.
- Check your file. An error fixed before you apply can change the offers a Greer County borrower sees (free reports).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
Debt-to-income at Greer County's medians
Greer County's $59,406 median income, run through a debt-to-income check:
- Median income divided by twelve: $4,950 before taxes
- Rent at the median, $681, takes 14% of that
- $1,101: what a 36% ratio leaves once rent is paid
- 43% debt-to-income limit: $1,448 left for all other debt payments
If your rent is above $681, the room shrinks dollar for dollar.
Steps before you apply in Greer County
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Greer County-area credit union.
- Confirm the lender is licensed in Oklahoma.
- Lock paid-off cards after consolidating so balances stay at zero.
Verifying a lender from Greer County
Licensing happens at the state level, so a lender working with Greer County borrowers answers to the Oklahoma State Banking Department. A second Oklahoma office, the Oklahoma Department of Consumer Credit, covers consumer credit. Problems with a lender can also go to the CFPB. State-level detail for Greer County borrowers is in the Oklahoma guide.
More guides for Greer County
The Oklahoma guide covers the whole state.
Frequently asked questions
Is Greer County a high-income county?
Its $59,406 median ranks 40th of 77 Oklahoma counties and compares with $65,681 for the median U.S. county.
Can a Greer County renter afford a loan payment?
At the $681 median rent and $4,950 median monthly income, rent alone uses 14%; add other debts before a new payment.
Does this page cover Mangum?
Yes, along with the other 2 Census places in Greer County, such as Granite, Willow.
Does living in Greer 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 Greer County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Greer County residents?
The Oklahoma State Banking Department licenses consumer lenders in Oklahoma; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.